vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
The business that Harris & Harris are collecting for - XXXX XXXX - would not let me normally cancel services and my account when I no longer wanted services in XXXX of XXXX. The local locations closed and call centers did not respond. I repeatedly asked to cancel services and attempted several times to cancel services before being told that my account was pending multiple times. I waited several months and this debt was sold to collections. Since Harris and Harris has had this account- they have reported inaccurate timeframes and updated the balance randomly refused to give me any information, refused any negotiation, threatened me by telling me that I have verified this debt and now I could be held legally responsible, and generally harassed me with multiple phone calls a day on some occasions. They reached out to my sister at one point. Eventually to end the harassment I paid this debt on an online portal for a negotiated settlement amount and they refuse to report this account as settled and still report a balance owed even though it isnt possible for me to pay anything through this online portal. They refused any attempt by me to receive physical mail communications or payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-11 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-11 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: CO

Complaint narrative:
XXXX has removed the XXXX from my credit report. But transunion and XXXX have not

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 2024-12-11 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: NC

Complaint narrative:
On XX/XX/year>, I initially requested the removal of the dispute remark, followed by a second request on XX/XX/year>. I was assured on both occasions that the removal process would take 24 hours. However, as of XX/XX/year>, the remark remains on my report, despite the disputes now being marked " Closed. '' Additionally, I request that the account itself be deleted from my credit report for the following reasons : XXXX. XXXX XXXX filed for bankruptcy and ceased operations on XX/XX/year>. As the creditor is now defunct, they are incapable of addressing disputes or verifying the status of any account. 
I resolved this account in full for {$690.00} on XX/XX/year>, as agreed upon with their representatives. Despite this, XXXX. XXXX XXXX has failed to provide the promised documentationeither a letter or emailto confirm my account has been closed with a XXXX balance. This failure demonstrates the companys unfaithfulness to its commitments, leaving the account in limbo. 
The continued presence of this account and its associated inaccuracies on my credit report, including conflicting balances, is unjustifiable and damaging to my credit profile. 
The unresolved inaccuracies and the erroneous dispute remark are creating significant financial hardship. I am currently under contract for a home, and this is the sole obstacle blocking my FHA mortgage approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: OH

Complaint narrative:
On the week of XX/XX/year> this alleged debt appeared on my credit report and I have never received anything in the services, products or mail from them to create a debt or be notified about disputing this alleged debt in the amount of {$900.00} by the company named XXXX XXXX or XXXX XXXX XXXX XXXX. The above mentioned companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to me and none has been deliveries to me for my inspection and I know they do not exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: IL

Complaint narrative:
I am a victim of the recent data breach that impacted Equifax and to request the deletion of any accounts related to my personal information, as authorized under 15 U.S.C. 1681c-2 ( a ). According to this statute, I am entitled to request the blocking or deletion of any fraudulent accounts or personal data that has been compromised or misused as a result of the breach. 

The accounts are as follows : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 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 2024-12-11 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive found errors on my credit report related to unauthorized inquiries, which violate 15 USC 1681c-2. These incorrect entries are negatively affecting my credit score. Please remove all unauthorized hard inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX and Venmo have provided incorrect total balance due and not responded or received the information given They are requesting a total balance due that is incorrect and have continued insisting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
I opened an American Express XXXXXXXX XXXX XXXX to purchase some appliances. I thought it was a XXXX store card like I had previously, years ago, but it was not. After learning that it was an American Express with high interest rates, I asked them to lower my rate because I had excellent credit ( above XXXX at the time ) but they said that I had to prove my credit worthiness and so I promptly paid it off within a couple months. 
The last payment I made was prior to the due date and they still charged me interest. My wife called them to see why and even though she was on the account, they would only speak to me and they said that they charged the interest every single day and that I had to prove that I paid prior to the due date. So I sent them copies of the money leaving my bank well before the date. And I have a copy of the receipt for the tracking of the copies that I sent to XXXX XXXX, TX office but not the letter requesting the refund. 
Fast forward to today when I receive a check from American Express Travel Related Services which I DID NOT request for an amount of {$1600.00} and I have no idea why. So I look at my email today and they have sent a bill for the same amount! So now, I am highly suspicious as to why they are trying to bill me for something that I have no idea what they are doing. Another way to XXXX interest? I paid the card off because I am not going to pay the higher interest rate when I have other more reasonable cards. 
I am very frustrated with this and I think this definitely needs to be looked into at a much deeper level because I think it is another way to take advantage of the consumer. Please help me resolve this. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I made a auto payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX on money my car was repossessed they still calling about the car its paid and full still on my credit XXXX will not provide my title XXXX XXXX Calling about credit card and personal loan and putting XXXX on my car thats paid XXXX full Calling before XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to notify you that I am a victim of identity theft. As a result of this theft, there are several unauthorized inquiries on my credit report that I did not initiate or authorize. I would like to explain the situation and request your assistance in addressing these fraudulent inquiries. 

The unauthorized inquiries appear to have been made as a result of someone using my personal information without my consent. 

3. I have submitted a report to the Federal Trade Commission ( FTC ) through the IdentityTheft.gov website, which provides additional documentation of the theft. 


I would like to request that you review the unauthorized inquiries on my credit report and take appropriate action to remove any fraudulent inquiries related to this identity theft. These inquiries were not made by me, and I did not authorize any of the accounts or credit checks associated with them. 
this includes : XXXX XXXX JPMCB CARD XXXX JPMCB CARD XXXX JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please let me know if you require any additional information or documentation to process my request. I appreciate your prompt attention to this matter and your help in resolving this issue. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
I recently noticed my credit report, and the below 5 listed inquiries were made unauthorized on various dates without permissible purpose which violates the Fair Credit Act 15USC1681B XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/scrub> XXXX XXXX XXXX  Inquiry : XXXXXXXX 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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
LOUSY XXXX AND EXPERIAN SAID THEY COULDN'T IDENTIFY ME AT XXXX AND REFUSED TO PROVIDE XXXX AND EXPERIAN CREDIT REPORTS EVEN THOUGH XXXX DID IDENTIFY ME AND PROVIDED ME WITH MY XXXX 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 2024-12-11 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-11 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-11 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Unauthorized inquiries unexpectedly appeared on my credit report today, and I am completely unsure of their origin. Ive reviewed my credit report as usual, but these discrepancies were entirely new. Refreshing the browser didnt fix it, proving its not a technical issue. Please review the documents Ive submitted to address this problem promptly and ensure it doesnt happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: PA

Complaint narrative:
This morning, I was shocked to find inaccurate accounts on my credit report, and I cant understand how this happened. I regularly check my credit report, and everything was fine until now. I even refreshed the browser, thinking it might be a glitch, but the errors didnt go away. I am pleading for a thorough review of the documents Ive sent so that I can finally stop living in fear of this happening again.

Company response to consumer: Closed with explanation