vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
I have sent Mutiple letters certified to these companies complaining about inaccuracy on my credit report. I have asked for proof and reinvestigation. They have violated my rights with the FRCA. They have put late payments on my credit without permission. They also charge off this account Mutiple times, when you can on do a charge off once. Please assist. 
I am writing to formally address a serious issue regarding inaccuracies on my credit report and to notify you that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated.

I have sent multiple certified letters to your company regarding the inaccuracies on my credit report, specifically the repeated charge-offs and late payments for the account [ Account Number ] with [ Creditor Name ]. Despite my repeated requests for proof and reinvestigation, these issues have not been resolved.

Late Payments : I did not authorize the reporting of late payments, and they have been incorrectly listed on my credit report.

Charge-Off : The account has been charged off multiple times, which is a violation as a charge-off can only be reported once. 
This ongoing failure to correct the inaccuracies and provide proper documentation constitutes a violation of my rights under the FCRA. I am requesting immediate action to rectify these issues and ensure my credit report is accurate and compliant with the law. 

Please provide confirmation of the actions taken to resolve this matter. If this issue is not addressed promptly, I will consider pursuing further legal action. 

Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent Mutiple letters certified to these companies complaining about inaccuracy on my credit report. I have asked for proof and reinvestigation. They have violated my rights with the FRCA. They have put late payments on my credit without permission. They also charge off this account Mutiple times, when you can on do a charge off once. Please assist. 
I am writing to formally address a serious issue regarding inaccuracies on my credit report and to notify you that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated.

I have sent multiple certified letters to your company regarding the inaccuracies on my credit report, specifically the repeated charge-offs and late payments for the account [ Account Number ] with [ Creditor Name ]. Despite my repeated requests for proof and reinvestigation, these issues have not been resolved.

Late Payments : I did not authorize the reporting of late payments, and they have been incorrectly listed on my credit report.

Charge-Off : The account has been charged off multiple times, which is a violation as a charge-off can only be reported once. 
This ongoing failure to correct the inaccuracies and provide proper documentation constitutes a violation of my rights under the FCRA. I am requesting immediate action to rectify these issues and ensure my credit report is accurate and compliant with the law. 

Please provide confirmation of the actions taken to resolve this matter. If this issue is not addressed promptly, I will consider pursuing further legal action. 

Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-23 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Per The Family Educational Rights and Privacy Act of 1974 ( FERPA ), the school was not to provide transaction history and personally identifiable information from student 's records to any third party companies without consumer 's consent, therefore they violated this law by reporting transaction history to third party credit reporting companies without consumer 's knowledge and written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: MA

Complaint narrative:
Seeing accounts on my credit report that I never opened has been both shocking and frustrating.

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 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Deposited {$2500.00} into atm Chase claims no deposit was made Machine never printed receipt/shut down and restarted with bills in machine but not for me to grab anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-23 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards opened at CXXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards opened at 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-23 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
XXXX XXXX in XXXX XXXXXXXX is trying to illegally charge me for XXXX XXXX that is not beyond normal wear and tear for an apartment that I have vacated. This is illegal per RCW XXXX. I have asked these apartments multiple times for evidence that there was more than regular wear and tear in these units and they have refused. Instead, they sent me to Genesis Credit Collections who have placed derogatory marks on my XXXX, XXXX, and XXXX credit reports. XXXX removed the marks after I sent evidence that the debt being collected was illegitimate. However, on XXXX occasions already I have sent XXXX evidence of this debt being illegitimate and they have refused to remove the derogatory marks, saying that their internal investigation " validated '' the debt. They sent me no evidence of this validation and closed my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PAYPAL INC ( CALIFORNIA SECRETARY OF STATE NO. XXXX ) XXXX XXXX  XXXX XXXX C/O CORPORATE LEGAL DEPARTMENT XXXX XXXX CA XXXX XXXX XXXX ) XXXX PAYPAL CREDIT XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX PA XXXX ( XXXX ) XXXX I mailed Paypal was sent a Cashiers Check dated XX/XX/year>, serial no. XXXX for {$100.00}. 

I received a text message and a phone call from Paypal saying that I still owed money even though I made XX/XX/year> ( {$100.00} ) and XX/XX/year> payment ( {$110.00} ) and they charged me {$29.00}. 


I called XXXX XXXX on XX/XX/year> and they stated to me that this check has already been cashed and came in with a stamp by the merchant XXXX XXXX  - XXXX - XXXX XXXX XXXX w Absence of Payee 's Endorsement Guaranteed Posting Date XX/XX/year> On XX/XX/year>, I spoke to a XXXX XXXX representative who told me that this check matched has been matched as cashed by the serial No. XXXX and was processed for payment for {$100.00} on posting date of XX/XX/year> to the Payee ( XXXX XXXX  ). 

My speculation is that XXXX XXXX  received this payment for {$100.00} and could have posted my payment to another account. The bank says they cashed the cashiers check and did receive the money. XXXX says they didn't get the money. Meanwhile continuing to charge me late fees.

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 2024-12-23 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Kindly examine the fraudulent and suspicious items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC
State: DC

Complaint narrative:
We purchase a vehicle with the company. And we wanted to trade the vehicle. And which tried to get another loan through them, which that was not and all for that they were willing to accept so we moved and Call the company. 
To volunteer surrendering the vehicle of which we were told that they would let us know if they were going to accept that so at which point I stated. Once you receive the autograph as well as the social security numbers on the instrument, which is the application, the Automobile is technically paid for, Of which the young lady stated via conversation that we were having that, they would in fact, state that it was a real possession. I said so you're going to lie and say that it's a repossession vs a volunteer surrender, and she stated. That's what would go on the consumer report of which they have in fact, we have received an email letting us know that a repossession agency. Would be reaching out to us Regarding the pick up of the vehicle, which is not an issue of the vehicle being picked up.However, the issue is lying about a repossession and we have proof as well as they do.All payments are up to date our next payment is not due until XX/XX/year> which is next year

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to formally address an issue I have encountered with my closed accounts at Chase. I recently reached out to Chase to obtain confirmation documentation regarding the closure of these accounts, specifically to confirm that they were closed with a {$0.00} balance and to receive any records related to late payments or refunds that were applied.

Despite several attempts to contact customer service, I was informed that no confirmation paperwork could be provided, and I have been unable to obtain any proof of the account closure or the resolution of the issue. I was told that both accounts now show a {$0.00} balance, but no written confirmation has been given. 

This has created a situation where I am unable to dispute a late payment with credit bureaus or prove to potential lenders that the issue has been resolved, which is vital for my credit health. I kindly request that Chase provide written confirmation of the account closure and the {$0.00} balance.

I have made multiple efforts to resolve this matter through standard channels and now seek assistance to obtain the necessary documentation for my records

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
( Capitol One ) My credit limit was {$5000.00} ( Capitol One ) took {$3000.00} from my Credit Limit, leaving me with {$2000.00} Credit limit, which {$1700.00} of That is already spent, I only have {$300.00} to work with, this situation made my credit score decreased, I have a excellent payment history, never late, They have collected interest on my account for years, this is credit profiling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: GA

Complaint narrative:
I do not recognize this address please remove thank you XXXX XXXX XXXX XXXX ga XXXX

Company response to consumer: Closed with explanation