vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-14 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Collection company LVNV states this account was opened XX/XX/XXXX, it was in fact opened before XXXX, as I was making payments on this I show a payment as early as XX/XX/XXXX which means it was opened XXXX of XXXX. This account was also charged off XX/XX/XXXX I received no 1099 to file my taxes and the amount was over {$500.00} so it was eligible for a XXXX. And it does not show charged off on my credit reports. They wrote this charge off with their taxes and took the credit on my account. This credit was bought out by LVNV XX/XX/XXXX without my authorization. XX/XX/XXXX was not the date this account was opened by XXXX XXXX XXXX it was opened in XXXX or XXXX, even if it was XX/XX/XXXX its been 7 years and should be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: MI

Complaint narrative:
It's almost every month but lately it's switched up and in that my disputed claims go either to someone else or they don't give them to me I'm talking XXXX of dollars that have been missing even through social security you have instructed the last time that there advocacy group. Contacted me they did not even get one time through social security where in the beginning I was getting over XXXX a month and now I'm just getting up to that social security I've. XXXX dealing XXXX many years and they push me away acting as if I do not know what I'm talking about then I get over payments I think not but XXXX XXXX has gone too far I want them investigated over my two accounts that someone has a card for the other one me not supposed to be knowing there is an account there and my regular account with a duplicate or different numbers on the back as someone else has them that I do not know exactly for sure. Ut I want everything investigated or ill sue I swear it will be one of the last I'm XXXX now I don't care if I'm XXXX thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc.
State: ID

Complaint narrative:
I called and spoke with a XXXX sales rep in XXXX regarding mice in our pipes. The sales rep assured me that they could take care of the problem and asked me to sign a form so that they could make the appointment. He assured me that we could cancel any time without a fee. The service person came on XXXX and left traps ( which we had already done ourselves ) and did not investigate the source of the problem or provide any answers. In short, they did not perform the service we had hired them to do. 

My husband received a bill for an outrageous {$150.00}, which he paid in full upon receipt, but called to express our disappointment and asked that they come out and perform the service we requested. They refused unless we paid for an additional visit. 

In XX/XX/2025, they sent us an additional bill for {$450.00} that they called a " cancellation fee, '' in direct contradiction of the sales person 's promises to me. My husband emailed and called several times to discuss the matter, and XXXX ignored all our attempts to resolve this fraudulent bill. As a last straw, then sent us to collections for services that we never rendered! 

When I turned to XXXX and XXXX to leave reviews warning others for their own protection, I discovered dozens upon dozens of customers having been similarly deceived by this company 's predatory business practice. One elderly man said they even sued him following their lying scams. Another woman shared that when she refused to sign, XXXX signed for her. When I posted photos of these reviews in local XXXX groups to warn other mothers to keep these scammers out of their homes, dozens of other families who have been likewise scammed responded OVERNIGHT. 

This company is clearly profiting off of lying to and scamming residents all across our city. I have never encountered a business so scandalously and egregiously violating the trust of so many of its customers. It is a wonder they have any business left at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
A fraudelant credit report popped up on my XXXX credit report. I attempted to submit a dispute the same day and the system told me I couldn't because I already filed a credit report against them in the past when I absolutely did not. I went to rent property and the company that sold them my information said I had to pay {$250.00} to do an application. I asked the company would my money be refunded if I'm not approved for the apartment they told me yes. I paid the {$200.00} they did my application I was not approved and they never refunded me my money. I have been trying to get my {$250.00} from this company and they kept promising to look into it to give me my money back and never did. They some how took my information and sent it to collections as if I owed them {$250.00}. This is absolutely fraud. And I have the screen shot XXXX would not let me submit my complaint they told me I already submitted XXXX and the bill literally just hit my credit report. I attempted to call them and was unable to speak to a agent. This company actually owes me money I even told this to the creditor and he started yelling at me he was going to send my account to collections if I didn't pay him. This needs to be removed from credit report. Also XXXX thinks you can give a full story on why you don't owe something on your credit report with XXXX characters which is absolutely insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/XXXX, I sent via USPS with signature required, my payoff XXXX XXXX XXXX  for {$1300.00}. The check included my name, contact information and account number. 

On XX/XX/XXXX, Synchrony signed for this envelope at XXXX On XX/XX/XXXX, I received an email stating my payment was overdue On that same date, XX/XX/XXXX, I phone Synchrony Care Credit and was told they " don't have my check '' and asked me for proof it had been cashed. It was printed check from a refinance so I am unable to prove it was cashed. I paid up front for the check to be printed. 

The male customer service agent told me I " needed to check with my bank and send confirmation I paid it ''. 

I had to explain XXXX or XXXX times that it was not a personal check and that the funds were prepaid to generate the check. 

He then said the previous agent gave me the wrong XXXX XXXX XXXX I needed to send a copy of the XXXXXXXX XXXX XXXX register, the USPS tracking and print out confirming Synchrony Care Credit picked up my check. 

On XX/XX/XXXX, I copied the requested information and sent XXXX, no tracking. 

On XX/XX/XXXX I have at least seven snotty emails saying my payment is overdue. 

