vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I am filing a formal complaint against World Finance Corporation and XXXX XXXX XXXX XXXX for multiple violations under the Fair Credit Reporting Act ( FCRA ). These entities have reported inaccurate information on my credit report, failed to provide necessary documentation upon request, and engaged in status manipulation that has negatively impacted my credit score. 

XXXX. Intentional Balance Fluctuations and Inconsistent Reporting : In XX/XX/year> XXXX report, the balance was listed as {$590.00}, but it fluctuated in other reports despite no new payments or charges. This inconsistency is unexplained and unfairly affects your credit score.

2. Failure to Mark the Account as Disputed : I formally disputed the account on XX/XX/year>, and XX/XX/year>, but World Finance failed to mark the account as disputed, which is a violation of FCRA.

3. Lack of Proper Documentation : I requested the original contract, monthly statements, and a breakdown of charges and interest from World Finance. They did not provide this documentation, leaving the legitimacy of the account unverified.

4. Improper Sale and Transfer of Account : World Finance sold the account to XXXX XXXX XXXX in XX/XX/year> but continued reporting the account as a charge-off, causing further misreporting and confusion in your credit reports. 

5. Inconsistent Monthly Balances and Status Changes : account status has switched between " charge-off '' and " collection '' across different months and reports, making it unclear whether the debt was charged off or sent to collections.

6. Potential Improper Reporting by XXXX XXXX XXXX : XXXX XXXX XXXX may have been reporting the account under World Finance 's name instead of their own, which could mislead you and harm your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a account with Chase Bank and as soon as my XXXX XXXX XXXX XXXX was direct deposited in my chase account chase froze my account and let a debt collector take my whole check, which is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On Friday, XX/XX/year>, I went to a TD Bank branch to open a savings account and deposited three checks into the account. These checks totaled over XXXX. They were : Two checks of {$63000.00} each One check of {$63000.00} These were checks I received as a beneficiary of my father 's retirement account following his passing this year.

The branch location : XXXX XXXX XXXX XXXX, XXXX, NY XXXX At the time of opening the account, I requested online access and was provided with a username and password combination.

After the account was opened, I attempted to log in multiple times on XX/XX/XXXX and the following days. However, I repeatedly received an error message instructing me to contact TD Bank 's customer service at XXXX. I could not access the account or confirm the status of my funds. This is very concerning as I do not know if anyone is using my funds or where the money went. 

On XX/XX/year>, I called the number provided and spoke to two representatives. I explained the issue and emphasized the urgency of accessing my account and funds. The first representative transferred me to the fraud department. I then spoke to someone named XXXX, who told me that she could not resolve the issue remotely and instructed me to visit the branch in person.

As I am currently traveling, visiting the branch is not feasible. I need access to my funds to cover travel expenses, and I find the lack of resolution unacceptable. Despite my efforts to resolve this matter over the phone, I have not been able to gain access to my account or receive any clear explanation of the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-11-18 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:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-11-18 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:
Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please Remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In addition to these I've noticed several fraudulent hard inquiries please remove also 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 non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
Identity theft was used to take out a XXXX CASHNET USA loan in my name by an unknown party for {$1900.00} in XX/XX/XXXX and pay it via ETF to an account which is unknown to me in an out of state bank. CASHNET sold this loan to XXXX XXXX XXXX XXXX who has now placed this loan in collections and it is now on my credit report. 
CASHNET did not access my credit report to validate the loan or they would have seen my credit was locked due to identity theft in the past and did not report the lack of repayment loan on my credit report until XX/XX/XXXX. 
CASHNET paid out the loan to a bank account unknown to me and which is not in my name.

I have contacted the collection agency, CASHNET USA, Department of Commerce and Insurance and the XXXX  to report the theft. 
CASHNET claims the loan is valid. I suspect CASHNET USA employees are behind the loan and the fraud is internal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital System is reporting an alleged debt of {$320.00} to the credit bureaus. I formally disputed this debt and requested validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. They have failed to provide adequate validation, including proof of the original agreement, payment history, or documentation proving their legal right to collect.

Despite their failure to validate the debt, they continue to report this collection to the credit bureaus, which is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). This has caused harm to my credit profile.

I request the CFPB to : 1. Investigate this matter.

2. Order Jefferson Capital System to cease reporting this unverifiable debt.

3. Remove the account from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consume

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 2024-11-18 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: FL

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consume

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: WI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: IN

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information.

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections / charge off were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine.

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation.

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: HI

Complaint narrative:
Section 605B of the Fair Credit Reporting Act ( FCRA ) deals with blocking information resulting from identity theft. Specifically, it provides a mechanism for consumers to request that credit reporting agencies ( CRAs ) block information on their credit reports that resulted from identity theft. Heres an overview of its key components : Key Points of FCRA Section 605B : Request to Block Information Due to Identity Theft : If a consumer discovers that certain information on their credit report is a result of identity theft, they can submit a request to the credit reporting agency to block this fraudulent information.

Documentation Requirement : To process the request, the consumer must provide : A copy of an identity theft report, typically filed with law enforcement or a government agency.

Proof of identity, such as a Social Security number or a drivers license.

Obligations of Credit Reporting Agencies : Once the CRA receives the proper documentation, it is required to block the disputed information within XXXX business days. 
The CRA is also responsible for notifying the entities ( such as creditors ) that furnished the fraudulent information. 
Exceptions to Blocking Requirements : The CRA is not required to block information if it has substantial reason to believe that : The information is accurate. 
The information was blocked in error or due to fraud in the identity theft report itself. 
The consumer made a misrepresentation in the request to block the information. 
Notification to the Consumer : If a CRA decides not to block the information ( due to exceptions ), it must notify the consumer in a timely manner, explaining the reasons for the decision. 
This section provides consumers with important protections against identity theft by allowing them to remove fraudulent information from their credit reports, which can otherwise damage their credit scores and financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, there was a zelle transfer from my savings account for {$340.00} sent to XXXX XXXX. I did not authorize this transaction. I texted XXXX on XX/XX/XXXX asking her to return this money as we did not authorize this transaction, and never heard back. On XX/XX/XXXX I reported this transaction to the bank of america fraud department, and they opened an investigation. On XX/XX/XXXX I spoke to bank of america fraud department again, and they said they have closed my fraud case and say that the transaction happened on one of my devices so there is nothing they can do.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.

Please conduct a comprehensive investigation and update my credit report accordingly.

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 2024-11-19 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: NJ

Complaint narrative:
Im writing to address several inaccurate items on my credit report that are currently involved in pending litigation due to reporting errors. Because of the ongoing legal proceedings, these items can not be properly verified. According to 15 U.S. Code 1681i ( a ), unverifiable information must be removed from 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