vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: DE

Complaint narrative:
Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15 USC 6802. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom It may Concern. I'm reaching out because TRANSUNION CREDIT BUREAU is helping XXXX XXXX XXXX by putting incorrect information relating to my credit report. The IRS considers a charge-off to be income, either as gross or ordinary income. Income that doesn't belong on a credit report, so this information on my report is inaccurate. By IRS rules, any cancelled debt or charge-offs is classified as income. Reporting this debt is incorrect or could be called Tax fraud. According to USC1681s-2 ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) as a provider of information to a credit reporting agency, it is prohibited by law from sharing inaccurate information. I'm requesting that you delete this immediately from my credit reports. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ** A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notice, that specific information is inaccurate and ; the information is in fact inaccurate ''.. In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency Please delete this incorrect information from my credit report. 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The XXXX XXXX  account status is inaccurate. This account was opened XXXX of XXXX and closed XX/XX/XXXX. The vehicle was totaled in accident a month after first made payment. It's reporting charge status XX/XX/XXXX. There is no payment history. This account was paid off due to settlement from car accident. This account is not derogatory or negative. FCRA states all information has to report accurately. There is no payment history the car was total in accident. I have proof of the inaccurate reporting for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2024-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX, Social # XXXX XXXX XXXX, DOB XXXX 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 XXXX 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, XXXX XXXX on XXXX, XXXX under the account number ( private ), Credit Card Opened at XXXX XXXX opened XX/XX/XXXX, XXXX XXXX Credit Card opened XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX an auto loan account opened at XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number ( private ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # XXXX ( 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 2024-12-16 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: GA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-12-16 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: SC

Complaint narrative:
I reviewed my consumer report and previously informed your agency on XX/XX/year> about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear Chase Bank Card Services Team, I am writing to redispute the {$770.00} charge labeled as " XXXX XXXX '' for XXXX XXXX on my Chase Freedom Flex card that is currently FROZEN. I KNOW this charge to be fraudulent, and I am providing additional information to substantiate my claim. 

To investigate this matter thoroughly, I contacted XXXX New York personally today at the time of submitting this cfpb report and received verbal confirmation XXXX separate times, in front of a notary public, that there is no such charge on my XXXX  account or billing statement for XXXX. Furthermore, I have reviewed the detailed billing records and a screenshot of all plates associated with my account, which I have included for your reference. 

Chase previously informed me that XXXX claimed a plate ending in " XXXX '' was linked to the account. However, I confirmed directly with XXXX New York, both via their agent and by reviewing their website, that no such plate has ever been associated with my account. Additionally, I have never parked at XXXX XXXX 's Parking C for XXXX consecutive days, as alleged. 

I am requesting that Chase thoroughly reevaluate this case with the updated evidence and recredit the {$770.00} to my account. Please find attached the following supporting documents : Page XXXX of my XXXX billing statement. 
A screenshot showing all plates associated with my XXXX account. 
This charge was processed in error and should not be attributed to my account. I trust Chase to fairly review this new evidence and make the appropriate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: Sparrow Financial, Inc.
State: OH

Complaint narrative:
I have no knowledge to how these cards were open. I just recently filed XXXX XXXX Bankruptcy and now I have credit cards OVERDUE 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 explanation
Consumer complaint received 2024-12-16 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: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I have no knowledge to how these cards were open. I just recently filed XXXX  XXXX Bankruptcy and now I have credit cards OVERDUE on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased a used car with XXXX sales in XXXX making a {$240.00} biweekly payments that eventually increased over the years to a higher payment around {$290.00} biweekly.Over the course of my term my car would be XXXX multiple times throughout the years even when paid on time with extra fees .They would never hold up to the obligation of my warranty an fixing the issues I was having with the vehicle I was told for years Im paying for Gap an collateral protection an never received any information or product.I started requesting more information about my term, contract and balance an was never answered they would only tell me about new fees I accumulated an had to pay. There would be times I paid between $ XXXX XXXX week to only be disable a week or days later .Come XXXX Im still making payments even though I communicated with them that I have been making overpayments for a vehicle thats been having transmission problems the same year i purchased the car I stated to numerous representatives that I had fulfilled my contract an Im requesting my title an it lead to them repossession my vehicle an learning that a new company had our contracts but not our title..After my repossession I had to file bankruptcy on a car I was sure I was caught up on an honestly paid off to only find out a new company was dealing with our terms an loans an the information I received from westlake was false as if my term was increased an I owed way more for a car that wasnt worth it since I was at the end of my contract an requesting my title. I voiced to them that the amount their trying to make me pay wasnt correct an it wasnt reflecting none of my past payments an that they illegally repossessed my vehicle forcing me to file bankruptcy. XXXX sales put me in extreme debt, withheld my title an forced me into over paying for a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-12-16 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: GA

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am filing this complaint against Midland Credit Management for reporting an account on my credit report that does not belong to me. The account in question states that I owe {$1000.00}, which is incorrect. 

Since XX/XX/year>, I have sent more than six dispute letters to Midland Credit Management, providing evidence that the account is not mine. Despite my repeated attempts to resolve this issue, they have failed to remove the inaccurate account from my credit report, causing significant harm to my credit profile and financial well-being. 

Details of the Complaint : Account Number XXXX Disputed Amount : {$1000.00} Credit Bureaus Affected : XXXX, XXXX, XXXX Attempts to Resolve : XXXX. I first sent a dispute letter on XX/XX/year> XXXX. Follow-up letters were sent on XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. Despite these efforts, the account remains on my credit report. 

Resolution Sought : I request that the CFPB investigate this matter and compel Midland Credit Management to : 1. Immediately remove the inaccurate account from my credit report.

2. Cease all collection activities related to this account.

3. Provide written confirmation that the account has been removed and that no further collection actions will be taken. 

Thank you for your prompt attention to this matter. Please feel free to contact me for additional information if needed. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
This company ABILITY RECOVERY SERVICES , LLC is reporting fraudulent inaccurate information for act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report. 
I have requested that they provide the purchase agreement to show full ownership of such account and so other documents so that i can review to see if this debt actually belongs to me. I am requesting that this account is removed from 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 explanation
Consumer complaint received 2024-12-16 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXXXXXX

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 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I have been a victim of identity theft! Police reports on file! My data has been breached. I have been fighting these for a few years! They are not my debt! I have never had cards and or accounts opened! I went to renew my license and there was an issue there! I have been trying to resolve this so I can be free of the stress and freedom to not see what has opened or come up again. Please help me! I believe I have opened up a previous case with ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: MA

Complaint narrative:
Dear FactorTrust, Inc Consumer Center, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: MA

Complaint narrative:
Dear SageStream , LLC Consumer Center Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account closed and reflected as closed on my credit report in XXXX of XXXX  the company has extended the closing date several times and refuses to remove the entry from 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 explanation
Consumer complaint received 2024-12-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The account closed and reflected as closed on my credit report in XXXX of XXXX  the company has extended the closing date several times and refuses to remove the entry from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account closed and reflected as closed on my credit report in XXXX of XXXX  the company has extended the closing date several times and refuses to remove the entry from 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 explanation