vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Consistently, I've made sure payments on this account are timely, preventing any from becoming overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
Consistently, I've made sure payments on this account are timely, preventing any from becoming overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

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 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
On or about XX/XX/XXXX I attempted to start process on a home purchase, when pulled my credit report I was informed that a debt that was paid in full on XX/XX/XXXX is still displaying on my credit report as an open account. I reached out to the original creditor XXXX, spoke with XXXX, she stated that they informed on Credit Collections Services on XX/XX/XXXX that the debt was paid in full to the original creditor XXXX  I reached out to Credit Collections Services on or about XX/XX/XXXX, spoke with XXXX on a recorded line, stated to her about this inaccuracy on my credit report, she stated in their system its showing as paid and I told her well on my credit report its stating as open. She asked me to fax over what I have to get this corrected I sent her a screen shot directly from the credit agency XXXX. I gave it a bit on XX/XX/XXXX another pulled of my credit was done, still displaying the same inaccurate information. I called Credit Collections Service, spoke with XXXX on a recorded line at XXXX XXXX  est, asked her why it hasnt been removed, she stated she had to speak with her manager she place me on a brief hold, came back stating that her manager XXXX stated that the screen shot from the credit agency XXXX was insufficient, that I should get something from XXXX, submit in. And I questioned XXXX does she hear what she saying I submitted something directly from the credit agency how is me getting the exact same thing is going to be any difference, she responded thats the only way and document that Credit Collections Service will accept. So I did what she said, sent it and the inaccurate information is still displaying on my credit in error that was suppose to be correct in XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : 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 2024-03-12 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: PA

Complaint narrative:
According to FCRA 605B, it's imperative to delete any incorrect accounts from my credit report. Can you review the documents, please? I'm feeling uneasy due to inaccuracies in some listed 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 explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I received notification today via mail and email that a collections account was opened under my name with XXXX for past due charges of {$3600.00}. After speaking with XXXX and the debt collector company, Credence Resource Managment, they provided details that 4 phone lines were opened in XX/XX/2022 under my name. I did not open these accounts nor do I have cell service with XXXX. I use XXXX for XXXX and pay the bill in full every month. 

Credence is sending me a packet to submit proof of identity as well as how to file a police report for identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Polk Auto Finance Inc
State: FL

Complaint narrative:
I became I'll an could not afford my payments, so initially I told them I could not longer pay my payments, so they picked up the car the first week of XXXX, I called them the following week to ask them where they took my belongings, they gave me a phone number, my payment history on my credit port is not accurate, they have a XXXX on my credit report, but as I stated I was never given any correspondence about the car after they came an got it my balance owed was about XXXX I have been trying to find out how much they sold the car for but to no avail, since legally they are sispose to send me correspondence about the repossession an the sale of the car an they did not I would like this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC
State: MA

Complaint narrative:
The company insisted that I took loan from them, they keep sending emails and calls that I am late with payments. I didn't loan anything from this company. They have official website and phone number. 
XXXX XXXX XXXX Www.nationalnationloans.com

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: SUNCOAST CREDIT UNION
State: MA

Complaint narrative:
I have disputed this account, this company has yet to respond or follow from fcra laws. 
Suncoast Credit Union XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-12 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: CA

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2024-03-12 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: TX

Complaint narrative:
XXXX and XXXX shared my personal information with multiple companies without my consent or giving me the opportunity to opt out. I also requested a cancellation of debt from the Trustee XXXX XXXX. I have sent the US code, CFR and IRS documentation to update the debt payments on my credit report. They are abusing their power and sharing information without permission, taking advantage of their resources instead of properly using it's resources for resolutions. 

XXXX5 U.S. Code 1681 15 U.S. Code 6805 15 U.S. Code 6802 12 CFR 1016.10 Privacy Act- 5 U.S. Code 552

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 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX visited Truist in XXXX, MD with a signed and Noatrized Power of Attorney from me with her identification as Truist asked. Truist said she would be added to my account but almost a month later it has not done so.

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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
Consistently, I've made sure payments on this account are timely, preventing any from becoming overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

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 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
I received an online ad to sign up for a Chime online banking account and receive a {$200.00} bonus. The stipulations were I needed to start a direct deposit of over {$200.00} within 45 days. 
I met there requirements in well under 45 days. 
I have contacted them about were my money is. 
Everyone has amnesia about the program. They keep talking about referring new customers. This has nothing to do with that. 
The {$200.00} is for becoming a new member.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX Date Opened : 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 non-monetary relief
Consumer complaint received 2024-03-12 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: LoanCare, LLC
State: MD

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Date Opened:XXXX  Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$15000.00} Date Opened:XXXX Account Number : LOANCARE SERVICING C Account # XXXX Balance : {$310000.00} Date OpenedXXXX  Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$3800.00} Date Opened:XXXXXXXX

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 2024-03-12 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: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Date XXXX Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$15000.00} Date OpenedXXXX Account Number : XXXX XXXX XXXX Account # XXXX Balance : {$310000.00} Date OpenedXXXX  Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$3800.00} Date OpenedXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Citi Payment Investigations XXXX XXXX XXXX XXXX XXXX, SD XXXX To whom it may concern, XX/XX/24 After very poor customer service I was very upset and may have used language that upset the person who was offending me. I am very sorry I did this and it is not my nature. But your agent gave me a very hard time. So now your company wont talk to me. 
I canceled the credit card years ago and thought I had paid in full. As in you have never sent me a bill?? 
I recently checked my credit score and found a charge for about {$140.00}. I sent you a check for {$150.00} to cover any amount that may come up.

I am enclosing your response requesting my account number. It says they need my account number and I havent had it for years.

Maybe this information can help you ; My name is XXXX XXXX XXXX or I may be XXXX XXXX. 
Phone # XXXX XXXX XXXX Cell Old land line XXXX XXXX Current land line XXXX XXXX XXXX I was living at XXXX XXXX XXXX XXXX XXXX, CA XXXX when I had this account the address before that was XXXX XXXX XXXX XXXX XXXX, CA XXXX I have someone on the phone now and they are trying to help me. Thank XXXX. He is saying my account is old and they cant pull up how much I owe. But he was able to find it. 
You have all of my information here. Please pull up my account and let me know how much I owe so I can end this torture. 
Thank you for your help. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC 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 monetary relief
Consumer complaint received 2024-03-12 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: NY

Complaint narrative:
I am writing this letter to demand the immediate removal of accounts that have been unlawfully placed on my credit report, as a means to extort me. In am requesting these accounts be removed from my credit report within XXXX XXXX XXXX hours, under the rights and protection given to me by the " Fair Credit Reporting Act '' of 1974 ; as this department is responsible for compiling and acting of the removal. 

The first of these accounts is, a past due bill of {$870.00} placed by XXXX XXXX XXXX on my credit report ; to this account I am enforcing all of the codes of the F.C.R.A.. Due to the fact that XXXX XXXX XXXX is a Telecommunications Corporation and not a bank or a lending institution whom did not offer me a loan or a line of credit and this therefore barred from putting any supposed unpaid accounts under my credit report. 

The second account is an account XXXX XXXX business credit card debt of {$1300.00} that was assigned to my XXXX XXXX XXXX. I am protected by various by federal and state financial laws due to the fact the this credit card is assigned to my L.L.C. and not myself. The L.L.C. protects me from creditors coming after me personally and must go after the entity and or it's assets. In the F.C.R.A. it dully states that credit reports are a Personal assignment of every individual. 

Also I am requesting the hard credit inquires be removed from my credit report. 

Best regards 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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
I noticed Discover reported a late payment however I called them to inform them of the changes made from my bank account because i was a victim of bank fraud i made the payment manually, And reset up the automatic bill pay which i never missed a payment in the 6 years that Ive been with them! I never received a statement showing i was behind or late ever in the mail! I called in anad informed of that AS WELL AND HAD THEM UPDATE THE ADDRESS!! I am in the process of expanding my business and this late payment is hurting my credit please help and remove! Thank u very much

Company response to consumer: Closed with explanation