vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: IL

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MD

Complaint narrative:
I have been reviewing copies of my credit report and noticed inaccuracies that I have identified to the credit bureaus. I am requesting an investigation regarding the reporting error. It is my understanding the credit bureaus are required to investigate this account to ensure ist is reporting accurately. Please verify and provide me with an update. I am providing the account information as listed on my credit report below for your assistance. 

XXXX XXXX Acct # 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 2024-11-15 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: MD

Complaint narrative:
I have been reviewing copies of my credit report and noticed inaccuracies that I have identified to the credit bureaus. I am requesting an investigation regarding the reporting error. It is my understanding the credit bureaus are required to investigate this account to ensure ist is reporting accurately. Please verify and provide me with an update. I am providing the account information as listed on my credit report below for your assistance. 

XXXX XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: IL

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-11-15 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: IL

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-11-15 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: Source Receivables Management LLC
State: CO

Complaint narrative:
Source Receivables Management is currently reporting inaccurate information on my credit report that I am requesting be removed.

1. I do not have a debt with this company.

2. This company is reporting that I have a seriously past due account but Ive never even had an account open with them.

3. I have never been contacted by this company or given any proof of the original agreement nor Details showing the debt is valid and owed by me!!!!

According to Article 809 of the FDCPA : Debt collectors must send consumers a written notice within five days of their first communication. This notice must include : The amount of the debt.

The name of the creditor to whom the debt is owed.

A statement informing the consumer of their right to dispute the debt within 30 days. THIS WAS NOT DONE!

2. Dispute and Verification Process : If the consumer disputes the debt in writing within the 30-day period, the debt collector must cease collection efforts until they provide verification of the debt. This could include : Proof of the original agreement.

Details showing the debt is valid and owed by the consumer. THIS WAS NOT DONE!

Neither section 1 or section 2 of this article have been honored. As such I request this debt be removed IMMEDIATELY from my credit reports with each credit reporting agency including XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Ive had three Capital One credit cards for about five years two of them are {$500.00} limits. One is a {$300.00} limit. I make the minimum payment or more every month and Im still the same high balance. I keep getting it with very high interest and illegal late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: ND

Complaint narrative:
I sent a certified letter addressing ; NO parking debt XXXX, cease and desist, refuse to pay.I requested a purchase agreement, XXXX permission to release my personal medical information with my signature as validation .A copy of any and all financial records of bills and charges.I want this fraudulent collection REMOVED immediately off my consumer report.They have illegally reported a false collection .Re- aged the date, and status.The original Creditor is XXXX XXXX XXXX ( Parent ) My child is XXXX years old.theirs no way this debt is valid.

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 2024-11-15 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: ND

Complaint narrative:
I sent a certified letter addressing ; NO parking debt CFR1006.30A, cease and desist, refuse to pay.I requested a purchase agreement, HIPAA permission to release my personal medical information with my signature as validation .A copy of any and all financial records of bills and charges.I want this fraudulent collection REMOVED immediately off my consumer report.They have illegally reported a false collection .Re- aged the date, and status.The original Creditor is XXXX XXXX XXXX ( Parent ) My child is XXXX years old.theirs no way this debt is valid.

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 2024-11-15 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: OH

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC
State: IN

Complaint narrative:
My dispute is with carvana. They require a down payment in order for approval which to down payments were very very high and they vary amongst different people. So they discriminate with their down payments and their alone approval process and I could not talk to anybody in a high authority that can make any decisions and they never will return a phone call. Have tried to reach out to them many times and go nowhere with a lowest chain of command in the company who can't make any decisions. They are unfair about their down payments. The price of the vehicle was {$58000.00} and the down payment they required was for {$37000.00}. The total purchase price was {$65000.00}. I could not talk to anybody with any of authority to tell them that they were breaking the law with the 15 US code 1605 which says the finance charge is the sum of all charges. Also, they are breaking the law with the equal credit opportunity act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-11-15 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: Credit Karma, LLC
State: IN

Complaint narrative:
On XX/XX/year> I made a purchase at XXXX 's XXXX in store for XXXX. After I left the register and upon checking my checking account balance I noticed that I was being charged twice for the total of XXXX. I went to the customer service desk and told them that I was charged twice for XXXX transaction. The employees denied that they have charged me twice and said that they only show XXXX transaction on their end and they refused to return the money. I have returned the merchandise and they issued a refund for XXXX but I was charged twice for XXXX total. They did not refund the other XXXX. I have filed a dispute with Credit Karma Money that the issuer of my checking account the same day. I explained what happened and they opened a dispute on XX/XX/year>. The XXXX was reversed to my account the next day but on XX/XX/year> I received an email from Credit Karma Money that they denied my dispute saying that the reason was because I got the refund credit but the refund was for the merchandise that I returned and they only refund me for XXXX and not XXXX. XXXX 's XXXX took the reversal of XXXX back so once again I'm XXXX short. I contacted Credit Karma Money again and they reopen another dispute. On XX/XX/year> they denied my dispute again saying that I authorized the transaction which is false I only authorized XXXX transaction not XXXX. I made a return and got refunded for XXXX but I was charged for XXXX. I don't think they even do the investigation and they don't even understand the reason of my dispute. Because of this I was short on my rent money but they are careless. I need this money back to my account!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-15 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: RI

Complaint narrative:
I am writing to formally dispute these unauthorized hard inquiries that has appeared on my credit report. Upon reviewing my credit report, I noticed these hard inquiries that I did not authorize, and I believe these are result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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:
I am writing to formally request an investigation into XXXX accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections accounts from XXXX  that I do not recognize, and I have not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-11-15 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: CT

Complaint narrative:
I have about eight accounts on my report that are not mine that Ive never even heard of. Ive tried to dispute them and nothing happens. I have accounts on there that have higher balances than what they really are. I have a couple accounts for building that do not show up on the credit agencies and I also paid off aI have about eight accounts on my report that are not mine that Ive never even heard of. Ive tried to dispute them and nothing happens. I have accounts on there that have higher balances then what they really are. I have a couple accounts for building credit that do not show up on the credit agencies and I also paid off a truck loan Over six months ago and still a negative mark and Ive had 13 inquiries somehow that I never did

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 2024-11-15 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: CT

Complaint narrative:
I don't know from there to start. The situation is really hard and disappointing, because I become victim of identity theft. Scammers from California theft my Social security number and got illegal money using my name from XXXX with XXXX fraud accounts. I spoke with XXXX, I explained that all my life I had a residence in XXXX in a past I had XXXX accounts with XXXX opened in XXXX and XXXX that were connected to my real address XXXX XXXX XXXX, XXXX XXXX, XXXX, CT. I asked them how they provided the fraudulent credit under my to California addresses ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA and XXXX XXXX XXXX XXXX XXXX XXXX, CA ). They even didn't checked my public records, because I have never lived in CALIFORNIA. I also explained the situation to credit bureaus and was requested to fill FTC report for deletion of fraudulent items. Please remove all fraudulent information from my credit reports including XXXX XXXX fraud accounts, CALIFORNIA XXXX fraudulent addresses, fraudulent inquiries 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: CT

Complaint narrative:
I don't know from there to start. The situation is really hard and disappointing, because I become victim of identity theft. Scammers from California theft my Social security number and got illegal money using my name from XXXX with XXXX fraud accounts. I spoke with XXXX, I explained that all my life I had a residence in CONNECTICUT, in a past I had XXXX accounts with XXXX opened in XXXX and XXXX that were connected to my real address XXXX XXXX XXXX, XXXX XXXX, XXXX, CT. I asked them how they provided the fraudulent credit under my to California addresses ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA and XXXX XXXX XXXX XXXX XXXX XXXX, CA ). They even didn't checked my public records, because I have never lived in CALIFORNIA. I also explained the situation to credit bureaus and was requested to fill FTC report for deletion of fraudulent items. Please remove all fraudulent information from my credit reports including XXXX XXXX fraud accounts, CALIFORNIA XXXX fraudulent addresses, fraudulent inquiries XXXX XXXX XX/XX/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

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 2024-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted a dispute to you and i didn't get a response within 30 days and ya 'll are required by law to do so. Please investigates my disputes, Please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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