vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-04-24 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: TX

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Re : Account Number : XXXX XXXX To Whom It May Concern, I am writing to dispute the validity of the collection account associated with the account number referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation into this account and the deletion of the derogatory information from my credit report. 

Below are the details of the disputed account : XXXX XXXX Account Number : XXXX High Balance : {$5000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Credit Unions Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Profit and loss write-off Original Creditor : -- Based on the information provided, I dispute the accuracy of the reported account status, as it incorrectly reflects a collection/chargeoff status. The account was closed and charged off as bad debt, which has negatively impacted my credit report. However, I have been diligently working to resolve this matter. 

Furthermore, I dispute the accuracy of the reported balance owed. According to my records, the balance owed on this account is inaccurate and does not reflect the payments made towards reducing the debt. 

Therefore, I request that this inaccurate and derogatory information be removed from my credit report. Additionally, I request that you provide me with any documentation supporting the validity of the reported information, as required by the FCRA. 

I expect a prompt response to this dispute within 30 days from the date of this letter, as mandated by law. Failure to comply with this request will result in further action being taken to ensure the accuracy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: FL

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

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 2024-04-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

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 2024-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute certain items on my credit report maintained by your agency, as I have discovered inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I request a thorough investigation and prompt resolution of the following discrepancies : Inaccurate Reporting : Upon reviewing my credit report, I have identified several entries that contain inaccurate information. These inaccuracies undermine the integrity of my credit profile and adversely affect my financial standing. 

Failure to Provide Accurate Information : The reported information does not accurately reflect my credit history, and as a result, it misrepresents my creditworthiness to potential lenders and creditors. This constitutes a violation of my rights under the FCRA, which mandates the fair and accurate reporting of consumer credit information. 

Lack of Verification : It appears that proper verification procedures were not followed in reporting the information in question. The FCRA requires credit reporting agencies to ensure the accuracy of the data they collect and maintain. Failure to verify the accuracy of reported information is a violation of this requirement. 

I request that you conduct a comprehensive investigation into these discrepancies and take appropriate action to rectify them in accordance with the FCRA. Furthermore, I urge you to review your procedures for ensuring the accuracy of reported information to prevent similar errors in the future. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your prompt attention to this matter.

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 2024-04-24 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: TX

Complaint narrative:
I am writing to formally dispute certain items on my credit report maintained by your agency, as I have discovered inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I request a thorough investigation and prompt resolution of the following discrepancies : Inaccurate Reporting : Upon reviewing my credit report, I have identified several entries that contain inaccurate information. These inaccuracies undermine the integrity of my credit profile and adversely affect my financial standing. 

Failure to Provide Accurate Information : The reported information does not accurately reflect my credit history, and as a result, it misrepresents my creditworthiness to potential lenders and creditors. This constitutes a violation of my rights under the FCRA, which mandates the fair and accurate reporting of consumer credit information. 

Lack of Verification : It appears that proper verification procedures were not followed in reporting the information in question. The FCRA requires credit reporting agencies to ensure the accuracy of the data they collect and maintain. Failure to verify the accuracy of reported information is a violation of this requirement. 

I request that you conduct a comprehensive investigation into these discrepancies and take appropriate action to rectify them in accordance with the FCRA. Furthermore, I urge you to review your procedures for ensuring the accuracy of reported information to prevent similar errors in the future. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your prompt attention to this matter.

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 2024-04-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Jefferson Capital Systems is falsely reporting information about an alleged debt I was never notified about and is past the Statute of Limitations to report or collect on. They are falsifying information, on my credit report, in an attempt to make the alleged debt look like a new account/collections thus causing continued damage to my credit score. 

According to the information Jefferson Capital reported on my credit file they are trying to collect on an alleged debt originating in XXXX. The alleged original delinquency date is seven years old! 

However, Jefferson Capital is reporting this alleged debt as a new account on my credit reports by claiming I opened an account with them in XXXX of XXXX, despite the original delinquency date saying XXXX. I have no account with this company, I never opened an account with this company and I have never agreed to anything with this company. Attempting to make it look as though this is a new debt/collection account, by posting a false start date, is an illegal action by Jefferson Capital Systems . 

According to Florida State law, this alleged debt is also well past any Statute of Limitations for collecting. As per to the Fair Credit Reporting Act ( FCRA ) the time allowed for credit reporting of this type of alleged debt is seven years. ( Per Section 605 ( A ) # 4 and # 5 of the FCRA ). That time is up! 

This is an attempt by Jefferson Capital to keep the alleged negative collection on my credit report past their legal right to do so. I have also never had the opportunity to dispute this alleged debt because Jefferson Capital Systems has never sent me anything about it. 

I want all accounts, collections, line items, etc, removed by Jefferson Capital Systems from each of my credit reports immediately and permanently. I want all collection activity towards me to stop from Jefferson Capital Systems immediately as their claims against me are false and I dispute them 100 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-04-24 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: CA

Complaint narrative:
SEE ATTACHMENTS! 

How can I owe the same debt to two different companies? I did not authorize these companies to furnish on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: MI

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
I applied for a consumer loan for a medical procedure that ended up being a predatory loan. The interest that is added to the loan payments every month is significantly more than the principal, and after being injured at work, I requested a deferment until I return to work. I have never made any late payments in the past ( I had to take a 60 day deferment in early XXXX  due to XXXX ). I informed them that I am in a cast and can not work with one arm, and would need 2-3 months to recover before going back to work. I have no income. Not only did they deny me, but they call me every day to demand money that I do not have. My monthly payments are {$570.00}, of which only {$260.00} goes to principal. I paid {$300.00} the last 2 months and wrote on the checks that I needed the payments to go towards the principal for those months. They refused and have me marked as 60 days late. So they are taking my money without even applying one penny towards the monthly payments when the principal for each month is LESS than what I sent them. I would think that their priority is to create an optimal environment for payment instead of trying to bully me into squeezing blood from a stone. this doesn't feel legal that although I made 2 payments to keep my credit in tact, they did not apply them to my monthly payments at all. This is not only unreasonable, but cruel. They seem to prefer their customers go into bankruptcy instead of working with them to preserve their ability to pay their debts.

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 2024-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid my XXXX payment for car note for {$460.00} and Truist applied it as an interest only or principle payment and did not pay my monthly car note and it reported to the credit bureau for a 30 day late payment. I have paid this car note consistently the same way for 3 years and have never been late. Truist said they see their mistake but can not change it and that I would have to contact the credit bureaus. I contacted all 3 credit bureaus and they all said it was Truist mistake and they are the only ones that can change it.

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 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: DC

Complaint narrative:
Chime allowed someone to frequently open a checking account and order a debit card with my information, including email, name, physical address, and social security number. Chime did not attempt to perform a credit check, as if they had they would have seen that my credit is locked with all the major bureaus -- I am a previous victim of data breaches. Chime 's practice of allowing people to open accounts without a credit check is allowing people to fraudulently open account with stolen identification presumably obtained online. 

Chime also insisted on me providing my social security number, which I never provided to them -- see above, fraud -- in order to close the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In early XXXX, I noticed some strange transactions on my account from XXXX XXXX ID # XXXX for {$100.00} each month, sometimes twice for the month and sometimes for a lesser amount which I notified the bank and they opened an investigation. However, after some time, the bank closed the investigation without taking any action to resolve the matter, which left my account exposed to criminals as they continued to violate my account with the bank 's permission. I made many attempts to fix the issue with no success. However, sometime in XXXX, I called the bank and I was told that it would be best for me to go to a local branch, and I set the appointment. On the day of my appointment, a gentleman asked me the reason for my visit to which I told him and he invited me into his office I gave him a copy with the name and phone # of the so-called merchant company, which he took. However, instead of looking into my account, he called the so-called merchant company who told him that we authorized the transactions, which we did not. However, my bank took the words of the so-called merchant and told me to work it out with them. Furthermore, he did nothing, not even look at my account, which left my account exposed to the criminals to continue stealing from me with Bank of America 's permission. But, he did advise me to call the so-called merchant but he had other appointments ... I was not pleased and called the bank and spoke with a lady who put some kind of freeze on my account and also sent a form : Unauthorized ACH Corporate Return Form for me to submit, which I did and still waiting for a resolution to date.

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 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have received a notification from Midland Funding LLC. It's the first time I see this shape. I didn't have the slightest idea. I did not get the city bank card that they are charging me for. I have had other cards that I am currently still paying. But I have no idea what they mention. I lost my entire wallet. Unfortunately a few years back coming back from filing IRS taxes, I lost my wallet. My SS card was there. I just recently received my new card. Since I know my SS # I hadn't had the opportunity to request another one. But a few months ago I finally did. I'm afraid someone took advantage of that situation. But I do want to say I don't recognized that debt. I would like to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  {$1200.00} This account does not belong to me. This dispute is not being initiated as an attempt for credit repair.

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