vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: AR

Complaint narrative:
XXXX XXXX reported a XXXX XXXX credit card for {$340.00} in collections. Its since been removed bc they were unable to verify the alledged debt. All three credit reporting agencies are now showing it as a closed account. The account wasn't verified. Thats the reason it was removed from collections. Its incorrect information thats negatively effecting my credit score. Also XXXX and Equifax are reporting XXXX credit cards with over {$600.00} balances which couldn't be verified and the reason Equifax removed those accounts from my credit report. Again incorrect information effecting my score negatively. I have tried to have them removed multiple times and only XXXX removed due to not being able to verify the alledged debt. 15USC1692g 15usc1681a 15USC1666 hjr192 UCC3-302 UCC9-102 Ucc1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: AR

Complaint narrative:
XXXXXXXX XXXX reported a XXXX XXXX credit card for {$340.00} in collections. Its since been removed bc they were unable to verify the alledged debt. All three credit reporting agencies are now showing it as a closed account. The account wasn't verified. Thats the reason it was removed from collections. Its incorrect information thats negatively effecting my credit score. Also XXXX and XXXX are reporting XXXX credit cards with over {$600.00} balances which couldn't be verified and the reason XXXX removed those accounts from my credit report. Again incorrect information effecting my score negatively. I have tried to have them removed multiple times and only experian removed due to not being able to verify the alledged debt. 15USC1692g 15usc1681a 15USC1666 hjr192 UCC3-302 UCC9-102 Ucc1-308

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 2024-03-15 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: FL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely 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 2024-03-15 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: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Business Bureau
State: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding the inaccurate reporting of an account on my credit reports, which is associated with XXXX XXXX XXXX XXXX and has been managed by your organization, Medical Business Bureau. This erroneous reporting has had a detrimental impact on my credit standing and necessitates urgent attention to rectify the situation. 

Upon reviewing my credit reports, I have identified discrepancies in the reporting of the account attributed to XXXX XXXX XXXX XXXX. These inaccuracies have adversely affected my creditworthiness, warranting immediate action to correct the record. 

In light of these concerns, I hereby request a comprehensive investigation into the account in question. Additionally, I kindly ask that you provide written documentation to substantiate the validity of the reported account, including but not limited to the following : Signed contracts or agreements relating to the services provided by XXXX XXXX XXXX XXXX. 
Valid photo identification associated with the account holder. 
Detailed records of service dates outlining the nature of services rendered. 
Comprehensive documentation indicating payment dates and amounts made towards this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: NY

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 2024-03-15 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX closed my account on XX/XX/XXXX. My last payment to XXXX XXXX on that debt was XX/XX/XXXX. My credit report shows that 100 % of my payments made to that card were on time. This is the only instance of XXXX XXXX showing on my credit report with a closed account. 

Portfolio Recovery Associates , LLC opened an account citing XXXX XXXX XXXX XXXX  XXXX XXXX. As the original creditor on XX/XX/XXXX with a debt owed of {$1100.00}. I disputed this debt through a third party ( XXXX XXXX ) and requested validation of the debt. No additional contact was made and my report now just shows dispute resolution : customer disagrees. 

A ) I have no history reporting of a XXXX  XXXX closed account for this amount, nor do I recall incurring that debt. 

B ) The age of the only reporting XXXX XXXX closed account ( which does say 100 % of payments made on time ) is in excess of 7 years and should not be adversely impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rolfe & Lobello, P.A.
State: FL

Complaint narrative:
This morning I received by first class a Writ of garnishment notice. I have not heard from the attorneys office Rolfe and Lobello, from XXXX, Florida in XXXX years. This is an old debt from XXXX from XXXX XXXX XXXX. My last payment to the attorneys office was in XXXX. Ifrom XXXX, Florida in XXXX years. This is a old debt from XXXX from XXXX XXXX XXXX. My last payment to the attorneys office was in XXXX. I contacted XXXX XXXX this morning and requested to make a payment arrangement and make a paid down payment of {$3000.00} on the total amount owed of {$6900.00}. she was very rude and declined my offer. I have not heard from this company in years and it is near the statute of limitations and Im sure thats why they are threatening me and contacting my employer. I would like to resolve this situation and pay outside of the garnishment program.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/24 I went to the ATM machine located at XXXX XXXX XXXX in XXXX XXXX Tx. I requested {$220.00} but the ATM only dispensed {$100.00}. My bank, Chime Bank, still posted the transaction as {$220.00}. I called immediately to Chime and they advised me to wait until the transaction was no longer in pending status to file a dispute. The next day on XX/XX/24, I did file a Regulation E dispute with Chime bank. My dispute was promptly denied by Chime on XX/XX/24. I requested documentation from the investigation and still have not received it. At that point I knew I needed to do my own investigation. On XX/XX/24 I called the number on ATM XXXX. An XXXX representative confirmed that an error did occur in my ATM transaction. The representative sent me an email stating that as well. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX RECORD NO. XXXX WITHDRAWAL {$220.00} FROM CHECKING US DEBIT XXXX XXXX XXXX <Error Mgr> State of ( optional ) device MONEY_CASSETTE_2 I did send this information to Chime and asked for them to reopen my dispute. Which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
i needs XXXX $ back i files fruad to bank year ago still us bank refused refund me debit not my fault is the bank fault now i get debit latter please refund XXXX $ sent a check to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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 2024-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/XXXX, I saw a credit inquiry from Synchrony Bank ( PayPal ) on my XXXX account. I called Synchrony 's number and reported that I have no accounts with them, and did not know why a credit inquiry was made. They said they would take care of it, and report any activity as unauthorized. Nothing else occurred until next year in XXXX. 

