vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: IL

Complaint narrative:
Hello, I have recently discovered that I have been the victim of Identity theft in which such person [ s ] used my credit multiple times over the years. It wasnt very much money at first, thats probably why it was never noticed, but here recently I been trying to purchase a home so I started looking at my credit report more closely. 

In XX/XX/XXXX I discovered that the following Accounts have been opened Fraudulently : XXXX. XXXX {$3700.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$210.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX Main {$7400.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX {$5700.00} Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$680.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX Bank {$4200.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$2400.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX Resolutions XXXX {$3600.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX {$00.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX {$1200.00} Acct # XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX {$9600.00} Acct # XXXX Opened XX/XX/XXXX These are all the accounts from Experian that have cross referenced with the Federal Identity Theft 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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.

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 2024-02-15 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: TX

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
on XX/XX/XXXX, i wrote to Wells Fargo/XXXX in reference to their reporting on my credit report and put them on notice about them continuing to report activity on a closed/charged off account which is CONTINOUSLY causing damage to my credit. This per said account charged off for loss in XX/XX/year>. From the IRS website it states that whenever a account is charged to profit or loss/closed reporting must CEASE from that date and no more than 90 days you must report the date of first delinquency that led to the default and that date is to be considered the commencement date of default. This account states CHARGED OFF AS BAD DEBT and has still reported CO which credit bureaus refer as CHARGED OFF. An account can only charge off XXXX time. The reporting of CO after the closed date shows inaccuracies and should be removed IMMEDIATELY for not complying with Section 623 15 USC 1681a as this has caused me to not get qualified for a home mortgage. Also when an item is wrtten off for loss, the company notified the IRS that the debt was considered a loss, but to date I have yet to receive a 1099c form to be able to notify the IRS that the debt was written off and I can report it for income. The company has failed to meet he obligations of the IRS and has me feeling as if Im committing tax fraud right along with Wells Fargo/XXXX XXXX Please help me resolve this matter as I have put them on NOTICE 2 times before and now I will be seeking STATUTORY and PUNITIVE damages for their negligence

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

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 2024-02-15 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: TX

Complaint narrative:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

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 2024-02-15 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 have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-02-15 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 strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-02-15 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: TX

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

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 2024-02-15 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was trying to buy a property I Noticed Unauthorized inquiries on my credit report that i would liked removed immediately.

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 2024-02-15 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: U.S. BANCORP
State: TX

Complaint narrative:
I was trying to buy a property I Noticed Unauthorized inquiries on my credit report that i would liked removed immediately.

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 2024-02-15 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This account does not align with my recollection of any account agreements from the past or present. I requested that LVNV FUNDING LLC provide me with a copy of the original contract bearing my wet signature, as well as a detailed breakdown of the charges and fees accrued. Invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt, LVNV FUNDING LLC failed to provide any relevant documentation, including the original contract with my signature, proof of ownership of the debt, and verification of the amount owed. Until this matter is resolved and sufficient evidence is provided, I am exercising my right to dispute the validity of the debt and request that all collection activities cease immediately. Any further communication from LVNV FUNDING LLC regarding this matter should be in writing. I expect a prompt and expedited response to this dispute. Furthermore, shall LVNV FUNDING LLC willingly continue to break the law and falsely render an illegal account agreement reporting to my SSN will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransunionXXXX credit report shows tradeline XXXX XXXX XXXX XXXX, # XXXX and # XXXX late payment date XX/XX/XXXX. The report also show 's 60/90 days delinquent in XXXX, with payments being made i XXXX of XXXX it shows Terms {$0.00} for 72 months. These loan were included in a XXXX in XXXX. The Bankruptcy Code provides XXXX exceptions relating to educational obligations, These Loans met the criteria for dischargeable. They were included in the Discharge of XX/XX/XXXX. 



Transunion/ XXXX tradeline shows contradictions in dates of delinquency ( last payment ) XXXX XXXX or XXXX XX/XX/XXXX. XXXX does not show inclusion of XXXX  XXXX claim status. 

