vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX  is reporting a charge off with acct ending in XXXX but still showing a balance that still owed of {$450.00} currently. Requesting a 1099-C that I was received or was never provided with for the charged off acct. Per XXXX the charge off was reported on XX/XX/year> and per XXXX it was reported on XX/XX/year>. More inaccuracies with reporting. Furthermore, with a charge off the company writes it off as a profit loss on their taxes and by law should be providing the consumer with a 1099-C but again I never received one. This is inaccurate reporting on my credit report and can be pursued further.

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 2024-12-29 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:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SKOCKED TO KNOW THAT I HAVE BEEN A VICTOME OF IDENITY THEFT. I FOUND NUMEROUS CLOSED COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT WAS NOT OPEN BY ME. THIS HAS BEEN HURTING ME AND MY CREDIT REPORT AS I AM IN THE PROCCES OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE ALL FRAUDULENT CLOSED ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$2200.00} ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX. XX/XX/XXXX BALANCE {$350.00} ACCOUNT NUMBER XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XX/XX/XXXX BALANCE {$2400.00} ACCOUNT NUMBER XXXX. 

I AM ALSO ATTACHING MY DRIVER LICENSE SOCIAL SECURITY IDENITY THEFT REPORT AND UTILITY BILL. 


THANK 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 2024-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: AR

Complaint narrative:
Back in XXXX I signed up for Lexington Law to fix my credit so I could buy a house XX/XX/XXXX I paid {$450.00} for the services to get started and I paid {$120.00} per month until XX/XX/XXXX. They had me writing dispute letters and my credit was not improving but they told me it would take time for my credit to go up so I asked them what was I paying for and they never gave me valid break down

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
{$830.00} of Unauthorized transfers while I was in the hospitalXX/XX/XXXX. My phone was taken and misused at that time. When I got my phone XX/XX/XXXX I reported it to Chime

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
MY ACCOUNT # XXXX Hope you straight Im writin to let you know I dispute this debt under the Fair Debt Collection Practices Act Dont need no extra proof or paperwork just wan na make sure you know I dont agree with it If you need to reach me do it by email only Monday to Friday XXXX to XXXX XXXX XXXX XXXX Any other way like callin leavin voicemails or sendin mail through USPS XXXX or XXXX is a hassle for me Thanks for understandin

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Well this had been a while as i can remember i forgot what date and year it was one of the representative i spoke to that person told me that it will cost a {$100.00} a month up to a year to clean my credit up for a whole year for 12 months i just give the all them all of my information and, at that time they will texts me in let me know what they took off in they dispute what ever what need to be done, as i can remember they said they clean my report up after 12 months. I don't know what i did with all of the emails they send me cause it had been a while in plus i had move and change my phone number. That's all i can remember if you have any questions let me know, Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: UT

Complaint narrative:
XXXX XXXX XXXX  is still reporting 2 accounts that were sold to a debt collector XXXX XXXX. 

These accounts are being reported by XXXX  XXXX and the debt collector. 

If the accounts are sold, then the old information must be removed and/or the balance updated accordingly

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 2024-12-29 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: UT

Complaint narrative:
XXXX XXXX XXXX  is still reporting 2 accounts that were sold to a debt collector XXXX XXXX. 

These accounts are being reported by XXXX  XXXX and the debt collector. 

If the accounts are sold, then the old information must be removed and/or the balance updated accordingly

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 2024-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
American Credit Acceptance has " closed '' and " written off '' XXXX  and has not sent me a form 1099-C as of XX/XX/year>. I am asking for my 1099-C or that this debt will be totally removed from my credit report with all three bureaus. This is considered fraud, I will report this to the IRS and file a lawsuit. I have sent this company a certified letter with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX  XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Late/Open Inquiries in Dispute : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
Dear Equifax Credit Bureau Executive Office, I am writing to request the removal of the account with XXXXXXXX XXXX XXXX XXXX XXXX This account and its balance do not belong to me ; they are the result of identity theft and fraud. I have disputed this matter multiple times, but the account has consistently been reinserted. I have attached the removal letter from XXXX XXXX  and have also submitted a dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding this incorrect information on my credit report. 

Equifax has repeatedly violated the allowable time frame to resolve and correct these issues. Therefore, I am requesting the immediate removal of this invalid information and prompt attention to this significant matter. All other credit bureaus have already removed this account, and I need this ongoing problem resolved as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX is a copy of the information that needs to be removed from my Equifax 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 Last reported payment information can be reviewed by clicking " FILE A DISPUTE '' to continue. 

**Payment Status** View your monthly payment status by year. Click " Historical Details '' to select a category and dispute specific information.

**Historical Details** Select a category to view and dispute specific historical payment information. 

**Lender or Creditor Contact Information*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
Dear Equifax Credit Bureau Executive Office, I am writing to request the removal of the account with XXXXXXXX XXXX XXXX XXXX XXXX. This account and its balance do not belong to me ; they are the result of identity theft and fraud. I have disputed this matter multiple times, but the account has consistently been reinserted. I have attached the removal letter from XXXX XXXX and have also submitted a dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding this incorrect information on my credit report. 

Equifax has repeatedly violated the allowable time frame to resolve and correct these issues. Therefore, I am requesting the immediate removal of this invalid information and prompt attention to this significant matter. All other credit bureaus have already removed this account, and I need this ongoing problem resolved as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX is a copy of the information that needs to be removed from my Equifax 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 XXXXXXXX  Last reported payment information can be reviewed by clicking " FILE A DISPUTE '' to continue. 

XXXX*Payment Status** View your monthly payment status by year. Click " Historical Details '' to select a category and dispute specific information.

**Historical Details** Select a category to view and dispute specific historical payment information. 

**Lender or Creditor Contact Information*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Account XXXX I paid off my car in XXXX. My loan is with XXXX XXXX XXXX  and I made my payment on the XXXX Website. XXXX sent me the title to the car. Weeks later they reversed the payoff. They have lied repeatedly as to why they reversed the payment. 
The account had sufficient funds. XXXX violated its own internal controls reversing the payments. They told me customers not allowed to pay off loans online then hung up on me. Tonight they told me its my fault because I paid from a new account. That is a lie. I have had multiple accounts with XXXX for years. Now they are reporting the payments late for a car I have paid. They want me to pay hundreds of dollars more to fix their mistake. I want XXXX to reapply my payment, refund these bogus fees and train their people and clean up my credit removing this late payment. 
Please investigate this. XXXX is doing this to other people. This is misreporting and violates internal controls

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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
Heres a letter you can use to request information from Steel River Systems , LLC regarding your account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Steel River Systems , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Validation of Account Account XXXX : unknown Dear Sir/Madam, I am writing to formally request further information and validation regarding the account referenced above. Please provide me with the following details regarding this account : 1. The full date the account was originally opened.

2. The full dates of the first and last delinquency on this account.

3. The date of the last payment made on the account.

4. The date this account was charged off, if applicable.

5. A copy of the original contract or agreement bearing my signature.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and obtain this information for verification purposes. Until you provide the requested documentation, I consider this account disputed and will not acknowledge any debt owed.

Please respond within 30 days of receiving this letter. You may mail your response to my address listed above. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

1 5 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 an account without my written instructions.

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 2024-12-29 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 : I t also states a c
onsumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
They wait late to send my money to companys while in the positive and once Im in the negative they then start to attach over draft fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-29 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: WI

Complaint narrative:
To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX, WI. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XXXX. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. 
XXXX XXXX XXXX XXXX {$2400.00} 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 2024-12-29 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: WI

Complaint narrative:
To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX, WI. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XXXX. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. 
XXXX XXXX XXXX XXXX {$2400.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: CA

Complaint narrative:
We were in the process of buying a Tesla, we agreed on the term of the lease for a specific car with a specific VIN number, they sent us the lease that is signed by them. XXXX before delivering they " voided '' that lease and told us they made a mistake and the car XXXX is not gray but XXXX and they can not honor this lease and want us to pay a lot more for that car in XXXX. They sent us a new lease which we haven't signed as we don't understand why they would change XXXX before delivery. 

We talked to XXXX XXXX & XXXX XXXX from Tesla XXXX XXXX XXXX XXXX and they told us there was a mistake on their side and they can not honor the price on the initial lease.

Company response to consumer: Closed with explanation