vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This isnt my account it has been reporting to this specific credit bureau and its not reporting on the others. I have a police report on file and it should have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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:
XXXX XXXX XXXX XXXX XX/XX/year> This isnt my account it has been reporting to this specific credit bureau and its not reporting on the others. I have a police report on file and it should have been 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 2024-07-21 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: CBC Companies, Inc.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: PA

Complaint narrative:
GOT EMAIL NOCTICE FROM XXXX AND XXXX OF INQUIRY I DID NOT AUTHERIZE OR HAVE KNOWLEGE OF ON XX/XX/202XXXX XXXX XXXX XXXX XXXX  ON XX/XX/2024 XXXX XXXX ON XX/XX/2024 XXXX XXXX XXXX XXXX ON XX/XX/2024 XXXX FROM XXXX ON XX/XX/2024 XXXX FROM XXXX ON XX/XX/2024 XXXX FROM XXXX XXXX XXXX  I DID NOT APPROVE THE ABOVE INQUIRIES THIS IS FRUAD

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: PA

Complaint narrative:
GOT EMAIL NOCTICE FROM XXXX AND EXPERIAN OF INQUIRY I DID NOT AUTHERIZE OR HAVE KNOWLEGE OF ON XX/XX/2024 XXXX XXXX XXXX XXXX ON XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN FROM XXXX ON XX/XX/2024 EXPERIAN FROM XXXX ON XX/XX/2024 EXPERIAN FROM XXXX XXXX XXXX  I DID NOT APPROVE THE ABOVE INQUIRIES THIS IS FRUAD

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 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
LVNV FUNDING LLC Subject : Notice of Violation of Rights under FDCPA Dear LVNV FUNDING LLC, I am unaware of this debt. I did not have an opportunity to dispute this information.

Per my records, your agency has violated my federal rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 U.S.C. 1692g ( a ) ). According to the FDCPA, debt collectors are required to provide a validation notice to the consumer within five days of the initial communication regarding the collection of any debt.

If in fact you believe you gave me proper notification, then please send me the certified receipt with my name on it. Otherwise, I request that this account be immediately removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX Revolving account with account XXXX XXXX opened on XX/XX/year> and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX Revolving account with account XXXX XXXX opened on XX/XX/year> and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.

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 2024-07-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally dispute an inaccurate late payment entry on my credit report. 
The account in question is with JPMCB Auto, account number XXXX, which is incorrectly reporting a 30-day late payment in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am trying to close a Citi account. I have been given the run around for an hour and when they said they couldn't close the account they gave me another card. I feel this is quite illegal. I spoke with XXXX and many others. I was transferred to customer care and still nothing. There was one run around after another. I can not cancel this card. Please contact Citi because this seems highly illegal

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 monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed that there was a late payment on my credit report that was 30 days late in which I never meant for that payment to escalate to that point, I have been unemployed for quite sometime, I have been homeless without a car, a place to live, nor food to eat and I have asked for help in any way that I could without success. I have explained in the late payment letter that I would not be able to get a place, a job, nor car if this Goodwill Courtesy is NOT granted and I have knowledge about how credit reporting works as I worked in the line of business previously. However, I have NEVER paid late, my income has been under the table having done odd jobs for people and I do not have a W-2 as the amounts vary from time to time. I am asking this as a one-time courtesy as I plan to pay on-time and I am hoping to have steady income soon. I have been on my own since I was XXXX XXXX XXXX, I have been in and out of various group homes, etc. I have been evicted from my home and had my vehicle repossessed due to lack of income. I am asking that this late payment be removed from the attached credit report and also removed from the other two as well ( If it has not been already reported. I have not had steady employment since XX/XX/year> and I have been trying to find a job. The only income I receive is food stamps and that barely gets me through. I have been denied unemployment benefits, no help from anyone and all of the resources I contacted require me to have employment as the help would only be temporary.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed that there was a late payment on my credit report that was 30 days late in which I never meant for that payment to escalate to that point, I have been unemployed for quite sometime, I have been homeless without a car, a place to live, nor food to eat and I have asked for help in any way that I could without success. I have explained in the late payment letter that I would not be able to get a place, a job, nor car if this Goodwill Courtesy is NOT granted and I have knowledge about how credit reporting works as I worked in the line of business previously. However, I have NEVER paid late, my income has been under the table having done odd jobs for people and I do not have a W-2 as the amounts vary from time to time. I am asking this as a one-time courtesy as I plan to pay on-time and I am hoping to have steady income soon. I have been on my own since I was XXXX XXXX XXXX, I have been in and out of various group homes, etc. I have been evicted from my home and had my vehicle repossessed due to lack of income. I am asking that this late payment be removed from the attached credit report and also removed from the other two as well ( If it has not been already reported. I have not had steady employment since XX/XX/year> and I have been trying to find a job. The only income I receive is food stamps and that barely gets me through. I have been denied unemployment benefits, no help from anyone and all of the resources I contacted require me to have employment as the help would only be temporary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: FL

Complaint narrative:
I noticed that there was a late payment on my credit report that was 30 days late in which I never meant for that payment to escalate to that point, I have been unemployed for quite sometime, I have been homeless without a car, a place to live, nor food to eat and I have asked for help in any way that I could without success. I have explained in the late payment letter that I would not be able to get a place, a job, nor car if this Goodwill Courtesy is NOT granted and I have knowledge about how credit reporting works as I worked in the line of business previously. However, I have NEVER paid late, my income has been under the table having done odd jobs for people and I do not have a W-2 as the amounts vary from time to time. I am asking this as a one-time courtesy as I plan to pay on-time and I am hoping to have steady income soon. I have been on my own since I was XXXX XXXX XXXX, I have been in and out of various group homes, etc. I have been evicted from my home and had my vehicle repossessed due to lack of income. I am asking that this late payment be removed from the attached credit report and also removed from the other two as well ( If it has not been already reported. I have not had steady employment since XX/XX/year> and I have been trying to find a job. The only income I receive is food stamps and that barely gets me through. I have been denied unemployment benefits, no help from anyone and all of the resources I contacted require me to have employment as the help would only be temporary.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX account with account # XXXX opened on XX/XX/year> and a balance of {$970.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX account with account # XXXX opened on XX/XX/2014 and a balance of {$970.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Account numbers dont match across all three bureaus. All information being reported needs to be updated and accurate. Shows i have a 90 day late payment and I was never late. No 30 or 60 day late payment shown just a 90 day so thats not accurate. I cant be up to date the month prior and then all of a sudden Im 90 days late. This account needs to be corrected, updated, or deleted. A lot of information went without being reported, yet account shows its last reporting date as of XX/XX/2024. All this information is being reported on my credit reports and I have this information through myfico.com. My student loan site is not reporting any late payments but my credit report is.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Account numbers dont match across all three bureaus. All information being reported needs to be updated and accurate. Shows i have a 90 day late payment and I was never late. No 30 or 60 day late payment shown just a 90 day so thats not accurate. I cant be up to date the month prior and then all of a sudden Im 90 days late. This account needs to be corrected, updated, or deleted. A lot of information went without being reported, yet account shows its last reporting date as of XX/XX/year>. All this information is being reported on my credit reports and I have this information through myfico.com. My student loan site is not reporting any late payments but my credit report is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I called Equifax the other day and I told them that I could not see my credit score and I asked why was it blank because I had applied for credit and got denied since the creditor could not see my Equifax score. They could not give me an answer which leads me to believe that they are doing this on purpose. I demand that they allow me to see my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Collection account from XXXX XXXX with account # XXXX and a balance of {$580.00}. The original creditor is XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.

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 2024-07-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent a dispute to Experian and XXXX regarding an account that is on my report. I stated that I never received ANY written notice that they were going to furnish negative information on my consumer report neither prior to or 30 days after furnishing. In that dispute I requested that they conduct an investigation and request proof from the furnisher that they provided me with such notice. It has been 2 months since I mailed it out and I have not yet received a response from these agencies. I demand that they delete this information immediately.

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 2024-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank took home equity out without my permission. I was writing check on due date. XX/XX/XXXX they received two payments wont stop taking automatically and wont use extra payment toward different month. XXXX and home equity loan in deceased husbands name. I was told I dont have to pay home equity because in his name. I paid house off recently in XX/XX/XXXX. Paid for name on deed in XXXX XXXX XXXX passed away in XX/XX/XXXX. Even though I paid for deed and had durable power of attorney told my lawyer by message that husband passed deed was signed XX/XX/XXXX so waste of paying lawyer. The holidays messed up the deed happening and lawyer took too long. If I dont have to pay home equity I dont want to. Only XXXX no social security cant find out if his evil daughter took his life insurance. As a wife I need pension have to wait until XXXX. I took care of spouse for 3 years front XXXX  XXXX. I never got paid law wont. {$400000.00}. Literally XXXX hours a day. He was my husband best friend wish he protected me. I thought he had will he said he did. He told me and his mean family he wanted me to have the house. I need advice and help for free lawyer free food. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation