vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-17 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:
Experian Information Solutions XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Account Reporting Violations - Account Number : XXXX To Whom It May Concern, I am writing to dispute the information reported on my credit report regarding the account with account number XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason.

It has come to my attention that Experian has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation. 

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX. Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations. 

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that Experian will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA. 


I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at Phone Number XXXX or XXXX if you require any further information or clarification.

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 2023-09-17 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: U.S. BANCORP
State: CA

Complaint narrative:
I purchased a {$100.00} XXXX Debit card issued by U.S. Bank National Association from XXXX XXXX XXXX on XX/XX/2023 pursuant to a license from XXXX USA for a gift. As soon as my mom tried to use it, it did not work. I called the number on the card, and the agent indicated that they de-activated the card AFTER I purchased it since their records showed someone else had tried to check the balance of those numbers in XXXX before I ever touched the card as it was in a rack in the store at that time and I was not there. Apparently thieves take large card numbers and keep checking them to see if they have been activated so that they can drain them after someone else purchases them, while the purchaser doesn't know they have the number. The agent at US Bank National Association they said all I could do was send my driver 's license and pictures of the card to a fax number XXXX XXXX XXXX. I asked to verify that fax number or if there was an email or if I could speak to a supervisor, but the two agents did not accommodate the request. I XXXX  that number, and many cases said that it was a scam. People have reported that the bank does that to get your personal information, and many people send that information and never get a new activated card. I have case numbers from my two calls to USB if needed. I asked if there was an email that I could send to verify that my information would be secure, and they said no. I really want my {$100.00} back! I called XXXX where I purchased it also, and they directed me back to the bank phone number on the card so I called the second time for the second case number that I can provide. If they can see that the card has been de-activated and no money has been used, why can't I just send them the card back with my mailing information or receive a digital card. Why do they need my government ID with no proof that they will protect my information? This is not my fault! I did nothing wrong. This should not be allowed as it has happened to many people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 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: NY

Complaint narrative:
i am a victim of identity theft. the information below, which appears on my credit report, does not relate to any transaction that I have made. it is the result of identity theft. 
please block this inf from my credit report as soon as possible, pursuant to section 605b of the fair credit reporting act, and send the required notifications to all furnisher of this 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 2023-09-17 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: NY

Complaint narrative:
i am a victim of identity theft. the information below, which appears on my credit report, does not relate to any transaction that I have made. it is the result of identity theft. 
please block this inf from my credit report as soon as possible, pursuant to section 605b of the fair credit reporting act, and send the required notifications to all furnisher of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: NY

Complaint narrative:
i am a victim of identity theft. the information below, which appears on my credit report, does not relate to any transaction that I have made. it is the result of identity theft. 
please block this inf from my credit report as soon as possible, pursuant to section 605b of the fair credit reporting act, and send the required notifications to all furnisher of this 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 2023-09-17 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: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : REMOVE UNAUTHORIZED INQUIRIES Dear Equifax, After recently reviewing my credit report, I noticed an unauthorized credit inquiry. I did NOT authorize the following inquiry listed below. This was not obtained with my consent and appear to be results of identity theft. Please delete immediately. 

XXXX XXXX Requested On XX/XX/XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 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: GA

Complaint narrative:
I have been trying to get TransUnion, XXXX and XXXX to remove a FRAUDULENT account and the address associated with said account for over a year. My address is not and has never been XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and I would like that address removed from my credit report immediately and permanently. 

There is a XXXX XXXX XXXX XXXX account that is in a charge off status on my credit report that i have been challenging for years that is FRAUD. I would like that account deleted immediately. There was another XXXX XXXX XXXX XXXX account that was fraudulent, that was removed as a result of my dispute yet this one remains. How can one account that was open at the exact same time be fraudulent and removed but not the other? There are also several inconsistencies in the reporting of this fraudulent account across the three bureaus which further supports that this account is unverified and should be removed.

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 2023-09-17 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: GA

Complaint narrative:
I have been trying to get XXXX, XXXX and Equifax to remove a FRAUDULENT account and the address associated with said account for over a year. My address is not and has never been XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and I would like that address removed from my credit report immediately and permanently. 

There is a XXXX XXXX XXXX XXXX account that is in a charge off status on my credit report that i have been challenging for years that is FRAUD. I would like that account deleted immediately. There was another XXXX XXXX XXXX XXXX account that was fraudulent, that was removed as a result of my dispute yet this one remains. How can one account that was open at the exact same time be fraudulent and removed but not the other? There are also several inconsistencies in the reporting of this fraudulent account across the three bureaus which further supports that this account is unverified and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: PA

Complaint narrative:
My Identity was stolen several times in the past XXXX  years from Data Breeches with Equifax, XXXX XXXX, Etc Etc. And stolen ... from all these data breeches hard to tell how many people have all my info to open up anything they want from Highest Security to Lowest. And this is very dangerous. I kept getting all kinds of bills and inquiries... it's crazy cell phones, credit cards, water bills, Heating bills, gas, checking accounts... EVERYTHING. 

Im trying to buy a home here soon and I can not buy. Pack of XXXXXXXX XXXX gum on credit it's so bad...? I have no idea what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: OH

Complaint narrative:
XXXX XXXX {$490.00} is the remaining balance has been reported late on my credit and i have never had a late payment

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon inspection of my credit report, I noticed the following information is incorrect : My full name- There should be no other names listed on my report. Please remove all the other names you have listed as they are incorrect. 

My date of birth is reported incorrectly. 

My social security number is reported incorrectly. 

My current address is reported incorrectly - Any other addresses are undeliverable, and I have no access to them. Please remove these incorrect addresses immediately. 

You have an employer listed. This is not my employer, please remove from my report. 

I do not wish to have any telephone numbers on my report. 

Attached is the supporting documentation to validate my dispute. Please update your records promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
The account was charged off XX/XX/2021 and is reporting every month which is a violation of credit reporting act

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 2023-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I have made several attempts to contact Affirm regarding the loan they have continuously charged me for in regards to a purchase I have made on XXXX. The return was initiated on XX/XX/XXXX and XXXX confirmed they have received the items on XX/XX/XXXX. After several phone calls going back and forth between XXXX and Affirm, I was asked by Affirms customer care to send the proof to their email on XX/XX/XXXX. On the same day, I have sent Affirm an email with attachments showing proof of the return as well as my conversation with XXXX again confirming that they have received the items. They have taken a total amount of {$200.00} for items I no longer have and have yet to even refund me my money. It has been almost a month of no communication from their customer care since I have sent the email and almost two months total of Affirm not refunding me and I shouldnt have to wait this long to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc.
State: PA

Complaint narrative:
I went to XXXX XXXX XXXX ( used XXXX XXXX XXXX, account no. XXXX ) and received treatment on XX/XX/2023. I was informed that I did not need to pay anything by the receptionist. Today ( XX/XX/2023 ), I received a debt collection of {$35.00} from State Collection Service , Inc. ( XXXX, WI ). Prior to this, I have not received any communication or bill from XXXX XXXX XXXX regarding this matter. I will pay the amount as soon as possible but would like to complain against XXXX XXXX XXXX for referring to debt collection and was deficient in providing proper information and communication regarding this {$35.00} debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: U.S. BANCORP
State: HI

Complaint narrative:
I had just payed rent XXXX first and had {$24.00} in my checking account. I got a fee for collecting a debt and they would have overdrawn my account if I had not already disabled overdraft payments. They charge {$100.00} fee. I closed my account, they should not have charged me at all as I had only {$24.00} and none of it would have ever gone to the debt collector. I was a former XXXX XXXX customer whose bank was acquired by US Bank. Do not use or trust US Bank.

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 2023-09-17 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: OH

Complaint narrative:
I HAVE NOT RECIEVED ANY VERFICATION OF DEBT REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECIEVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAW 15 USC 1681 HAVE BEEN VIOLATED BY THE COMPANY 'S ACTIONS AND I REQUEST YOU TO REMOVE THESE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. I WILL BE LOOKING TO SUIT AND COMPLAINTS WITH THE FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAVE BEEN AFFECTED BY THEIR ACTIONS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 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: OH

Complaint narrative:
I HAVE NOT RECIEVED ANY VERFICATION OF DEBT REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECIEVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAW 15 USC 1681 HAVE BEEN VIOLATED BY THE COMPANY 'S ACTIONS AND I REQUEST YOU TO REMOVE THESE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. I WILL BE LOOKING TO SUIT AND COMPLAINTS WITH THE FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAVE BEEN AFFECTED BY THEIR 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 explanation
Consumer complaint received 2023-09-17 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My problem is that they are direct violation 15 is code 1692 g. # 2 never received a letter describing to me the validity of there debt # 3 never received written permission from me # 4 I never received a dunning letter on my credit report before they reported it which is XXXX  dollar violation fcra they never got permission to discuss my files from the original creditor which is a privacy code violation they are reporting stuff negatively which alone is a violation and without notifying me they XXXX XXXX {$930.00} XXXX yr XXXX month old debt XXXX XXXX XXXX XXXX XXXX  {$430.00} never was notified about this {$410.00} XXXX XXXX all these never received anything in writing from Lvnv

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
Additional charges were added to my loan via XXXX XXXX XXXX XX/XX/2023 their financial team that did not align what was agreed with the salesman and myself who was also unaware of this until i went back to try to sell it back to them XX/XX/2023. First they did the car switch in which I had to bring back the original car I thought I purchased and in which they switched out and quicky put together the financial agreement. They have over charged on my last purchase in which I made them refund the difference, I notified Lexus corporate about this XX/XX/2023 since I feel they take advantage of retired XXXX veteran by adding ( sneaking ) in additional costs. At this point I will have to claim hardship and will have them take the auto back since I can not afford the monthly payment on a XXXX income. I honestly feel there are many others that have been victim to their illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: MD

Complaint narrative:
XXXXXXXX XXXX XXXX was paid in full. Equifax was still recording a balance. So I send them proof of balance paid. Equifax not only increased the balance owed by {$50.00} they closed lowering my credit score by XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: NY

Complaint narrative:
On XX/XX/2023, my Chime XXXX XXXX card was fraudulently charged twice in the amount of {$210.00} at the merchant " XXXX* ''. I have never authorized this merchant to charge my account, and the charges are both fraudulent and unauthorized. Upon learning of the transactions that same day, I immediately contacted Chime to cancel my debit card and issue a new one, as well as file a dispute ; I was initially told that I had to wait to file a dispute until after the transactions were no longer in pending status, which I did. After the transactions posted, I immediately contacted Chime to file a formal fraud dispute against the transactions, and expected a credit in the amount of {$430.00}. The following day, Chime notified me that they finished investigating my dispute and denied credit, stating that the transactions were authorized by me, which they were NOT. XXXX covers cardholders from unauthorized and fraudulent transactions, but Chime is choosing to simply deny the claim without truly investigating or issuing a chargeback. I am in dire need of the {$430.00} refund, and I am unable to pay my rent due to Chime 's negligence and failure to investigate. I submitted a rebuttal to Chime and never received a response. It is truly concerning that my money is not safe at Chime and Chime should be investigated by the government as I am told this happens to thousands of Chime members across the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I have spoke with midland credit management and sent in 1099 c 's that their company has accepted and sent back to me via mail. The accounts are still showing although the debt is discharged.

Also in my last complaint I had used my right as a citizen to opt out of their reporting services citing many laws proving my right to do so. The company came back with GLBA and how it entitles them to report my non public information. According to GLBA, as attached in the documents, you are still violating my rights and this instance does not fall within the GLBA guidelines as an exception.

Remove this account immediately and pay the {$1000.00} per violation I requested last time for each time this has been reported.

Company response to consumer: Closed with explanation