vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: IN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXXXXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: DE

Complaint narrative:
To my shock, I discovered inaccurate accounts on my credit report today, and Im completely puzzled as to how they appeared. Checking my report is something I do regularly, but this time, I noticed discrepancies that Ive never encountered before. I even tried refreshing my browser, hoping it was a technical issue, but the errors persisted. I am requesting a thorough review of the documents Ive submitted to ensure I never face this issue 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 2024-11-18 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: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed a wrongful eviction on my credit profile due to the landlord refusing an emergency rental assistance check during XXXX crisis aftermath ( it was sent to them and they returned it ), and refusing to provide my tenant information to the emergency assistance program for me to receive more assistance. This caused my XXXX XXXX XXXX son ( at the time ), and I to be unnecessarily evicted and unable to get assistance for another home, leaving us homeless. Once the information was disputed, it was immediately removed from my credit profile. I am now in a better financial position but unable to get into a home because the wrongful eviction is still on my records and in my tenant report. The eviction occurred at the XXXX XXXX XXXX XXXX  in XXXX, Fl. I filed a complaint at that time, with the Consumer Protection in XXXX XXXX but was unable to get a resolution before the eviction was completed. I was advised to take the matter to small claims court.

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 2024-11-18 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that i had fraudulent accounts on my report. please remover these accounts from my report, they are hunting my ability to obtain credit

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 2024-11-18 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: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-18 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: CL Holdings LLC
State: IL

Complaint narrative:
I've received a debt collection letter from Jefferson Capital Acct reference number XXXX. 
I did not open or sign anything from Jefferson Capital. Jefferson Capital indicates I owe {>= $1,000,000}. I've requested any/all supporting information showing I open an account with Jefferson, This is my third request for information. 

To date, I have not received documents ( contract, receipts, contract etc ) showing I open an account with Jefferson.. I did not sign or open an account with Jefferson. I have not received any supporting documents that show I owe this account. I request that this dispute be sent to all consumer reporting agencies as a dispute. 

In addition, according to 15 USC1692C, I never gave consent to open or use my credit to open an account.. 
Your prompt attention to this matter is appreciated. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action. 

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and as a result, my personal information was used to open fraudulent accounts in my name without my authorization. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete all references to the accounts listed below from my credit report : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX  o Amount : {$2900.00} XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$41000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My account was closed due to a returned payment. I contacted CapitalOne on XX/XX/XXXX XXXX explaining the exceptional circumstance as to why my payment was returned. I was out of the country and I was unable to access my checking account that was linked to autopay and without knowing, my checking account was restricted and locked and I wasnt able to add money to the account. The moment I realized the payment was returned I immediately made a payment in an amount that I knew was in my checking account. I have had the account for over 6 years and Ive rarely had any issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: PA

Complaint narrative:
cash app has prevented me from unlocking my card and wont allow me to unlock it with my pin number they asked me for id verification of address I have had the account for four years and now they need verification of ID i send in my DL they wont unlock the card until I recieve an email back from them with no provided timeline meanwhile I need to use the funds on the card that came from my paycheck the card has been locked for 3 days, I asked to speak to a manager and they said managers only reply in emails no provided timeline for that either

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
I attempted to login to my Prosper account on the app to make an additional payment. When I accessed the first page of the app, it advised me I needed to change my password for security purposes, I clicked continue and then received a pop up WE ARE CHANGING YOUR LOGIN EMAIL TO XXXX. This email was NEVER provided to Prosper by me and has not been used in years! When I called Customer service I got the runaround, the lady kept telling me to login with my old email, the one that should be on the account, which I attempted, when I logged in, it stated " I am sorry you do not have an account with us " The rep kept telling me to log in and out over and over, with no better results. I am not able to login to my account at all, unable to make payments or even view my account, when questioned how they have an old email for me that was never provided to them, she would not even answer, I asked if my account was hacked, she then told me this is happening because of a migration, she was rude and would not fix my issue. I am still unable to access my account, I was told this would be escalated and " not to worry ''. I am trying to make a payment but I am unable to even access my account nor see any activity on this account. NO COMPANY should be able to randomly change your email to something else and then let you sit there without concern, not answer questions and brush you off.

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 2024-11-18 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: TN

Complaint narrative:
I reviewed my credit report a few months ago, and noticed that it was so many inaccuracies on my report. I reached out to each credit bureau directly after sending the additional required documents nothing was resolved. Consumer reporting agencies have assumed such a vital role and have a responsibility to report Consumer information to th best of their ability with MAXIMUM ACCURACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed. Its been well over 60 days and I need a resolution soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION
State: MN

Complaint narrative:
Automotive Credit Corp. is falsely reporting I owe them. the truck that was on the loan was totaled XXXXXXXX XXXX Paid their portion And Gap paid theirs. 
A.C.C falsely reported on my credit and owed amount and I disputed it and was found correct. Not days after they added another owed amount like I missed a payment in XXXX It seems their deliberately messing up my credit. They charged off a dollar amount then added a new amount as if I owed and missed a payment. 

They have the power to destroy Peoples credit and their doing it to me. 

I co signed for that loan for a friend because they had bad credit.

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 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
V ALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account # : XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HA VE V ALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 
Thank you for immediately cooperation. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Fraudulent Debt : XXXX XXXX Opened XX/XX/XXXX {$26000.00} My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Delete 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 2024-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Okay so I have a chime account I've had three cards already sent to me, I keep telling them someone has my direct routing number and account number there was a charge on XX/XX/XXXX I believe it was for {$70.00} they explain to me they will go ahead and do it they will go and put that money back on my card I get an email just now saying they're not going to do it I don't know what's wrong with these people when I call them on the XX/XX/XXXX I also told them about the {$9.00} someone had gotten an XXXX ride from XXXX XXXX and this is where they're located and I'm thinking it has something to do with them they never found that dispute I spoke with them today they act as though they didn't even know what I was talking about and now I get an email saying they're not going to put the {$70.00} back on my card I'm very serious with these people I see that they have all kinds of issues all kinds of complaints and they've been sued before I see this I didn't know this. My name is XXXX XXXX my email address is XXXX. my phone number is XXXX. I spoke to them also today about someone else trying to use my card I'm not sure what it was for I think they might have caught that but they're they're saying that it's my card it's not my card I just got this card 3 weeks ago it's something else going on someone has my account and routing number I do believe. I really would appreciate your help because this company is full of it and they need to be stopped. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I put in a dispute directly with the companies fraud department stating that I did not open an account them in my name. Their fraud department researched and confirmed that the account was in fact not mine and fraudulent. This determination was reached in XXXX on my behalf yet they continue to report the account as delinquent on my credit report. They claim that they cant do anything about reporting the account 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 2024-11-18 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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