vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it XXXX concern, thank you for taking the time to help me with this matter. It has been very stressful for me as I am currently shopping for a mortgage and have put it on hold because of this issue. My XXXX XXXX through Experian is XXXX. XXXX is XXXX. XXXX is XXXX. Unfortunately I am being told that mortgage lenders use the lowest score. I do not understand this but i guess that is the way it is. I have contacted Experian numerous times over the past few months as to why my XXXX XXXX is XXXX points lower then my highest and XXXX points lower then my middle score. Every time I get connected to a representative from Experian I get the same answer. That answer is that they use a different model to rate credit scores. I understand that however, I can see if it was a difference of maybe XXXX or XXXX points but I think XXXX points is excessive. I feel that there is something wrong with how Experian is scoring my credit. I have researched my credit report through all XXXX bureaus and all the information is the same including lenders, accounts and all other aspects. There is only XXXX thing on my Experian credit report that is negative and that is a late payment issue during a time when I was struggling financially. That negative issue is over XXXX XXXX XXXX and while I know it stays on your credit report for XXXX  years why is it impacting my XXXX XXXX over that amount of time at XXXX points. This late payment issue is not even on my XXXX or XXXX report. This is effecting me from getting a better mortgage rate as a first time homebuyer. The amount of times I have contacted Experian and all I get is there is nothing we can do response is getting old now. I have even tried to use Experian boost for my score but they said Experian boost was not working at the time. In conclusion I feel that I am being misled and mistreated by Experian. There should not be a XXXX point difference between Experian and the other XXXX bureaus. Something is not correct and I am hoping you can help me get some feedback as to what Experian is doing to my XXXX XXXX in such a negative way. Thank you for your time. Please take note that my Experian score never seems to go up that often instead it always drops while the others go up more often.

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 2024-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
XXXX writing to formally complain about the actions of XXXX XXXX XXXX in relation to a debt they have re-reported on my credit report. Over a XXXX  ago, I had this debt removed from my credit report because it was the result of identity theft. Despite this, XXXX XXXX XXXX has recently reinserted the debt without notifying me or providing any form of verification. 
I am incredibly XXXX  and XXXX  by this situation. I worked hard to fix the damage to my credit after the identity theft, and XXXX appalled that this fraudulent debt is now back on my report. This has hurt my XXXX XXXX, caused me undue emotional XXXX, and negatively affected my ability to move forward financially. I shouldnt have to keep fighting to remove something that was already resolved. 
To make matters worse, I never received any notice that this debt was going to be added back to my credit report. The law says I should have been informed, but that didnt happen. They didnt verify the debt before re-reporting it, which is a clear violation of my rights under the Fair Credit Reporting ACT!! Not only is this debt inaccurate, but their handling of it is also unlawful.

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 2024-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 non-monetary relief
Consumer complaint received 2024-09-15 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: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CL Holdings LLC
State: FL

Complaint narrative:
Before repossession try to contact the company they never responded until vehicle was repossessed with deceptive, XXXX  tactics on my job. Made agreement for {$900.00} and a monthly payment of $ XXXX. They refused to give anything in writing but threatened if payment is not made on time vehicle will be repossessed. After receiving vehicle there was damage on vehicle which will cost almost {$1000.00} to replace broken lights back & front of vehicle assuming from towing and storage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: FL

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 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 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CARD Corporation
State: OH

Complaint narrative:
I stayed in a hotel on XXXX that ran a preauthorization hold on the card ( I paid for the actual stay in cash ), the hotel charged {$46.00} but the card placed a hold on {$70.00} the hotel batched out but the charge stayed on my account as a " pending transaction '' for over a XXXX  and now it is no longer showing as a pending transaction or a posted transaction it's just gone but the money has not been returned to my balance. The card did this with some smaller transactions ( $ {$11.00} XXXX  for XXXX XXXX and {$7.00} for XXXX ) they are stealing money since this is a prepaid card they are just stealing the money and it's disgusting. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc.
State: CA

Complaint narrative:
We were sold a fully self driving XXXX to make my wifes long commute to work easier. When we inquired about challenges with the fully self driving feature that appeared during the XXXX XXXX ( it literally almost crashed multiple times ), the store salesperson told us it would be fixed with a software update. It has not been fixed. My wife now drives to work manually because she is not comfortable with the feature that enticed us to buy the car. So basically we paid an XXXX deposit, financed XXXX and went through an awful, dishonest sales process for nothing. I have filed multiple complaints with groups including XXXX ethics department, a third party ethics firm Confluent ( or something ) who apparently helps XXXX with stuff like this and with multiple government agencies and have gotten no response. However, a lawyer from XXXX did look at my XXXX profile if that counts for anything. It would be great if someone from XXXX would reach out to me to at least talk about my experience. This is the definition of criminal. Their CEO, XXXX, seems to be much more preoccupied with tweeting ( XXXX? ) made up nonsense about the presidential election than with properly running a company that makes machines that can kill people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt because I have never done business with your company. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach the following documents : Agreement that you have authority to collect this alleged debt Assignment contract that bears signature of the alleged debtor with promises to pay the original creditor XXXX payment history on this account, to prove that the amount you wish to collect is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercury Financial Intermediate LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX This company is reporting on time payments that were never issued in order to re-age this account and make it more appealing to collection agencies. They aree claiming to have recieved payments XXXX, XXXX and XXXX of XXXX. I would have made no payments to this account during this time. They are also reporting on time payments fro, XXXX XXXX XXXX thru XXXX of XXXX. This information is false as I would not have been able to make any payments during this time period. I have request proof and method of these payments and have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 16 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 collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of ( private ) and a collections account opened at XXXX XXXX XXXX I on XX/XX/year> under the account number ( private ). These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached 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 ( # private case number ) 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 2024-09-15 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: GA

Complaint narrative:
I have a XXXX XXXX account on my credit report that has an inaccurate first date of delinquency. I have reached out to XXXX XXXX  and the company has provided statements for XXXX 
The statements show that the account went over 30 days delinquent in XX/XX/XXXXXXXX  however the company is inaccurately reporting the first date of delinquency at XX/XX/XXXXXXXX 
I have disputed it and provided evidence however the credit bureaus have not updated this even though I have provided accurate evidence. 
This account should no longer be on my credit as of XX/XX/XXXX as it is past the 7 year statue of limitation

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 2024-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX XXXX I received XXXX welcome emails from Chime indicating that I had opened a new account and should be on the lookout for a new debit card soon. 

I've never done business with Chime. 

On XX/XX/XXXX I called to inquire about the account being opened in my name, indicated that any account in my name should be closed since I didn't consent to it, and I asked for a receipt of our conversation. The first representative hung up on me. 

When I called back I was connected to a different representative XXXX XXXX XXXX who said she had no record of my email address being connected to any account. I asked to speak with a supervisor and that request was denied. 

Subsequently I received a XXXX email from Chime to say that my profile had been updated changing my email address on file from XXXX to XXXX. Because of this, I suspect this XXXX company is creating accounts without consent and should be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: MA

Complaint narrative:
I am writing to dispute inaccurate information currently appearing on my credit report regarding several accounts that continue to be erroneously reported as linked to a bankruptcy, which has been removed from my credit history. This is in violation of 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of the information they maintain. 

Affected Accounts : XXXX CARD - Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX - Account # XXXX Since these accounts are incorrectly linked to a bankruptcy that has already been removed from my credit report, I am requesting their immediate removal to ensure the accuracy of my credit history, as required by 15 U.S. Code 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Kindly remove this information from my credit report within XXXX business days, in accordance with section 605C of the Fair Credit Reporting Act. I would appreciate a notification regarding the actions taken. Thank you for your swift attention to this issue.

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 2024-09-15 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: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2024-09-15 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.
State: GA

Complaint narrative:
I have a XXXX  bank account on my credit report that has an inaccurate first date of delinquency. I have reached out to XXXX bank and the company has provided statements for XXXX. 
The statements show that the account went over XXXX  days delinquent in XX/XX/XXXX however the company is inaccurately reporting the XXXX  date of delinquency at XX/XX/XXXX. 
I have disputed it and provided evidence however the credit bureaus have not updated this even though I have provided accurate evidence. 
This account should no longer be on my credit as of XX/XX/XXXX as it is past the XXXX  year statue of limitation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BELMONT FINANCE LLC
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. XXXX and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.

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 2024-09-15 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. XXXX and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.

Company response to consumer: Closed with non-monetary relief