vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding a derogatory account on my credit report that I believe is not mine. The account in question is with XXXXXXXX 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 I dispute the accuracy of this information and assert that I have no affiliation with this account. The following reasons support my dispute : 1. **Identity Theft : ** I have reason to believe that this account is a result of identity theft. I did not open or authorize this account, and I have no history of financial transactions with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

2. **Verification of Account Ownership : ** I request that XXXX XXXX provide clear and conclusive evidence verifying the ownership and validity of this account. This may include documentation such as account applications, transaction records, or signatures associated with the account. 

3. **Resolution of Dispute : ** As the reported account is not mine, I request that XXXX XXXX promptly remove this derogatory account from my credit report. Additionally, I request clarification on the circumstances surrounding the reporting of this account and any actions taken by XXXX XXXX to address the disputed information.

4. **Protection of Credit Report : ** I request immediate steps be taken to protect my credit report from further damage resulting from this fraudulent account. This includes ensuring the removal of any inaccurate or fraudulent information and preventing unauthorized access to my credit file. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address the inaccuracies in the reporting of this account. Specifically, I request the following : - Verification of the validity of the reported account and confirmation of identity theft. - Correction of any errors or inaccuracies in the reporting of the fraudulent account. - Provision of assistance and guidance on steps to take to mitigate the effects of identity theft and protect my credit. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the correction of any inaccuracies resulting from identity theft. 

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 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX issued me an IRS form 1099C that was used to file my 2023 Tax return. Per the IRS rules and instructions ( attached ), the form is to be used to cancel a debt of over {$600.00} by a financial institution. 

However, XXXX is still trying to collect the debt from me and also reported the debt as owed to all Credit Bureaus. 

XXXX must be investigated by the CFPB since they were the only financial institution that issued me an IRS from 1099C even though I owe other credit cards issued by other banks that are late and are over {$600.00}.

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 2024-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Dear XXXX, I am writing to address the egregious violations of the Fair Credit Reporting Act ( FCRA ) and my consumer rights by your organization. As a diligent consumer, I have identified several discrepancies on my credit report that require immediate attention. 

FCRA Violations : Your failure to comply with FCRA regulations, including timely response to credit disputes and freezing my account without justification, constitutes a serious breach of consumer protection laws [ 3 ].

Civil Liability : Under 15 US Code 1681 ( n ), there is civil liability for willful noncompliance with obtaining a consumer report under false pretenses or without a permissible purpose [ 5 ]. Similarly, 15 US Code 1692 ( k ) addresses civil liability under the Fair Debt Collection Practices Act ( FDCPA ), stating that debt collectors may not be held liable if they can demonstrate, by a preponderance of evidence, that any violation was unintentional [ 1 ] [ 2 ]. 

Request for Detailed Information : I demand detailed information about the items on my credit report to substantiate any claims. If XXXX can not validate these claims, they must be promptly removed or corrected to ensure the accuracy of my credit profile. 

Impact on Credit Score : The false information regarding inquiries on my credit report has resulted in a decrease in my credit score, further exacerbating the damage caused by XXXX 's negligence. 

Legal Action : In light of these violations and the harm caused, I am prepared to pursue legal action against XXXX. I seek compensation of {$1000.00} for the damages incurred due to your non-compliance with FCRA regulations and failure to uphold consumer rights. 

I expect XXXX to take immediate corrective action to rectify these issues and provide me with a comprehensive resolution. Failure to do so will leave me with no choice but to escalate this matter further. 

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 2024-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am writing to dispute the following inaccurate information on my credit report : Account Type : Collection Account Creditor Name : I C System Account Number XXXX XXXX This collection account is inaccurate because the collection agency, I C SYSTEM has violated my rights under the Fair Credit Reporting Act ( FCRA ) and its implementing regulations. Specifically : 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency failed to provide me with the required validation information within five days of my request.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given the opportunity to dispute the debt before it was reported to you.

12 CFR 1006.34 ( d ) & 15 U.S.C. 1681s-2 : The collection agency violated my rights by furnishing false information to you without providing the required disclosures.

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 2024-05-12 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:
I got 4 unknown credit inquiry s on my report 3 are from XXXX who I don't know or was I offered credit from on my report on XX/XX/XXXX XXXX XXXX and one from XXXX XXXX XX/XX/year> which I didn't make or receive a card from and I would like these deleted from 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 explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
Back in XX/XX/XXXX I was admitted to the hospital and was there till XXXX XXXX XXXXXXXX. Upon being in the hospital I lost my phone my wallet including my debit card during this time my card was used unauthorized and numerous transactions were done using my card. I didn't authorize them. Upon hearing this I notified chime about it and filed a dispute with them. Couple hours later they denied my dispute without doing a investigation. In XXXX I filed a rebuttal and provide them a doctor 's note proving i was in the hospital and once again two hours later they denied it again and didn't do a investigation. XX/XX/XXXX I filed another rebuttal this time providing a sworn statement from the person that did the transactions, and the doctors note and a police report and investigation and once again they denied it without doing a investigation. I have provided them more than enough proof to prove that I was not the one that did these transactions and they still refuse to do anything. All I want is a fair investigation and my money back. They don't do anything when I filed three rebuttals. And yet still nothing gets done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
On XX/XX/2024 I submitted a complaint with Ability Recovery Services about an alleged debt. I asked for proper verfication AND validation of alleged debt. The contract if any that they have with me on such alleged debt, purchase agreement with them and the original creditor on the alleged debt AND certified green receipt showing that i received proper notices to dispute the ALLEGED DEBT. They have not provided me with PROPER Validation Requests or with any contracts/ purchase agreements, XXXX certified green receipt. INSTEAD they continue to report the alleged debt violating my rights as a consumer and continue to Tarnish my reputation and hinder my ability to apply for more credit. They are in violation of the FDCPA and FCRA and i need all 3 consumer reporting agencies or any other agency reporting this alleged debt to immediately delete this negative information from my Consumer report. Please investigate thoroughly because they keep violating my rights and i may seek remedies per violation. ATTACHED is the file that Ability recovery Services has sent me and in the dispute is them ATTEMPTING to collect a debt again which is another violation. ( 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 2024-05-12 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have recently obtained a copy of my credit report and have noticed the following inaccurate accounts. These incorrect accounts are negatively affecting my credit rating and causing me unnecessary financial strain LVNV FUNDING : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been out of town due to health reasons and I am still out of town. I returned home for a week and picked up my mail in reference to XXXX # XXXX. It concerned a fraud, scamming incident with my bank account held on XX/XX/2022. I believe I have an idea who was involved because I was so distraught at the time, that I could not comprehend what happened. 
My neighbor XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX XXXX was the only one outside by my car when I was told to go to XXXX XXXX XXXX XXXX and go inside. I was totally controlled by these individuals who controlled my home phone, cell phone, and computers. I was told I would not get any control of anything unless I fully co-operated and in the process, my phone was totally handled by these individuals. My car battery was disconnected and though I asked the police department ( XXXX XXXX XXXX ) to go back and pull the camera where I was parked under the camera, he refused. His only response was I was not the only person to be scammed and he had been scammed before. Also, he complied as if it was a foreigner who flew to XXXX to scam only me. Since the incident, my life has not been the same. My privacy has been invaded and all of a sudden, my daughter acts as though someone is telling her about my finances and she is trying to drain me dry. I am on a fixed income for health reasons living with her and my computer/internet is no longer private. My nephew and my neighbor are very close and he was in financial distress at the time. I do not know what they were capable of and how they are still threatening my daughter to gain access to my finances. They feel they are beyond being stopped. I was surprised to receive another notice from you and health reasons plus being hospitalized is the reason I am just responding.

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 2024-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and I am writing to address a serious issue regarding a violation of my privacy rights. The original creditor, XXXX XXXXXXXX XXXX  XXXX, has sold my account to LVNV Funding LLC without my consent. This transfer of my personal information, including my Social Security number, date of birth, and address, to a third party is a clear violation of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
I spoke with national credit ajust and explained to them, I made a settlement with the original creditor which is " southern management '' and I have the proof. Southern management and I settled for XXXX. Before we settled it was on my credit but after we settled the credit bureau took it off my account ( when I provided proof of the settlement ) XXXX XXXX  then submitted a collection for the very exact apartments ( XXXX  ) so now those apartments are back on my record. I have kids and it's not right for them to submit false information, That's considered fraud, and it's going to deprive me of my freedom to live where I want, it's depriving me of 14th amendment Due process. It's not fair I make the settlement with the original creditor, which I have the bank charge proof, the document from southern management of our settlement and documents from them confirming what I owed and it gets taken off my record and then national credit duplicates the collection on the same apartment. The date I made the settlement with the original creditor for cadence apartments was XX/XX/year>. I believe XX/XX/year> is when national credit put the same apartments back on my record requesting collection

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
as of XX/XX/XXXX Experian has reported 30 days late payments on my mortgage to XXXX XXXX XXXX. Experian credit reporting has caused unfavorable actions of creditworthiness, credit standing, credit capacity, character general reputation, personal characteristics has also affected credit of insurance to be used primarily for personal, family household purposes. I have sent in disputes that have come back with the same issue of XXXX late payments after the reinvestigation of my disputes. Here are the following late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 I have no other recourse but to ask for help from Consumer Financial Protection Bureau.

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 2024-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I wish to dispute information that appears on my credit report for Account number XXXX. This account has been reported as 120 days delinquent as a result of late monthly lease payments. Upon thorough investigation on my part, this is not true. I have documented evidence in the form of bank account transactions that prove that I was not 120 days delinquent on monthly lease payments. I would like to add those documents to this complaint, however, the file is much too large to include online and would have to be mailed. The fees that are being reported are for overage charges that occurred after the lease period ended. The company did not notify me that there would be a negative credit report due to overage fees. In addition, the company continued to allow me two additional leases for 7 years and marked the account as closed. 

Due to current negative credit reporting, regardless of the closure of the account, not notifying me of the adverse credit reporting, and the payment of fees, the actions of the company has resulted in a negative effect for any future loans that I may be seeking to secure with any other 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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Self Financial Inc.
State: OH

Complaint narrative:
After carefully reviewing the document, I have identified several discrepancies that require immediate attention and correction. 

Personal Information : Incorrect Name/Address : The credit report lists the misspelling of my name as my current information. However, my correct name and address is different. The report also lists an incorrect social security number as well. 

Outdated Information : Additionally, I noticed that the report includes outdated information such as Old Addresses/Names/Phone Numbers which is no longer relevant to my current financial standing. 

Impact : These inaccuracies are not only misleading but also have a detrimental impact on my financial credibility. I am concerned that these errors may affect my ability to secure loans, mortgages, or other financial services in the future.

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681, to bring to your attention inaccuracies present in my credit report. As per the FCRA, it is my right to ensure that the information contained within my credit report is accurate and up-to-date. Section 15 USC 1681 mandates that consumer reporting agencies, such as yours, maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
After carefully reviewing the document, I have identified several discrepancies that require immediate attention and correction. 

Personal Information : Incorrect Name/Address : The credit report lists the misspelling of my name as my current information. However, my correct name and address is different. The report also lists an incorrect social security number as well. 

Outdated Information : Additionally, I noticed that the report includes outdated information such as Old Addresses/Names/Phone Numbers which is no longer relevant to my current financial standing. 

Impact : These inaccuracies are not only misleading but also have a detrimental impact on my financial credibility. I am concerned that these errors may affect my ability to secure loans, mortgages, or other financial services in the future.

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681, to bring to your attention inaccuracies present in my credit report. As per the FCRA, it is my right to ensure that the information contained within my credit report is accurate and up-to-date. Section 15 USC 1681 mandates that consumer reporting agencies, such as yours, maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have recently obtained a copy of my credit report and have noticed the following inaccurate accounts. These incorrect accounts are negatively affecting my credit rating and causing me unnecessary financial strain XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Had payment setup to be paid in advance but payment was not processed and it will not generate payment until 2 days after my bill Is due therefore generating a late fee! This is a bad practice that continues to happen and it needs to stop! Late fees need to be removed off of my account! Capital One locks customers accounts after XXXX XXXX  everyday and keeps customers from paying their bills on time. Also they hold payments and doesnt allow payments to be processed when customers submit them. Please beware of this practice.

Company response to consumer: Closed with explanation