vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE
State: FL

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX filed a lawsuit regarding a car loan. I was going thorough a divorce and did not want the car, however, the car loan was almost if not all the way paid off. I never received documentation of how much the car sold for at auction or anything that it required by law. I don't believe that I owe this debt. The note was in my ex- husband 's name as well, but for some reason only my name appeared on the summons. During the first court hearing XXXX XXXX did not show to court. A new court hearing was issued commanding XXXX XXXX to appear in court, and again they willfully failed to appear, so the judge dismissed the case without prejudice, but then the court notified us that a new court case would have to be refiled before the statue of limitation or it was time barred in accordance with Indiana law, which is XXXX XXXX  This company is reporting that I owe the debt to all the credit bureaus even though the plaintiff ( XXXX XXXX XXXX ) forfeited their rights to judgement due to their multiple refusals to appear in court. I do NOT owe this debt and am disputing this debt. I did not get a chance to present my evidence in court due to their willful failure to appear. If I owe this debt then why didn't this company pursue their judgment? Why did they fail to appear in court and why did they fail to appear in order to keep their case from being dismissed? XXXX XXXX can no longer pursue a judgment because they allowed the case to become time-barred and never refiled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: NC

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX Account Number : XXXX Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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:
I do not recognize this address please remove XXXXXXXX XXXX XXXX XXXXXXXX, fl 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 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
I submitted a dispute on XX/XX/year> to Credit Karma Money Services, because I had came back into the country from being on Vacation for several months. I realized my account was being used fraudulently and there was several Instant Transfers that were taken place on my account without my authorization. My phone was stolen back in XXXX, XXXX  and this was a short time before I left on Vacation. I didnt think about the person who stole my phone having any access to my accounts at the time, but because everything was saved on my phone from screenshots, to saved passwords and saved cards on my phone they had access to everything. They accessed my Credit Karma Money account and linked a card to the account that was not in my name, and it states it only allows customers to link cards that are only in their name, the cards that were linked couldnt of been in my name, so they allowed cards that were in someone elses name to be linked to the account and allowed for Instant Transfers to be withdrawn from my account to be sent to the those cards. 
There was XXXX Instant Transfers that were done not on my behalf. 
XX/XX/scrub>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 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 XXXX XXXX XXXX XXXX  Credit Karma has denied my disputes and has closed my account. In a document they sent me it states Regulation E only covers unauthorized electronic transactions.

These transactions are in fact unauthorized electronic transactions.

I dont understand why my account was closed and they no longer wish to help me further with this matter. 
This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-23 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: NJ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: NJ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 2024-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc.
State: NC

Complaint narrative:
The total of {$18000.00} is a charge off. if this account was indeed charged off then why did I not receive a copy of a XXXX from the creditor they got a tax write off and I should not have this debt reported on my credit profile. Send me any forms or any documentation showing that you have the right to report this as a debt. If you can not do that please remove this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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:
I do not recognize this address please remove it thank you XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, fl 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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is missing information in my credit file with Equifax. I have accounts with XXXX XXXX, XXXX, and XXXX XXXX. However, Equifax has neglected to report the accounts. The company is in violation of 15 U.S.C 1681 ( a ), ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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:
Account Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : Unverified account Each credit bureau has XXXX different date that these unauthorizes account were opened

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 2024-11-23 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: MA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain land collection sent me a bill that I am not familiar with.

I demand them to prove that this debt belongs to me with original paperwork that includes the date that the debt was incurred as well as what the debt was for and who it is owed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: VA

Complaint narrative:
After reviewing my credit report, I found several inaccuracies and unverifiable items that need immediate attention. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and impact the accuracy and reliability of my credit profile. Specifically : XXXX XXXX XXXX My date of birth is inaccurately reported as XXXX, which needs to be corrected. 

Unverified Account The account from XXXX XXXX ( XXXX ) appears on my credit report, but I have not received sufficient validation proving its accuracy or legitimacy. 

Unsubstantiated XXXX XXXX collections entry from XXXX ( XXXX ) is listed, and its validity has not been verified with proper documentation. 

Unverified Inquiry A hard inquiry from XXXX ( XXXX ) appears on my credit file, and I am questioning its permissible purpose as required under 15 U.S.C. 1681b of the FCRA.

These inaccuracies undermine the trustworthiness of my credit report and can negatively impact my financial opportunities. Under FCRA Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or unverified information. If the credit reporting agency ( CRA ) or data furnishers can not provide evidence to substantiate these items, they are required to remove or correct them promptly. 

I have formally requested an investigation into these matters and expect : XXXX or removal of the challenged entries. 
Documentation to support any information that remains on my credit report. 
An updated and corrected credit report upon the completion of the investigation. 
This situation demands immediate attention, and I trust it will be resolved within the XXXX time frame mandated by the FCRA. If not addressed properly, I am prepared to pursue further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I was in a XXXX XXXX XXXX, the XXXX. And I went to there ATM machine and did a Cash Advance from there ATM, instead of receiving the funds from the ATM, you have to go to the XXXX XXXX XXXX, to receive the funds. The ATM give you a receipt and you take to cage. Once to the cage you have to show a valid ID, the Debit card and also the receipt that the ATM machine gives you, for them to give you the cash advance. The cash advance is more than a regular ATM fee, it's for when you can not draw anymore funds or are over your limit for the day, it's a XXXX fee. I did a XXXX XXXX for XXXX and the cashier gave me XXXX. Once I got back to hotel room I checked my account and it was XXXX PENDING TRANSACTIONS OF THE XXXX. I CALLED THE CASINO AND THEY TOLD ME THAT IT SHOULD CLEAR CAUSE ITS PENDING. BUT ONCE I GOT BACK TO ALABAMA, IT CLEARED.THOS WAS ON XX/XX/year>. IVE BEEN BACK AND FOURTH WITH CHASE BANK, AND THEY KNOW I DIDN'T WITHDRAWAL XXXX TWICE. THEY HAVE THE PROOF. BUT WANT ME TO PROVIDE A RECEIPT. AS I TOLD THEM WHO KEEP ATM RECEIPT.PLEASE NEED THE HELP XXXX GON NA TRY TO SUE, OR FILE A CLASS ACTION LAWSUIT, IVE SEEN THIS SAME TYPICAL ISSUES WITH OTHER CHASE BANK CUSTOMERS. I've talk to the ATM COMPANY AND FLAMINGO.. AND THE PROBLEM IS CHASE BANK, DEFRAUDED ME OUT OF XXXX. OR SOMEONE IS STEALING FROM THEM.AND THEY DONT KNOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX amount XXXX the account is reporting closed date of XX/XX/year> but showing last payment of XX/XX/year> it is also reporting payment status ok on XX/XX/year> I have asked to be provided proof of ownership by original contract with signature also I have asked for proof of notice of debt via certified mail receipt with signature before placing on my report and nothing has been received

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 2024-11-23 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I filed a dispute with Experian on XX/XX/year>, regarding an account listed under the creditor XXXX. The account shows a charge-off of {$860.00}, and I believe this account is either inaccurate or fraudulent. I requested Experian to investigate the validity of this account and confirm whether the charge-off amount was accurate. 

I have reason to believe that this account is not mine, and I disputed the information under the assumption that it was reported incorrectly or fraudulently. 

However, after Experians investigation, which I believe was insufficient, they confirmed that no changes were made to the account, and it remains on my credit report. I was not provided with sufficient details regarding their investigation or verification of this account. Despite my dispute, the error remains unresolved, and the charge-off of {$860.00} remains on my credit report.

I am requesting that the company fully investigate the accuracy of this charge-off and whether the account is indeed fraudulent or incorrectly attributed to me.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Urgent Dispute Fraudulent Accounts on My Credit Report To Whom It XXXX Concern, I am writing to formally dispute the inaccurate and fraudulent information listed on my credit report. For far too long, I have been trying to resolve this matter, but my concerns have been ignored, leaving my financial reputation in jeopardy. This negligence is unacceptable and must be addressed immediately. 

The accounts in question were placed on my report as a result of fraudulent or misleading actions. I have never had any relationship with the company responsible for these accounts or the original creditor. Furthermore, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is impossible for me to have opened or managed these accounts during that time. 

These accounts are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit bureaus ensure the accuracy and validity of the information they report. Your failure to investigate and resolve this matter in a timely manner constitutes a breach of this legal obligation. 

I demand that you immediately : Conduct a thorough investigation into these fraudulent accounts.

Remove all false information related to these accounts from my credit report. Provide me with written confirmation of these actions, along with an updated copy of my credit report.

This matter requires your immediate attention. Should you fail to resolve this issue promptly, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as pursuing legal action to protect my rights.

I expect a resolution within 30 days, as mandated by the FCRA. Please direct all correspondence regarding this matter to me.

I trust you will take this situation seriously and act accordingly. 


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

Company response to consumer: Closed with non-monetary relief