vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXXATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 2024-12-05 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit file by several creditors. The details of my dispute and the applicable legal provisions supporting my claim are outlined below. 

XXXX. XXXX XXXX XXXX 

Account Details : Account Open Date : XX/XX/XXXX Balance : {$300.00} Credit Limit : {$2500.00} Payment History : XXXX days late, {$60.00} past due This account contains inaccuracies regarding the reported late payments and their compliance with consumer protections outlined in the following statutes : 15 USC 1666b Timely payments must be credited if received within the grace period set forth in the billing statement. 
15 USC 1637 ( b ) Creditors are required to disclose accurate account statements, including payment allocations and any late fees. 
15 USC 1681s-2 ( a ) Furnishers must report accurate information to consumer reporting agencies.

15 USC 1681i Consumers have the right to dispute inaccurate information on their credit file. 

I request that the CFPB investigate this account and verify whether XXXX XXXX has complied with these legal standards. 

XXXX. XXXX XXXX Account Details : Account Open Date : XX/XX/XXXX Balance : {$460.00} ( charged off ) Credit Limit : {$300.00} XXXX XXXX has reported this account as charged off as bad debt with a balance exceeding the credit limit. Under 15 USC 1681s-2, I am disputing the accuracy of the charge-off amount and whether appropriate notice was given per legal requirements. 

XXXX XXXX XXXX XXXX  Account Details : Account Open Date : XX/XX/XXXX Balance : {$220.00} ( charged off ) Credit Limit : {$200.00} This account is also reported as charged off as bad debt. I am requesting an investigation into the accuracy of this reporting under 15 USC 1681i and a review of compliance with applicable FCRA regulations.

Resolution Requested I respectfully request the following : 1. Full investigation into the accuracy of the reported late payments and charge-offs. 
2. Removal of any inaccuracies identified during the investigation.

3. Written confirmation of the resolution of this dispute.

Please find attached copies of my credit report highlighting the disputed items and any supporting documentation for your review.

Thank you for your attention to this matter. I trust the CFPB will ensure compliance with the Fair Credit Reporting Act and other applicable regulations. 

Sincerely, XXXX XXXX Enclosures : XXXX. Credit report excerpts highlighting disputed accounts 2. Supporting documentation ( if applicable )

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 2024-12-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit file by several creditors. The details of my dispute and the applicable legal provisions supporting my claim are outlined below. 

XXXX. XXXX XXXX XXXX 

Account Details : Account Open Date : XX/XX/XXXX Balance : {$300.00} Credit Limit : {$2500.00} Payment History : XXXX days late, {$60.00} past due This account contains inaccuracies regarding the reported late payments and their compliance with consumer protections outlined in the following statutes : 15 USC 1666b Timely payments must be credited if received within the grace period set forth in the billing statement.

15 USC 1637 ( b ) Creditors are required to disclose accurate
account statements, including payment allocations and any late fees.

15 USC 1681s-2 ( a ) Furnishers must report accurate information to consumer reporting agencies.

15 USC 1681i Consumers have the right to dispute inaccurate information on their credit file.

I request that the CFPB investigate this account and verify whether XXXX XXXX has complied with these legal standards. 

XXXX. XXXX XXXX Account Details : Account Open Date : XX/XX/XXXX Balance : {$460.00} ( charged off ) Credit Limit : {$300.00} XXXX XXXX has reported this account as charged off as bad debt with a balance exceeding the credit limit. Under 15 USC 1681s-2, I am disputing the accuracy of the charge-off amount and whether appropriate notice was given per legal requirements. 

XXXX XXXX XXXX XXXX Account Details : Account Open Date : XX/XX/XXXX Balance : {$220.00} ( charged off ) Credit Limit : {$200.00} This account is also reported as charged off as bad debt. I am requesting an investigation into the accuracy of this reporting under 15 USC 1681i and a review of compliance with applicable FCRA regulations.

Resolution Requested I respectfully request the following : 1. Full
investigation into the accuracy of the reported late payments and charge-offs.

2. Removal of any inaccuracies identified during the investigation.

3. Written confirmation of the resolution of this dispute.

Please find attached copies of my credit report highlighting the disputed items and any supporting documentation for your review. 

Thank you for your attention to this matter. I trust the CFPB will ensure compliance with the Fair Credit Reporting Act and other applicable regulations. 

Sincerely, XXXX XXXX Enclosures : 1. Credit report excerpts highlighting disputed accounts 2. Supporting documentation ( if applicable )

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 2024-12-05 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: NY

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following unauthorized account and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these fraudulent items be removed promptly. 
Fraudulent Account : 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 XXXXXXXX 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 2024-12-05 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: FL

Complaint narrative:
I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : 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 2024-12-05 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: GA

Complaint narrative:
Subject : Dispute of Credit Report Errors Under 15 U.S.C. 1666b, 1637 ( b ), 1681s-2, and 1681i To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report that are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Below are the details of the accounts and the associated errors : XXXX. XXXX XXXX XXXX Account Number : [ Insert Account Number ] Error : The account is inaccurately marked as In Collections/Charge-off. However, the balance shows {$0.00}, and the loan was closed as of XX/XX/XXXX. A {$0.00} balance indicates that the debt is resolved, and a charge-off status is unjustified per 15 U.S.C. 1681s-2.

The accounts remarks, Charged off as bad debt and Purchased by another lender, are contradictory and misleading. 

XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] Error : This account incorrectly reflects a XXXX Days Late payment status despite being closed with a {$0.00} balance as of XX/XX/XXXX. According to 15 U.S.C. 1666b, payments should be applied promptly to avoid such errors. 
Payment history indicates timely payments, contradicting the reported delinquency. 

Violations and Legal References : 15 U.S.C. 1666b : Requires creditors to promptly credit payments and prevent erroneous reporting. 
15 U.S.C. 1637 ( b ) : Mandates accurate billing statements.

15 U.S.C. 1681s-2 : Prohibits furnishers from reporting inaccurate or incomplete information.

15 U.S.C. 1681i : Requires credit reporting agencies to investigate disputed information. 

Requested Action : 1. Immediately delete the inaccurate charge-off status and remarks from the XXXX XXXX XXXX account XXXX 

2. Remove the 90-119 Days Late status from the XXXX XXXX XXXX  account and ensure it reflects an accurate payment history. 

3. Conduct a thorough investigation into these disputes and provide me with the results, including verification from the furnishers of the information. 

Supporting Documentation : I have attached the following : A copy of my credit report highlighting the disputed entries. 
Any additional documents supporting my claims. 

Conclusion : These inaccuracies are affecting my creditworthiness and financial well-being. I request a prompt resolution to this matter within the timeframe specified by the FCRA ( 30 days ). 

Please confirm receipt of this dispute and provide updates on your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute of Credit Report Errors Under 15 U.S.C. 1666b, 1637 ( b ), 1681s-2, and 1681i To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report that are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Below are the details of the accounts and the associated errors : XXXX. XXXX XXXX XXXX Account Number : [ Insert Account Number ] Error : The account is inaccurately marked as In Collections/Charge-off. However, the balance shows {$0.00}, and the loan was closed as of XX/XX/XXXX. A {$0.00} balance indicates that the debt is resolved, and a charge-off status is unjustified per 15 U.S.C. 1681s-2.

The accounts remarks, Charged off as bad debt and Purchased by another lender, are contradictory and misleading. 

XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] Error : This account incorrectly reflects a 90-119 Days Late payment status despite being closed with a {$0.00} balance as of XX/XX/XXXX. According to 15 U.S.C. 1666b, payments should be applied promptly to avoid such errors. 
Payment history indicates timely payments, contradicting the reported delinquency. 

Violations and Legal References : 15 U.S.C. 1666b : Requires creditors to promptly credit payments and prevent erroneous reporting. 
15 U.S.C. 1637 ( b ) : Mandates accurate billing statements.

15 U.S.C. 1681s-2 : Prohibits furnishers from reporting inaccurate or incomplete information.

15 U.S.C. 1681i : Requires credit reporting agencies to investigate disputed information. 

Requested Action : XXXX. Immediately delete the inaccurate charge-off status and remarks from the XXXX XXXX XXXX account XXXX 

2. Remove the 90-119 Days Late status from the XXXX XXXX XXXX account and ensure it reflects an accurate payment history. 

3. Conduct a thorough investigation into these disputes and provide me with the results, including verification from the furnishers of the information. 

Supporting Documentation : I have attached the following : A copy of my credit report highlighting the disputed entries. 
Any additional documents supporting my claims. 

Conclusion : These inaccuracies are affecting my creditworthiness and financial well-being. I request a prompt resolution to this matter within the timeframe specified by the FCRA ( 30 days ). 

Please confirm receipt of this dispute and provide updates on your investigation. 

Thank you for your attention to this 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 2024-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
I was approved for Chimes MyPay advance for the amount of XXXX however they do not grant the entire XXXX at once. Everyday the borrowing amount is set at either XXXX dollars XXXX dollars and XXXX dollars with a XXXX fee to accept those small advances. So instead of getting the entire XXXX advance they are merely releasing small amounts everyday. Today it's only at XXXX dollars which I can not borrow against ( it must be XXXX ). And I still have XXXX that I was approved for off the XXXX but I have no access to it. They take the entire repayment out of XXXX XXXXXXXX every time and approve me every time for another mypay advance, but again they are only allowing small increments daily at a XXXX per fee. I'm behind on rent because of this. They said there was a technical issue that would be resolved in hours they told me this twice and no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
I am writing to formally request the immediate blocking and deletion of the following unauthorized account and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these fraudulent items be removed promptly. 
Fraudulent Account : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following unauthorized account and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my consent. Under XXXX5 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these fraudulent items be removed promptly. 
Fraudulent Account : 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

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 2024-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
I took out a loan with this company and have been making monthly payments for about 5 months. On XX/XX/year> I received an email from Xact that said I could refinance my existing loan. To my understanding this means that I would get a better interest rate or lower monthly payments. After filling out the forms, I realized that what they did was give me a new loan to pay off the original loan. My monthly payments increased significantly and I now have the original number of payments. I immediately called the company to request the new terms be rescinded and my original terms be reinstated. I was told that I would have to wait one day because there would be a {$100.00} deposit to my bank account and they would reverse this payment, which they did. After this was done, I called back as instructed so I could make my normal monthly payment. I was told this would have to be made manually. The person I spoke with put me on hold and when they came back said that the new loan could not be reversed. I believe the email I received to " refinance '' my loan was deceptive and possibly illegal. This is a predatory lender that takes advantage of those with less than perfect credit. I am paying 3 times the amount of the money loaned. I just want to pay my original loan payments and be done with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: PA

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said 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 explanation
Consumer complaint received 2024-12-05 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: WI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


Account Name 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: FL

Complaint narrative:
Actions by L J Ross Associates, Inc. : 1. L J Ross Associates , Inc. continues to pursue collection of the debt without validating it.

2. They have reported the debt to credit bureaus, negatively impacting my credit score.

3. They have not provided an itemized breakdown of the charges or proof of their authority to collect the debt. 



Desired Resolution : 1. L J Ross Associates , Inc. must immediately cease all collection activities and reporting to credit bureaus until the debt is fully validated.

2. If validation can not be provided, the debt must be removed from my credit report and all collection activities must be terminated. 


XXXX XXXX XXXX XXXX XXXXXXXX should be required to confirm the legitimacy of the debt and provide detailed account records to resolve the discrepancy in the claimed balance. 



I believe the actions of L J Ross Associates, Inc. violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request the CFPB 's assistance in resolving this matter.

Thank you for your attention to this issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation