vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 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: PA

Complaint narrative:
This company is reporting inaccurate address birthday and name on my consumer report federal law states if a consumer is reporting in accurate information on my consumer report it XXXX deleted this is a inaccurate account can you please delete this information

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 2024-11-03 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Unauthorized inquiries that I don't recognize on my credit report please delete

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 2024-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I pulled my consumer report and saw these unauthorized hard inquiries on my report please delete I did not authorize these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: United PanAm Financial Corp.
State: PA

Complaint narrative:
Unauthorized inquiries that I don't recognize on my credit report please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: Global Lending Services LLC
State: PA

Complaint narrative:
Unauthorized inquiries that I don't recognize on my credit report please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: Westlake Services, LLC
State: PA

Complaint narrative:
I pulled my consumer report and saw these unauthorized hard inquiries on my report please delete I did not authorize these inquiries

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 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit Systems XXXX XXXX XXXX XXXX, GA XXXX XXXX # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Debt collector I received a debt collection notice from your office. I am writing you to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please Supply me with a copy of any contract or agreement signed with your company.

In accordance with the Fair credit Debt collections practices act, I request the following information : 1. The name and Address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, Including evidence that a contract exists creating the amount you claimed is owed.

3. Documentation of all assignments showing transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securized the debt.

5. Documentation showing the assignments of the debt From the original creditor to secured trust and them back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report. 

Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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:
Name : Consumer XXXX Date of Birth : XX/XX/ Social Security Number ( XXXX ) ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Formal Dispute of Incorrect Account Information To Whom It May Concern, I am writing to formally dispute the following accounts that appear in my file with XXXX XXXX XXXX XXXX XXXX XXXX I have NEVER opened, authorized, or used the accounts listed below, and I believe this information is incorrect and potentially fraudulent. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Financial Institution : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Financial Institution : XXXX XXXX XXXX Please confirm receipt of this letter and keep me informed of the status of your investigation. I expect a response within the time frame mandated by law, and I appreciate your prompt attention to this urgent matter. Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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:
Name : Consumer XXXX Date of Birth : XX/XX/year> Social Security Number ( XXXX ) ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Formal Dispute of Incorrect Account Information To Whom It May Concern, I am writing to formally dispute the following accounts that appear in my file with XXXX XXXX XXXX XXXX XXXX XXXX I have NEVER opened, authorized, or used the accounts listed below, and I believe this information is incorrect and potentially fraudulent. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Financial Institution : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Financial Institution : XXXX XXXX XXXX Please confirm receipt of this letter and keep me informed of the status of your investigation. I expect a response within the time frame mandated by law, and I appreciate your prompt attention to this urgent matter. Thank you for your cooperation. 
Sincerely, 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 2024-11-03 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:
I pulled my consumer report and saw these unauthorized hard inquiries on my report please delete I did not authorize these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: PA

Complaint narrative:
I pulled my consumer report and saw these unauthorized hard inquiries on my report please delete I did not authorize these inquiries

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 2024-11-03 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I pulled my consumer report and saw these unauthorized hard inquiries on my report please delete I did not authorize these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: TX

Complaint narrative:
I have spoke with XXXX XXXXXXXX XXXX  on several times they sent me letter for the credit bureau to update this information they still havent updated the information and is still reporting late payments on my account I ask that they either remove this from my credit report or fix the issue as attached is a letter from XXXX XXXX on this account with account number as by law it isnt correct and I know my rights. If you believe its fair and right to keep reimporting something that the company told you was closed years ago If you believe it's correct, I demand : The date whomever validated it was correct.The method used to validate this Billing error. The name of the person who received the permission to Validate this error.The documents used to determine this error.I would appreciate it if this matter were handled in a timely manner. Im giving 10 days for a response before I take action and matters into legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: MO

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX not showing on credit report, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not XXXX XXXX XXXX on credit report, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

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 2024-11-03 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: MO

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX not showing on credit report, LXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not XXXX XXXX XXXX on credit report, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
Why not lease it. In XXXX at the start of Covid I was leasing a house in XXXX Tennessee. The stove went out and I had 2 grandchildren and my son living with me. I tried to purchase a stove from several places but all of them were out of stock due to the pandemic. I found one thru Why Not Lease it and put in the order only to receive notification that it was back ordered and I would be notified. Because of the pandemic, and restaurants closing and services were scarce, it was impossible for us to prepare food with no oven, so I started looking for an oven I could get right away. I found one at XXXX, a furniture/appliance rental store and was able to purchase it with cash and it was immediately delivered. I immediately notified Why Not Lease It to cancel the rental since I just purchased the same one and was able to receive it immediately. Some time later, I started receiving notices from XXXX stating they would notify me when it was received, so I contacted XXXX and was directed to a warehouse for XXXX in XXXX Mississippi. I called every time I received a notice about shipping and advised the order was cancelled within days of placing it with Why Not Lease It. Fast forward to XXXX when it was placed as a collection item with the credit bureau. I filed a dispute, asking they show proof of delivery for the oven. It was never delivered to me or ever picked up by me. Now I received notice that the negative item is staying on my credit report. I cant be charged for an order cancelled and not received. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
They pull my credit report without authorization. It was a hard pull on my credit and may affect my score and ability to acquire a mortal

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 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The company stated that Amazon took the money out by mistake and that everything was taken care of. There was nothing to let me know that I was going to be charged double next month for something that is not of my purchase. Please stop harassing me with this charge

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: UPGRADE, INC.
State: NC

Complaint narrative:
My ex girlfriend XXXX XXXX used my identity to purchase and use under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have noticed that my account has been reporting a charge-off every month. This consistent reporting seems to be reaging the debt, making it appear more recent than it actually is. This situation is causing undue harm to my credit report and overall financial standing. I believe this practice is misleading and does not accurately reflect my payment history. I would appreciate clarification on this matter and request that you review my account to ensure that it is reported correctly, considering all relevant factors. Thank you for your attention to this issue. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. In XXXX at the start of Covid I was leasing a house in XXXX Tennessee. The stove went out and I had 2 grandchildren and my son living with me. I tried to purchase a stove from several places but all of them were out of stock due to the pandemic. I found one thru XXXX XXXX XXXX XXXX  and put in the order only to receive notification that it was back ordered and I would be notified. Because of the pandemic, and restaurants closing and services were scarce, it was impossible for us to prepare food with no oven, so I started looking for an oven I could get right away. I found one at XXXX, a furniture/appliance rental store and was able to purchase it with cash and it was immediately delivered. I immediately notified XXXXXXXX XXXX XXXX XXXX to cancel the rental since I just purchased the same one and was able to receive it immediately. Some time later, I started receiving notices from XXXX stating they would notify me when it was received, so I contacted XXXX and was directed to a warehouse for XXXX in XXXX Mississippi. I called every time I received a notice about shipping and advised the order was cancelled within days of placing it with XXXXXXXX XXXX XXXX XXXX Fast forward to XXXX when it was placed as a collection item with the credit bureau. I filed a dispute, asking they show proof of delivery for the oven. It was never delivered to me or ever picked up by me. Now I received notice that the negative item is staying on my credit report. I cant be charged for an order cancelled and not received. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: SC

Complaint narrative:
According to the FCRA and Consumer Protection Act and Privacy act and also IRS publication 4681 IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX for the cancelled debt of { {$10000.00} } XXXX XXXX XXXX XXXX  for the cancelled debt of { {$750.00} } XXXX XXXX XXXX  XXXX XXXX for the cancelled debt of { {$900.00} } XXXX XXXX XXXX XXXX for the cancelled debt of { {$6500.00} } in order to file as ordinary income. Where is my 1099-C XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { XXXX {$600.00} } }. This is unsatisfactoryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and EQUIFAX, etc. is not an affiliate of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of XXXX  as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal Pursuant to 5 USC 552a, Pursuant to FCRA, pursuant to 15 USC 6802. The Fair Credit Reporting Act ( FCRA ) prohibits creditors from making adverse reports on a consumer 's credit standing if the consumer disputes an amount or account. However, creditors can report that the account or amount is in dispute. It is illegal for a financial institution to report a consumer 's transaction history without their written consent. This is because Congress has mandated that financial institutions protect the privacy and confidentiality of their customers ' non-public information. For these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief