vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: APLUS INSTACASH LLC dba A+ FINANCE

Complaint narrative:
Good afternoon, I would like to file a report about this lending app INSTACASH XXXX  in play store that continues sending me grave threats everyday about my loan. At first, they adding so much high loan interest to the money that I got, where in it is higher than 6 % which is illegal. Already talked to them that I can settle the payment by tomorrow. 
Please take time to see the photo attachments here. Please take further actions immediately and ill be waiting for your response. 

Thank you and More power!

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 2024-04-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
When XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX opened XX/XX/XXXX and credit limit {$1800.00} was correct for all 3 Credit Bureaus. But they closed my XXXX XXXX XXXX  ( XXXX XXXX XXXX ) date was incorrected for all Credit Bureaus. 

XXXX account closed : XX/XX/XXXX. 
XXXX  account closed : XX/XX/XXXX. 
XXXX account closed : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: GA

Complaint narrative:
When XXXX CARD SERVICES account XXXX XXXX XXXX XXXX opened XX/XX/XXXX and credit limit {$1800.00} was correct for all XXXX Credit Bureaus. But they closed my XXXX CARD SERVICES ( XXXX XXXX XXXX ) date was incorrected for all Credit Bureaus. 

XXXX account closed : XX/XX/XXXX. 
XXXX  account closed : XX/XX/XXXX. 
XXXX account closed : 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 explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Maryland XXXX XXXX [ XXXX ] [ XX/XX/XXXX ] Experian XXXX Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding XXXX XXXX  Account on Credit Report Dear Experian XXXX Department, I am writing to formally dispute the presence of an account from XXXX Bank on my credit report, which is currently marked as " settled payment. '' The account in question has been XXXX since XXXX, and as such, it no longer holds validity on my credit report.As per the Fair Credit Reporting Act ( FCRA ), specifically under Section 605 ( a ) and 605 ( c ), any discharged debt must be promptly removed from a consumer 's credit report. Furthermore, under Section 623 ( a ) ( 2 ), it is the responsibility of the credit reporting agency to ensure the accuracy and completeness of the information listed on a consumer 's credit report.Given that the account from XXXX Bank has been XXXX for over three years, its presence on my credit report is not only inaccurate but also misleading to potential creditors and undermines my efforts to maintain an accurate credit profile.I kindly request that you promptly investigate this matter and remove the aforementioned account from my credit report in accordance with the FCRA. Additionally, please provide confirmation of the removal once the necessary action has been taken.Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 
Sincerely, 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 2024-04-07 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: HI

Complaint narrative:
I have recently checked my credit report and I wanted to ensure the 100 % accuracy of every item reporting within my consumer report. I asked the company to reinvestigate the accounts listed on my consumer report for accuracy.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX. {$290.00}. Reported company to XXXX. Company was to pay off account, have no further contact. Account paid off. XXXX still contacting me, the account is on my credit report. 

XXXX. {$110.00}. Reported to XXXX. Account was removed. Now it is showing up in my credit report again. Never had XXXX. 

Inaccurate personal information keep showing on my report. 
False credit information keep showing up on my credit report. 
It is ridiculous

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I have recently checked my credit report and I wanted to ensure the 100 % accuracy of every item reporting within my consumer report. I asked the company to reinvestigate the accounts listed on my consumer report for accuracy.

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 2024-04-07 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: HI

Complaint narrative:
I have recently checked my credit report and I wanted to ensure the 100 % accuracy of every item reporting within my consumer report. I asked the company to reinvestigate the accounts listed on my consumer report for accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: MI

Complaint narrative:
My name is misspelled Credit that is not mine is attached to names like mine but its not me, I am I XXXX stated on birth records Old addresses listed not mine

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 2024-04-07 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: CL Holdings LLC
State: AL

Complaint narrative:
XXXX opened XX/XX/2022 balance {$5800.00} I do not recognize this account that is on my credit report. I have never opened an account with this company, nor have I ever heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is misspelled Credit that is not mine is attached to names like mine but its not me, I am I XXXX stated on birth records Old addresses listed not mine

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 2024-04-07 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: MI

Complaint narrative:
My name is misspelled Credit that is not mine is attached to names like mine but its not me, I am I XXXX stated on birth records Old addresses listed not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Due to hacking I have loss access to the email account and phone number on my account that is used for logging in and XXXX verification. This allowed for someone to access the account after my bank failed to update the information. On XX/XX/XXXX I created a Sub-account that connects to the main account and transfered {$2600.00}, {$170.00}, and {$75.00} to the sub account in which I verifed that the funds were retrieved and completed. XX/XX/XXXX The sub account had been deleted and the funds are missing. My bank refuses to trace the funds and allow for a dispute, and the bank have not acknowledge the unauthorized activity ; I remain unable to access the account for review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have enclose proof of inaccurate accounts on my consumer report. 
See Attachment Below See Attachment Below See Attachment Below See Attachment Below

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 2024-04-07 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: AL

Complaint narrative:
XXXX XXXX  XX/XX/2022 balance {$5800.00} I do not recognize this account that is on my credit report. I have never opened an account with this company, nor have I ever heard of them.

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 2024-04-07 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: AL

Complaint narrative:
XXXX XXXX  XX/XX/2022 balance {$5800.00} I do not recognize this account that is on my credit report. I have never opened an account with this company, nor have I ever heard of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: AL

Complaint narrative:
XXXX XXXX  XX/XX/2022 balance {$5800.00} I do not recognize this account that is on my credit report. I have never opened an account with this company, nor have I ever heard of them.

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 2024-04-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Credit Karma, LLC
State: CA

Complaint narrative:
In XXXX of 2024 I filed my tax return through XXXX e-filing services, XXXX of the ways they offered for you to revive your refund was opening an account with Kredit Carma I'd never had a Kredit Carma account so I picked this option. Somrtime in XXXX of 2024 my return was issued to me on this account this is when I decided I didn't want the account any longer after having a bunch of issues with the account I was able to pull all my funds off the account and I no longer wanted to deal with Kredit Carma account at all. Well unknown to me there was another refund amount credited to the account sometime in late XXXX or early XXXX by the time I was made aware of this it was already to late someone had gotten a hold of the card and used the money that was sent to it.I notified Kredit Carma and they opened a dispute claim for the funds I also made a police report with the local law enforcement agency in regards to the claim. Although I provided Kredit Carma with sufficient evidence and a document of the filed police report they still denied my claim for reasons I'm unaware of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-07 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: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt.  XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt.  TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
in XXXX of 2022, we asked for payment options since we were affected by XXXX XXXX and we needed to skip a payment or XXXX on our mortgage. The representative we spoke to said we can do a forbearance for XXXX months and that it would be tacked at the end of our loan. All we had to do was call back in XXXX  months and start the payments again. When we called back, they told us that we had to pay the entire XXXX  months up front to make the account up to date. This made XXXX sense because we wouldn't have gone into forbearance in the first place if we knew this information. We tried multiple times to get the proper paperwork in to fix this, but we kept getting it pushed back to missing information. We spoke with another Loss Mitigation XXXX and she said we can split the owed amount into a payment plan throughout the year. We said great! What she failed to tell us is that we would be reported as " late '' on our credit report EVERY XXXX MONTH until it was paid off. So we still made our mortgage payment with the extra amount from the forbearance and it was considered " Late ''? This didn't make sense and completely unfair if we are still making our mortgage payments ON TIME. I asked for my recordings from the time of the XXXX  forbearance to hear what the first representative had told us and they responded that they legally do not have to provide those. Myself and many others are speaking to a lawyer who have had the same issues with this lender. My husband and I had a XXXX XXXX in the high XXXX and now it is in XXXX due to this misleading information from this company. I can not provide any recordings as proof since everything was done over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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 been sending letters and the past XXXX to get things deleted from my report im just asking simple may yall please just remove the items and help me fix my credit report i can go back n fourth with the usc codes and getting all the account numbers which take a lot of time for me because i cant get in contactwith some of XXXX companys they simplely got a computer screen with all my info they see what accounts im talking about its a list right infront so i just wan na make it easy any account that report old late payments before the last 30 days can u change it to current aint like the company will know anycharge off accounts take off my report and remove all inquires as u can see 80 % come off this year anyway im just a regular person like yall trying to better myself and i would love your help very much in bettering my future

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 2024-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. who's studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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