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

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding Radius Global Solutions LLC in relation to inaccurate reporting of a debt on my credit report or unfair collection practices. I believe this matter violates my consumer rights under applicable federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The amount of debt of {$5500.00}. XXXX is not accurate. The company Radius Global Solutions LLC has not provided me with any proof of ownership or Bill of Sale regarding this debt. As far as I am concerned I do not owe this amount and deny their allegation. This has negatively impacted my excellent credit rating. 

Despite my efforts to resolve this matter, I have not received a satisfactory response. Therefore, I am requesting the CFPBs assistance in investigating this issue and ensuring that my rights under the FDCPA and/or FCRA are upheld. 

Please confirm receipt of this complaint and keep me informed of the steps taken to resolve this matter. If you need additional information or documentation from me, I am happy to provide it. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint.

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 2025-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I was contacted by an individual using a sXXXX XXXX XXXX XXXX XXXX XXXX. They offered to sell a product ( a guitar ) for {$150.00}. Believing the transaction to be legitimate, I sent {$150.00} via XXXX XXXX. However, I later discovered that this was part of a scam targeting XXXX and the product was never delivered. 

When I realized I had been scammed, I immediately contacted both XXXX XXXXh and Chase ( my bank ). I reported the transaction as fraudulent and requested assistance in reversing or disputing the payment. XXXX XXXX denied my request for a refund, stating that the transaction could not be reversed, despite my explaining that it was unauthorized and part of a scam. Chase also referred me to XXXX XXXX, creating confusion about who holds responsibility for the dispute. 

As a college student with limited financial resources, {$150.00} is a significant amount for me. I took every step I could to resolve this, including contacting both companies promptly, but neither has provided assistance. I am seeking a refund for the transaction and clarification on why neither company is taking responsibility for addressing this scam. 

Key Details : Date of Transaction : XX/XX/year> Amount : {$150.00} Actions Taken : Contacted XXXX XXXX and Chase to report fraud and request a refund. 
Company Responses : XXXX XXXX denied my refund request. 
Chase redirected me to XXXX XXXX for resolution. 

I request that this matter be reviewed further and that I be refunded for this fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I unfortunately had to pay off a collection that was on my account from Capital One Bank. 
this was a Credit card from Capital One Bank. Some of the transactions in the account were not authorized by me nor did I authorize any one to use my card. I am still poping out in the Capital one database that I owe them a sum. this need to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: World Acceptance Corporation
State: GA

Complaint narrative:
World finance says I owe them XXXX and it was not credited to my account and someone else took out that loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: TX

Complaint narrative:
I have a fraudulent Hard Inquiry and account from XXXX XXXX XXXX  on my credit report. 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 explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
Amount was already paid and deletion from cred report should already be processed by now

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 2025-01-01 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: Westlake Services, LLC
State: CA

Complaint narrative:
I have been a victim of identity theft. Someone took a car loan under my name with Westlake financial. I have filed police reports and ftc report. I have been receiving tickets dmv registration renewals that were going to my previous address. I had contacted Westlake financial in the past letting them know this is fraudulent. They have brushed it off. I recently signed up with XXXX XXXX and all of the credit monitoring and started noticing that Westlake financial is accepting payments for the fraud account. I recently reached out to them again XX/XX/year> submitted my concerns submitted my police report with them send them a bill so I can confirm my identity. They stated they will investigate. They refuse to send me the contract. They do not want to remove the fraud account. I have requested to close the account because its fraudulent they keep telling me theyre investigating while accepting payments from the fraudulent account. I dont own or opened this account. This is very stressful because I have baby and work I cant abate to also be investigating and sending documents. Westlake is acting fraudulent I need help.

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 2025-01-01 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: KY

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Request to Address Erroneous Credit Reporting and Non-Compliance with Tax Regulations Dear CFPB, I am writing to formally dispute and request investigation into the reporting of balances on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have been written off by the creditors as profit and loss deductions for tax purposes, yet they continue to reflect balances on my credit report. To my knowledge, creditors are required to issue a Form 1099-C ( Cancellation of Debt ) to debtors for any written-off debts exceeding {$600.00}, as specified under the Internal Revenue Code ( IRC ) 6050P. I have not received these forms. 

Case Law Supporting My Claim : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case emphasized that inaccurate reporting or attempts to collect on debts that have been discharged or written off can violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : The court ruled that continuing to report balances on written-off debts as " due '' or collectible could constitute deceptive practices under federal law. 

IRS Revenue Ruling 2003-12 : Clarifies that issuing a Form 1099-C signifies a discharge of debt. Once a creditor writes off a debt and claims a tax deduction, the debt is effectively canceled for accounting purposes and can not remain reported as due. 


Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: KY

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Request to Address Erroneous Credit Reporting and Non-Compliance with Tax Regulations Dear CFPB, I am writing to formally dispute and request investigation into the reporting of balances on my credit report for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have been written off by the creditors as profit and loss deductions for tax purposes, yet they continue to reflect balances on my credit report. To my knowledge, creditors are required to issue a Form 1099-C ( Cancellation of Debt ) to debtors for any written-off debts exceeding {$600.00}, as specified under the Internal Revenue Code ( IRC ) 6050P. I have not received these forms. 

Case Law Supporting My Claim : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case emphasized that inaccurate reporting or attempts to collect on debts that have been discharged or written off can violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXXXXXX XXXX XXXX  XXXX, XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) : The court ruled that continuing to report balances on written-off debts as " due '' or collectible could constitute deceptive practices under federal law. 

IRS Revenue Ruling 2003-12 : Clarifies that issuing a Form XXXX099-C signifies a discharge of debt. Once a creditor writes off a debt and claims a tax deduction, the debt is effectively canceled for accounting purposes and can not remain reported as due. 


Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX  - XXXX - {$0.00} Late Payment XXXX  - XXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX {$470.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Personal Information Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Employers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am currently on the XXXX program for my loan. its my understanding, that during this forbearance period, the minimum payment is {$0.00}, and interest should also be at 0 %. however, interest is at 6 % and still accruing on my loan. to date, interest has accrued in the amount of {$2400.00} and {$49.00} for my second loan. please see picture attached for more clarification. 

id like this to be remedied and revised to be taken off my account and my interest set to 0 % until forbearance is lifted. nelnet employees are incompetent and every time i call a representative gives me a different answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am XXXX XXXX XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I can't access the chime mobile app because my phone got stolen so I don't have access to my phone number which gives me access to my account. Also the phone that I got to replace my old one isn't compatible and won't let me download the app anyways on top of that this stupid credit builder card I had is gone don't know where it's at so I had to order a new one it's going to take over XXXX weeks for me to get that card and then every time I try to figure something out they can't do it everything I've suggested they find a way to make it overly complicated for no reason now I have a temporary phone number on an app that uses Wi-Fi only that's the only way I can get this thing to work right now and they found another issue I can't download a picture of my ID because the app that I'm using for a phone number won't let me and then they keep hanging up on me repeatedly I've called customer service XXXX XXXX and XXXX just continuously hang up on me so I'm ready to XXXX every single one of these individuals individually I'm beyond XXXX they don't give a XXXX at all they got their heads up their XXXX and their egos way too big that company is be put back in its place where it belongs it's XXXX problem after the other after the other after the other with them and they don't fix any of it they just make it worse they find another reason to have a problem they have screwed me over daily for the past week

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed that my personal information is incorrect. This inaccuracy has led to the appearance of unknown and inaccurate accounts on my credit report, which are not associated with me in any way.

Company response to consumer: Closed with non-monetary relief