vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information on my credit report concerning an account with XXXX. The details are as follows : Creditor : XXXX Account Number : XXXX Current Balance : {$16000.00} Discrepancy : The account has been reported with inconsistent past due amounts, ranging from {$16000.00} in XX/XX/XXXX to {$16000.00} in XX/XX/XXXX. Additionally, despite the account being charged off, the balance is not reflecting {$0.00}. The payment history from XXXX shows a significantly lower remaining balance compared to what is reported on the credit report, indicating a clear inconsistency. 
Despite my efforts to dispute this information, the credit bureaus and the creditor have failed to correct it, I have attached a screenshot where at the bottom it shows the reinvestigation comment.

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

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 2024-07-28 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: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks

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 2024-07-28 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have an unauthorized inquiry from CitiBank dated XX/XX/year>, I file an FTC report and mail in proper documents to XXXX and they refuse to remove the inquiry.

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 2024-07-28 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 am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

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 2024-07-28 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 am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: UT

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information on my credit report and discrepancies in the payment history of an account with Santander Consumer USA. The details are as follows : Creditor : Santander Consumer USA Current Balance : {$16000.00} Discrepancy : The account is reported as charged off with a balance of {$16000.00} as of XX/XX/XXXX. 
Charge offs must reflect a {$0.00} balance since it was written off and 1099-c distributed.

Additionally, the payment history provided by Santander shows inconsistent balance reductions despite regular and extra payments. 
For instance : XX/XX/XXXX : The balance was {$22000.00} with a payment of {$990.00}. 
XX/XX/XXXX : The balance was {$22000.00} after a {$500.00} payment, which should have resulted in a lower balance. 
XX/XX/XXXX : The balance was {$21000.00} after a {$1000.00} payment, which was not accurately reflected. 
XX/XX/XXXX : The balance was {$22000.00} despite multiple payments, indicating that total payments were not effectively reducing the balance. 

Despite my efforts to dispute this information, the credit bureaus and Santander have failed to correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On or around XX/XX/year> I noticed a letter in the mail from XXXX XXXX XXXX, XXXX claiming that I the consumer was being sued. I am unsure as to why I am being sued by this debt collector and why I was never previously notified about this alleged debt as required by law under the Fair Debt Collection Practices Act 15 U.S.C. 1692. This debt collector is alleging that I the consumer owe a debt of {$3600.00} from a charged off account. I have no knowledge of this account or ever entering an agreement with XXXX XXXX, furthermore this is the first initial communication I have ever received from this debt collector and it is in the form of a civil lawsuit being filed against me. This is abusive, deceptive and unfair, I the consumer am being taken advantage of and this misconduct has caused me severe stress, anxiety, and mental anguish. My privacy has been invaded and I have been injured. 

On XX/XX/year> I mailed a correspondence to this debt collector informing them that I was invoking my right to verify the validity of the alleged debt. The debt collector has not responded. Please see attachments as evidence.

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 2024-07-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XXXX of XXXX  I had built my credit score to XXXX. Unfortunately, I noticed that there were several irregularities with 3 bank accounts. XXXX XXXX someone charged approximately {$3000.00} which was quickly resolved by the bank and they said it was clearly fraud. XXXXXXXX XXXX was the same issue, I not only had a great score but my balances were reduced due to a {$30000.00} pay increase and XXXXXXXX XXXX wiped out {$5000.00} in charges in a XXXX second call. I had a Best Buy Card backed by Citibank. It had no balance going into 2022 or at least the very beginning. XXXX initially said no problem, we will resolve this. I was just told not to worry. I was never told to do anything. The charges were aligned with the other bank issues where someone spent more than {$2000.00} in XXXX. I dont live in XXXX and I dont work there and I have not been there in years ; especially since COVID. 
I heard nothing from anyone until XXXX, well over 30 days and 90! I only knew about it because they sent me a late payment letter. 
I never missed one payment on my Citibank card or Best Buy which again was paid off going into the year. 
I was told that I didnt get cleared by someone in their fraud department because I didnt file a police report. 
I did so immediately but they said even if I did it immediately there wasnt much they could do. 
I sent forms to Best Buy/Citi stating that the day of the transaction was the same day as I started a new job and that I was not in XXXX that day. They claimed that they called me and I approved the transactions. It was a laptop and headphones. My company provided me a laptop so I dont know why I would go to XXXX to buy a laptop the first day of my new job! And I also sent my phone records for the day and I didnt see any calls. Even if they did theres still a probability that I didnt get it or ignored it or any number of reasons like rushing another junk call off the phone. I would not have approved if I knew.

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 2024-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Guild Holdings Company
State: CA

Complaint narrative:
The Mortgage Company financed the mortgage loan and XXXX ( rehabilitation ) loan together on closing. 
The mortgage company did not disburse the loan due to issues that emerged after the closing ( ex. unable to have the property permitted for 100 % residential use ). Of note, the company ought to have verified the permit from the contractor before closing the loan ) ; however, it did not. 
Due to mortgage company 's lack of cooperation to resolve the issue initially, I filled a complaint in 2022. 
The mortgage company responded through CFPB that it can apply the unused loan to my principal ( see attached document ). 
It has been more than 2 years since I made a request asking the mortgage company to apply the unused loan to my principal but I keep getting 'run arounds, ' and on many occasions, no correspondence from the mortgage. 
PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Starting XX/XX/year> and most recently XX/XX/year>, I received about 20 phone calls so far. Here are the details. Either Comenity Bank with different phone numbers or Unknown Caller appears in caller ID of repeated calls in which the caller sometimes leaves a message asking for a XXXX XXXX. 
I have not had a chance to tell them they have the wrong number. Either they hang up or its very inconvenient timing. 
These calls are not for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: NV

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: PA

Complaint narrative:
Recently i looked at copy my credit report and noticed several inaccuracies on my account, this account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
please delete as soon as possible.

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 2024-07-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EGL US, LLC
State: FL

Complaint narrative:
I previously reported this furnisher to CFBS and at first was very satisfied with the response. I was told my status would be updated to Paid In Full. I asked the representative to repeat to me what the updated status would be and she verified it. This is not what was done. It was reported as Paid In Full, was charge off, which is totally different. The employee response was verified AND recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: DISCOVER BANK
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ). 

I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself, XXXX XXXX XXXX, Last 4 of XXXX : XXXX, XXXX : XX/XX/year>. Please delete the following accounts. XXXX XXXX XXXX Vacations bal. {$15000.00}, XXXX XXXX XXXX. {$9100.00}, XXXX XXXX XXXX XXXX XXXX. {$6800.00}, XXXX XXXX XXXX bal. {$340.00}. 

Thanks for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: FL

Complaint narrative:
Conns home plus has been calling me relentlessly for 3 days. I spoke to them on thursday and told them ill make my payment when i get paid on XX/XX/year>. On saturday XX/XX/year> they called me XXXX times from XXXX to XXXX and 4 times from XXXX to XXXX. I spoke to them on the XXXX call of the day i told them i was at work anc could not speak today and informed them not to call me again this day. They hung up on me and continued to call an additional XXXX times from XXXX to XXXX. The XXXX in XXXX rules is XXXX calls in 7 days and no calls for 7 days after contact was made which was on XX/XX/year>. This is harassment and is interrupting my work this must stop. I asked them to stop and they have refused. I have attacked a screen shot of their calls to me for XX/XX/year>. There were XXXX calls on friday XX/XX/year> and have already been XXXX calls today XX/XX/year> and its only XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: NV

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: NV

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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:
Subject : Dispute of Debt and Cease and Desist Communication Request under 15 USC 1692 ( c ) Dear XXXX XXXX XXXX aka XXXX I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the account referenced as [ Account # XXXX ], which you claim I owe. I am formally disputing the validity of this debt in its entirety and requesting that you provide verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

In accordance with 15 USC 1692 ( c ) of the FDCPA, I request that you cease all communication with me regarding this debt, except as required by law. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact. 

If you fail to comply with these requirements my rights as a consumer are to seek legal action ( sue ) against your agency ( XXXX XXXX XXXX ) for violations of the FDCPA. This could result in actual damages, statutory damages up to {$1000.00} or more per violation and attorneys fees and costs. 

Ive attached my consumer report from all XXXX credit bureaus ( XXXX, XXXX XXXX XXXX TransUnion ) that your agency ( XXXX XXXX XXXX  ) is reporting this alleged debt. 

Thank you for your prompt attention to this matter. I expect to receive confirmation that you have received this dispute and cease communication request within 30 days or delete this alleged debt from my consumer reports.

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 2024-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Charge for {$490.00} from a XXXX XXXX  company. My XXXX is absolutely fine. Looking online this company is accused of fradulent charges being made. ( XXXX XXXX XXXX  ) Submitted dispute to Goldman sachs about 5 times with rejections on each attempt. No proof of legit charges ever been shown to me. Need this off my report. Over 40 years of unblemished payments and such. Please provide me with whatever info is being used to prove this charge is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I requested {$300.00} on Venmo to my mom. My account was on frozen. Everything is fine. As soon as I received the {$300.00} Venmo froze my account with no reason why no one can tell me what happened or why. Im stuck in Arkansas with my children, and that was the only excess to money that I have. I can not feed my children. Ive been dealing with this since last Friday and now theyre telling me its gon na be another 3 to 5 business days on Monday. I do not know what to do this is extremely important, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under USC 1681. I have the right to privacy according to 15 USC 1681 section 604 ( a ) ( 2. ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit. If not removed, I plan on seeking legal action against your company.

Company response to consumer: Closed with explanation