vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision ( FTC ). My grievance is directed towards XXXX, XXXX, and Transunion for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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 2024-10-24 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: MN

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX - {$18000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$370.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$130.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$1000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C 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 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This letter serves as a formal demand for the immediate removal of the account you are reporting under the above-referenced account number from my credit report. The account is frivolous and invalid due to your failure to present the legally required documentation to substantiate your claim. I do not owe the alleged debt, and in accordance with federal law, you must cease reporting inaccurate information. You are currently listed as LVNVFUNDG on an open account with the XXXX consumer report claiming I owe your company a past due amount of {$950.00}. The report says I am 120 days delinquent with the last payment being XX/XX/XXXX. The last payment amount shows as {$0.00}. 
On the XXXX consumer report your company is listed as LVNV FUNDING with date of last activity of XX/XX/XXXX and also showing as open I have not had any business with your company or received any consideration to owe your company anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Account info Account name RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$640.00} Balance updated XX/XX/XXXX Recent payment - never done business with company debt isn't authorized and shouldn't be reporting to my personal credit please have company remove fcra law code 18usc 1028a didnt not give permission to report unauthorized information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: OK

Complaint narrative:
Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Funding LLC - : unauthorized account opened XX/XX/XXXX the amount of {$1200.00} LVNV Funding LLC- : unauthorized account opened XX/XX/XXXX the amount of {$910.00} XXXX XXXX XXXX XXXX unauthorized account opened XX/XX/XXXX the amount of {$1400.00} I was just notified about the two LVNV funding accounts on XXXX XXXX I reached out to the company they told me they did notice several errors on the accounts and they look fraudulent I called my local police department they told me they couldnt do much and to file for identity theft I filed for identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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:
I did not permit this inquiry, and I have not had any contact with this lender on the date mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: NY

Complaint narrative:
My Chase business account has being card frauds since XXXX XXXX XXXX4 when Im in XXXX for vacation ( XXXX XXXX XXXX ) When I get back to XXXX and XXXX to my local Chase branch ( on XX/XX/year> ) to report I have a few transactions that is not made by me which is XX/XX/year> amount of {$1400.00} ( XXXX  ), XX/XX/year> amount of {$540.00} ( XXXX XXXX ), XX/XX/year> amount of {$680.00} ( XXXX XXXX XXXX XXXX ), XX/XX/year> amount of {$140.00} ( XXXX XXXX XXXX , and XX/XX/year> amount of {$940.00} ( XXXX XXXX XXXX XXXX ). On XX/XX/year>, I noticed that there one transaction is not refund which is the amount of {$940.00} made on XX/XX/year> of XXXX XXXX XXXX XXXX. So I went to the same local branch again to see what is going on. The lady help me to call Chase Secure Center and what they said is they already refunded the money I reported and printed out a sheet show which transactions they already refund but theres no show the amount of {$940.00}. The secure center agent said they can reopen the case and just fill out a sheet of paper and upload, so I did everything in the branch and the bank agent upload documents for me. Two weeks later, I still didnt received anything from chase so I went to the same local bank on XX/XX/year> to see what happened, a guy banker help me to call XXXX XXXX and what they said is the case is close due to overtime ( 30 day ). So I wonder now if it is over 30 days why chase bank dont tell me the first place ( on XX/XX/year> ) and saying that they will reopen the case and upload the documents. Now I waste two weeks waiting on this, and didnt get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TN

Complaint narrative:
I have recently reviewed a copy of my credit report and noticed that there is an account that I did not open or authorize anyone to open up on my behalf. There are also Hard inquires that I did not do or authorize anyone to do on my behalf. These accounts and inquires are hurting my ability to obtain credit.

Credit Card Opened by the Thief Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$350000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-24 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: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
Barclays XXXX XXXX XXXX XXXX XXXX XXXX made a fraudulent application onto my credit I did not make. This has negatively impacted my credit. sent an application XXXX made on XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this letter is dated on XX/XX/year> saying that all or part of the applicants income derives from any public assistance provided the applicant has the capacity to enter into a binding contact because all or part of the applicants income derives from any public assistance program. I have exercised a right under the consumer protection act. It says the fed agency that administers compliance with this law concerning Barclays is the neural of consumer financial protection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that the naviest rewards credit card is issued by Barclays Bank Delaware 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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.

