vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Had money garnish from my bank account by Midland Funding LLC. Was not informed of this action until my wife got a judgement letter. I was never notified, or was even told what the debt was about. I called midland to dispute this action and to find out what the debt was for. They infor.ed me that it was for a XXXX XXXX Credit card, from XXXX. I I formed them that I never had a credit card with XXXX. Even now, I only have a XXXX XXXX account, and the XXXX XXXX. I have is under my wife 's name, a d I am only a authorized user. I was then infor.ed that midland got thebdebt in XXXX, and is now taking action. XXXX  years later, which goes against california law. I was told by XXXX, the account manager from midland that I have obligation to show this debt is not mine. I asked how to do that, if I have no knowledge of this debt. She then gave me the web address for the FTC to do this report. The original debt was for around {$1900.00} and is now {$2000.00}, plus the XXXX dollars my bank charged me for legal fees. I do know that my identity was stollen in the past and someone tried to or rented a house under my name and social security number in a state back east. At that time I did put a credit freeze for a year on my social security number with the XXXX credit beuroes. As a XXXX veteran the only gets money from my XXXX XXXX  this is putting an extreme undue financial hardship on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: FL

Complaint narrative:
My car payment is every day on the XXXX of each month. On XX/XX/2024 I made my payment, which was a payment on time. This payment was correctly reflected on my account statement. However, XXXX XXXX XXXX  processed the payment on XX/XX/XXXX. Which indicates that I supposedly paid out of time. This generated a report on my credit report that I paid XXXX  days late when that is not true. The bank explained to me that even if I paid on time, I should have taken into consideration the banks ' possible payment times. Something that is not stipulated, they also indicated that they received the funds on XX/XX/2024. When my account bank statements that I sent them via fax showed the payment on XX/XX/XXXX on time and no more charges on other dates later. I am in the process of entering the XXXX XXXX as an XXXX for a special XXXX XXXX  program in XXXX  and I explained to them that this error would delay my XXXX XXXX  process. They told me that it could be a system error but that they could only notify the IT system and resolve it in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
My checking account got hacked into and XXXX was paid to a person I do not know. Chime sent me a text saying something about some was trying to make a transaction for XXXX I'm not to worry they where handling at. Next time I look at my account XXXX was gone. Which left my account empty. I called them and let them know that I couldn't have made that transaction because I was on a plane going to California asleep on my way to identify my son who passed away that week. So they denied my claim. Causing me added stress on the worst day of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: 1st Franklin Financial Corporation
State: MS

Complaint narrative:
I noticed several unauthorized inquiries on my credit report : XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- 1st Franklin XX/XX/XXXX -- -- -- -- XXXX XXXX XXXX XX/XX/XXXX -- -- -- - XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- 1st Franklin Financial XX/XX/XXXX -- -- -- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I noticed several unauthorized inquiries on my credit report : XX/XX/XXXX -- -- -- - Capital One XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX  XX/XX/XXXX -- -- -- XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX XXXX XXXX XX/XX/XXXX -- -- -- - Capital One Bank USA XX/XX/XXXX -- -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

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 2024-05-03 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

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 2024-05-03 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: NC

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-03 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: NC

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-03 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:
In XX/XX/XXXX Experian reported that XXXX XXXX reported that I paid off an account in settlement for less than full balance. That never happened. I called XXXX and they said that the account was closed with a XXXX balance and they do not show that I paid in settlement, which was the truth, but the credit bureau says that XXXX is reporting to them that it was paid in settlement which did not happen. XXXX tells me on the phone when I talk to their credit reporting department ( XXXX  times, every XXXX weeks ) that they, XXXX, are not reporting it that way and that it is Experian 's error, not their error. Experian says it is done automatically and although I have disputed it XXXX times through the Experian automatic system that XXXX reports back the same error. This account was never in default or paid late and it was normally closed after the balance had been paid. There is no documentation that anyone has to show other than I paid it in full every month then closed the account ending in XXXX on XX/XX/XXXX with a XXXX balance. I have this in writing from XXXX dated XX/XX/XXXX. The credit bureau refused to accept the letter I send them and XXXX refuses to send them an elevated letter claiming I did not pay this in settlement and that it was closed with a XXXX balance and NO SETTLEMENT was involved EVER.

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 2024-05-03 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: MI

Complaint narrative:
After checking my credit report and trying to remove inaccurate information I discovered that the following two accounts XXXX XXXX child support and self inc have been both violation my rights by furnishing inaccurate and unfair information. They have been reporting the following address for over three years after I reached out to update numerous of time. XXXX XXXX and Experian both have been working cooperatively with these companies to ensure the inaccurate information remains on my credit report. After numerous attempt to update or get the information removed there has been nothing done to remedy the situation and Im afraid according to numerous of laws from UCC USC AND FCRA this will serve proof as I have reached out and filed numerous disputes. My correct address is on file with credit bureaus and if theres any proof that I stated that I lived in the address listed then Id like to see proof.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Self Financial Inc.
State: MI

Complaint narrative:
After checking my credit report and trying to remove inaccurate information I discovered that the following two accounts XXXX XXXX child support and self inc have been both violation my rights by furnishing inaccurate and unfair information. They have been reporting the following address for over three years after I reached out to update numerous of time. XXXX XXXX and XXXX both have been working cooperatively with these companies to ensure the inaccurate information remains on my credit report. After numerous attempt to update or get the information removed there has been nothing done to remedy the situation and Im afraid according to numerous of laws from UCC USC AND FCRA this will serve proof as I have reached out and filed numerous disputes. My correct address is on file with credit bureaus and if theres any proof that I stated that I lived in the address listed then Id like to see proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Formal Complaint Regarding Inaccurate Credit Reporting and Violations of Fair Credit Reporting Act and Fair Debt Collection Practices Act by XXXX XXXX XXXX/Transunion XXXX XXXX, XXXX I am writing to formally complain about the inaccurate information XXXX XXXX XXXXXXXX has been reporting on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite numerous attempts to rectify the situation, the errors persist, and XXXXXXXX XXXX XXXXXXXX has failed to comply with the following regulations : XXXX. **Violations of the Fair Credit Reporting Act ( FCRA ) : ** - **15 USC 1681s-2 ( b ) : ** Failure to correct inaccurate information.

- **15 USC 1681s-2 ( a ) : ** Reporting inaccurate information to consumer reporting agencies.

- **15 USC 1681i ( a ) : ** Failure to conduct a reasonable reinvestigation of disputed information. 

XXXX. **Violations of the Fair Debt Collection Practices Act ( FDCPA ) : ** - **15 USC 1692f ( 8 ) : ** Using deceptive means to collect or attempt to collect any debt.its a violation for company to placed thier logo on evenlope/letter After multiple reinvestigations, I have received XXXX different reports from XXXX consumer reporting agencies, each showing discrepancies in the information provided by XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX Report : ** - The reported balance is {$680.00}, whereas my actual balance is {$600.00}. 
- The account is listed as charged off, yet it still shows a balance of {$600.00}. 
- The report indicates a payment was made in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. 

XXXX. **XXXX  Report : ** - The report shows a XXXX late payment in XX/XX/XXXX. 
- Information for XXXX and XXXX is missing, rendering the report incomplete. 

XXXX. XXXX Report : ** - The account 's opening date is listed as XX/XX/XXXX. 
- Information for XXXX and XXXX is missing, making the report incomplete. 
- The XXXX  delinquent date is incorrectly reported as XX/XX/XXXX. 

Furthermore, all XXXX  reports lack information regarding the transfer/sale of the debt, which is a crucial aspect of the account 's history. 

As per the FCRA and FDCPA, I am requesting that XXXXXXXX XXXX  XXXX immediately rectify these errors by deleting the inaccurate account information from my credit reports. Additionally, I am seeking appropriate remedies for each violation, totaling {$1000.00} per violation. 

I expect this matter to be resolved promptly and satisfactorily. Failure to do so may result in further legal action.

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 2024-05-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Formal Complaint Regarding Inaccurate Credit Reporting and Violations of Fair Credit Reporting Act and Fair Debt Collection Practices Act by XXXXXXXX XXXX XXXX XXXX equifax, XXXX I am writing to formally complain about the inaccurate information XXXX XXXX  XXXX has been reporting on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite numerous attempts to rectify the situation, the errors persist, and XXXXXXXX XXXX  XXXX has failed to comply with the following regulations : XXXX. **Violations of the Fair Credit Reporting Act ( FCRA ) : ** - **15 USC 1681s-2 ( b ) : ** Failure to correct inaccurate information.

- **15 USC 1681s-2 ( a ) : ** Reporting inaccurate information to consumer reporting agencies.

- **15 USC 1681i ( a ) : ** Failure to conduct a reasonable reinvestigation of disputed information. 

XXXX. **Violations of the Fair Debt Collection Practices Act ( FDCPA ) : ** - **15 USC 1692f ( 8 ) : ** Using deceptive means to collect or attempt to collect any debt.its a violation for company to placed thier logo on evenlope/letter After multiple reinvestigations, I have received XXXX different reports from XXXX consumer reporting agencies, each showing discrepancies in the information provided by XXXXXXXX XXXX  XXXX : XXXX XXXX XXXX Report : ** - The reported balance is {$680.00}, whereas my actual balance is {$600.00}. 
- The account is listed as charged off, yet it still shows a balance of {$600.00}. 
- The report indicates a payment was made in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. 

XXXX. **XXXX Report : ** - The report shows a XXXX late payment in XX/XX/XXXX. 
- Information for XXXX and XXXX is missing, rendering the report incomplete. 

XXXX. **Equifax Report : ** - The account 's opening date is listed as XX/XX/XXXX. 
- Information for XXXX and XXXX is missing, making the report incomplete. 
- The XXXX  delinquent date is incorrectly reported as XX/XX/XXXX. 

Furthermore, all XXXX reports lack information regarding the transfer/sale of the debt, which is a crucial aspect of the account 's history. 

As per the FCRA and FDCPA, I am requesting that XXXXXXXX XXXX XXXXXXXX immediately rectify these errors by deleting the inaccurate account information from my credit reports. Additionally, I am seeking appropriate remedies for each violation, totaling {$1000.00} per violation. 

I expect this matter to be resolved promptly and satisfactorily. Failure to do so may result in further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: Credova Holdings Inc
State: TX

Complaint narrative:
Unauthorized personal information has been used for personal credit Please remove inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment 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 non-monetary relief
Consumer complaint received 2024-05-03 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: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment 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 2024-05-03 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

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