vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I received a ding or hit of XXXX points for a {$88.00}. I called the company XXXX company name Transworld Systems and they would not give me any info other than the debt is from XXXX XXXXXXXX and is from XXXX years ago. I asked them for the account or any information they did not give it to me. They refused to give me any info said fine give us fraud records there is no record I want the invoice or docs they then said they had to contact XXXX XXXX and they did not have it. I also pointed out it is older than XXXX years they insisted its when they buy the debt. I called in again and asked about 3 times they did not know or have any info. They said they can't do anything even one time they even said I have to send them documents when I have no idea what it is. I called XXXX and they still did not have anything. I don't owe the money and could not get a document as to what it is etc. I filled a dispute with the Bureu they Insist I owe it and reported it as from this year. I never have had XXXX I have had XXXX XXXX XXXX XXXXr 10 years and then version. Once I told them that they also claimed I had a version account as well. This company is a scam! 
I even called XXXX they said it was a mistake and I did not owe them money!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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: EQUIFAX, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I found multiple incorrect accounts on my credit report that I didn't authorize. Kindly block and remove them 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 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: TX

Complaint narrative:
I have reached out to both party to remove these hard inquiries from my credit report due to identity theft. I have uploaded my police report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There was fraudulent transactions made on my Consumber Report, There are two accounts from the same compnay clainimg that I have done business with them in the past, I have no knowledge or no record of these transcations taking place.

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: DE

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I receive phone calls from Jefferson Capital Systems LLC on a weekly basis for someone named XXXX XXXX. I have had this number since 2013. This started about 5 years ago and has not stopped. I am not XXXX XXXX nor do I know her. Every time I answer the phone and ask to be removed or tell them they have the wrong number, the caller just hangs up in my face and continues to call. This time I told the caller who identified themself as XXXX that I was XXXX XXXX and XXXXXXXX XXXX XXXX by the way, just to keep XXXX on the phone long enough to get her information. She stated she was trying to collect a debt for a credit card on behalf of Jefferson Capital Systems LLC and her contact number is XXXX. Once I got the information then I explained to her that I was not XXXX XXXX and that for years this company has been calling my phone harassing me and that I would be reporting them. XXXX began yelling at me as if I did something wrong and telling me that it is a robocall that she did not dial my number. I want them to stop calling me please.

Company response to consumer: Closed with explanation
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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows several unauthorized and incorrect accounts. Please block and remove these fraudulent entries right away.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
My car was flooded during XXXX XXXX. 
I reported the incident and was told to continue to make your monthly payments. I am flabbergasted and this is unsettling and overwhelming that I lost my vehicle due to an act of God so now I am left without a car but still managed to get threatened to continue to make payments towards said vehicle. Today I learn that I am late on a payment and still owe them thousands of dollars this is obsurd. I want this account to be closed and marked as satisfied as I made 24 on time monthly payments up until the month that my car was damaged. This vehicle was paid off they are trying to get interest fees off of something that is dead the car is dead and I will be if I do not have a way to get a vehicle so that I can continue to work and take care of myself. 
I will be filling other complaints and will bring attention to this matter until it is resolved. 
Not to mention to this date no one from Credit acceptance has called me about the vehicle at all but they know that I no longer have the vehicle and they lie

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number # XXXX XX/XX/XXXX - Went to purchase a car from the dealership. At the time of purchase, I was trading in a vehicle that held a payoff balance of {$36000.00} with another finance company. The dealer and I contacted the current financial company, Infinite Financial Services to verify that the payoff balance listed on the letter I provided was accurate. The payoff balance at the time was {$36000.00}. The dealership process that information as part of my new loan finance and informed me that they will issue payment to Infiniti once sale id closed. I purchased the vehicle, closed out the sales order, and drove my new vehicle home. Later that evening I check the balance on my account and was given {$36000.00}. 
XX/XX/XXXX - An automatic payment was processed from my bank account to Infiniti for {$450.00} that I could not overturn because I failed to discontinue autopay. However, I noticed that there was also a manual payment for the same amount in process for XX/XX/XXXX which I was able to callback. 

XX/XX/XXXX - I confirmed with my bank and Infiniti FS that the XXXX payment for {$450.00} was reversed. I also received an updated payoff balance letter of {$36000.00}. 

XX/XX/XXXX - XXXX XXXX XXXX XXXX  XXXX Infiniti to verify the payoff balance and was given {$36000.00}, which was the amount that they paid to Infiniti FS in order to receive the vehicle 's title. 

XX/XX/XXXX - Per Infiniti FS 's portal payment history page, my account balance was {$0.00} and the title had been released to the dealership. 

XX/XX/XXXX - I called Infiniti to discontinue some of my services when I learned that I had a balance due on the account for {$470.00} because the payoff payment was than the payoff amount mentioned on the letter. 

XX/XX/XXXX - I called and asked that the account be closed out and was refused. 

XX/XX/XXXX - I called back requesting the account be closed out and was informed that if I do not make the payment that I would be reported to the credit bureau for delinquent payment. 

My complaint is Infiniti Financial Services is attempting to hold me responsible for an error on their part for provided XXXX XXXX XXXX 's loan servicer with accurate payoff information different from their payoff letter after all payments and transactions were settled, resulting in a short payment from the new loan servicer. And they released the vehicle under the basis that the account balance was paid in full as mentioned in contract and on their automated services. However, they are looking for me to pay the remaining balance for their error.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 a car loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Dispute of Unauthorized Credit Charge off account Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized charge off account that appear on my credit report. I did not authorize these charge off account and I am requesting that they be removed immediately. 

REMOVE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX Account XXXX Date opened : XX/XX/XXXX Date XXXX XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these charge off account are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized accounts and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized charge off account highlighted for your reference. Please notify me in writing once the accounts have been removed or if you need further information to process my dispute. 

Thank you for your prompt 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 non-monetary relief
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 — Their investigation did not fix an error on your report
Company: EA Holdings Corp.
State: NC

Complaint narrative:
There was fraudulent transactions made on my Consumber Report, There are two accounts from the same compnay clainimg that I have done business with them in the past, I have no knowledge or no record of these transcations taking place.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was looking at my credit report, and I noticed a few things wrong with the bankruptcy listed. First the account listed below should show to be included in the bankruptcy listing but they are reporting inaccurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Included in Bankruptcy When the bankruptcy was filed, the above accounts were part of that bankruptcy filing. Please fix, correct, and update my credit report. If the furnisher comes back and verify that the item should be outside of the bankruptcy, let me know so that I contact that furnisher and hold them accountable for reporting inaccurate information to you and the other three bureau. I know that you company will do the right thing and fixed the inaccurate account listed above.

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: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am trying to add a security freeze to my Experian credit report. This is the second time I have come across this issue and the company 's canned response does not solve the problem. When I try to log in, it says it can not verify my identity, then refers me to a phone number. When I call the phone number, I get stuck in and endless loop that will never transfer me to a person to assist, even though the website refers me to call for assistance in the first place. Now they have programmed their robo answering service to literally hang up on people whether or not you agree to use their website. This practice is abusive and fraudulent. The company does not provide any appropriate customer service under any circumstances. I am trying to add a credit freeze but I am unable to do so. I should not have to mail in sensitive information in order to add or remove a credit freeze, particularly when there is an online option and there is a phone option. Neither of these options work, and the company has clearly designed their website and phone to be unhelpful and abusive in order to prevent consumers from requesting freezes or any other assistance whatsoever.

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: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This issue is ongoing. I have been, and currently still am, getting multiple phone calls a day from Portfolio Recovery Associates. Anywhere from 5-10 calls a day. I have told them to stop calling. I have stated numerous times to put me on their do not call list, and that my number is on the registered do not call list. They continue to call and harass me daily.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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