In XX/XX/XXXX, I received a XXXX from PayPal Savings ( Synchrony Bank ) claiming I received {$42.00} in interest income, despite not having opened a PayPal Savings account . 

Suspicious, I called their customer support and explained that I had never opened a PayPal savings account. When I gave them my SSN, they found 4 unauthorized PayPal savings accounts opened with emails that are not mine. The phone number tied to the account was from XXXX, Florida ( I have never been there ). They froze the accounts and said they believed my identity had been stolen.

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 2024-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I on XX/XX/2024 I sent a letter to LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES, requesting a copy of the original purchase agreement, proving that they are the legal owner of an alleged debt they are reporting on my credit report. However it's now XX/XX/2024 and they have yet to honor my request nor have they produced the documents I asked for. I don't owe this company anything, nor have they validated this misleading information. The account was then sold to LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES. Please have LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES remove this account permanently where it could not be resold to another debt collector for this is hurting my chances of being approved for a home loan and causing me so much stress and inconvenience. If they refuse to do so, I will be taking legal action against them. Permanently Delete this account from my credit report! Thank you for your Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ATG Credit, LLC
State: IL

Complaint narrative:
I am writing to express my dissatisfaction and concern regarding the inaccurate reporting of an account placed on my credit reports, which appears to originate from XXXX XXXX XXXX XXXX and has been managed by your agency, XXXX XXXX XXXX. The account in question has caused significant damage to my creditworthiness and has consequently impacted my financial standing. 

Upon reviewing my credit reports, I noticed discrepancies in the reporting of the aforementioned account. It is essential to rectify these inaccuracies promptly, as they are causing serious harm to my credit profile. To address this matter effectively, I request a thorough investigation into the account and its reporting. 

Furthermore, I kindly request that you provide me with written proof of all pertinent documentation related to this account, including but not limited to : Signed contracts or agreements pertaining to the services rendered by XXXX XXXX XXXX XXXX. 
Valid photo identification associated with the account holder. 
Detailed service dates outlining the nature of services provided. 
Clear documentation of payment dates and amounts made towards this account. 
I understand the importance of adhering to proper protocols and regulations in handling such matters. Therefore, I expect your agency to conduct a comprehensive review and furnish the requested documentation within 14 days from the receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis Risk Solutions Consumer Center Attn : Consumer Disputes XXXX XXXX XXXX XXXX, GA XXXX Consumer Number : XXXX [ Date ] Dear Sir/Madam, I am writing to address a concerning matter regarding my recent review of my credit report. Upon inspection, I noticed that there is an entry indicating a bankruptcy on my profile. I am reaching out to understand the process by which this account was added to my profile, as I have no record of such an event. 

I am not currently requesting a full investigation into this matter, but rather seeking clarification on the verification process employed by LexisNexis. Understanding how this information was verified is crucial for me to assess the accuracy of my credit report. 

At this juncture, it appears that LexisNexis may be in violation of several statutes, including but not limited to 15 USC 1681Q and 18 USC 1028. I must emphasize that I have not provided written consent for the sharing or reporting of this particular information. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I hereby formally request that LexisNexis deletes this erroneous account from my profile within 10 days of receipt of this letter. 

Please be advised that I am putting LexisNexis on notice regarding the unauthorized inclusion of this bankruptcy entry on my credit report. 

Thank you for your prompt attention to this matter. I expect a timely response regarding the actions taken to rectify this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-03-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-03-15 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 2024-03-15 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: NY

Complaint narrative:
I received a copy of my most recent credit report and there is an inquiry from a company XXXX XXXX dated XX/XX/22. I did not initiate, request and/or conduct any business with this 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 2024-03-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have a 'digital " prepaid American Express gift card.

I have tried several large 'online ' merchants to use the card but consistently. 

AMEX states on their website, it can be used " anywhere '' which is factually, 100 % wrong. 

Merchants, for example, XXXX, do NOT work with this card. 

I am requesting the dollar value of the card either in a check or via XXXX.

Company response to consumer: Closed with monetary relief