Synchrony just sent a letter stating they can not locate my payment, closed my request for an answer as to WHERE they deposited my funds and added late fees with the threat of reporting the credit bureaus. 

They either put my funds into the wrong account or someone walked off with my check. I did my diligence in notifying them the payment was coming, obtained tracking and confirmation they received it and sent this information to them XXXX more times asking for help. They sent a letter saying they closed my request and " can't find my check '' even though they signed for it. Each department is pointing fingers at the other and I'm caught in the middle. They're saying they can't track from their po box but all are Synchrony in XXXX. 

All I know is I AM MISSING {$1300.00} that I TRUSTED they would credit to my account, not divert or possibly cash themselves and give me the run around. 

I paid off multiple accounts and all processed within days or XXXX week. Synchrony is the only one who is either completely incompetent or potentially fraudulent in their processes. 

I am unable to attach their declination letter due to how they sent it. It will not save as a XXXX, it is gibberish.

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 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
For the record : On 2024 XX/XX/XXXX, I noticed after withdrawing funds from TD Bank to deposit into XXXX XXXX XXXX account I opened the envelope and my driver 's license wasn't provided. I finished the transaction with XXXX associate and went back to TD Bank and inquired about my missing driver 's license. The young lady proceeded to step aside to look for them and came back to tell me that they did not find them. So that's when I proceeded on to XXXX XXXX XXXX to replace the old id for a new one which I was charged {$58.00} for the replacement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding Equifaxs failure to update inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX  XXXX XXXX provided both Equifax and me with written documentation with case number XXXX confirming that the charge-off status for my account was inaccurate and has been removed. Despite this, Equifax has failed to correct the reporting, and the account continues to show a Charge-Off status.

Under the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes inaccurate information. Equifax did not properly investigate or update the account despite receiving valid documentation from the original creditor. 
2. 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure the accuracy of information reported. Equifaxs continued reporting of a charge-off status, despite verifiable evidence of its removal, indicates non-compliance with this requirement. 
3. 15 U.S.C. 1681s-2 ( a ) ( 2 ) Furnishers of information, such as XXXX  XXXX XXXXXXXX , must correct and update information provided to credit reporting agencies. XXXX  XXXX XXXX fulfilled this obligation by sending Equifax the corrected information, but Equifax failed to update its records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, Experian was notified via dispute letter that the account XXXX  XXXX is inaccurately reporting a 30-day late payment status, despite no such delinquency being reflected in the payment history. Furthermore, Experian was informed that the company stated that this account was never late, and I have attached the correspondence from the company. It is contradictory to claim that the account was 30 days late. This is a clear and erroneous reporting error that must be corrected immediately. Failure to do so will result in this matter being escalated to the Attorney General for further action. I am fully aware of my consumer rights under the FCRA, and I understand that each violation carries a statutory penalty of {$1000.00} should I choose to pursue monetary relief. I have attached my dispute letter ( dated and time-stamped ) along with supporting documentation demonstrating this erroneous reporting. I urge you to reference XXXXXXXX XXXX XXXXXXXX and promptly correct this error before further legal action is necessary. According to 15 U.S. Code 1681a, 15 U.S. Code 1681a1, and 15 U.S. Code 1666b, the reporting of these late payments violates 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 explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ive been in communications with ( TransUnion, Equifax or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law

15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told (
TransUnion, Equifax or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 My only name is : XXXX XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only Date of birth is : XX/XX/year>

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Ive been in communications with ( TransUnion, Equifax or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law

15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told (
TransUnion, Equifax or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 My only name is : XXXX XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only Date of birth is : XX/XX/year>

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 2025-02-14 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-14 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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:
I am writing to formally dispute certain inaccurate and incorrect information currently reflected on my credit report. After thoroughly reviewing my report, I have identified specific entries that do not belong to me, contain erroneous details, or were reported under false pretenses. This situation has created an unjust and unnecessary blemish on my credit profile, and I intend to have it rectified immediately. 

I demand that you conduct a thorough and prompt investigation into the disputed items. These inaccuracies are not only affecting my credit score, but they are also causing significant distress and potential harm to my financial standing. I am fully prepared to take any necessary steps to ensure these errors are removed and that my credit report accurately reflects my true financial history.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This is an unknown debt. Initial complaint opened XX/XX/year>. This company has reported the same debt with a different balance to the same credit reporting agency which has caused a decrease to my score of XXXX points due to no fault of my own

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-14 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: SC

Complaint narrative:
XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX SC XXXX Date : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Deletion of Accounts and Inquiries Victim of Data Breach Pursuant to 15 U.S.C. 1681c-2 ( a ) Dear Equifax Customer Service Team , I am writing to formally request the deletion of specific accounts, inquiries, and personal information from my credit report, as I am a victim of a data breach. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am entitled to have information related to fraudulent accounts removed from my report to protect my privacy and credit integrity. 
Please delete the following accounts from my credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosed, please find any necessary identification and documentation to confirm my identity. Thank you for your attention to this matter, and please contact me if you require any further information to complete this request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief