vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: NE

Complaint narrative:
I purchased XXXX XXXX  from XXXX XXXX XXXX on XX/XX/XXXX ( XXXX is primary and another is secondary ) XXXX XXXX XXXX  Account # : XXXX and I returned both the phones on XX/XX/XXXX in a single box and attached the return label. I spoke with XXXX at XXXXXXXX XXXX XXXX customer service return department and the reference number is XXXX. She generated the return label and she said that I need to return both the phones in the same box because the secondary phone has to return along with the primary phone. I got the confirmation email from XXXX XXXX XXXX Return department on XX/XX/XXXX that my phone was received by XXXX XXXX XXXX. Later my amount ( {$140.00} for XXXX devices ) was credited back to my account on XX/XX/XXXX, So it makes clear that I don't have any phone from XXXX XXXX XXXX. and I request you to file the dispute and investigate and send me the statement that shows nothing to pay XXXX XXXX XXXX. 

XXXX. I have received the call from XXXX XXXX XXXX regarding the outstanding and I explained everything with the below document, then I didn't get calls or letters from XXXX XXXX XXXX. 
XXXX. On XX/XX/XXXX, I received an email from XXXX ( Debt Collector ) to pay the outstanding amount {$1400.00}, again explained everything and sent the below documents to them and requested to send me the statement with XXXX outstanding but not received any response from them. 
XXXX. My Credit Rating gone down due to above outstanding {$1400.00} and it was mentioned to contact the collection agency ( Sunrise Credit Service - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), so I called them on XX/XX/XXXX and explained and sent all the below documents to them to file the dispute. 
I need help because it doesnt look like it is going to be resolved because XXXX XXXX XXXX has given this outstanding to a different collection agency. 
I have attached the following documents for your reference : XXXX. XXXX XXXX XXXX return confirmation email, 2. Statement that shows the amount credited back to my account- I can provide later XXXX. Return Label

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
For the months XX/XX/year>, XX/XX/year>, and XX/XX/year> I have submitted multiple disputes along with FTC identity theft report proving I am a victim of identity theft. I have yet to receive any updates regarding the multiple disputes I have submitted both online and via postal mail. 

There are fraud accounts reporting on my credit bureaus per 15 USC 1681b Any information reporting that is false is considered as Identity theft. My attachments indicate the accounts that need to be removed from all 3 credit bureaus immediately. All collections and charge off accounts must be removed from my credit report. I did not do business with these companies nor was i aware of these accounts prior. 
Please remove the fraudulent accounts from my credit report as soon as possible. This inconvenience is hindering life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
For the months XX/XX/year>, XX/XX/year>, and XX/XX/year> I have submitted multiple disputes along with FTC identity theft report proving I am a victim of identity theft. I have yet to receive any updates regarding the multiple disputes I have submitted both online and via postal mail. 

There are fraud accounts reporting on my credit bureaus per 15 USC 1681b Any information reporting that is false is considered as Identity theft. My attachments indicate the accounts that need to be removed from all 3 credit bureaus immediately. All collections and charge off accounts must be removed from my credit report. I did not do business with these companies nor was i aware of these accounts prior. 
Please remove the fraudulent accounts from my credit report as soon as possible. This inconvenience is hindering life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a copy of my credit report and found the following items to be errors. 

Old/Incorrect Address Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : Not listed on XXXX or Equifax but listed on XXXX as the Year only. 

I demand that these items be investigated and removed as well as updated from or on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: PA

Complaint narrative:
I received a copy of my credit report and found the following items to be errors. 

Old/Incorrect Address Reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : Not listed on Experian or XXXX but listed on XXXX as the Year only. 

I demand that these items be investigated and removed as well as updated from or 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 2025-01-28 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
To : Whom it may concern, I am writing to dispute the bankruptcy information in my consumer report. The bankruptcy listed is inaccurate, incomplete, or unverifiable. There are several FCRA laws that are in violations of my rights, taken by XXXX. The laws follow are, 15 U.S.C. 1681 ( E ) ( B ) Accuracy on Report 15 U.S.C. 1681 ( B ) ( 2 ) Permissible purpose/ Written instructions of consumer to whom it relates. 
15 U.S.C. 1681 ( Q ) Obtaining information under false pretenses 18 U.S.C. 1028 ( A ) Aggravated Identity Theft 15 U.S.C. 1681c-2 Block of Information resulting from Identity Theft Under the Fair Credit Reporting Act ( FCRA ) section 611, I request that you : 1. Verify the accuracy of the bankruptcy information by contacting the source directly. 

2. Provide the name, address, and the method used to verify this bankruptcy information. 

Also, please note that the court does not report bankruptcies to the credit agencies. As stated in the letter attached from the courts itself. If the information can not be verified, I request that it be removed from my report. 
I expect an investigation to be completed and a written response regarding the results of the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: EQUIFAX, INC.
State: MS

Complaint narrative:
To : Whom it may concern, I am writing to dispute the bankruptcy information in my consumer report. The bankruptcy listed is inaccurate, incomplete, or unverifiable. There are several FCRA laws that are in violations of my rights, taken by XXXX. The laws follow are, 15 U.S.C. 1681 ( E ) ( B ) Accuracy on Report 15 U.S.C. 1681 ( B ) ( 2 ) Permissible purpose/ Written instructions of consumer to whom it relates. 
15 U.S.C. 1681 ( Q ) Obtaining information under false pretenses 18 U.S.C. 1028 ( A ) Aggravated Identity Theft 15 U.S.C. 1681c-2 Block of Information resulting from Identity Theft Under the Fair Credit Reporting Act ( FCRA ) section 611, I request that you : 1. Verify the accuracy of the bankruptcy information by contacting the source directly. 

2. Provide the name, address, and the method used to verify this bankruptcy information. 

Also, please note that the court does not report bankruptcies to the credit agencies. As stated in the letter attached from the courts itself. If the information can not be verified, I request that it be removed from my report. 
I expect an investigation to be completed and a written response regarding the results of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: PA

Complaint narrative:
I am writing to formally request the removal of the following unauthorized or inaccurate credit inquiry from my credit report. Upon reviewing my credit report, I noticed these inquiries listed that I did not authorize. The credit bureaus have listed these on all 3 credit reports several times. I have even requested a method of validation and didn't receive anything. 

The details of the inquires in question are as follows : XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX ( Reported several times on the same day ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX ( on my reports several times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - No date listed XXXX XXXX - No date listed I have thoroughly reviewed my records, and I can confirm that I did not authorize these inquiries. Most of these inquires are on my report SEVERAL TIMES and on the SAME DAY. According to the Fair Credit Reporting Act ( FCRA ), under 15 USC 1681. I have the right to dispute any information that is inaccurate or unverifiable. Also under section 605B it is illegal to report anything on my credit report without my permission and I didn't authorize these inquires. I have already contacted the original creditors who pulled my credit report and filed a dispute with them and and now with the CFPB. I kindly request that you investigate this matter and remove these inquiries from my credit report as it does not belong there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: PA

Complaint narrative:
I am writing to formally request the removal of the following unauthorized or inaccurate credit inquiry from my credit report. Upon reviewing my credit report, I noticed these inquiries listed that I did not authorize. The credit bureaus have listed these on all 3 credit reports several times. I have even requested a method of validation and didn't receive anything. 

The details of the inquires in question are as follows : XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX ( Reported several times on the same day ) XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( on my reports several times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - No date listed XXXX XXXX - No date listed I have thoroughly reviewed my records, and I can confirm that I did not authorize these inquiries. Most of these inquires are on my report SEVERAL TIMES and on the SAME DAY. According to the Fair Credit Reporting Act ( FCRA ), under 15 USC 1681. I have the right to dispute any information that is inaccurate or unverifiable. Also under section 605B it is illegal to report anything on my credit report without my permission and I didn't authorize these inquires. I have already contacted the original creditors who pulled my credit report and filed a dispute with them and and now with the CFPB. I kindly request that you investigate this matter and remove these inquiries from my credit report as it does not belong there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Kikoff Inc.
State: CA

Complaint narrative:
I am writing to complain about a charge-off that I noticed on my credit report related to my account with this company. Specifically, I did not receive a 1099-C form regarding this charge-off.

A 1099-C form is issued by creditors when a debt has been canceled or settled. This form is essential for tax purposes, as the IRS considers the canceled debt as taxable income.

I would like to request clarification regarding this charge-off and whether a 1099-C form was issued for my records. It is important for me to ensure that all necessary documentation is in order for tax reporting and to understand my financial standing accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CL Holdings LLC
State: IL

Complaint narrative:
i am not liable for this debt, i do not have a contract with this company, according to FCRA USC 1692 ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
This company engages in unfair lending practices by implementing a daily interest rate on the loan I have with them for a roof and solar panels. Dividend has explained to me that is this is an interest first loan and there is a daily interest rate, therefore my monthly payment goes to the interest that is due first and the remainder goes towards my principal. The formula makes it impossible to pay off my loan and my principle goes up each month after making the {$340.00} payment. 

I began making payments in advance of the due date ( XXXX of each month ) in an attempt to reduce the daily interest rate. This was not effective and the company then informed me that the daily interest rate is applied based on the date of the previous payment and not the due date. 

The statements are very difficult to understand and each month I am unsure what portion of my payment will go towards principal vs interest. 

This company needs to be researched and sued for their practices. This is predatory lending which forces homeowners into greater debt for excessive profits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX XX/XX/year> Experian Credit Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute the accuracy of an account listed on my credit report. The account in question is from XXXX XXXX XXXX, with the account number partially displayed as XXXX. Upon reviewing my credit report, I have identified inaccuracies related to this account that I believe are erroneous or misreported. 

The following details are disputed : XXXX. XXXX XXXX : The report states that the account was charged off with a past due balance of {$1700.00}. I dispute the accuracy of this status and request verification of this information. 
XXXX. Payment History : The reported XXXX payment history incorrectly reflects delinquencies that I do not recognize. I request an investigation to validate these records. 
XXXX. Balance & Credit Limit Discrepancies : The balance reported exceeds my credit limit, which XXXX be an error. Please verify the accuracy of these amounts. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and either correct or remove any inaccurate or unverifiable information from my credit report. Please provide documentation verifying the validity of the reported details or remove the disputed items. 

I have attached a copy of my credit report with the disputed account highlighted, along with any supporting documentation I have. I expect to receive written confirmation of your findings and any corrections made to my report. 

Thank you for your prompt attention to this matter. Please respond within the XXXX timeframe as required by law. If you need further information, feel free to contact me at the provided details. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I was notified that my XXXX XXXX accounts were successfully opened. By XX/XX/year>, I deposited more than {$400000.00} into each of the XXXX accounts. According to the terms of a bonus offer, maintaining {$200000.00} in each account for 90 days would qualify me for a {$1000.00} bonus per account. 

Due to a home purchase in XX/XX/year>, I adjusted the balances in each account but ensured that both remained above {$100000.00}. Based on the offers terms, I should have qualified for at least $ {$500.00} in rewards per account. 

However, XXXX only credited {$200.00} in XXXX account and claimed my balances dropped below {$100000.00}, which is incorrect. My account records clearly show the balances never fell below {$100000.00} during the period. 

I repeatedly contacted XXXX via email, phone, and online chat to resolve this issue but received unsatisfactory responses. Despite providing proof of account balances and escalations to managers, the issue remains unresolved. The time and effort I have spent dealing with this situation have caused significant frustration. 

I am requesting immediate clarification of the bonus terms and full compensation of {$500.00} per account. Additionally, I seek compensation for the poor customer service experience caused by XXXX inaction and misinformation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
Hello my name is XXXX XXXX, Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. I will also like to remind you of the XXXX XXXX XXXX Experian Information Solutions XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. Please be sure to send me the results of this request. 
Thank you. 
Account Name XXXX Account Balance XXXX XXXX Date Opened XXXX XXXX Account Name XXXX XXXX  Account Balance XXXX $ Date Opened XX/XX/XXXX Account Name XXXX Account Balance XXXX $ Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX Account Balance XXXX $ Date Opened XX/XX/XXXX ATTACHED YOU WILL FIND A COPY OF MY LETTER, IDENTITY THEFT REPORT ALONG WITH DOCUMENTATION TO VERIFY MYSELF ACCORDING TO SECTION 605B OF THE FCRA.

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