vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Demand Regarding Communication To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that your company cease and desist from all forms of communication with me regarding the alleged debt associated with account number [ Insert Account Number ] effective immediately.

This cease and desist request applies to, but is not limited to : 1. Written communication to my address or any other address.

2. Verbal communication by phone or in person.

3. Digital communication, including emails, texts, or other electronic means.

4. Reporting or updating information related to this alleged debt with credit reporting agencies, as such action constitutes a form of communication under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which held that reporting debts to credit bureaus is an attempt to induce payment and is therefore a communication under the FDCPA. 



Failure to comply with this request will result in further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential civil litigation for violations of the FDCPA. Please note that my request does not absolve you of your obligation to provide written confirmation of the cessation of collection activity or your legal right to seek a remedy through appropriate legal channels, if applicable. 



You are also reminded that under 15 U.S.C. 1692e ( 8 ), continuing to report inaccurate or unverified information to credit reporting agencies violates the FDCPA, and I will not hesitate to seek statutory damages if this occurs. 



Thank you for your prompt attention to this matter. Please confirm in writing that all communication efforts related to this alleged debt have been terminated. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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:
My personal information was compromised and i did not authorize the creation of the account listed below 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 2024-12-19 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: IL

Complaint narrative:
upon reviewing my credit report, I discover several unauthorized hard inquires that I do not recognized. I contacted the credit bureaus to dispute these hard inquires and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negativity affecting my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
As of XX/XX/2024 the items below remain inaccurate and missing from my LexisNexis XXXX XXXX Credit report they also have a second LexID on file for my business. 

My Business name SOS Filing Number Business Established Date TIN The issues that started in XXXX of XXXX still exist in XX/XX/2024, the recent letter I received notates the Case Number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Account Name or Number : XXXX XXXX XX/XX/XXXX Dispute Reason : " This account is not mine '' Account Name or Number : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Dispute Reason : " This account was CANCELLED AND PAID. '' Account Name or Number : XXXX XXXX XXXX XX/XX/XXXX XXXX Reason : " This account is not mine '' Account Name or Number : XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX Reason : " This account was CANCELLED AND PAID. '' Account Name or Number : XXXX, dated XX/XX/XXXX Dispute Reason : " This account was CANCELLED AND PAID. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: GA

Complaint narrative:
My credit profile has been in a mass data breach 12 times with XXXX XXXX and XXXX including the dark web. It is impossible for me to obtain the things that I need to manuver in life because this keeps happening. I've tried serveral times to get these inquiries removed. I an a vitcim of Hurricane XXXX, the hurricane flooded my car and I can't get another one because I have XXXX inquires and there in cities I've never lived. I have never lived in XXXX but I have over XXXX auto inquiries. I can't buy my family a hot dog because of this. Please help me this time. It's not fair at all to have to continiously go through this type of situation. Scammers are too smart so locking my credit hasn't worked in the pass. Please give me some direction other than having to spend money. We are homeless and without a car. Please help. My address has not change I still at the same address. Where do you all get these addresses from? My mailing address is still XXXX XXXX XXXX XXXX apt XXXX XXXX GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, between XXXX AM and XXXX AM, I attempted to withdraw money from an ATM located at The XXXX XXXX in XXXX XXXX, NV, near the ground floor restroom opposite the XXXX and XXXX table. I used my Chase debit card linked to my checking account for the transaction. 

I attempted to withdraw {$600.00}, but the ATM displayed an error message stating that the amount I was trying to withdraw exceeded my daily withdrawal limit. My daily withdrawal limit is {$500.00}, as confirmed by Chase. I tried the same transaction a second time, but it resulted in the same error message. At no point did the ATM dispense any cash. 

Upon checking my Chase mobile app, I saw that a total of {$1200.00} was debited from my account despite not receiving any money from the ATM. 

I immediately reported the issue by calling the Chase customer service number on the back of my debit card. However, I was informed that the claims department was unavailable at that hour and was advised to call back during business hours. I also visited the casinos cashier and explained the situation. The casino provided me with a printed receipt showing that both transactions had failed and that no money was dispensed by the ATM. I am attaching the receipt as evidence. 

Subsequently, I filed a claim with Chase, but they denied it, stating that they could not track the transactions or recover the funds. I also questioned how it was possible for me to withdraw more than my daily withdrawal limit of {$500.00}, but Chase has not provided a satisfactory response. 

This is a significant loss of my hard-earned, after-tax money, and I urgently request your assistance in resolving this matter. I want {$1200.00} credited back to my account, as I did not receive any money from the ATM for the debited transactions. 

Thank you for your attention to this issue. 

Supporting Documents : Receipt from The XXXX XXXX showing failed ATM transactions. 
Screenshots or statements from Chase showing the {$1200.00} debited from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: TFC Credit Corporation of California
State: NV

Complaint narrative:
I paid off my school loan with a loan company years ago, they filed late charges recently on my account and will not remove the incorrect late charges even though I've already paid them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I was told by the XXXX XXXX XXXX that I owe for the vehicle when they they allowed me to make payment arrangements and then the next day they came and got the vehicle from where I lived there was a misunderstanding between agents one told me I could wait until that Friday when I got paid They quoted me so much more money after They came and got the vehicle with my personal belongings still in the car. Money was in the car for tolls as well This was a wrongful auto repossession for me. I was paying a note of {$700.00} per month Now I have no vehicle I had made payment arrangements I had to wait until my check posted. 
The vehicle is sold now and they added on a lot of extra fees

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I did not recognize. I contacted the credit bureaus to dispute these hard inquires and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue XXXX and is negativity affecting my financial standing.

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 2024-12-19 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: CA

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Experian via XXXX certified mail, tracking # XXXX, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. 
I included a copy of my photo ID, social security card, and a recent bill with my current address to assist Experian in verifying my identity and address. 
I received a response from Experian dated XX/XX/year>, stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Experian has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the FCRA. As evidence, I am including a copy of my dispute letter sent to Experian, USPS certified mail proof of delivery, and Experians response.

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 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I made a payment worth {$43.00} and another of {$26.00} on the XXXX and XXXX. It was the weekend so American express wouldnt charge it. On the XXXX, I was charged a ACH NSF fee worth {$29.00} for the payment for {$43.00} and another as well worth {$29.00} for the {$26.00} payment. Every-time I have spoken with a customer service representative, they have said that Amex only retries the payments every 2-3 business days. XXXX, single, time, as well as the supervisor whom i begged to connect to. Then on the XXXX, they again charged me {$29.00} and another {$29.00} for my {$43.00} payment and the {$26.00} payment. On my Amex statement, it confirms the XXXX charges of {$29.00} on the XXXX, but not the XXXX. Everyone at Amex said they did not see that charge, and they never said it was from them. So i called my bank for the XXXX time, and they said that Amex XXXX attempted to charge the payment on the XXXX, and the XXXX. So {$58.00} disappeared into thin air, i should also mention that the first charge on the XXXX that is verified by my card statement, and the one on the XXXX both say the same thing, ACH NSF Fee In the amount AMEX EPAYMENT So that makes me think that all 4 of those charges are from Amex, or my bank. Yet my bank is saying it is because Amex tried to charge me, but the charge isnt showing up to anyone in charge of customer support at Amex. There is no way to provide images and they just pretend like they arent responsible for the charge, and my bank as well. I bank with XXXX XXXXXXXX XXXX XXXX XXXX. I have all the transaction IDs and screenshots of customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Company is displaying inaccurate information about my employer. Credit reports state that XXXX and XXXX are my employers. This is old and inaccurate information. I would like it removed.

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 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered unauthorized bankruptcies on my consumer report that violate 15 U.S. Code 1681a ( 4 ), specifically regarding consumer privacy rights. As a victim of identity theft, these fraudulent entries represent a serious breach of my personal information, potentially rendering your organization criminally and civilly liable for improper disclosure.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
I am filing a formal complaint regarding inaccurate and unlawful reporting by SYNVS/FD on my credit report. There are multiple discrepancies in the information provided across the credit reporting agencies. XXXX, XXXX, and XXXX are reporting different " Date Opened, '' " Date Last Active, '' and payment history. Additionally, the high credit and credit limit amounts are inconsistent or missing entirely. Furthermore, SYNVS/FD is not registered to transact business in the state of Texas, as their registration has been forfeited due to inactivity. This non-compliance with Texas business regulations makes them ineligible to report any information to the credit bureaus. 

The reporting details also contain significant inaccuracies. The payment history is inconsistent across the bureaus, and the comments indicate that the account was sold or transferred to another lender. However, no validation of this sale or transfer has been provided. Additionally, the account is reported as " charged off '' while reflecting a balance of {$0.00}, which is contradictory and inaccurate. Given these violations and inaccuracies, this account should not be reported on my credit file. The failure of SYNVS/FD to maintain compliance with state regulations further invalidates their right to report this account. 

I request that Synovus investigates this matter promptly and ensures that this account is removed from all three credit reports.

Company response to consumer: Closed with explanation