vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: NC

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified or deleted : XXXX XXXX XXXX ( Account # XXXX ) Late payments reported in XX/XX/2024, and a charge-off for {$5600.00} with a {$7100.00} past due balance. Please verify the payment history and charge-off status. 

XXXX XXXX ( Account # XXXX ) Late payments reported in XX/XX/2024, and a charge-off of {$7600.00} with a {$7600.00} past due balance. Please verify the payment history and charge-off status. 

XXXX XXXX ( Account # XXXX ) Late payments reported in XX/XX/2024, and a Charge-off of {$8000.00} with a balance of {$8000.00} past due. Please verify the accuracy of this information. 

XXXX XXXX ( Account # XXXX ) Late payments reported in XX/XX/2024 and a Charge off of {$3700.00}. Please confirm the accuracy of the collection status and details. 

XXXX XXXX ( Account # XXXX ) Late payments reported in XX/XX/2024, and a Charge-off of {$3200.00} with a balance of {$3200.00} past due. Please verify the accuracy of this information. 

If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. 

Please complete your investigation within the 30-day timeframe required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Credit Report Supporting Documentation

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 2025-01-09 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: LA

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Failure to Conduct a Proper Investigation of Disputes and Address 1099-C Non-Issuance by Collection Agency I am filing this complaint against Equifax, XXXX, and XXXX for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/XXXX, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : 3. Despite my dispute, XXXX, Equifax, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 
Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  Key Violations : 1. Failure to Conduct a Reasonable Investigation : XXXX XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
o The use of E-Oscar resulted in an inadequate and incomplete investigation. 
2. Failure to Provide Details of Investigation : XXXX XXXX  failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : XXXX  XXXX, Equifax, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ). 
o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I was making a payment o a merchant and accidentally added too many zeros to the transaction. 

I immediately called chase to stop the transaction which they replied it will be back in the account by XXXX The funds never went back into my account so I followed up and called chase next day to share this information again and they said this could not be disputed. 

The transaction was an electronic payment which falls under reg e for over $ XXXX and the bank said they couldnt do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I submitted payment in full for the balance on my HSN.com account which is handled by Synchrony Bank. They are denying ever having received the payment. I have sent them appropriate documents both by fax and by snail mail through the USPS. I have given the the names, date, account numbers, payment amount, transaction ID numbers from the 3rd party online payment system I use. I've told them numerous times, there is no store receipt to copy. It is an online business, hsn.com. There is no copy of a cancelled check, front and back, it is an online 3rd party payment account. There is no certified copy of the monthly statement, it is an online 3rd party account. I have sent them copies of the statement that I made, blacking out all other purchase and payment amount information that belong to other vendors and is none of their business. I have told them on numerous occasions both by phone and in writing that there is nothing else I can do differently. I paid the {$26.00} and it cleared as completed on XX/XX/2024. I have sent them screenshots. They will not accept them. They will not accept photocopies of the information either. There is no other information I can provide them. I advised them today via email I am contacting you, the BBB and the XXXX to advise you all of the same.

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 2025-01-09 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: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I just wont to know am i able to get a refund check for the law suit

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not open this account with this company please remove under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TX XXXX $ XXXX There are multiple account on my account I did not authorize and need removed under the Subject : Dispute of Incorrect Information in Credit Report Dear Transunion I am writing to formally dispute certain information that I believe is inaccurate or incomplete in my credit report, specifically concerning the accounts listed above. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information I believe to be incorrect, as outlined in 15 USC 1681n and 15 USC 1681o.

Details of the Dispute : 1. Account Name : [ XXXX XXXX XXXX XXXX XXXX XXXX Disputed Information : This information on reporting to my credit report is inaccurate. I have not had no contracts with these company 's and is requesting for this information to be deleted.

Reason for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information I believe to be incorrect, as outlined in 15 USC 1681n and 15 USC 1681o. I need this information deleted as this information is incorrect reporting to my report.

I request that you investigate the above-mentioned accounts and provide me with the results of your investigation. According to the FCRA, you are required to complete your investigation within 30 days of receiving this dispute.

Additionally, if the information is found to be inaccurate, I request that you take the necessary steps to correct or remove these items from my credit report.

Please send me a written confirmation of the results of your investigation and a copy of my updated credit report if any changes are made.

Thank you for your attention to this matter. I look forward to your prompt 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 non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The information being reported has been settled with the original owner midland keeps posting old information on credit report when its over XXXX XXXX XXXX that doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: IL

Complaint narrative:
Subject : Unauthorized and Inaccurate Credit Reporting, Failure to Validate Debt, FCRA, and FDCPA Violations by XXXX XXXX XXXX, TransUnion, and XXXX on Behalf of myself, XXXX XXXX XXXX. Complaint Details : I, XXXX XXXX, has discovered multiple violations regarding her charged-off XXXX XXXX XXXXXXXX credit card account XXXX which has been inaccurately reported by both TransUnion and XXXX. Additionally, XXXX  XXXX XXXX has failed to meet their legal obligations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and we have reason to believe they may no longer own this debt due to securitization.

Key violations : XXXX XXXX XXXXXXXX charged off this account in XX/XX/year>, yet both TransUnion and XXXX continue to report late payments post charge-off, creating the false appearance of continued delinquency. 
XXXX  XXXX XXXX has failed to provide any 1099-C cancellation of debt, suggesting they may be double-dipping on tax write-offs while reporting the debt inaccurately. 
XXXX  XXXX XXXX own XXXX filings indicate that debts such as these are often securitized and sold to third parties, meaning they may no longer own the debt they are reporting. Reporting a debt they no longer own is a violation of the FCRA and constitutes unauthorized reporting.

No proper debt validation has been provided, despite repeated requests.

TransUnion and XXXX reporting is inaccurate and does not align with the FCRA requirement to report only complete and accurate information.

2. Violations and Legal References : The following legal violations are applicable : FCRA 611 ( a ) Duty to reinvestigate disputed information.

FCRA 623 ( a ) ( 1 ) Duty of furnishers to report accurate information.

FDCPA 807 Prohibits the use of false or misleading representations.

IRS Code 6050P Requires creditors to issue a 1099-C cancellation of debt for any forgiven debt over {$600.00}.

Breach of Contract XXXX XXXX XXXX failure to adhere to their credit reporting obligations outlined in their credit card agreement and arbitration clause.

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 2025-01-09 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: IL

Complaint narrative:
Subject : Unauthorized and Inaccurate Credit Reporting, Failure to Validate Debt, FCRA, and FDCPA Violations by XXXX XXXX XXXX XXXX, and Experian on Behalf of myself, XXXX XXXX 1. Complaint Details : I, XXXX XXXX, has discovered multiple violations regarding her charged-off XXXX XXXX XXXX credit card account , which has been inaccurately reported by both XXXX and Experian. Additionally, XXXX XXXX XXXX has failed to meet their legal obligations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and we have reason to believe they may no longer own this debt due to securitization.

Key violations : XXXX XXXX XXXXXXXX charged off this account in XX/XX/year>, yet both XXXX and Experian continue to report late payments post charge-off, creating the false appearance of continued delinquency. 
XXXX XXXX XXXX has failed to provide any 1099-C cancellation of debt, suggesting they may be double-dipping on tax write-offs while reporting the debt inaccurately. 
XXXX  XXXX XXXX own XXXX filings indicate that debts such as these are often securitized and sold to third parties, meaning they may no longer own the debt they are reporting. Reporting a debt they no longer own is a violation of the FCRA and constitutes unauthorized reporting.

No proper debt validation has been provided, despite repeated requests. 
XXXX and XXXX reporting is inaccurate and does not align with the FCRA requirement to report only complete and accurate information.

2. Violations and Legal References : The following legal violations are applicable : FCRA 611 ( a ) Duty to reinvestigate disputed information.

FCRA 623 ( a ) ( 1 ) Duty of furnishers to report accurate information.

FDCPA 807 Prohibits the use of false or misleading representations.

IRS Code 6050P Requires creditors to issue a 1099-C cancellation of debt for any forgiven debt over {$600.00}. 
Breach of Contract XXXX XXXX XXXX failure to adhere to their credit reporting obligations outlined in their credit card agreement and arbitration clause.

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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: Self Financial Inc.
State: GA

Complaint narrative:
To whom this may concerns there where XXXX XXXX XXXX XXXX opened with Self Financial between the dates of XX/XX/XXXX and XX/XX/XXXX and a Self secured credit card was opened on XX/XX/XXXX using funds that were paid into one of your Credit Builder Accounts. Each account was opened in my name, with activity and payment methods listed to from my personal account. I am saying I did not open this account and I did not complete this request on mybelf. I demand self to complete an full investation on these account and remove them from my credit report. If you fail to complete the guidelines set forth by the Fair Credit Reporting Act. I will be force to take you to connect the XXXX on my behalf. The account number and information is on my credit report. I need this information to be review and deleted from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Dear XXXX XXXX, Thank you for your response dated XX/XX/XXXX, regarding the international wire transfer initiated on XX/XX/XXXX, in the amount of {$7700.00}. While I appreciate the details provided, there are several critical concerns that remain unresolved, particularly regarding the inaccurate use of my name as the sender for this transaction.

Outstanding Issues Cause of Error : Please clarify why my name was used as the sender when the transaction was initiated by XXXX XXXX XXXX via online banking. This error has caused significant confusion and resulted in the wire being returned, despite amendment attempts on XX/XX/XXXX. 

Privacy and Liability Concerns : The use of my name as the sender for a transaction I did not initiate raises concerns about potential reputational and financial risks. I kindly request an explanation of the safeguards PNC Bank will implement to prevent similar errors in the future.

Request for Documentation : To fully understand the processing of this wire, please provide any internal records, including communication or notes regarding the amendment requests and the steps taken to correct the sender information.

Implications for Joint Account Holders : While your letter notes that joint account holders have equal rights to conduct transactions, it is imperative that all transactions accurately reflect the initiating party. Please confirm whether PNC 's systems can distinguish between joint account holders in such cases.

Requested Resolution To resolve this matter, I kindly request the following : A detailed explanation addressing the above issues.

Assurance that this error will not affect my standing or reputation with PNC Bank or any other institutions involved.

A timeline for implementing safeguards to prevent similar errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: KS

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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