vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
I tried to mobile check deposit with chime. I signed my name in the back of the check and took a picture to do mobile deposit. Chime sent an email telling me to endorse the check saying " for deposit for chime only ''. I did that and sent a picture again. They sent an email saying they will not accept the check. I called customer service and they said, " the system rejected it ''. But they could provide me with no other reason. They dont even have a department that can override or do anything about it. XXXX sure many people have experienced this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is my Follow up complaints in my request dated XXXX XXXX  that I have tried to resolve the issue regarding the account in my credit report. However until now I do not received any responses about my complaints. The account is listed below : XXXX XXXX Balance : {$82000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: GA

Complaint narrative:
My credit reports across all three bureaus are different ( experian, XXXX, XXXX ). Can I please get a updated copy of my credit report from all three bureaus with all up to date and accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I paid to delete a debt with the original owner of this debt and this company still shows the debt as outstanding and is continuing to keep it on my record after already disputing through XXXX. They would not provide a to my evidence and correspondence with management at XXXX XXXX XXXX XXXX, Tx ). Ive disputed this debt before but settled with management to delete for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Dispute Letter XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX 
Account # XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being open but also as having a past due balance of {$2900.00}. 

This is a violation of the FCRA and is in violation of the requisite METRO2.

Compliant reporting standards. 
According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, or accurate.

Please immediately remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards. This account will be removed upon completion. 


The XXXX XXXX XXXX XXXX XXXX, has charged me for a third-party debt that is fraudulent and unauthorized. XXXX XXXX XXXX XXXX made fraudulent charges on my credit report. This company created a fictitious apartment ledger without a letterhead or any documentation with my name attached, stating that I rented an apartment unit from XX/XX/XXXX until XX/XX/XXXX, which is fraudulent. They proceeded to attempt to open an XXXX account in my name. My attorney contacted them in XX/XX/XXXX to ensure they corrected the issue. I turned in a 60-day notice in XX/XX/XXXX and received at least two letters from the acting landlord in XX/XX/XXXX. XXXX has since gone back and forth about the authenticity of the letters, stating they didnt want to honor the letter since their employee was terminated. XXXX also alleged they did not receive documentation from my attorney. They contradicted themselves by claiming that I lived there until XX/XX/XXXX, which is false, and did not turn in keys and had extensive damage to their apartment unit, and then they received their keys. There were no damages to the unit, and I owe no cleaning fees. In addition to the fees being unauthorized and fraudulent, the company is listed as a collection/charge-off on my credit report. They are listing the account as open, which is incorrect. The account also has late payments, which makes no sense, and a balance, which is against the FCRA laws. I never received a 1099-C. The account has no outstanding balance because I moved out and left the account in good standing, and the charges are fraud. 
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 non-monetary relief
Consumer complaint received 2024-03-20 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: MS

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX put my XXXX XXXX account into collections. They put it into collections because XXXX XXXX was in a company corporate name that wasn't personally guaranteed. This account never belonged on my credit in the first place. They took my consumer information and placed it on my credit report and that's not what shouldhavehappened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was looking at my credit report and noticed some inaccurate late payments on my credit report. I have 1 credit agency stating I was never late and another credit agency stating I was 30 days late with a payment. I paid this account as agreed. I have a 2nd credit bureau stating I was 30 days past due. I have bureau stating last updated XX/XX/XXXX and the other 2 reporting XX/XX/XXXX. There are to many inaccuracies on this account. It is hurting me in buying property and getting good interest rates. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: TN

Complaint narrative:
I was looking at my credit report and noticed some inaccurate late payments on my credit report. I have 1 credit agency stating I was never late and another credit agency stating I was 30 days late with a payment. I paid this account as agreed. I have a 2nd credit bureau stating I was 30 days past due. I have bureau stating last updated XX/XX/XXXX and the other 2 reporting XX/XX/XXXX. There are to many inaccuracies on this account. It is hurting me in buying property and getting good interest rates. Thank you, 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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Per 15 USC 1681 ( a ) accuracy and fairness of credit reporting, I am making a complaint regarding the inaccurate reporting on my credit report by XXXX XXXX XXXX, XXXX, XXXX and XXXX. There is no evidence of pure accuracy reflecting of XXXX XXXX XXXX from XXXX, XXXX and XXXX. Neither account opening dates, balance amounts or general account reporting reflect pure accuracy from all 3 credit bureaus. Correspondence was sent to XXXX XXXX XXXX regarding opting out per 15 USC 6802. XXXX XXXX XXXX account also shows on the credit report as a charge off. Per IRS Publication 4681, Charge offs on the credit report are certificates of indebtedness which become income and possibly taxable. Income can not be reported to my credit report. I am also filing a complaint on the Department of Education/Aidvantage and all 3 credit bureaus for the student loans reflecting on my credit report, per the Family Educational Rights and Privacy Act ( 5 USC 522a , 20 USC 1232g , 34 CFR 99, and Federal Trade Commission . Per 15 USC 6802-6805, I have exercised my right to opt out of reporting. Per 16 CFR 313.1 ( f ), I have exercised my continuing right to opt out of reporting. Per 15 USC 16819 ( a ) accuracy and fairness of credit reporting, I am also filing a complaint against XXXX, XXXX and XXXX for not providing pure accurate information regarding dates, balances or general consumer reporting for XXXX. Per 15 USC 1681 ( a ), I am also filing a complaint on XXXX XXXX XXXX, XXXX, XXXX and XXXX for inaccurate reporting of account. Credit Report does not reflect pure accuracy of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: CA

Complaint narrative:
Per 15 USC 1681 ( a ) accuracy and fairness of credit reporting, I am making a complaint regarding the inaccurate reporting on my credit report by XXXX XXXX XXXX, XXXX, XXXX and XXXX. There is no evidence of pure accuracy reflecting of XXXX XXXX XXXX from XXXX, XXXX and XXXX. Neither account opening dates, balance amounts or general account reporting reflect pure accuracy from all 3 credit bureaus. Correspondence was sent to XXXX XXXX XXXX regarding opting out per 15 USC 6802. XXXX XXXX XXXX account also shows on the credit report as a charge off. Per IRS Publication 4681, Charge offs on the credit report are certificates of indebtedness which become income and possibly taxable. Income can not be reported to my credit report. I am also filing a complaint on the Department of EducationXXXX and all 3 credit bureaus for the student loans reflecting on my credit report, per the Family Educational Rights and Privacy Act ( 5 USC 522a , 20 USC 1232g , 34 CFR 99, and Federal Trade Commission . Per 15 USC 6802-6805, I have exercised my right to opt out of reporting. Per 16 CFR 313.1 ( f ), I have exercised my continuing right to opt out of reporting. Per 15 USC 16819 ( a ) accuracy and fairness of credit reporting, I am also filing a complaint against XXXX, XXXX and XXXX for not providing pure accurate information regarding dates, balances or general consumer reporting for XXXX. Per 15 USC 1681 ( a ), I am also filing a complaint on Midland Credit Management, XXXX, XXXX and XXXX for inaccurate reporting of account. Credit Report does not reflect pure accuracy of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
1. I have disputed this debt on my XXXX XXXX credit report four times. It is yet to be marked as disputed. 
2. I have received daily phone calls as early as XXXX XXXX  3. I have repeatedly asked this company to validate the debt, which they have been unable to do. 
4. They can not tell me who is original creditor. 5. They wont send me the written permission they have to collect the debt and the original application with my signature on it. 
6. They wont send the payment history on the debt. Or, what the total balance is, and how they arrived at that amount. 

I have contacted an attorney who told me this : When you ask a debt collector to verify or validate a debt, or you otherwise dispute the debt, you trigger certain legal obligations ( which they must follow ). One of the most important of these obligations is to mark the debt as disputed, on your credit reports. This is required under section e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ). 
90 to 95 % of the time, debt collectors do what they're supposed to, and mark accounts as disputed. However, there are a good 5 % to 10 % of disputed accounts, which are not properly marked as such. 
If the account is not marked as disputed, you're entitled to up to {$1000.00} in damages. Independently of the {$1000.00}, the debt collector must pay your attorney 's fees. I will move forward with a lawsuit if this is not removed from my credit report permanently. I will also be collecting the several XXXX dollars at this company now owes me under the laws guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV

Complaint narrative:
as of today i have not recieve any documentation of evidence validating the existence or legitimacy of the alleged debt, therefore, THIS NOT MY ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: MOHELA
State: PR

Complaint narrative:
I haven't applied for any student loan on XXXX and I didn't authorize any change of lender of a credit line... Send me the lender 's contract with my signature!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: AZ

Complaint narrative:
I had a checking account with XXXXXXXX XXXX in XXXX. The account was closed in XX/XX/2016 with a {$0.00} balance. I began receiving notices from LJ Ross & Associates, XXXX XXXX XXXX, XXXX, MI XXXX shortly thereafter claiming I owed {$760.00}. I never had an account with this company. I have sent letters repeatedly to this company for several years with no response. This company has been harassing me for over 8 years in vio

lation of The Fair Debt Collections Practices Act. I would like to have punitive action taken against this collections company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
I am not aware of the debt! I never received written notice to access or dispute alleged debt. If Calvary Portfolio feels they have notified me with written notification properly, then I am requesting a copy of the certified mail receipt bearing my name and signature as proof of service! Furthermore Calvary Portfolio is in direct violation of 12 CFR 1006.34 ( A ) ( 1 ) ( i ) ( b ) ( 15 ) USC 1692 ( j ). If Calvary Portfolio can not produce the requested documents I would be requesting a deletion of the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2024-03-20 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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