vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There's no way for the # credit bureaus to verify late payments unless they have access to your bank account. By law the creditor can't give the bureaus access to your bank account. so how are these late payments being recorded lawfully.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I am writing to formally lodge a complaint and request an investigation into concerning practices observed with my accounts at America First Credit Union. The issues at hand involve misreporting of charge off status and the failure to provide necessary documentation, raising significant concerns about compliance with regulatory standards. 

Firstly, it has come to my attention that despite the accounts being charged off, they continue to be inaccurately reported on my credit report. This misreporting is particularly alarming as it contradicts both IRS regulations, where unpaid charge off is considered income, and FCRA guidelines, which prohibit the reporting of income on credit reports. Therefore, I am requesting a 1099-C ( Cancellation of Debt ) for the charged off accounts listed below : 1. America First Credit Union - Account Number : XXXX Furthermore, upon reviewing my most current credit report, I discovered that the account in question has purportedly been purchased by XXXX XXXX. This raises a critical concern, as a charged off account can not be reported on my credit report if it has been sold to another lender. 

Given the gravity of these issues, I urge the CFPB to initiate a thorough investigation into the practices of America First Credit Union and XXXX Collections regarding the misreporting of charge off status and failure to provide accurate documentation. Additionally, I request your assistance in facilitating the provision of the 1099-C form for the aforementioned charged off accounts.

I appreciate your immediate attention to this matter and the assistance in resolving these issues promptly. Please confirm receipt of this complaint and provide updates on the progress of the investigation. 

Thank you for your cooperation and commitment to consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Repeated calls daily at all hours day and night. Very distressing. Harassment. Looked them up on XXXX and found they have several violations and are a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: GA

Complaint narrative:
I'm a co-signer on a loan that was reprocessed and which i didn't know about. On my credit report XXXX and Equifax which I review on XX/XX/year> shows the address is wrong, the amount for the car is wrong. The car has been sold and wasn't told about it. Under the Fair Credit Report any incorrect current balance and incorrect credit limit should be corrected or removed from Credited report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: GA

Complaint narrative:
I'm a co-signer on a loan that was reprocessed and which i didn't know about. On my credit report Transunion and XXXX which I review on XX/XX/2024 shows the address is wrong, the amount for the car is wrong. The car has been sold and wasn't told about it. Under the Fair Credit Report any incorrect current balance and incorrect credit limit should be corrected or removed from Credited 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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed inaccurate information with Experian in regard to this account XXXX XXXX  {$1100.00}, XXXX  XXXX for {$600.00} and another XXXX  XXXX for XXXX XXXX stated the information was verified and accurate. I checked my credit report the information is still inaccurate. The report shows the payment history for XXXX XXXX begins in XX/XX/2019 which is another inaccuracy! How payment history begins XX/XX/2019 and account opened in XX/XX/2019. The accounts for XXXX also showing various inaccurate late payment of 30, 60, 60 then 90, 90, 120,120 late. inaccuracy which shows Experian, XXXX, XXXX never verified this account for correct accuracy. Who verified this inaccuracy which company and what date were these accounts actually verified for accuracy? 
These accounts are clearly inaccuracies that Experian, XXXX, and XXXX allowed to remain on my credit report is inaccurate. These accounts are deemed 100 % inaccurate and should be deleted immediately. Please delete these accounts effective immediately. This is my right per the Fair Credit reporting Act to request this ( FCRA ). ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consu be inaccurate or incomplete or can not be verified, the consumer reporting agency snall. ( 1 prompty delete that item of Information from the file of the consumer, or modify that item of information. as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the modified or deleted from the file of the consumer. I'm asking that you delete these inaccurate accounts on my credit report and send me an updated copy of this report in 15 days. Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX XXXXXXXX : delete account immediately, Account name : XXXX  XXXX Account XXXX Balance {$600.00}, Account Name : XXXX  XXXX account number XXXX Balance {$1000.00}

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 2024-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My credit was pulled with out my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
This is a serious issue that I am having with your company. I called numerous times and sent in documents to dispute this fraudulent account but your company failed to process my demand to delete this account and cease & desist all activities with my information immediately. Your company and all three credit bureaus NEED to remove and delete all information that your company is reporting to my credit profile without my consent and written instruction to use my information. Your company has violated all my consumer rights that's listed under Exhibit A. I didn't sign any contract for your company to engage with me. Your company needs to remove and delete this immediately. I went over this account twice and I am 100 % sure that This account is not 100 % accurate or is it valid to report on my credit profiles.I have court documents that the JUDGE dismissed and your company is still neglecting to remove the account details from all three Credit Bureaus. This account is unverifiable, invalid and not mine. Please follow FDCPA rules and FCRA laws. Also I want you to know that your company failed to comply with FDCPA rules and FCRA rules. There's a {$1000.00} Dollars per violation and if this account is not removed in the next 3 to 5 Business days I will take legal actions to exercise my rights under 15 u.c.s. 1681i ( 5 ) ( i ) ( ii ), 15 u.s.c. 1692g Validation of debt and 15 u.s.c. 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Remove and delete all information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: VA

Complaint narrative:
Erroneous inaccurate information 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 non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
I was scammed out of XXXX dollars on XX/XX/year> and immediately called chime they told me since transactions are pending they could stop them but they didnt then said once theyve settled Id get my money back and didnt then was told to dispute it and writhing 24 hrs was denied my dispute so I called again to get the reason why and was given no information was sent a false email to provide my police report I made on XXXX I just want my money back that was stolen from me and for chime to do there job

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
My credit was pulled with out my knowledge

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 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Dear Sir or XXXX : I live at XXXX Courthouse Apartments in XXXX, VA. The apartment conducts rent payment collection through Bilt Rewards, which is underwritten by Wells Fargo. I have been making payments on the Bilt Rewards website portal ( linked to XXXX ). I received payment confirmation numbers from XXXX for each payment, and I can see that the charges have been posted on my bank. I have opted to do a direct withdrawal rather than use my XXXX credit card. I only have the card because the system is presented as if a XXXX credit card is required. 

Unfortunately, XXXX is not reporting these payments to XXXX XXXX. As a result, I am accused of being over XXXX  days delinquent for an amount of over {$6000.00}. This is despite having called Wells Fargo customer service and supplied information about each payment that I have made to date. Wells Fargo said they would submit a case to have my situation reviewed, but when I called today I found that no action had been taken other to leave a note in my file. 

XXXX customer service directs me to talk to Wells Fargo to resolve the issue despite the fault likely lying with XXXX not accurately reporting my payments to Wells Fargo. I would appreciate your help as I am trying to use my VA XXXX XXXX to purchase my first home. This mistake on XXXX 's part has significantly lowered my XXXX XXXX and is negatively impacting my life. 

Thank you! 

Sincerely, 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 2024-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
I was advised by my previous student loan facilitator to consolidate my loans for complete student loan forgiveness. I filled out the paperwork it's been in review since XX/XX/2023 on the student loan forgiveness aid government whatever website eventually it went to MOHELA and now it's in forbearance and I'm accruing interest. I am not happy. I don't know what is going on. I would never have consolidated my loans if this is what was going to happen I was trying to find out about student loan forgiveness. I have been paying on these loans since the early 90s what's going on now? I owe more and it's showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
This is a serious issue that I am having with your company. I called numerous times and sent in documents to dispute this fraudulent account but your company failed to process my demand to delete this account and cease & desist all activities with my information immediately. Your company and all three credit bureaus NEED to remove and delete all information that your company is reporting to my credit profile without my consent and written instruction to use my information. Your company has violated all my consumer rights that's listed under Exhibit A. I didn't sign any contract for your company to engage with me. Your company needs to remove and delete this immediately. I went over this account twice and I am 100 % sure that This account is not 100 % accurate or is it valid to report on my credit profiles.I have court documents that the JUDGE dismissed and your company is still neglecting to remove the account details from all three Credit Bureaus. This account is unverifiable, invalid and not mine. Please follow FDCPA rules and FCRA laws. Also I want you to know that your company failed to comply with FDCPA rules and FCRA rules. There's a {$1000.00} Dollars per violation and if this account is not removed in the next 3 to 5 Business days I will take legal actions to exercise my rights under 15 u.c.s. 1681i ( 5 ) ( i ) ( ii ), 15 u.s.c. 1692g Validation of debt and 15 u.s.c. 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Remove and delete all information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
The accident occured on XXXX XXXX the GAP insurance claims they do not cover this vehicle but wrote the original policy. It is with credit acceptance. No XXXX  XXXX XXXX comes with passenger seats.

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 monetary relief
Consumer complaint received 2024-04-20 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX XXXX my account was charged {$930.00}. Since then I have requested from Truist Bank, and the company that charged the {$930.00}. The company, XXXX XXXX has returned the amount but my debit card was canceled prior to the money arriving. Truist Claims refused to take care of this.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear Credit Bureau : My correct name is XXXX XXXX. 
My correct address is XXXX XXXX XXXX XXXX GA XXXX. 
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: WV

Complaint narrative:
Attempted to opt out of reporting and was told I could not.

Company response to consumer: Closed with explanation