vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My auto loan on my credit doesn't update each month even after sending payments on time which is influencing my credit score. 
I disputed my Account status for XXXX XXXX twice with Equifax and even after two months, my credit report doesnot reflect monthly payments. My account status is current and I made XXXX and XXXX payments but my credit report states no data available for that time period. 
I have tried to message XXXX XXXX again and again requesting them to reflect my each month 's payment on credit report but they do not care and equifax print same dispute results for me without reflecting any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: MA

Complaint narrative:
I canceled one transaction and still remove the money from my account and another transaction still not processed yet and I need refund {$240.00} and {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to express my concern regarding the security of my personal information. There have been repeated instances of information appearing on my report that do not belong to me. I have identified specific instances of misreported information that require a thorough investigation, information that has been mistakenly linked with my report, but it pertains to an account belonging to someone else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I've been dealing with these collectors for some years now and they keep telling me I owed that and I told them that I don't know nothing about this debt but they still persistent calling me and and rude

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing in response to your request regarding my complaint against XXXX XXXX XXXX. Below is a summary of the actions I have taken and the ongoing issues with XXXX XXXXXXXX XXXX handling of my personal information and credit reporting. 

Timeline of Events and Actions Taken : Debt Validation Letter ( XX/XX/XXXX ) : On XX/XX/XXXX, I sent XXXX XXXX XXXX a Debt Validation letter requesting validation of the alleged debt they are attempting to collect. This is my right under the Fair Debt Collection Practices Act ( FDCPA ). The letter explicitly requested that XXXX XXXX XXXX provide verification of the debt, including the original creditor, the amount, and other relevant details. 
No response was received from XXXX XXXX XXXX within the required XXXX period. This lack of response is a violation of my rights under the FDCPA, which mandates that they must provide this validation before continuing any collection activities. 
Cease and Desist Letter ( XX/XX/XXXX ) : On XX/XX/XXXX, I sent a Cease and Desist letter to XXXX XXXX XXXX, demanding that they immediately stop accessing or reporting my personal information to credit bureaus without my consent. 
This letter also reiterated my rights under 15 U.S.C. 1681b ( Fair Credit Reporting Act ), which requires consumer consent before any third party can access or report my credit information. I have not given XXXX XXXX XXXX permission to obtain or report my personal or credit information. 
Despite this request, no response has been received from XXXX XXXX XXXX, and they continue to report inaccurate and unauthorized information on my credit report. 

Key Issues : Unauthorized Access and Reporting : XXXX XXXX XXXX has been reporting on my credit report without my consent. Under 15 U.S.C. 1681b, they are not permitted to obtain my personal information or report it to credit bureaus without my explicit permission. Their actions are not only a violation of my privacy rights but may also constitute identity theft. 
Failure to Respond : Both my Debt Validation letter and my Cease and Desist letter were sent in good faith, requesting that XXXX XXXX XXXX provide the necessary documentation and cease their unauthorized actions. However, as of today, they have failed to respond to either request, which further compounds the violation of my rights. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint and confirmation that XXXX XXXX XXXX is taking the appropriate corrective actions. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XXXX  my Venmo account and my Teens Venmo account were simultaneously suspended after we were having trouble signing into the app. I had {$30.00} of XXXX that I was selling, which they are now holding the funds for selling. More importantly, my teen also had {$60.00} of funds in the balance, which are now completely locked and unable to withdraw. Venmo is refusing to release all of the funds and is completely locking them. Nobody in our family has any interest in Venmo or anything of the sorts now and plans switching to a similar app that is more like a traditional bank, so we do not care about the accounts being unsuspended for whatever we supposedly did, but locking our funds is unjust. We want to pursue legal action if it is not handled quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are multiple inquiries reporting on my TransUnion XXXX XXXX credit report which i never authorized or applied for myself. i have contacted each bureau and informed them that these inquiries are a result of identity theft and have yet to hear back from either bureau and said inquiries are still being reported on my credit report.

As per 15 U.S. Code 1681c2 of the fair credit reporting act : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

i am requesting the immediate removal of said inquiries from my TransUnion XXXX XXXX Credit report in accordance with 15 U.S. Code 1681c2 of the fair credit reporting act TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these inquiries stated above were not authorized by me and as such are a result of identity theft, they are still being reported on my credit reports as of XXXX & are negatively affecting me in. 

I demand these Inquiries be removed from my report immediately in accordance with 15 U.S. Code 1681c2 or i will be forced to proceed litigation against the bureaus with which they are being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and XXXX XXXX. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against XXXX XXXX regarding their continued inaccurate reporting of a debt on my Experian credit report. This reporting violates the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my XXXX XXXX and financial reputation. 

Key Issues : Incorrect Reporting of Sold Debt : Capital XXXX is reporting a balance of {$470.00} on my Experian credit report, even though this debt was sold to XXXX XXXX XXXX. 
Under the FCRA, once an account is sold, the original creditor is required to update the balance to {$0.00} and note that the debt was transferred or sold. XXXX XXXX has failed to update this information properly. 
Impact on My Credit Report and Score : The continued reporting of this balance by Capital XXXX creates confusion and misrepresents my financial obligations, resulting in a negative impact on my XXXX XXXX. 
This inaccurate reporting has adversely affected my ability to secure financial opportunities. 
Failure to Address the Issue : Despite previous disputes and attempts to resolve this matter directly with XXXX XXXX, they have not corrected their reporting. 
XXXX Requested : I request the following actions : Immediate Update of the Account : XXXX XXXX must update the account on my Experian credit report to reflect a {$0.00} balance and clearly indicate that the debt was sold to XXXX XXXX XXXX. 
Removal of Inaccurate Reporting : If XXXX XXXX can not validate the current reporting, I request that the account be removed entirely from my Experian credit report. 
Compliance with the FCRA : XXXX XXXX must ensure their reporting practices comply with the FCRA to avoid future inaccuracies. 
Supporting Documents Enclosed : A copy of my Experian credit report showing the incorrect reporting by XXXX XXXX. 
Correspondence with XXXX XXXX regarding this dispute. 
Impact and Final Request : The continued inaccurate reporting by XXXX XXXX on my Experian credit report has caused significant financial harm and undue stress. I kindly request the CFPBs assistance in ensuring XXXX XXXX updates this account appropriately and in compliance with federal regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and am requesting that all accounts associated with this breach be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts should be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were compromised as part of the data breach, and I kindly request their immediate removal from my credit file. Please confirm in writing once the accounts have been deleted and provide me with an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and am requesting that all accounts associated with this breach be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts should be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were compromised as part of the data breach, and I kindly request their immediate removal from my credit file. Please confirm in writing once the accounts have been deleted and provide me with an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
My auto loan on my credit doesn't update each month even after sending payments on time which is influencing my XXXX XXXX. 
I disputed my Account status for Chrysler Capital twice with XXXX and even after XXXX months, my credit report doesnot reflect monthly payments. My account status is current and I made XXXX and XXXX payments but my credit report states no data available for that time period. 
I have tried to message Chrysler capital again and again requesting them to reflect my each month 's payment on credit report but they do not care and XXXX print same dispute results for me without reflecting any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
Exeter Finance has reported with all 3 credit agencies that the balance is Charged off as as reported a s Profit and Loss with the IRS XXXX XXXX. However I have not received my XXXX to report as income. This account is reporting inaccurately as it should not be reported at all. I am requesting the XXXX filed and this account removed from my report across all 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This company is inflicting hardship upon my credit file considering the fact that this account was written off. Therefore I requested a XXXX form for income from the collection agency but to no avail. So I sent cease and desist letters out but still, phone calls remain the same. Breaking the 15. U.S. CODE 1692 of being steadily harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally file a complaint against Experian and XXXX for false reporting on my credit report, which has significantly damaged my XXXX XXXX and adversely affected my livelihood. 

Background Information My name is XXXX XXXX, and my Experian credit report reflects inaccuracies that have unjustly reduced my XXXX XXXX to XXXX, along with XXXX reporting my XXXX XXXX to be XXXX, placing it in the Poor category. This false reporting stems from issues including : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX which is the same account : Marked as potentially negative without accurate updates or justification. 

Case Number XXXX involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was closed as of XXXX XXXX XXXX, following a voluntary dismissal. There should be no remaining balance or negative impact associated with this account. ( Reference : XXXX XXXX XXXX. 

These errors have resulted in significant financial and personal distress, including : Denial of credit opportunities. 

Inability to secure better financial terms or loans. 

Detrimental effects on my ability to maintain and improve my livelihood. 

Impact on My Livelihood As a result of these inaccuracies, my livelihood has been severely affected. The wrongful classification of my creditworthiness has : XXXX my ability to secure essential resources and services. 

Created undue stress and financial hardship. 

Requested Resolution I request that the Consumer Financial Protection Bureau investigate Experians and XXXX 's false reporting practices and require the following : Immediate correction of all inaccurate information on my credit report. 

Removal of any negative entries linked to resolved or dismissed cases, including those from XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX 

Compensation for the financial and emotional damages caused by these reporting errors. 

I have attached supporting documentation, including court records and current credit report summaries, to substantiate my claims. ( References : Case Documents, Experian Credit Report Summary, XXXX Credit Report Summary ). 

Contact Information XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. I trust that you will address this issue promptly and fairly. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm disputing this account on my Experian report because I believe there is an error. According to the XXXX XXXX XXXX ' guidelines. I am entitled to have in correct or outdated information corrected. I have been trying to resolve this matter, but it is causing unnecessary stress on my financial well-being. I've already contacted the XXXX collection agency to no avail, and I would like to request that Experian XXXX this issue under the provisions of the Fair Credit Reporting Act ( FCRA ) to ensure my credit report is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my serious concern regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
On XX/XX/year>. Bridge crest wrote off {$3100.00} on their taxes as a profit loss. Bridge Crest was supposed to provide me with the 1099-C form so I can write it off as income, which they never did send me the form. At the same time, Bridge Crest is reporting the amount of {$3100.00} on my credit report as a balance, even though they took a tax break. So, im requesting a copy of the 1099-C that I never received from Bridge Crest . Everything is about accuracy. So, if Bridge Crest fails to send me a copy of the 1099-C form while still reporting the account as a CHARGE OFF on my credit report. That, to me, is incorrect. Under FCRA, by law, I'm entitled to sue Bridge Crest for SANCTUARY DAMAGES. This is FRAUD that Bridge Crest is doing. In the same way, Bridge Crest has the ability to report that account to my credit report. i have the right to report Bridge Crest to the IRS for fraudulent activity. I LIKE THIS ACCOUNT TO BE REMOVE OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation