vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
There as been a fraudulent account that was open with my SSN and was placed on my credit report which i do not have any association with, I have tried many ways to request for Validations of this debt but nothing was working, this account was sent to collections which is showing on my report and I do not have nothing to do with the account nor have association with the primary lender.According to the FCRA section 611 it is a violation to report inaccurate information on a consumer report so I am requesting that this collection should be removed. 

LVNV Funding LLC XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the veracity of an alleged eviction on record appearing on my credit and rental report. Previously, I disputed this identical account with the credit bureaus. Their reply, however, was that the account had been verified with ( Company name ). 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ), As well as ( FDCPA ) 15 U.S. Code 1692, your company has the obligation to ensure that any data reported on my credit profile is both accurate and complete. Furthermore, according to the Metro 2 format guideline developed by the XXXX XXXX XXXX XXXX, data furnishers are mandated to report complete and accurate information about each account to the credit reporting agencies. Lastly, Under the FCRA Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i-1681x et seq, information can not be verified if you do not have the authority to access, edit, or share this consumer 's account. 

Given these legal requirements, I respectfully request that you furnish any documentary evidence in your records that you believe validates the derogatory information under dispute. 

I anticipate a response to this challenge within 30 days from the date of this letter, as mandated by the FCRA. If you can not produce the requested documentation, I kindly insist on the prompt elimination of the eviction record from 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 explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
XXXX received payment for this totaled car I was only the cosigner on this car and they were supposed to have repossessed this car multiple times and remove me from it but continued to allow the owner to retain the car. XXXX deemed the car totaled and paid them and they are still saying that the information on my credit report is accurate and it is not. I am not the owner of this vehicle and simply the cosigner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I made a payment on XX/XX/year> of {$120.00} when {$110.00} was due on XX/XX/year> they took and accepted my payment of {$120.00} it was processed and then on XX/XX/year> they then tried processing a payment for {$110.00} that of course was returned due to not having the funds available. When I called to find out why this was when I had made the payment the guy said that it's because the XXXX was returned but they couldn't give me a solid reason why 1 ) they were trying to take a second payment and 2 ) why it wasn't explained that if I was to pay it earlier then it was due I'd have to cancel the payment that was due on XX/XX/XXXX. The bank is XXXX bank ( most likely spelled that wrong ) but it is the bank the issues the Amazon Store Card. I then after getting off the phone wanted to know if they have done something like this before to others and I came upon a tressure trove of negative reviews stemimg from different people who held credit cards for different stores that this bank issues. So this is certainly not the first. And by the looks they continuously do this to their credit card customers. The customer service agent was really impersonal should not be working with the public. He was rude and ignorant wasn't not understanding when I explained the issue though both me and him understand and speak perfect XXXX. In today 's day and age it is unfair for any business to be doing this sort of thing to people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
One of my problems ; This car Start giving me problems in XXXX. In XXXX I start checking my contract. My credit score at that time when my purchase was around XXXX to XXXX XXXX. I went to the Truist bank, They refused to give me any information.They told me to go back to the call dealership. I've been going back and forth from the bank to the dealership. They gave me. 
Interest rate XXXX My note is {$430.00} a month. When I did the chicken about 3 months ago? My interest rate should have been a XXXX Off the credit score I had at that time. They grade me as an interest rate XXXX and under. When I went back they say now today you got a good interest rate. Second problem ; Since I start asking questions about my interest rate And got in touch with the headquarters, I was three months late Due to sickness and it slipped my mind, it was in XX/XX/XXXX. I call them in XXXX to make a payment, They said you haven't made a payment since XXXX. I said can't be your never call me. You'll always call me when I'm 5 days late from my due date. Why I never got ta call. They say I have no number on file. I said because y'all calls me. I think this was a conspiracy against me. This took XXXX parts off my credit. The third problem ; I've been having problems with the engine when it was around XXXX miles. Now XXXX Car insurance Warranty. XXXX warranty end at XXXX I do not like driving this car a distance. It would get overheat, without the needle moving. the engine is knocking They say every week you might have to put oil in twice. They're just dragged me alone. The last time I was there I. 
Was humidinated embarrasses. They see that the engine had no oil in it. So this time it had another problemthe engine cord, They say to fixed that problem.It 's gon na cost about XXXX XXXX, I say I don't have that right now, So they let me left, with out change oil. say I refuse to get my oil changed. That was written on the paper. Why would I say that when I know this engine giving me problems. Like I said, the last time I was there a couple months ago. I was humiliated. I never want to go back there again. They did it in front of everybody. So how can you help me? Cause I want all my money back form this car. I never want to go back there again, never. Thanks for your time, but please refer me to someone. Because I need to take this to court. I never wantna go back there again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License- XXXX Address : XXXX XXXX XXXX XXXX, XXXX CA XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX XXXX Account # : XXXX Routing # XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX XXXX Account # : Inquiry Routing # : Inquiry I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: MO

Complaint narrative:
I was taken aback this morning to find incorrect accounts listed on my credit report. I usually check my credit report without issue, so XXXX shocked to see these inaccuracies suddenly appear. I tried refreshing my browser, thinking it might just be an error, but the discrepancies didnt go away. Its deeply disappointing to face this unexpected and unresolved issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions 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 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 willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: OR

Complaint narrative:
I must buy groceries online for delivery because I do not have access to transportation and live about 25 miles from a town with stores. Mastercard keeps declining my XXXX purchases stating possible fraud. XXXX has documented proof of the agency declining authorization. Meanwhile, Mastercard representatives give me conflicting stories. Direct Deposit/XXXXXXXX XXXX also gives conflicting answers about what's happening and refuses to authorize the use of any of my money. They also refuse to close the account and refund my money so I can find an alternate method of obtaining food. This might come as a surprise to Mastercard but humans need to eat to survive. Withholding food and absconding with my social security benefits seems like elder abuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: VA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records 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 2024-11-20 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: VA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records 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 explanation
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AUSSRQ Holdings, LLC
State: MD

Complaint narrative:
They call repeadly 3 or 4 times a day, i have told them on numerous occasions this is not my debt. I have asked them to stop calling as well as certified a do not contact, this is not my debt letter. They still continue to call, not mention the debt they say is mine is well over XXXX XXXX XXXX. I have attached screen shots of the multiple times a day they call, any XXXXXXXX XXXX is from them, I have had many conversations with a XXXX XXXX  and told this all as well. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
ORIGINAL XXXX SUBMITION FILED WITH CFPB # XXXX i was checking my consumer report and i saw a lot of inquires that i didn't recognize 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 explanation
Consumer complaint received 2024-11-20 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I reported the account as a fraudulent application on XX/XX/XXXX, and XX/XX/XXXX. I reported transactional fraud on XX/XX/XXXX, for charges from XXXX XXXXXXXX XXXX for {$2000.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received a balance correction and they gave me money back but marked my account late after they told me numerous times to not pay. I made a payment of {$870.00} on XX/XX/XXXX, which was sufficient to bring my account current. XX/XX/XXXX statement showed a minimum payment of {$270.00} due on XX/XX/XXXX, XXXX they tell me they were not able to locate any telephone conversations where I was advised about making payments during the time your unauthorized transactions were being investigated. asked him to pull phone calls, and they never even bothered trying to do so cause they know that the proof is on the call. They need to pull those phone calls and go back and take the time to fix the payment that they made on my report. They gave me the money back. The fraudulent charges were obviously considered fraud and I am not liable for any payments or any damages caused by fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: NY

Complaint narrative:
The company keeps readding collections to my credit report right after they are deleted for lack of proof of ownership. It was deleted by XXXX then re added by the collector within 4 days. After being deleted on other credit reports

Company response to consumer: Closed with explanation