vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 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: WA

Complaint narrative:
The following charges where made on my account. On XXXX I received a text notification from Credit Karma asking if the {$100.00} was a approved charge. It was not, I responded as such. Reported my card lost/stolen. I viewed my statement and saw the other charges on XX/XX/XXXX and reported thise as well. Credit Karma still allowed the pending unauthorized charges to through, and declined my dispute. 
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 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 monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/year> Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the alleged debt in the amount of {$1700.00} which your agency, Transworld Systems Inc. , claims I owe to XXXX. Upon receipt of your collection notice dated [ received XX/XX/XXXX but dated XXXX XXXX ], I immediately began investigating the matter and have found discrepancies that need urgent resolution. 

I request that you provide me with all pertinent documentation and evidence that substantiates the validity of this debt, including but not limited to : XXXX. Copies of the original contract or agreement signed by me, establishing the purported debt with XXXX 
XXXX. Itemized statements detailing the charges allegedly incurred. 
XXXX. Proof of ownership or assignment of the debt to Transworld Systems Inc. 
XXXX. Verification of the statute of limitations for collecting this debt in my state.

5. Any communication records or logs related to this debt, including calls made, letters sent, or emails exchanged. 

In addition, I require validation of the violation codes associated with this alleged debt, as per the Fair Debt Collection Practices Act ( FDCPA ), to ensure compliance with legal requirements. 

If you are unable to provide the requested documentation within XXXX from the date of this letter, I demand that you cease all collection efforts and remove any negative reporting from my credit file. Failure to comply with this request will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau and seeking legal counsel. 

Furthermore, in accordance with the FDCPA, I am formally requesting that all communication from Transworld Systems IncXXXX regarding this debt cease immediately. Please consider this letter as a formal request for a cease and desist on all collection activities until such time as the requested documentation is provided and validated. 

Please be advised that all future correspondence regarding this matter should be in writing and sent to the address listed above. Any attempts to contact me by phone or other means will be considered a violation of my rights under the FDCPA. 

Thank you for your prompt attention to this matter. I expect a timely response and resolution. 

Sincerely, 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 2024-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Couch Lambert LLC
State: OK

Complaint narrative:
XXXX XXXX had a law office file suit on their behalf. When contacting the law office, they informed that they will not enter into a repayment plan that is not beneficial to the client who refused any repayment plan that was greater than two years. Was informed they didn't care if it would cause financial difficulties as the client was the concern. Explained that FDCPA required them to not force repayment plans that would financially hurt the debtor. They informed no, and caused account with bank to become XXXX, preventing payment to electric and other bills. Now they are calling constantly but still refusing to work in good faith on a repayment that works for myself and not cripple me. 

Probably contact XXXX XXXX about repayment but their best offer was to repay it in three months and been in good standing or repay it in 6 months to close the account. This would put payments at {$800.00} each month for the three month or {$3600.00} each month for six months. This is not viable for myself or anyone who is working below $ XXXX annually.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I was checking my credit report & noticed someone got an Amazon XXXX  Visa card with a {$10000.00} credit limit in my name. I have never received this card. It was opened in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-17 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-17 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-17 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: CA

Complaint narrative:
To whom it may concern I applied for an XXXX  loan in the fall to only XXXX company which is XXXX XXXX XXXX XXXX. I did not give consent to the dealership to use my credit for any other XXXX  loans. I recently checked my credit report and was shocked to see numerous XXXX XXXX inquiries which I have no recollection of. I am assuming that they tried using my credit to approve any auto loans that they could with my report. I also submitted an Identity Theft Report to the Identity Theft website but have yet to see any progress.

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 2024-04-17 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: CA

Complaint narrative:
To whom it may concern I applied for an auto loan in the XXXX  to only one company which is XXXX XXXX XXXX XXXXXXXX. I did not give consent to the dealership to use my credit for any other auto loans. I recently checked my credit report and was shocked to see numerous auto loan inquiries which I have no recollection of. I am assuming that they tried using my credit to approve any auto loans that they could with my report. I also submitted an Identity Theft Report to the Identity Theft website but have yet to see any progress.

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 2024-04-17 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: SettlementOne Valuation, LLC
State: CA

Complaint narrative:
CFPB, After logging on, and looking at my Credit Report I was shocked to see these Unauthorized Inquiries. Please see below Unauthorized Inquiries XXXXXXXX XXXX XXXX - XXXX Credit Technology - XXXX, XXXX, XXXX XXXX - XXXXXXXX XXXX XXXXXXXX  - XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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:
Pursuant 15 U.S.C 1681c-2 the request to block and delete the following fraudulent accounts is not made in error. Attached is my identity theft report. 

Delete and block the following fraudulent accounts XXXX XXXX Account XXXX Balance {$2400.00} open XX/XX/XXXX XXXX XXXX XXXX account XXXX balance {$2300.00} date open XX/XX/XXXX XXXX XXXX XXXX account XXXX Balance {$2400.00} date open XX/XX/XXXX XXXX XXXX XXXX account XXXX Balance {$2300.00} date open XX/XX/XXXX XXXX  XXXX XXXX XXXXXXXX date open XX/XX/XXXX balance {$1000.00}

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services requested payments on canceled insurance, attempted to probe my new insurer, and started a collection process without verifying the debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-04-17 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:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: TX

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated 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 2024-04-17 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: TX

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated 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 explanation
Consumer complaint received 2024-04-17 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-17 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-17 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 urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into 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 2024-04-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
For a lease expiring on XX/XX/XXXX, I provided a notice to vacate and not renew my lease on XX/XX/XXXX. The apartment ( XXXX XXXX XXXX XXXX, AZ ) responded the next day by saying : " Thank you for letting me know. It looks like your lease is up XX/XX/XXXX, I will put the notice in for you and you should be all good. '' They are now claiming I did not give them a notice in time and have sent me to collections with Columbia Debt Recovery/Genysis for an amount of {$2400.00}, who has placed the collections account on my credit report. I have spoken with them about the misunderstanding and asked them to remove the debt however they do not comply. 

I have offered to forward them the email as proof but they still did not listen. It is my hope that the CFPB will protect this consumer from the debt company and have them remove the debt from my credit report. I have attached the email here and can also directly forward it to anybody who would like to see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-04-17 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: WV

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-17 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: Americas Car-Mart, Inc.
State: TN

Complaint narrative:
The vehicle was repossessed by the company. The payment amount was 3 years and I only had 6 month left on the property with no interest rate on the loan. There is a incorrect accuracy on my credit report that states I owe a balance over XXXX dollars. When the value of the property is less than due to it being used property. Causing illegal practices in the company for gain. The property violated the lime law in Tennessee. It was deem hazardous on the road due to XXXX recalls. Which they refused to fix it even on contract bases. On the credit report the balance is incorrect and inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently pulled my experian credit report, and noticed an account that doesn't belong to me. Account name is ( XXXX XXXX XXXX Original company : XXXX XXXX : {$480.00} Account # XXXX Date opened : XX/XX/2019 )

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