vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
From XXXX I have been in and out of XXXX  with some with time length in between these years. My fianc and I were Car Theft Victims in XXXX  which exposed my personal and business identity. Due to these situations and unfit and unsecured environments of XXXX  along with the strong possibilities of my sons mother and daughters mother having my information, Im convinced my identity has been compromised and exposed to identity theft. I have filed Identity Theft with Federal Trade Commission through IdentityTheft.Gov. I have accounts that Im unaware of along with inquiries addresses and negative accounts on my credit that I need to resolve. I am in an era of my life where Im investing personally and in business. This is taking and having an affect on my everyday living. I would like to have these removed and resolved as soon asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I respectfully ask for your cooperation in deleting the late payments that were noted from my account history. I cherish my good connection with the Creditors and pledge to make sure that future payments are made on time and with more consistency. 
XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative XXXX 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed.

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 2023-11-28 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: CT

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
XXXX of 2023 I sent XXXX to clean up credit never happen then company took XXXX buck I called to cancel service didn't happen so I changed banking info and wasn't reimbursed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
CONNEXUS CU XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.

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 2023-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Southern Auto Finance Co
State: CA

Complaint narrative:
i called Safco to get a copy of my finance contract with reference to my XXXX XXXX XXXX trade in value amount of {$4000.00} for the XXXX XXXX XXXX XXXX i traded in to the XXXX dealerships said they would apply an additional car vehical trade in twards the loan and in addition to the cash down payment of {$10000.00} plus my Used Vehicle asking {$21000.00} as is, but XXXX sold a unnecessary extended warranty I soon canceled when I learned I that warrenty i was sold was for only the coverage of XXXX mile the seller was so ambiguous in selling me a. {$4000.00} auto warrenty. Stated I was buying a XXXX mile warrenty when the vehical already had over XXXX miles I soon learned i was played.The XXXX XXXX XXXX in XXXX. I need help with my contract because Im making all my payments and for XXXXXXXX XXXX payment due XX/XX/XXXX I scheduled a late payment to come out of my account on the XXXX only XXXX days into the due date, how I already have an statment notice of {$940.00} past due. I did a deferment last month or previous month because I felt like my payments where back to back every two weeks, i tried to reach out to XXXX about my XXXX trade. in and they never respond and so i asked Safco to furnish my contract that reflects my trade in and they reported that they received only cash {$10000.00} no trade in? is this contract invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
As of today, XX/XX/2023 Thursday, I am NOT allowed to log in to my account with Paypal at Paypal.com. I have used this service for XXXX years. It is currently active and within the last months have charged purchases through XXXX and others which are charged to my credit card. Today, XX/XX/2023 I tried to log in to my account using my email address of long standing to examine questionable transaction charged to my bank account. After I entered my email address ( which it uses as the account ID ) and before I entered my password, it sent a confirmation code to me email account which I received and successfully entered. I entered my password. THEN, it now demands that I give them my cell phone " Mobile '' number and will not log me in without it. This web page does NOT provide an option to skip it. I am stuck. They do NOT have a right to have this information. I do NOT want them to have it. They have NO valid justification to require it. They have NO need for it. This is a violation of privacy. And what if one does not have a cell phone number? Permanently locked out. FURTHER, the Paypal terms of service " Paypal User Agreement '' does NOT require the user to furnish their cell phone number. It says : " If you provide us your mobile phone number ... '' Note that is " IF '' which means it is OPTIONAL. So they are violating their own terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I respectfully ask for your cooperation in deleting the late payments that were noted from my account history. I cherish my good connection with the Creditors and pledge to make sure that future payments are made on time and with more consistency. 
XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative . 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: GA

Complaint narrative:
I am writing to file an urgent complaint regarding fraudulent items that have appeared on my credit file. It has come to my attention that there are inaccuracies in my credit report resulting from fraudulent activities, and I am requesting an immediate and thorough investigation into these matters. 
I understand the gravity of identity theft and the potential harm it can cause to my financial well-being. Therefore, I request that you prioritize the investigation of these fraudulent items and take swift action to remove them from my credit report. 

Enclosed with this letter, please find supporting documentation related to the fraudulent activities, including any police reports, identity theft, or other relevant evidence. I have also taken the liberty of marking the specific items in question on the copies of my credit report that I am providing for your reference. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct an immediate and thorough investigation into these matters. I expect the results of this investigation to be provided to me within the legally mandated timeframe. Additionally, I request that you notify all relevant creditors and parties involved of the fraudulent nature of these items and ensure that they are promptly removed from my credit report. 

Given the urgency of this matter, I kindly request that you expedite the resolution process and keep me informed of the progress throughout. I can be reached at the provided phone number or email address for any further clarification or information you may require. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My information with Equifax has been breached and here is the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A duffle bag was purchased from the company XXXX for {$85.00} on XX/XX/XXXX, but was never sent. The company stated they would provide tracking information when the bag was shipped, they never did. The company ceased to response to all of my efforts to reach out to them. I attempted to contact them XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no response ever received. I filed a dispute with my credit card company, Citi Bank, on XXXX when it was clear that the merchant had no intent of providing the product I purchased. They contacted the merchant on XXXX and the merchant did not respond until XX/XX/XXXX. The dispute was resolved in the merchants favor on XX/XX/XXXX, leaving me to still pay for the unreceived product. Citi Bank never asked for any supporting documentation from me, showing that I never received the product and tried multiple times to reach out to the merchant.

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 monetary relief
Consumer complaint received 2023-11-28 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: IN

Complaint narrative:
I disputed a {$2000.00} loan I got through XXXX! It took over 2 months! A regular bank would have took 1-3 days! XXXX told me I didnt need to keep making payments! I figured I would get refunded my money and no longer have that loan within a month anyway! Once I saw my score dropped XXXX points on Experian, I then paid the loan in full! They finally disputed and refunded me my money back soon after. But my score is still low, it still shows I owe on that loan, and it still shows I have a late payment when I was told I didnt have to keep making payments! Funny how my score never increases when I make the payments, but soon as I stop, my credit score takes a hit!

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion is in fact still reporting inaccurate information on your TransUnion 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 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I respectfully ask for your cooperation in deleting the late payments that were noted from my account history. I cherish my good connection with the Creditors and pledge to make sure that future payments are made on time and with more consistency. 
XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative XXXX 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed.

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 2023-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I called CAPIO partners bc they sent a text to begin with without my permission and I called in because I wanted to make sure it was valid. Upon calling XXXX my name and the first call was with a young lady and she gave me all my information during the verification which means that anyone can call and say their me and get my personal info that was a flag then I asked her about settling the account according to the text and if it could be deleted she adv she had to check bc she was unsure then a supervisor jumped on adv that she was listening to call but they never advised their was a second person on the line made me uncomfortable and she started asking but provided my personal information to me so I hung up a few days later I called back and got a gentleman and it was the same verification with him giving me all my information when Im the one calling in, Advised him I was aware of the debt they have in office and was wanting a willing to accept settlement agreement letter that said it would be deleted from my credit upon me paying the 50 % he advised me that CAPIO PARTNERS doesnt do that because that would be giving me a receipt for something I hadnt paid for yet and that since I work in collections then I know I can file a complaint if they lie after I pay them the 50 % sif offer and it wasnt deleted I advised him that XXXX  XXXX said same thing and I paid and it wasnt deleted and bc I didnt get it in writing I had nothing asked him again for the proof that they will delete after I pay and he said he couldnt advised him I dont want the calls or the text bc I didnt authorize a text to begin with and I would call on my own dont need them to call me until they can get their stuff together.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
BK OF AMER XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.

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 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
XXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.

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 2023-11-28 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: VT

Complaint narrative:
My info was gaveing out

Company response to consumer: Closed with explanation