vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im not liable for this debt with XXXX XXXX. I dont have a contract with XXXX XXXX XXXX XXXX I reviewed my consumer report and Ive noticed in accurate account or accounts on my consumer report Im referring to this frivolous account # XXXX XXXX XXXX A consumer reporting agency have consume the vital role have a responsibility to report consumer information to the best of there ability with maximum accuracy. I have contacted EXPERIAN have ask the to reinvestigate and remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act : and this disputed item may not appear on my credit report if it can not be supported by any evidence of proof. I DEMAND THIS ACCOUNT TO BE REMOVED

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 2024-02-01 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: TX

Complaint narrative:
XXXX {$450.00} XXXX {$120.00} XXXX XXXX  {$180.00} These accounts do not belong to me. I have attempted to resolve this issue of these accounts being falsely being reported on my credit report with XXXX, XXXX, and Transunion, but the credit reporting agencies refuse to correct/update my 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 2024-02-01 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:
XXXX {$450.00} XXXX {$120.00} XXXX XXXX  {$180.00} These accounts do not belong to me. I have attempted to resolve this issue of these accounts being falsely being reported on my credit report with XXXX, Experian, and XXXX, but the credit reporting agencies refuse to correct/update my 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 2024-02-01 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: IL

Complaint narrative:
As I understand it, according to FCRA 605B, we should remove accounts that are reported wrongly on credit reports. I'm not exactly sure what happened, but please check the accounts in the documents. They're not accurate on my credit report, and it's upsetting and making me feel unwell. Can you assist?

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 2024-02-01 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: IN

Complaint narrative:
It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress. I kindly request that you prioritize this issue, thoroughly investigate the situation, and expeditiously eliminate these unauthorized accounts from my credit report. Your swift attention to and resolution of this matter are greatly valued.

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 2024-02-01 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The amount on this credit card owed was only about {$30.00}. I tried making my minimum payment but they didnt accept money coming out of my XXXX XXXX. I tried to contact them to give them a new form of payment for my minimum payment but they close my account with little to no notice charging me now the full payment of the credit card plus interest which is over {$400.00} I believe this is inaccurate and its unfair that I would have to be charged for the full payment of this card when the company was the one that closed it not me this was in XXXX that my account was closed.opened in may of XXXX 
Due to this inaccurate information, it is showing at a derogatory on my credit report. And now there is a third-party called resurgent receivables LL that is charging me for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am requesting to see my signature for this account this is not my debt I am demanding that it be removed from my credit XXXX XXXX Sams

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 2024-02-01 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: TX

Complaint narrative:
XXXX {$450.00} XXXX {$120.00} XXXX XXXX  {$180.00} These accounts do not belong to me. I have attempted to resolve this issue of these accounts being falsely being reported on my credit report with Equifax, XXXX, and XXXX, but the credit reporting agencies refuse to correct/update my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
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 Subject XXXX Dispute of Charge-Off, Down Payment, Credit Inquiries, and Removal of Hyundai Finance from Credit Reports Account number XXXX To Whom It May Concern, I am writing to dispute several issues related to my account with Hyundai Finance Company, as well as to request the removal of Hyundai Finance from XXXX and XXXX under Section 609 of the Fair Credit Reporting Act ( FCRA ). Furthermore, I request a cease and desist, and the release of vehicle titles and forfeiture of the vehicle contract. 

1. **Charge-Off and Down Payment Issue** : I am disputing the charge-off status on my account, as I believe the down payment made was done so under questionable circumstances and may have been illegal under U.S. Code 1666a. I request a thorough review of the down payment transaction and the charge-off status on my account.

2. **Credit Inquiries** : My credit was run in remedy, as stated in U.S. Code 1662 and U.S. Code 1635. I was not adequately informed of this action, nor did I authorize the credit inquiries made on my behalf. I request clarification and resolution regarding these credit inquiries. 

3. **Removal of Hyundai Finance from XXXX and XXXX : Hyundai Finance has been removed from my XXXX credit file, and I request the immediate removal of Hyundai Finance XXXX XXXX XXXX and XXXX credit reports under Section 609 of the FCRA. The inaccurate reporting negatively impacts my creditworthiness and financial standing.

4. **Cease and Desist Request** : I request that Hyundai Finance cease and desist all reporting activities related to my accounts. Please refrain from further reporting to any credit reporting agencies regarding my accounts, as it is my right to request such action under the FCRA. 

5. **Request for Vehicle Titles and Forfeiture of Vehicle Contract** : Furthermore, I request the immediate release of vehicle titles associated with my accounts held by Hyundai Finance . I hereby forfeit the vehicle contract associated with the aforementioned accounts and request that Hyundai Finance take the necessary steps to facilitate the return and transfer of ownership of the vehicle ( s ).

I expect a prompt response to this letter within the statutory timeframes outlined by the FCRA. If you require any further information or documentation, please do not hesitate to contact me at 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 explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Bank is XXXX. I informed them that an altered check ( payee washed and new name forged ) was debted to my account falsely.. 

The check was intercepted in the U.S. Mail and then the payee was changed and deposited in Chase Bank and eletronically sent to my XXXX account for transfer of funds. 
I told XXXX what happened and they alleged they contacted Chase for reimbusement. 
I have not heard back. XXXX XXXX XXXX XXXXXXXX. The check was for {$1000.00} made payable to XXXX XXXX. His name was washed out and XXXX XXXX XXXX XXXX XXXX  in in a strange handwritting and deposited in a Chase Account and sent to my bank for payment. Check was mailed on XX/XX/year> my bank paid Chase account on XXXX I noticed the descrepancy in my account in early XXXX got a copy of the check XXXX XXXX, reported it to XXXX and they made a claim to Chase which is pending?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: IN

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I first requested access to this account because I had not accessed it in many years. This was an account from highschool and I am now in my XXXX. PNC online system would not allow a password reset even after I called PNC customer service. I decided to close my account and initiated that over the phone XX/XX/XXXX. I waited the 3 business days for the address change freeze to be lifted then called them back to close the account and mail the check. They said they already mailed me the check to my new address and the account was automatically closed. Three weeks go by and I never received the check. I called them and they said the check wasn't cashed but would assign a case manager to research and get back to me. Long story short, they ended up giving the money to my mom who had gone into a local branch to consolidate her accounts and they took my money and gave it to her because her name was on my account since highschool. After two weeks of research the case manager told me it had been cashed already and gave me my moms name. PNC customer support lied about so much its unreal they are still in business because this check had been cashed in early XXXX and it took them weeks to figure this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
UPSTART ( XXXX Co ) XXXX XXXX, CA This company has reported an INCORRECT data on my Credit Reports preventing me from getting a Mortgaga Loan. A Bloody {XXXX} Charge which I never saw until after I had moved I had moved in XX/XX/XXXX and they sent the letter in XX/XX/XXXX... I pay my Monthly Obligation of {XXXX ON TIME EVERY MONTH ... .NEVER LATE!!!! 

They sent a {XXXX  Late Fee letter to an address where I was no longer residing at. This DEVILISH and Law Breaking Company NEVER contacted me via Email or Phone about this XXXX  charge ... .I only found out when I looked at my Credit Reports when I applied for a MortgageLoan .... 

This XXXX} Late Fee has RUINED my Good Credit and DROPPED XXXX Points on my FICO Scores to point where I can not get a Mortgage Loan They are not following the Fair Debt Reporting Act ... Breaking the Law with their ridiculous HIGH INTEREST RATE... RUINING people 's Excellent Credit & Lives This XXXX Company should be investigated ... They are a LOAN SHARK out there RUINING LIVES UPSTART ... .I can not get a Mortgage Loan because of this BLOODY XXXX Late Charge they '' ve STAINED my Excellent Credit with I DEMAND THAT UPSTART delete/remove this derogatory information from my report NOW Attached are some of my communication with this XXXX  Company Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Despite the settlement, XXXX is reporting a charge-off and a balance of XXXX with subsequent late payments on my credit report. XXXX Reporting Agency, Equifax Information Services, XXXX has reported debt is verified that this information is accurate and is reflected on my credit report. 
In accordance with House XXXX XXXX XXXX, all debts have been paid in full, and I believe the charge-off and late payments should not be reported on my credit file. The continued reporting of this charge-off and late payments is causing damages to my creditworthiness, and I request their removal to mitigate these adverse effects. Alternatively, I may seek damages for any harm caused. 
I kindly request that you review the details of my account and verify the payment of the said debt. If necessary, I am prepared to provide documentation supporting the settlement for less than the full balance amount. As per the regulations outlined in XXXX  XXXX, any offset debt that has been settled should not negatively impact my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Subject : Urgent : Request for Correction of Credit Report - Compliance with Federal and UCC Laws Dear Midland Credit, I trust this communication finds you well. I am writing to express profound concerns about potential violations of both federal and Uniform Commercial Code ( UCC ) laws related to my investment with XXXX XXXX Bank, the original creditor, and the subsequent actions taken by Midland Credit, a third-party debt collector. 

As an investor, I provided XXXX XXXX Bank with an asset-backed security, aligning with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681s-2. XXXX XXXX Bank, as the original creditor, is expected to furnish accurate information to credit reporting agencies. The absence of a system to verify billing statements with investors, as outlined in 15 U.S.C. 1666 ( b ), raises significant questions about the permissible purpose for reporting such information without explicit written consent or a court order. 

Regarding Midland Credit, a third-party debt collector, I want to emphasize UCC Article 9 - Secured Transactions ( 9-609 ). This section mandates that a secured party must conduct enforcement in a commercially reasonable manner. Given the discrepancies in my billing statements, it appears there might be a violation of UCC Article 9 ( 9-609 ) guidelines by Midland Credit . 

Moreover, UCC Article 9 ( 9-625 ) underscores the duty of a secured party, in this case, Midland Credit , to conduct a comprehensive investigation when an investor disputes the accuracy of information related to their account. To address concerns of security fraud, I insist on a thorough investigation into my account, including a XXXX audit. 

In the event of a XXXX audit, the auditor will have the capability to retrieve the CUSIP number associated with my security. This auditor will be able to scrutinize the financial details, including how much money XXXX XXXX Bank has generated from my security and its current valuation. 

Failure to promptly rectify these issues may result in further legal actions, including the involvement of the Internal Revenue Service ( IRS ) to ensure compliance with tax regulations. My primary objective is to resolve these matters amicably, and I firmly believe that a comprehensive and timely correction of my credit report is in the best interest of all parties involved. 

I kindly request the immediate correction of my credit report to accurately reflect a " paid as agreed, never late '' payment history, aligning with both federal laws, particularly the FCRA, and UCC Article 9 ( 9-609, 9-625 ) requirements. 

I trust that both XXXX XXXX Bank and Midland Credit will take immediate, comprehensive steps to address these concerns to avoid further legal actions and to maintain the integrity of our business relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: IL

Complaint narrative:
Remove these inquiries at the earliest, as I have no knowledge of them, and the company proceeded without obtaining my 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 2024-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: FL

Complaint narrative:
I do not recognize this charge in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: TN

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly 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