vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXXXXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Global Lending Services LLC
State: TX

Complaint narrative:
On XXXX, I XXXX XXXX visited XXXX XXXX in XXXX XXXX, TX, and was assured she would serve as a co-borrower for her sons vehicle purchase. However, the dealership misrepresented her role, fraudulently listing her as the primary borrower without her knowledge or consent. 

The truck was in the shop for repairs twice, during which delays resulted in missed payments by the son, further harming my XXXX XXXX. 

A formal request was sent to XXXX XXXX to remove my name from the loan agreement. A return receipt confirmed the lender received this correspondence, yet no response has been provided to date. 

During a visit to the dealership on XX/XX/year>, a finance XXXX admitted to my stepdaughter that the roles were switched to make it work depending on the bank, acknowledging deliberate misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: WI

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-12-18 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: NJ

Complaint narrative:
I'm filing a complaint about the incorrect addresses " XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' and " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX '' listed on my Experian credit report. These addresses are not connected to me, which violates the Fair Credit Reporting Act ( FCRA ) that requires credit reports to be accurate. 
These mistakes are frustrating and increase the risk of identity theft. I am requesting the immediate removal of these incorrect addresses. This will help protect my financial records and prevent future issues.

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 2024-12-19 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with 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 non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Purchased a home, submitted XXXX for XXXX XXXX. XXXX was denied by XXXX  lender. Earnest money was NOT retuned. That is Fraud on behalf of XXXX XXXX  and M & T because of the good faith clause placed in the USC for this exact purpose CFR 1026.12 Special credit card provisions states clearly that if you have tried to return an item in good faith an they have refused you are liable for {$50.00}. 

This is clear that I have done the diligence to support the Regulation Z requirement, yet have not been issued the credit due by your bank. Please advise as this is a clear violation on your part, see attached where the CREDIT CARD WAS USED. Please verify and send the funds to the account immediately as it is a consumer right. Also Earnest money is defined and clearly stated as refundable due to the financing contingency.

NONE OF THIS OR THE ADVERSE ACTION IS MENTION IN ANY CORRESPONDENCE. EARNEST IS NOT TO BE USED AS EARNED MONEY, THAT IS A REGULATION Z VIOLATION ALSO.

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 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Klarna AB
State: MS

Complaint narrative:
XXXX  XXXX, theyve been emailing me multiple times and days trying to collect a debt of XXXX with Klarna.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime checking on XX/XX/year> I had my check direct deposited to my account and I paid some bills. After I paid the bills it left me with a remaining balance of {$210.00}. I got money from a friend and uploaded XXXX to my card as well that day. I transferred it back to her through chime after uploading it because I realized I didn't need it. The next day XX/XX/year> Chime closed my account and they took my remaining balance of {$210.00}. I called Chime they advised me they closed my account due to suspicious activity. I asked what suspicious activity they said they didn't have access that they would send me a statement of account and never did. On XX/XX/year> I got the email from chime stating my terms changed from deposits from {$25.00} to XXXX. It did't make sense so I called Chime again and asked for a statement and a refund of my remaining balance {$210.00} they told me I was not eligible for reimbursement and still did not send me a copy of my statement. I just want my funds returned to me because I never did any thing wrong or didn't violate any policy even with them changing the terms of deposits after the fact of the matter of my upload. The policy always read that you can upload {$1000.00} every XXXX hours and up to {$10000.00} every month into your Chime checking Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: PA

Complaint narrative:
I have been back and forth with XXXX for over a year about their account reporting on my credit report. Acct # XXXX was closed and written off for {$910.00} and sold to XXXX XXXX XXXX. I paid XXXX  and as agreed, they erased it off of my credit report, but XXXX is still reporting it as a charge off account on my credit report when legally once they sold my debt to a collections, and charged it off, they should have stopped reporting and removed this account from my report. My XXXX  account that was connected with this account is XXXX in which again I paid the debt. I verified with XXXX  that they are not reporting any longer and the debt has been satisfied. XXXX needs to take this account off of my report immediately.

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 2024-12-18 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: PA

Complaint narrative:
I have been back and forth with XXXX for over a year about their account reporting on my credit report. Acct # XXXX was closed and written off for {$910.00} and sold to XXXX XXXX XXXX. I paid XXXX  and as agreed, they erased it off of my credit report, but XXXX is still reporting it as a charge off account on my credit report when legally once they sold my debt to a collections, and charged it off, they should have stopped reporting and removed this account from my report. My XXXX  account that was connected with this account is XXXX in which again I paid the debt. I verified with XXXX  that they are not reporting any longer and the debt has been satisfied. XXXX needs to take this account off of my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: PA

Complaint narrative:
I have been back and forth with XXXX for over a year about their account reporting on my credit report. Acct # XXXX was closed and written off for {$910.00} and sold to XXXX XXXX XXXX. I paid XXXX  and as agreed, they erased it off of my credit report, but XXXX is still reporting it as a charge off account on my credit report when legally once they sold my debt to a collections, and charged it off, they should have stopped reporting and removed this account from my report. My XXXX  account that was connected with this account is XXXX in which again I paid the debt. I verified with XXXX  that they are not reporting any longer and the debt has been satisfied. XXXX needs to take this account off of my report immediately.

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 2024-12-18 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: GA

Complaint narrative:
My personal info was stolen in recent data breach.

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 2024-12-18 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-18 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willfu
l noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-18 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: CA

Complaint narrative:
I am writing to dispute the accuracy and completeness of an account listed on my credit report, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The details of the disputed account are as follows : Account Name : XXXX  Account Number : Ending in XXXX Status : Charged off as bad debt Balance : {$250.00} ( discrepancy with past due amount previously reported as {$280.00} ) Comments : Profit and Loss Write-Off Missing Information : No original creditor listed Reasons for Dispute 1 Inaccurate Balance Reporting : The reported balance is {$250.00}, yet prior information reflected a past due amount of {$280.00} without any explanation for fees, penalties, or interest. 
2. Incomplete Information : The account fails to list the original creditor, which is required under FCRA 609 ( a ) ( 1 ) to ensure credit report accuracy and transparency.

3. Verification of Debt : I request proper validation, including documentation proving the ownership of this debt, the accurate balance, and the justification for discrepancies.

4. Failure to Issue a 1099-C : If the account has been charged off and reported as a " Profit and Loss Write-Off, '' this typically constitutes a cancellation of debt. According to IRS regulations, creditors are required to issue a 1099-C form for canceled debts of {$600.00} or more. While this amount is less than {$600.00}, the status of " Profit and Loss Write-Off '' raises concerns about whether proper tax reporting occurred. I request confirmation on this matter, as failing to issue a 1099-C when required could be a violation of federal law.

Under the FCRA 611 ( a ), you are required to investigate and verify the accuracy of this information within 30 days. If the account can not be verified, it must be removed from my credit report immediately as outlined in FCRA 611 ( a ) ( 5 ). 
I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: TN

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-18 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
So for three years, I was XXXX and apparently somebody opened up two credit cards and each one of them was charged XXXX bucks pretty much and theyre these weird companies and Ive been appealing them contacting them because I didnt make these charges and theyve done nothing about it and its affecting my credit score And then I got a hold of them today and they wanted me to pay money for them to look at whats going on with the charges, they wanted me to put a card on file so they can tell me whats going on and to drop the charges so that just didnt make any sense And Ive been dealing with these two companies for like a year and disputing the charges. Ive also requested from them what kind of cards they were what was purchased where at? It was purchased in for video footage and locations and neither of them can provide me with anything. I just keep disputing it online and then it takes a month Process And then I have to redo it again and then they have robots talking to me. One is XXXX XXXX XXXX XXXX, the other is LVNV funding LLC these are the two credit card companies that apparently charges were made on and that I owe Ive never even heard of these companies before I hope somebody can help me out and get back to me as soon as possible. Thank you. Have a nice day. I call them and they want me to pay them to look up the money I apparently oh and give them a credit card which made no sense. Theres like some fraud something going on or something if I owe them money at the credit card company why cant they tell me the charges where theyre at when they were made even though I never made these charges, Im not understanding why they would need a card to look up the charges makes no sense. Both companies have said this. I have also filed a lease for disputes with each company and they investigate them for 30 days and then they just drop them off or they tell me to pay a little less money or something and Ive contacted them many times. Its affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I was just looking online at XXXX XXXX case look up and notice I have court date in the system. After run my credit report I notice this collection is on my report. I never purchase anything from a creditor by this name Midland credit XXXX

Company response to consumer: Closed with non-monetary relief