The Bankruptcy Code provides continuing protection from creditors in the form of a discharge injunction. The discharge injunction is authorized by section 524 ( a ) ( 2 ) of the Bankruptcy Code. It provides that a bankruptcy discharge operates as an injunction against an act, to collect, recover or offset any such debt as a personal liability of the debtor, whether or not discharge of such debt is waived. 11 USC 524.The discharge injunction is permanent, survives the bankruptcy case and is always applicable with respect to every debt that was discharged. This injunction is to give complete effect to the discharge and acts to eliminate any doubt concerning the effect of the discharge as a total prohibition on debt collection efforts. This protection is so broad that even creditors who are not noticed in the bankruptcy proceeding, whether inadvertently or otherwise, will also be unable to escape liability ( subject to very limited instances The injunction provides ample and permanent protection against virtually all collection activity. Some common examples include : 1. The sale of a discharged debt to a collection agency. 
2. Phone calls, collection letters and public announcements of default. 
3. Refusing to modify a loan unless the debtor reaffirms the mortgage loan. 
4. Moving to perfect a lien, such as a mortgage, over discharged debt. 
Bankruptcy courts frown upon improper collection activity and use their broad contempt powers under 11 U.S.C. 105 of the Bankruptcy Code to award actual damages, attorneys fees and costs, damages for emotional distress, and, in extreme cases, punitive damages. The same action in attempting to collect a discharged debt may also violate the Fair Debt Collection Practices Act and other state and federal consumer protection laws. In addition, Sections 524 and 362 of the Bankruptcy Code also provide causes of action to aggrieved debtors.

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 2024-02-15 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a credit monitoring service that told me I had a hard inquiry for a credit card application from Chase bank on XX/XX/XXXX. I immediately notified Chase to tell them that it was a fraud application and they moved it to the fraud department. At that time I asked they please remove the hard inquiry that was not mine and requested a letter at that time as well so I could dispute the hard inquiry with XXXX. I called back in XXXX of XXXX stating I had not received the letter and I still had the hard inquiry on my credit report costing me XXXX points, they told me it could take up to 60 days to remove. I called back in XX/XX/XXXX and stated I had not received either letters and asked them to resend a copy. I never received that letter and my credit report had not been corrected so I called again in XX/XX/XXXX because it had easily been 90 days with no results. I have been a customer with Chase Bank for over 30 years so I do not know how they could not get the letter to me even though I get a credit card statement from them every month. I then contacted XXXX and filed a complaint because XXXX would not let me dispute the inquiry with no proof from Chase. Within a couple days of the XXXX  report I received a call from Chase " Executive office '' he said he would look into the matter. Today I received a call back and he did verify it was fraud and now tells me It is MY responsibility to get their erroneous reporting off my credit report. The " Executive '' Office said they were unable to change the incorrect information, that I would have to write a letter. I was told the letter would take another 7 days. This has been going on since XXXX of XXXX with no results and I have spent at least 10 hours on the phone with them. When my credit was stolen Chase reported the Inquiry in 1 day, yet unable to remove it 100+ days even though they agree and it sits in their fraud department. I hope I can get this negative hit to my credit off before the 2 year reporting is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I mailed EXPERIAN a letter stating that per the consumer law 15 U.S.C 1681i ( 7 ) Method of verification they were required to send me the documentation of how they validated/ verified the alleged date, the name of the person who verified the debt and other required information and they failed to provide me with that information. They are now in violation of my consumer rights.

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 2024-02-15 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 never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AL

Complaint narrative:
Amount owed ; {$1000.00}. I am not liable for this debt with XXXX. I do not have a contract with Jefferson Capital System. They have not provided me with the original contract, as I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello, I am XXXX. I have gone to XXXX XXXX XXXX XXXX ( XXXX ) for purchasing a car on finance. The said the will check for the auto loan in XXXX XXXX XXXX. Then the send queries to multiple lenders without informing me. Now it's showing 9 hard queries. 6 of them on the same date. This drastically reduced my credit score to on average 35-40 points in the credit buraus. I reached out to XXXX about this. They suggested me to contact here for complaint. It would be very helpful for me if these hard inquiries could be removed from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Hello, I am XXXX. I have gone to XXXX XXXX XXXX XXXX ( XXXX ) for purchasing a car on finance. The said the will check for the auto loan in XXXX XXXX XXXX. Then the send queries to multiple lenders without informing me. Now it's showing 9 hard queries. 6 of them on the same date. This drastically reduced my credit score to on average XXXX points in the credit buraus. I reached out to XXXX about this. They suggested me to contact here for complaint. It would be very helpful for me if these hard inquiries could be removed from the 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 2024-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
Hello I noticed this problem on my credit report in XXXX XXXX. Please remove it from my report as soon as possible. Iam a victim of identity theft and these accounts are not mine. 

XXXX XXXX XXXX XXXX XX/XX/year> {$3300.00} XXXX  XXXX XXXX XXXX {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Somebody stole my car and my wallet was in there with all my personal information. I need the following accounts deleted from my report. I am a victim of identity theft. I have listed the report of accounts in a report from the federal trade commission. My affidavit is included as well. Please help me get these accounts off my file. It is tarnishing my name as well as all of the legal troubles I have to handle due to my car being stolen.

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