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 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: KS

Complaint narrative:
XX/XX/year> I had a deposit hit from fidelity for my XXXX balance withdraw. I then went to uhaul to get a uhaul truck to finish the moving process from XXXX ks to XXXX ks. XXXX purchased in XXXX costing around XXXX . No transaction problem. At a gas station in XXXX ks, I was attempting to purchase a energy drink and a pack of cigarettes before I tried to head to XXXX. Costing roughly XXXX XXXX My transaction declined, and at XXXX XXXX I make a call to chime that lasts XXXX minutes and XXXX seconds. They fixed my card with whatever issue was causing the decline, failed to give me a reason for the decline. But nonetheless my purchase was approved. Then I head to XXXX ks and at XXXX XXXX I am making a call again to chime because I was attempting to use my card at XXXX. Transction costing roughly XXXX . The transaction was once again declined, so I was calling to figure out the situation. The agent on the phone did not give me a reason but was saying my account was closed for I believe he claimed identity theft, and was stating that this was a no refund action that I could do nothing about. This call lasted 31 min and 31 sec. I call back at XXXX XXXX  and come to no conclusion. Call lasting 15 min and 22 sec. I call again at XXXX. 13 minutes and 1 sec. And once again I call back at XXXX XXXX  requesting for a supervisor and that call once again went nowhere only lasting 4 minutes.

I recently have been between jobs so my direct deposit was not hitting my account for roughly 1 month. I have had a recent change of phone number and address that I attempted change for my account during my call at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-24 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: FL

Complaint narrative:
I am submitting a second formal request to correct my credit report. In my previou dispute, submitted on XX/XX/XXXX, I have not received an adequate or satisfactory response regarding the incorrectly reported late payments.

It is important to note that the payments in question occurred during the COVID-19 pandemic, following my job loss due to the crisis. Under the CARES Act, signed into law on XX/XX/XXXX, and extended until XX/XX/XXXX, credit reporting agencies were required to stop reporting negative information for consumers affected by the pandemic in certain circumstances. This law amended the Fair Credit Reporting Act ( FCRA ) to protect consumers like me who experienced financial hardship due to COVID-19-related job loss.

I am requesting that you review the late payments listed on my credit report during this period and update the information to Paid/Agreed for the applicable months and years. This dispute refers to the following incorrectly reported payments : XXXX XXXX XXXX XXXX XXXX XXXX  Since I have already attempted to resolve this matter, I will proceed to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), as is my right under the FCRA, if I do not receive a satisfactory response and correction of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon nor did I sign an agreement. A legal contract is has two signatures of both parties and I did not participate in any of it. Furthermore this debt collector didnt follow the proper 5 step validation procedure which then makes this unfair practices. So, according to the FDCPA I am entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Follow-up Complaint Failure to Correct Inaccurate Reporting and Verification Issues Dear CFPB Representative, I am writing to aggressively follow up on my initial complaint regarding inaccurate and conflicting reporting on my credit report by Equifax, XXXX, XXXX. The account in question has been improperly verified, and no corrective actions have been taken to align with the Fair Credit Reporting Act ( FCRA ) 611, even after my formal dispute. This lack of resolution is unacceptable.

Despite my previous complaint, the following inaccuracies remain : XXXX XXXX XXXX XXXX XXXX 1. Charged-off account still reporting a balance Violates proper reporting guidelines as charged-off accounts should not carry balances.

2. Multiple Date Opened entries Three conflicting dates are listed, contributing to erroneous reporting.

3. Past Due Amount listed on a charged-off account An inaccurate status that misleads the creditworthiness of the account.

4. Inconsistent dates for key account events : Date Last Reported Comments Section Date of Last Payment Date Last Active Date Opened Account Type This mishandling of data reflects non-compliance with the FCRAs requirements for accurate and fair reporting. The continued presence of such discrepancies on my credit file directly harms my credit profile and financial opportunities.

I demand that the CFPB take swift action to investigate this matter thoroughly and ensure that [ Equifax, XXXX, XXXX ] corrects the reporting immediately. Additionally, I request that all inaccurate data related to this account be promptly removed or corrected to reflect the correct information. 

Should this matter remain unresolved, I will explore all available legal avenues, including filing additional complaints with federal and state agencies or pursuing legal action, to ensure that my consumer rights are protected. 

Please treat this letter as a formal and urgent request for action. I expect a written response within 15 days confirming the specific steps taken to resolve this issue. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: MA

Complaint narrative:
My name is XXXX XXXX My XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Credit Bureau : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : LaXXXX XXXX XXXX XXXX : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( XX/XX/XXXX ) regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made + by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 18 I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's 164 office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for willfulw non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Experian and XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
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 2024-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I have emailed, called numerous times, and even physically mailed documents. However, they keep denying my student loan forbearance benefits that I receive through the XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation