vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Co LLC
State: TX

Complaint narrative:
I am submitting this formal complaint against Debt Co Collections for their failure to provide requested documentation and for attempting to collect a deficiency balance after the repossession of my vehicle. Despite six months of repeated requests for essential information, including the sale price of the vehicle and how the proceeds were applied to my loan balance, Debt Co Collections has not provided any response or documentation. 

My vehicle was repossessed due to non-insurance and subsequently sold at auction. However, I have not received any documentation from Debt Co Collections detailing the sale price of the vehicle or how the sale proceeds were applied to my loan balance. Despite multiple requests for this information, I have received no response, and my balance still reflects the original deficiency of {$6100.00}, the amount I owed at the time of repossession. This amount remains unchanged, and without any evidence of the sale price or a breakdown of the proceeds, I can not verify the legitimacy of the current balance. 

Under the Uniform Commercial Code ( UCC ) 9-610, when a vehicle is repossessed and sold, the lender is required to conduct the sale in a commercially reasonable manner and provide the borrower with a Notice of Sale and the sale price. Furthermore, UCC 9-613 mandates that the lender must provide a breakdown of how the sale proceeds were applied to the outstanding loan balance. The Texas Business and Commerce Code also requires the sale to be conducted fairly and reasonably, yet Debt Co Collections has failed to provide any documentation proving that the sale was conducted appropriately. 

I am requesting that Debt Co Collections provide the following within 15 days : Documentation showing the sale price of my vehicle and a breakdown of how the proceeds were applied to my loan balance. 
The Notice of Sale and proof that the sale was conducted in a commercially reasonable manner. Also show how you were able to verify my dispute Any communication or records between Debt Co Collections and XXXX XXXX XXXX regarding the repossession, sale, and deficiency balance. 
If I do not receive the requested documentation or an adequate explanation within 15 days, I will consider pursuing further action, including filing a formal complaint with the Texas Attorney Generals Office and taking legal action under the Fair Debt Collection Practices Act ( FDCPA ) for failure to comply with debt collection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against EQUIFAX regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
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 I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reason : Please verify that late payment is made, I have never made a late payment, I have always paid on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, EQUIFAX has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against EQUIFAX regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
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 I submitted a dispute to XXXX disputing a late payment XXXX XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reason : Please verify that late payment is made, I have never made a late payment, I have always paid on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, EQUIFAX has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to urgently request the Consumer Financial Protection Bureau 's intervention regarding an inaccurate debt collection entry on my credit report. This entry, reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is incorrect. XXXX XXXX XXXX  records confirm no outstanding fees. 

XXXX, TransUnion, and XXXX have failed to verify this account before placing it on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). This negligence is severely affecting my livelihood by damaging my credit standing.

I request immediate action to investigate this matter and ensure that this erroneous entry is removed from my credit report without delay. Enclosed are copies of my installation clearance records and previous correspondence with the involved parties. 

Thank you for your prompt attention to this critical issue. 

Sincerely, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-12-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to urgently request the Consumer Financial Protection Bureau 's intervention regarding an inaccurate debt collection entry on my credit report. This entry, reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is incorrect. XXXX XXXX XXXX  records confirm no outstanding fees. 

Experian, XXXX, and XXXX have failed to verify this account before placing it on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). This negligence is severely affecting my livelihood by damaging my credit standing. 

I request immediate action to investigate this matter and ensure that this erroneous entry is removed from my credit report without delay. Enclosed are copies of XXXX XXXX XXXX records and previous correspondence with the involved parties. 

Thank you for your prompt attention to this critical issue. 

Sincerely, 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 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I am writing to formally file a complaint regarding the mishandling of my direct deposits and the unacceptable level of customer service I have experienced with your bank. 

I received a promotional offer for a new checking account via mail and proceeded to open the account online as instructed. My employer successfully deposited two of my work checks via direct deposit into the account without issue. However, the third deposit was unexpectedly rejected by your bank, causing significant disruption to my financial affairs. 
We received a letter that said we reported identity theft. We did not such thing. 
In an attempt to resolve this matter, I contacted your customer service team. After waiting on hold for hours, I was informed that no one over the phone could assist me. I then visited a local branch, only to be told that I would need to wait 90 days before the issue could be resolved. This is completely unacceptable and has caused unnecessary stress and inconvenience.

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 2024-12-10 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: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-10 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-10 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:
Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item ( s ) from my report, immediately 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 non-monetary relief
Consumer complaint received 2024-12-10 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: NY

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
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

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 2024-12-10 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-10 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 require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime is an app that advertises themselves as a financial institution such as a bank, but they are far from it. I used my Chime card at the ATM to withdraw money from my Chime account. I needed to withdraw {$1000.00} to pay my rent. I had just enough in my account to cover my rent so I could not afford to go to an ATM that was out of the CHIME network and would charge fees for the transaction. Unfortunately Chime only allows customers to take out {$200.00} per transaction, so I would need to do 5 separate transactions to take out the full amount. The 1st transaction went thru just fine, but the 2nd transaction didn't give me any cash yet the machine spit out a receipt yet no cash came out. The {$200.00} however was taken out of my account. I called the number on the ATM machine and I was told that there was an error, and they advised me to contact Chime directly to file a regulation E dispute. I promptly called Chime and was immediately given the run around. Initially they refused to file a dispute and wouldn't agree to return my money. After several calls and days later, I was finally able to file a dispute, but I was already late on my rent and I was told that the " investigation " would take over a month. I explained to the managers how dire the situation was and that I really needed the money now to pay my rent. They refused to issue a provisional credit on my account and now I haven't been able to pay my rent and my landlord will not take the " ATM stole my money '' excuse, because landlords know that real banks would offer a credit if one of their ATM 'S malfunctioned. So I still don't have the money that was stolen from me by Chime. This company needs to be seriously regulated ASAP. They are fooling people to think that they are a bank and people such as myself are finding out the hard way that they go by a different set of rules while dealing with our hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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 recently reviewed my credit report and noticed there was fraudulent activity. it is hindering me from obtaining credit.

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 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
According to FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated and I the consumer have not received a debt validation letter for the accounts below. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. Please send me a copy of my credit report when the above collections are deleted and has been removed. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: DE

Complaint narrative:
I was shocked to see inaccurate accounts pop up on my credit report today, and I honestly dont understand how this could have happened. Ive always checked my credit report without issues, but this time, errors appeared out of nowhere. I even tried refreshing the page, thinking it might just be a technical problem, but the discrepancies didnt go away. I feel so lost and helpless, and Im begging for someone to carefully review the documents I submitted to resolve this and give me peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item ( XXXX ) from my report, immediately : Account : 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