vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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.
State: NC

Complaint narrative:
hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report. As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of { {$600.00} } or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of { {$600.00} }. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations. Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.Account self lead/bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed Account charged off. {$140.00} written off. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} {$140.00} {$170.00} this are all the remarks left which has been clearly been wrote of with taxes I asking to bureaus to please enforce the law and have my reports reflect accurate information or is completely breaking the law

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 2024-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: WA

Complaint narrative:
This is my response to the closed CFPB complaint # XXXX. 

A. Account Timeline You stated that this account was active during XXXX. However, I was in XXXX for the entire duration of this period. To substantiate this, I have again attached the following documents : XXXX. My XXXX record, which shows that I was not in the U.S. from XXXX to XXXX. 
2. Copies of my U.S. visas, indicating the dates when I was and am in the U.S. 
3. The police report confirming that I was not in the U.S. from XXXX to XXXX. 
4. The identity theft report confirming that I was not in the U.S. from XXXX to XXXX. 

B. Linked Address You mentioned that this account is tied to the address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. If you review the identity theft report, you will see that this zip code " XXXX '' is explicitly flagged as fraudulent. I have never resided at this address. 

I kindly request that you thoroughly review all the attached documents and resolve this case. I have no connection to this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: MN

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

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 2024-11-24 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:
Subject : Formal Complaint : Dispute of Inaccurate Credit Report Information Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding inaccuracies on my Experian credit report, which have negatively impacted my financial opportunities. Recently, my application for an apartment at XXXX XXXX XXXX XXXX was denied due to incorrect credit information provided by Experian through Resident Verify. 

The adverse action letter states my credit score as XXXX and references delinquent accounts. However, my Experian score is XXXX, and all delinquent accounts have been paid in full. These errors remain unresolved despite my efforts to dispute them directly with Experian. 

I am requesting your assistance to address the following issues : 1. Ensure my accurate credit score of XXXX is reflected. 
2. Remove any references to delinquent or derogatory accounts that I have resolved. 
3. Confirm my credit history accurately reflects recent payment updates. 

I have attached the adverse action letter and can provide proof of payments if needed. These inaccuracies have caused significant inconvenience and harm, and I kindly request your intervention to ensure these issues are resolved promptly. 

Thank you for your assistance. 

Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 2024-11-24 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: AZ

Complaint narrative:
Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : 1. Account Name : XXXXXXXX XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX  2. Account Name : XXXX XXXX XXXX Date Listed : XXXX. XXXX, XXXX  Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the

legally mandated 30-day investigation period. Failure to comply may result in further actio
n to enforce my rights under the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB Team, I am submitting this complaint to address unreasonable APR practices and non-responsiveness from [ Issuer Name : ChaseXXXX ] regarding my repeated requests for an interest rate adjustment. These actions appear to disregard consumer rights under the Equal Credit Opportunity Act ( ECOA ) and fail to align with competitive industry standards. 

Issue Description : Excessively High APR : My current APR of [ e.g., 28.24 % for Chase or 22.99 % for XXXX ] is unreasonably high given my excellent payment history and competitive market conditions. 
For example, XXXX XXXX recently adjusted my APR to 9.99 %, recognizing my responsible credit usage and financial history. 
Non-Compliance with ECOA : Despite my multiple requests for an APR reduction, [ Issuer Name ] has refused to adjust my rate or provide a clear written explanation under the ECOA.

Lack of Transparency : Customer service representatives have failed to explain the criteria used for APR determinations, leaving me without recourse to address the issue effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: NC

Complaint narrative:
I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove thin inaccurate information as you are in violation.

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 2024-11-24 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: MS

Complaint narrative:
Equifax is not reporting items on my consumer credit report properly. I have some discharged items that are not reflected as such on my consumer report. The items in question have been discharged and paid. The account should report as paid, or payment complete but instead Equifax is reporting items as closed which is misleading to anyone who may request to access my report. That is a misrepresentation of the actual fact. Items that are reporting as closed and not discharged and paid are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And these accounts still report delinquency payment history which is deception upon the consumer. Equifax knows these things and still willingly, knowingly and intentionally harms consumers and does not protect the best interest of the consumer because they are XXXX  persons for unjust enrichment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After reviewing my copy of my credit report, I've noticed an account that was not reported accurately. My report showed a late payment that was actually paid on time. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of information contained in credit reports. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date in question XXXX  I'm requesting an investigation into the below account and update these payments to paid on time immediately. 

Thank you for your prompt action. 

XXXX XXXX XXXX Account number 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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Transunion credit reporting is reporting false and inaccurate information on my credit report regarding child support. This is fraud because under 15 U.S CODE 1681e ( b ) and 15 U.S CODE 1681i ( 5 ) this account in violation not reporting 100 % accurate. It lists the child support court as the furnisher that's forgery and misleading when the courts don't report this type of account.

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 2024-11-24 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: PA

Complaint narrative:
Hello Ive reached out to transunion about 4 times regarding these hard inquiries that werent authorized nor did I give permission to furnish this data on my credit report. I did not submit any credit applications to any company and my credit score was damaged due to these inquiries please remove asap thank you!

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 2024-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Wheels of Chicago, Inc.
State: IL

Complaint narrative:
I am filing a complaint regarding my vehicle purchase from Wheels of Chicago, which has led to serious financial harm due to predatory lending and deceptive contract practices. 

I, XXXX XXXX, purchased a XXXX XXXX from Wheels of Chicago on XX/XX/XXXXXX/XX/XXXXat an inflated price of over {$16000.00}, nearly three times the cars market value. The financing terms mean I will end up paying over {$30000.00} until XXXX, far beyond what I believe is fair. While the signing process of contracts was being conducted, the employee wouldnt let me read every document that was being signed in order to inform me of what was being agreed upon and forced me to sign everything without the knowledge of each disclosure. Below are some issues I have faced since the purchase. 

Key issues include : 1. Excessive Interest Rate : The high-interest loan terms make repayment difficult, which seems to be a predatory lending practice. 


2. Lack of Disclosure : The dealership did not fully disclose the actual cost or high interest associated with the loan, which may violate TILA. 


3. Vehicle Quality : The car has needed repairs since the first day, indicating potential misrepresentation of its condition.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several discrepancies and unauthorized accounts/information reporting to my credit report. These remarks has been detrimental to my life and credit health.

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 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
This is about Apple Card ( Goldman Sachs ). 
I noticed in the morning of a day between the XXXX and XXXX of XXXX that during that night there were some notifications of charges from an app that I do not have or recognize. They were made during the late night, I imagine that whoever did it did so I couldn't lock the card immediately. 
I called Apple Card support and they proceeded to review them. 
I received the result of their review on XX/XX/XXXX, they are not keeping those charges in my account despite clearly being fraudulent. 
I proceeded to close my account with them. 

The transactions and dispute number are : XXXX {$24.00} XXXX {$15.00} XXXX {$27.00} XXXX {$14.00} XXXX {$14.00} XXXX {$15.00} XXXX {$27.00} XXXX {$15.00} XXXX {$27.00} XXXX {$14.00} XXXX {$24.00} XXXX {$24.00} XXXX {$24.00} XXXX {$27.00} XXXX {$14.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and I noticed that my consumer privacy rights were violated. In accordance with the Fair Credit Reporting Act the list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602a. 

XXXX  XXXX XXXX 15 U.S.C 1681 section 604 A section 2 it also states : a consumer reporting agency can not furnish an account without my writing instructions. Under 15 USC 1666b as it states : 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. Please be advised that I did not give consent for any agency to report on my consumer 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 2024-11-24 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: NC

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Inaccuracies on Credit Reports Regarding XXXX XXXX  To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit reports concerning an account with XXXX XXXX  XXXX The information reported by XXXX, XXXX, and TransUnion reflects inconsistencies and misrepresentations that are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Specifically, my concerns are as follows : Misrepresentation of the Credit Limit : My credit report lists a credit limit of {$6900.00} for the XXXX XXXX account. However, this account has been charged off and is no longer active. Listing a credit limit on a charged-off account constitutes a misrepresentation, as I am unable to utilize this credit line. 
Misleading Available Credit : XXXX inaccurately reports that I have an available credit balance of - {$2300.00}. This figure is misleading and mathematically incorrect, creating confusion regarding the true status of this account. 
The reporting of a charged-off account with an active credit limit and misleading available credit figures violates my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits the use of false, misleading, or deceptive representations in connection with the collection of any debt. 

The credit reporting agencies ' failure to ensure the accuracy of the information provided to them by XXXX XXXX  and their subsequent misrepresentation of this account also violates 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Requested Resolution : I demand that the Consumer Financial Protection Bureau intervene to : Investigate the inaccuracies regarding the XXXX XXXX  account across all three credit reporting agencies. 
XXXX XXXX, XXXX, and TransUnion to correct or remove all misrepresentations related to this account, including the reported credit limit and available credit. 
Provide me with confirmation of the corrections or deletions made to my credit reports. 
I have enclosed copies of my credit reports highlighting the disputed information, as well as supporting documents demonstrating the misrepresentation. 

Please take immediate action to address these violations of my consumer rights. I look forward to your response within the 30-day timeframe mandated under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, 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