vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2024-04-12 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/2024 I submitted a complaint with CFPB regarding an issue I have with Kredit Carma a few days later I find out my account has been closed for no apparent reason when I called Kredit Carma I spoke to a representative who provided me no reason or any information on why my account is closed and when I asked about a the money I have left on the account he said I have to wait for a final determination letter in the mail. I'm filing this complaint because I believe Kredit Carmas actions to be retaliatory and I know it's illegal for any corporation to retaliate against any living petson

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: GA

Complaint narrative:
RE : To whom it may concern Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains you received a certified letter on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I received a response stating the account ( XXXX ) were verified on XX/XX/XXXX. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me with ALL the information used for your investigation, as required by RCEA 611 ( a ) ( 7 ). 
Discover # XXXX FCRA 611 you are required to provide this informations within in 15 days or delete the negative from my credit report. XXXX is denid me from disputing my own credit report. They have block my own dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
Original complaint was filed on XX/XX/XXXX about additional fees added at the end of my loan. On XX/XX/XXXX the company responded to the complaint that they would be reimbursing me the XXXX charges for over {$200.00}. On XX/XX/XXXX I followed up since I still had not received my refund. They were unresponsive. In XX/XX/XXXX, I filed a complaint with the FTC. The company has not responded to any of my inquiries and I have waited well over the 120 days they claim it can take to receive a refund. I also received information from my bank that in XXXX of XXXX, AFTER the company validated via the attached letter that they would be refunding me, the company stated the amount charged to my account was valid and there would be no refund issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-12 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: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: TX

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: TX

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX  XX/XX/year>

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 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp
State: TX

Complaint narrative:
CREDIT SERVICE INTL CORP Is reporting negative false information on my credit report. I do not have a contract with CREDIT SERVICE INTL CORP .They did not provide me with the original copy as I requested. Therefore the information they are reporting is fraudulent and needs to be removed off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to express my deep frustration and disappointment regarding the unresolved issue of the late opening of my account. Despite previous attempts to rectify this situation, the problem persists, causing significant inconvenience and concern. 

The delay in opening my account has had serious consequences, including missed opportunities and financial inconvenience. It is imperative that this matter be addressed with the utmost urgency to mitigate any further impact on my financial affairs. 

I demand immediate action to rectify this situation. I expect a full investigation into the root cause of the delay and a clear plan of action to ensure that such delays do not occur in the future. Additionally, I insist on compensation for the inconvenience and financial losses incurred as a result of this delay. With this, I am asking for your assisstance to correct this late open account in my credit file : XXXX XXXX XXXX Balance : {$2000.00}.

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 2024-04-12 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: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Steven R. Hrdlicka, Attorney at Law
State: CA

Complaint narrative:
I received a notice from XXXX XXXX regarding a lien that has been recorded against me in the recorder 's office. The notice includes a copy of the liens and states that only the person who placed them can remove them. The document is titled " Notice of Delinquent Assessment Lien. '' The attorney who brought this action against my properties originally filed and recorded on XX/XX/XXXX, for {$5000.00} for both lots. 

On XX/XX/XXXX, the same attorney recorded an Amended Release of Notice of Delinquent Assessment Lien, indicating that nothing is owing on both lots. However, I have received another letter from XXXX XXXX stating that the same attorney has reactivated the same lien and fees on both properties, with an attempt to foreclose on my home and lot. 

On XX/XX/XXXX, I sent a letter to the property management company and their attorney requesting them to cease and desist from what seems like harassment. On XX/XX/XXXX, I also sent a letter to the property management company and the board of directors, but it was ignored. Since then, I have received another lien from XXXX XXXX, and their attorney has filed the same lien against my property for the same issue that they had released before. At this point, I am not sure what to do, and any help would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: FL

Complaint narrative:
Credit card company reported previous balance to credit reporting agency instead of correct balance that reflect new statement balance of {$0.00}

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 2024-04-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
J.P. Morgan Chase Bank accepted my 3rd party endorsed check to me and had the check processed, cleared, and funds deposited to my account by XXXX who was the Bank who issued the check to my brother. So before and after the check was cleared and verified, Chase Bank now wants to verify who the check belongs to and verify ; which was supposed to be done before they processed the check to XXXX ; if that being the case, they should of never sent the check over to XXXX first, because now it's too late to do anything as far as the issue is now, that they can't verify him through his cell phone, now he can't even get his check back, cancel it, or reissue the check because it's already done, cashed, and even though the account was suppose to be closed, how were they able to take money out from the account if it's on hold, closed, or whatever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Lakeland Recovery Solutions
State: NC

Complaint narrative:
XXXX  OR LAKE LAND RECOVERYXXXX XXXX XXXX XXXX SCAMMERS THEY CALL CLAIMING I ALLEGEDLY DID A PAYDAY LOAN ON- LINE XXXX XXXX XXXX WITH A XXXX XXXX CHECKING ACCOUNT. XX/XX/2019. FIRST OFF I NEVER DID A PAY DAY LOAN. REQUESTED PROOF THEY DECLINE CALL FIRST CLAIMING MY DAUGHTER DID A PAY DAY LOAN CALL FROM DIFFERENT NUMBERS USING ROBO AND THREATENING LEGAL ACTION WITH COURTS, THIS COMPANY IS SCAMMING PEOPLE THE POLICE AND THE ATTORNEY GENERAL NEEDS TO BE CONTACTED IMMEDIATELY THEY NEED TO BE LOCKED UP FOR IDENTITY THEFT MISUSE OF PERSONAL DATA. THEY CALL FROM DIFFERENT SCAM NUMBERS LIKE XXXX MULTIPLE DIFFERENT FAKE NUMBERS XXXX XXXX XXXX FAKE FILE NUMBER XXXX THIS SCAM COMPANY NEED TO BE REPORTED TO FTC AND COMP CONTROL AND ALL MEDIA OUTLETS TO BEWARE OF THIS SCAMMERS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NM

Complaint narrative:
My car was stolen on XX/XX/year>, they made all the reports, police and insurance. 

The financier Westlake Financial found the car on XX/XX/XXXX and did not notify me of anything, it was not until XX/XX/XXXX that I called to make my monthly payment that I found out that it was found because I realized that there was an extra amount that I had to pay and I did not understand the reason, the bank did not want to give me information, that I should call the police, I went to the address that the policeman gave me and when it arrived, the car was not there and had never arrived. 

In XXXX I found out from the insurer " XXXX XXXX '' that the car was in XXXX I was going to be sold at an auction, but the insured stopped it because the car can still be repaired, but it turns out that I have to pay {$3000.00} dollars to take the car from XXXX to XXXX because my insurance company only covers me {$300.00} In short, Westlake Financial moved my car to sell it at an auction, without my authorization and with my up-to-date payments. The monthly payments I gave did not go to my balance but were to cover the mobilization expenses to XXXX The insured was not responsible for anything for my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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 is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review this ITEMS ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, DELETE, or TERMINATE the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
i understand my financial obligations. i have been a long time customer and making payments on time is a major priority. 
i made the mistake in falling behind ONE time i opened account with kohl 's in XXXX Account # XXXX XXXX XXXX XXXX I lost my wallet and dept card. 
not realizing that my auto pay for Kohl 's was still with my old dept card and missed one payment in XXXX i assure that this is not a reflection of my commitment to meeting my financial obligations. 
i have taken the steps to ensure that this does not happen again in the future. 
this late payment will hurt my ability to qualify for a mortgage. it would help me immensely if kohls could give me a second chance and make a goodwill adjustment to remove the late payment from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: NY

Complaint narrative:
I review my consumer report and notice I have a late payment on an account that I was never aware of reporting late in the first place. According to 15 USC 1681a2 ( a ) except as provided in paragraph ( 3 ) the term " consumer report '' does not include any report containing information solely as to transaction or experience between the consumer and the person making the report. The consumer agencies are breaking a law and violating my rights, I ask that you please investigate this matter, and if they can not provide me where in the law it state that a late payment should be furnished on a person consumer report, i demand this payment updated to paid, or reverse. 

XXXX XXXX XXXX XXXX XXXX, 2022

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-04-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with explanation