vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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: NJ

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-16 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-09-16 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: FL

Complaint narrative:
My credit score has dropped tremendously yet again due to this collection account which has changed ownership now twice. The original creditor is XXXX XXXXXXXX XXXX  on XX/XX/XXXX the collection was sold to XXXX XXXX XXXX in which that company violated my consumer rights and broken many FCRA laws and therefore the collection account was deleted by XXXX XXXX XXXX. The documents of that deletion is uploaded as well. Currently as of now once again my credit has gotten penalized by another debt collection agency named XXXX XXXX XXXX as of XX/XX/XXXX. XXXX XXXX XXXX was sold the same identical information from the previous debt collector. I have no contract or obligation to XXXX XXXX for this account as already been settled. Now this previous debt is currently reporting on all three credit bureaus damaging my credability. I truly believe this is illegal and a frivolous business practice of penalizing me multiple times by the same collection. I'm requesting that XXXX delete this prevously deleted account frommy credit report and cease all communication and reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
THIS DEBT IS NOT VALID. THE COMPANY REFUSES TO PROVIDE ANY PROOF OF DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: NY

Complaint narrative:
I am writing to follow up on my previous dispute regarding the unauthorized hard inquiry that remains 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 2024-09-16 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: IL

Complaint narrative:
Upon checking my credit report I have discovered a fraudulent collection account which is not mine, the account in question is XXXX XXXX XXXX, this account was opened on XX/XX/year>. Also the address XXXX XXXX XXXX, XXXX XXXX, IL XXXX is fraudulent, I have never lived at this address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services
State: AZ

Complaint narrative:
I paid off the loan on my car. I have written confirmation that the lender received the payment. When I accesssed my account online, howevr, it did not show the account as paid off. Mercedes Benz Financial Services is also still reporting the account as a current account on the credit report. I called to ask, therefore. when the account would be updated, because it is preventing me from getting a new car loan. The initial operator with whom I spoke knew nothing about payoffs. So, I asked to talk to a manager who could help me with my issue. Instead of doing that, the operator transferred me to someone who handles monthly payments. I then requested to speak with a subject matter specialist in the area of payoffs. I was told that no one was there any longer who could talk to me because it was after XXXXXXXX XXXX It was only XXXX XXXX. my time, and if the operator had not ignored my request to be put through to a specialist during the first 15 minutes of the call, it wouldn't have been after XXXX. Then, as if by magic, my call was transferred to someone who did seem to actually know something about payoffs. Unfortunately, however, he was unable to help too and put me through the paces unecessarily. Ultimately, he told me that he could get back to me by Thursday. It was Monday, and there is no reason why I should have to wait four days to hear back from someone -- someone who may not be taking care of the problem either! When pressed, he admitted that it would take 4 days because he was going on some type of work pause until then. When I protested about that, he told me that someone would call me on Wednesday. I have absolutely no idea why it takes several days for this finance company to get bck to customers, esepcially when the inaccuracy of their records is preventing a customer ( me ) from obtianing another loan. 

This is the second complaint that I have had to file against this lender in less than a week. This lender should be investigated thoroughly in my view for their gross untimelliness in resonding to borrowers ' reasonable requests for information about their loan/account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: FL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-16 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: OH

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-16 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment was made on time, but it appears that there was an internal processing delay that caused the payment to be recorded late. I have attached bank statements that confirm the payment was withdrawn from my account before the due date.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-16 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: Chime Financial Inc
State: GA

Complaint narrative:
I have Chime debit and credit card. On Tuesday XX/XX/XXXX XXXX charges were made to my account that I did not do. It was XXXX XXXX XXXX charges. I received a text message from chime asking about 2 of the transactions if it was me that made 2 out of the 3 transactions. Exact verbage : " CHIME FRAUD ALERT : Chime will NEVER CALL you for a fraud or declined transaction. Did you try to use your Chime card ending XXXX for {$120.00} at XXXX XXXX XXXX ' on XX/XX/year>? Reply Yes or NO ( XXXX ) and another message for separate transaction : " CHIME FRAUD ALERT : Chime will NEVER CALL you for a fraud or declined transaction. Did you try to use your Chime card ending XXXX for {$50.00} at XXXX XXXX XXXX ' on XX/XX/year>? Reply Yes or NO ( XXXX ) -- - I responded NO and got the following reply : The transaction was blocked and no funds have been taken from your account. If you believe your card was stolen or compromised, please disable transactions in the Chime app and request a new card from the settings screen. The third transaction was not mentioned in a text message, it was for " XXXX XXXX XXXX in the amount of {$17.00}. I immediately called chime, cancelled card, ordered new one and was assured I would receive my money back and it was denied. I spoke to another person at chime and filed a rebuttal and find out today it was denied again. The total for the 3 transactions was {$180.00}. I have filed a police report here in my town also. 
On XX/XX/XXXX my chime credit card was used for a XXXX 's order in the amount of {$48.00}. I was able to get an email from XXXX where the food was delivered and it was in XXXX, FL. I have an address it was delivered to and an IP address that was used to make this order. I live in Georgia and was working this day. This is the day I had a deputy come to my home and I filed police report about it all. This dispute is still under review ( for the {$48.00} ) and card was cancelled and a new one is on the way, but could someone please help!? I'm a hard working single mom nurse and need that money for groceries. As soon as I get everything straightened out I plan on not using Chime anymore, but I am afraid to cancel now because they probably definitely will not refund my money then. My whole paycheck goes on this card twice a month. I filed the police report through XXXX XXXX Sheriff 's Dept and the case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX {$760.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$790.00} Date opened XX/XX/XXXXXXXX XXXX XXXX  {$2000.00} Date Opened XX/XX/XXXX XXXX XXXX {$2100.00} Date Opened XX/XX/XXXX XXXX Bank {$1400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$840.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$730.00} Date Opened XX/XX/XXXXXXXX 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 2024-09-16 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: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX {$760.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$790.00} Date opened XX/XX/XXXXXXXX XXXX XXXX {$2000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$2100.00} Date Opened XX/XX/XXXX XXXX XXXX  {$1400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$840.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$730.00} Date Opened XX/XX/XXXXXXXX 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 2024-09-16 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: IL

Complaint narrative:
Hi, my name is XXXX XXXXXXXX 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 {$330.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over 10 security breaches and my info has been exposed.

I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last 10 yrs. MY RIGHTS WAS VIOLATED and not followed through. 

This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company as no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraud account. 

When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for yrs I been battling this. When I had to get the law involved, they then sold my account illegally. 

The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraud account. 

The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. 

The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. 

I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: Transform Credit Inc.
State: GA

Complaint narrative:
On XX/XX/24 there was a credit card account opened in my name with my information without my knowledge. I have a credit freeze on my credit as well as a fraud alert on my credit. I was notified by XXXX on XX/XX/24 there was a change in my credit and to check my credit file. I checked it and immediately disputed it and tried to reach out to the company to dispute it with them as well. I have sent emails as well as tried calling the number provided for the company and no one has given me any information. XXXX has updated my file and stated that the company has reached out to them and verified the account. The company has yet to reach back out to me after many attempts at emailing and calling. I have filed a police report and have continued to try and dispute it again with XXXX. XXXX is keeping the account opened since the company has said that information was accurate. This is false because the company hasnt tried to contact me back from any of my attempts to reach them. I would like this looked into further and the account closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX knowingly attempted to damage my credit report fraudulently by indicating I owed a debt that I did not owe. 

XXXX from XXXX XXXX XXXX initiated a collections attempt for a contract on which I was not an obligated payer. XXXX XXXX XXXX has violated credit practices under 807 of the Fair Debt Collections Act - False or misleading representations and 809 - Validation of debt by attempting to impugn my credit report with false and fraudulent collection attempts. 

XXXX removed this collections attempt from my credit report after dispute because XXXX couldn't produce any form of documentation that I actually owed the debt.

Company response to consumer: Closed with explanation