vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings
State: TX

Complaint narrative:
There was an apartment placed in my name. Information was stolen and I was unaware until it popped on my credit. There is a huge balance of {$16000.00} reported on XX/XX/year> from XXXX XXXX. The collection company is IQ DATA INTERNATIONAL IN

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: TX

Complaint narrative:
The following Accounts were paid in full in Accordance with 26 CFR 1.6050P-1 by creditors policy 's so please update to paid in full and balance of {$0.00} as shown by such filed 1099-C : XXXX XXXX XXXX XXXX account numbers XXXX XXXX XXXX  XXXX XXXX account number XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recently pulled my consumer report and saw items listed on my consumer report that I did not authorize. I sent a letter to Experian to have the items fixed on XX/XX/year> and have not received any response. Not only do any errors or omissions negatively affect me as a customer, but they also cast doubt on the reliability and efficacy of credit reporting in general. The importance and urgency of addressing this matter are highlighted by the larger context. 

Credit reporting provides guidance for many financial decisions and paths when completed honestly and ethically. However, when tainted by errors, it turns into a maze that ensnares gullible people. My request for correction is therefore an appeal to maintain the greatest levels of precision, justice, and professionalism rather than merely a simple resolution. I look forward to hearing from you in detail. 

I'm challenging inaccurate personal information listed below. 
The information about my name is not reported accurately. 
My current address is not listed accurately.

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 2024-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
A letter was sent to XXXX XXXX XXXX, informing them to send a purchase agreement and debt validation document. This company is a debt collector and they did not provide any of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I observed inaccuracies in the listed accounts that need to be reported and corrected by your company.

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 2024-05-02 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
The below listed collection companies can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of these accounts inaccurate. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of these account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX nor from Portfolio Recov Assoc for the cancelled debts in order to file as ordinary income. Where is my 1099-C from these collectors? Where are any copies of the IRS forms they were required to submit? They are clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than {$600.00} ( but also for any amount ). This is unsatisfactory at best and CRIMINAL at worst.

The below noted " collectors '' have been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information and I am ordering them to REMOVE these reports from the three credit agencies : XXXX, XXXX and XXXX. 

CHARGED OFF ACCOUNTS REPORTING : XXXX XXXX XXXX Balance {$620.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX Balance {$670.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX Balance {$550.00} Balance updated XXXX XXXX, XXXX  PORTFOLIO RECOV ASSOC Balance {$450.00} Balance updated XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
The below listed collection companies can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of these accounts inaccurate. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of these account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX LVNV Funding, LLC nor from Portfolio Recov Assoc for the cancelled debts in order to file as ordinary income. Where is my 1099-C from these collectors? Where are any copies of the IRS forms they were required to submit? They are clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than {$600.00} ( but also for any amount ). This is unsatisfactory at best and CRIMINAL at worst.

The below noted " collectors '' have been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information and I am ordering them to REMOVE these reports from the three credit agencies : XXXX, XXXX and XXXX. 

CHARGED OFF ACCOUNTS REPORTING : XXXX XXXX XXXX Balance {$620.00} Balance updated XXXX XXXX, XXXX  LVNV FUNDING LLC Balance {$670.00} Balance updated XXXX XXXX, XXXX  LVNV FUNDING LLC Balance {$550.00} Balance updated XXXX XXXX, 2024 PORTFOLIO RECOV ASSOC Balance {$450.00} Balance updated XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: TX

Complaint narrative:
The following Accounts were paid in full in Accordance with 26 CFR 1.6050P-1 by creditors policy 's so please update to paid in full and balance of {$0.00} as shown by such filed 1099-C : XXXX XXXX XXXX XXXX account numbers XXXX XXXX XXXX  XXXX XXXX account number 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 2024-05-03 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: TX

Complaint narrative:
The following Accounts were paid in full in Accordance with 26 CFR 1.6050P-1 by creditors policy 's so please update to paid in full and balance of {$0.00} as shown by such filed 1099-C : XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  XXXX XXXX account XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Attempts were made to open accounts with my information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: GA

Complaint narrative:
Someone has access to my personal information and has tried to open several loans in my name! Majority of the inquiries are shown to have taken place of XXXX. There are also hard inquires that I do not recognize prior to XX/XX/year>. I have listed all inquiries on my identity theft report. I have not applied for any type of loan nor tried to purchase any vehicle anywhere nor do I need another vehicle at the moment. I am needing the inquiries removed as they do not belong to me and have affected my credit score tremendously. I have filed an identity theft report as advised to do so and I will be adding a security freeze and fraud alert to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase just close my account for no obvious reasons because I asked them they said its in the contract we can close your account whenever they please. I said okay find when can I receive my remaining balance they didnt give me a date. They kept giving me the run around told me I can walk in the bank to withdraw my funds. I try that they told me I got to wait to the account fully close to withdraw the funds which dont make no sense whats so ever. I call them they said I just got ta wait for my check in the mail. And I been waiting since

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony bank closed my Lowes credit card without cause. I have made all payments on time and never missed a payment. Then they recently ( within the last 6 months ) issued me a brand new rewards credit card that was set to expire XX/XX/2032, but recently closed account without warning. They also listed the reason fraudulently on my credit report as a charge and that is incorrect. Synchrony Bank has been doing this across the board to consumers, while capitalizing on brick and mortar stores, giving consumers credit, and then abruptly closing consumers accounts who have been great customers paying their bills on time. This also hurts the stores, because they lose tons of business from good paying customers who pay their bills.

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 2024-05-03 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: LA

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-05-03 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: TX

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 non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with non-monetary relief