vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
My account was suspended back in XX/XX/ after I paid my account in full for the amount of XXXX and my account has continuously been automatically suspended due to " credit ''. 

Back in early XXXX, I experienced a death in my family resulting in my traveling out of state and not being able to work for several weeks. Because of this, I was not able to pay my bills in time. 

Now, my financial situation has drastically improved and I am still unable to use my card. This is creating an issue trying to travel for work, renting a car, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX i called XXXX XXXX XXXX to do a voluntary repossession because covid made my job shut down and my income was becoming to looking unreliable so they got the car and a month later they reported on my credit that the car payment was late even though when I gave the car back I was currently on my payments Than XXXX months later they auction off the car and it sold for more than i owed so i was given money back than they put account closed paid in full or sold to a collection on my account remarks which wasnt true so lenders thought i owed on that account than going on almost XXXX years later they changed my remarks into a repossession so my credit score dropped XXXX points on XX/XX/XXXX on a account closed almost XXXX years ago in XXXX iand they havent reimburse me for the remaining months of the gap insurance I didnt use

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX i called XXXX XXXX XXXX to do a voluntary repossession because covid made my job shut down and my income was becoming to looking unreliable so they got the car and a month later they reported on my credit that the car payment was late even though when I gave the car back I was currently on my payments Than XXXX months later they auction off the car and it sold for more than i owed so i was given money back than they put account closed paid in full or sold to a collection on my account remarks which wasnt true so lenders thought i owed on that account than going on almost XXXX years later they changed my remarks into a repossession so my credit score dropped XXXX points on XX/XX/XXXX on a account closed almost XXXX  years ago in XXXX iand they havent reimburse me for the remaining months of the gap insurance I didnt use

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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 implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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 implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 1st Franklin Financial Corporation
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding a COLLECTION account labeled " XXXX XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. 
To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 
The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
Everytime I make a payment they send me emails saying it will be processed and they thank me for it but then a few days later without any notice the payment reverses and then I fall behind because they fail to tell me. I have plenty of money in my account to cover these expenses and my bank doesnt have issues as I have already been in contact so it leads me to believe that this has been done on purpose. I have researched and have found many people having a similar issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: LDF Holdings, LLC
State: FL

Complaint narrative:
Hello. I recently suffered through a tragic act of nature that forced me out of my home and into a new home where the rent was significantly more. I took out a loan through Lendumo not reading the fine print out of desperation and expecting to be able to pay off the loan relatively quickly. Circumstances beyond my control have prevented me from being able to pay off this loan and I am realizing the extreme predatory nature of this company. I have paid more than double what I was lent and none of it has been applied towards my principal balance. This company has deducted a weekly amount of {$75.00} from my bank account and is uncooperative towards my plight. They have even deviced a strategy that has made it impossible for my bank to stop the payments so I could come to a reasonable settlement agreement with them outside of the gargantuan interest they are blatantly stealing from me weekly. I need help please. I am willing to make a reasonable agreement but what they are doing should not be legal and I am at a loss over how they could possibly be allowed to do this to a hard working XXXX such as myself. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I pay my Citi credit card balance in full each month. Citi sent an offer to reduce my interest rate on outstanding balances and I applied. 

This appeared in my statement for my account paid in full : Interest + {$23.00} Billing Period XXXX Interest + {$18.00} Billing Period XXXX I called XXXXCITI ( XXXX ) and they explained that it was interest on the outstanding balance at the reduced promotional rate. I explained that the balance was paid in full each month. They put me on hold, researched the issue, and agreed to credit {$41.00}.

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 2024-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I had being charged an amount of {$14000.00} which does not belongs to me. This service was provided to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX transferred this information to a collection agency ( Gulf Coast Collection BU ) here in XXXX, Florida. The collection agency contact information is XXXX ( XXXX ) XXXX, and the account was reported on XX/XX/2023. I also contacted XXXX XXXX XXXX, letting them know about this, and they said they will resolved this issue, but nothing happened. This debt is still reflected in my credit report. I think that this is a fraud committed by XXXX XXXX XXXX, here in XXXX, Florida I would like to resolve this issue as soon as possible. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-19 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: PR

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. Notation of the late payments for XXXX XXXX are inaccurate. Pleas investigate and verify that all data for this account is report accurately including every notation date and balance whether reported or not. 

I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to XXXX all statements and payment transaction records from the ere that would prove that my payment was not submitted on time g my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAANL status ( Paid As XXXX Agreed, Never Late ) according to consumer protection laws. 

XXXX I contacted them and was to receive a call back, never received it. 

XXXX I contacted them again, no response. 

XXXX No resolution.

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 2024-01-19 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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I was never provided given a repossession warning letter, nor a ( redemption notice ) which is required to be provided to me by law. My vehicle was sold in an auction within 7 days from being taken. 

GM financial continues to report false and or inaccurate information to XXXX, XXXX and XXXX XXXX credit bureaus. 

XXXX shows {$28000.00} as the original loan balance and {$29000.00} written off amount with a balance owed of {$9800.00}. Payments that I made while the vehicle was in my possession is not even listed or deducted from the original balance at all. The information being reported to the credit bureaus is false and inaccurate therefore its illegal and a direct violation of my rights. 

Please remove this inaccurate account off my credit report and I will like to be compensated for being violated by GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
Title loan. Car was totalled n Florida. 
They overcharged my payoff... so I didn't finish paying. They kept on billing me and charging me late charges after I told them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: IN

Complaint narrative:
I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2024-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding a COLLECTION account labeled " FIRST HERITAGE CREDIT XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: LA

Complaint narrative:
I have recently initiated a dispute concerning certain entries on my XXXX, Experian, and XXXX credit report. The rationale behind contesting these adverse entries arises from their inaccurate portrayal and non-conformance with METRO2 compliance framework. The METRO2 Compliance mechanism, collaboratively established by XXXX, Experian, XXXX and XXXX, serves to ensure the precision of consumer credit reports. It has come to my attention that XXXX, Experian, XXXX 's adherence to these stipulations outlined in 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( e ) ( b ) has not been fully observed. 

I have diligently attempted to rectify these inaccuracies with XXXX, Experian, and XXXX 's assistance. Regrettably, despite the evident misreporting of the accounts, XXXX, Experian, and XXXX has chosen not to elimnate the adverse entries from my credit report. For your convivence, I have appended evidence of my correspondence with XXXX, Experian, XXXX 's accompanied by substantiation underscoring the jurisdiction for the removal of the negative accounts. My formal request is that you meticulously review the provided documentation in order to facilitate the expungement of these unfavorable elements. Enclosed within are materials substantiating the grounds for the requested removal. I kindly solicit your through assessment of the furnished evidence with the objective of effecting the elimination of the identified negative items.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent dispute letters to all three bureaus. My XXXX and Transunion report is not reporting accurate information like XXXX. Status is incorrect and showing late for XXXX XXXX. This account was not removed/deleted or updated for XXXX and TransUnion but this account is not showing on XXXX at all. It is also showing different statuses. TranUnion states " 60 days past due '' and XXXX is showing " not more than two payments past due ''. XXXX has deleted this account. I have documents and proof attached showing what I have stated is accurate and that I have sent certified letters. 15 U.S. Code 1681e ( b ) states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''

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 2024-01-19 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation