vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 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: FL

Complaint narrative:
am writing to request the removal of unauthorized credit inquiries on my credit report. My latest credit report shows credit inquiries that I did not authorize. I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance.

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 2024-09-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
They only sent me the information showing what I owed and where they purchased this debt from nothing further

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: TX

Complaint narrative:
On XX/XX/2024 my credit score was greatly reduced out of thin air and for no reason at all by at least XXXX and Transunion. I was given a XXXX point deduction by at least both of these companies. Looking at my credit report and calling the only credit card company that I use they even agreed that they did not know why my score was affect as I have an excellent rating with them. There is no reason for this adverse action to have been taken and I want it undone ASAP.

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to access my online Equifax online account to see my credit report, score and the ability to lock and unlock my credit report. I have been trying to access my online account since XX/XX/year>. I have called them several times over the years, and they have taken several technical issue reports, and when I would call back, they would say the issue had been resolved. Also, they have responded to my emails stating the issue was resolved, which neither time has it been. If this can not be resolved here, I will need to hire an attorney to see what I'm entitled to because they are leaving me open to possible fraud, being that like any other consumer, I can't lock my credit report. I have attached some of the emails below, but there are several others back and forth with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: RI

Complaint narrative:
I am writing regarding an ongoing issue with inaccurate information reported by XXXX XXXX XXXX on my credit report. As you may be aware, I previously disputed this information, and XXXX ruled in my favor, confirming that the reported information was incorrect.

However, despite this favorable ruling, the inaccurate information remains on my credit report due to either an outdated or erroneous statement provided by XXXX to the credit reporting agencies. This incorrect reporting is unjustly damaging my creditworthiness and causing significant distress. 
To resolve this matter amicably and avoid further escalation, I am proposing the following settlement : 1. Immediate Correction or Deletion : I request that XXXX immediately update or delete the inaccurate information on my credit report with all credit reporting agencies.

2. Written Confirmation : I request written confirmation from XXXX that the necessary corrections have been made and that no further inaccurate information will be reported regarding this account. 
3. Expedited Handling : Given that XXXX has already ruled in my favor, I request that this matter be treated as a priority and resolved within 14 days of receipt of this letter. 
Please be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Rhode Island Fair Credit Reporting Act ( RIFCRA ). I have also consulted with an attorney regarding this matter. If this issue is not resolved promptly, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Additionally, I am considering legal action to enforce my rights and seek damages for any harm caused by this inaccurate reporting.

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 2024-08-31 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: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
According to FCRA section 605B, it is illegal to report anything on my credit report without my permission. Please remove this inaccurate information. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have received a collection on my credit report from LVNV Funding LLC. To my surprise, they are reporting this account incorrectly as it is shown as being open as well but also show a balance in the amount of {$640.00}. Please remove this account from my credit report immediately. Please provide me with a copy of my updated credit report with this removed off. I dont even have an account open with this credit card company so please remove it from my account. It is not mine nor anybody i am associated with. This credit card was lost/stolen from me and these charges are not mine. It is not right that i have to pay anything. I called the credit card company and was told its my fault. Please remove this off my credit report. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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 am writing to dispute for the 2nd time the following information that appears on my Equifax report as of XX/XX/XXXX : Tradeline # XXXX : XXXX XXXXXXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/XXXX and has a balance of {$9800.00} with 3 late payment delinquencies Tradeline # 2 : XXXXXXXX XXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/XXXX and has a balance of {$8500.00} with 3 late payment delinquencies Dispute Timeline : XXXX XXXX I previously disputed these accounts with XXXX XXXXXXXX online on XX/XX/XXXX with supporting documents stating the following : ''This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this duplicated tradeline error and any negative information in this account immediately. '' On XX/XX/XXXX, XXXX XXXX submitted a response back in writing after their investigation indicating the following : There are no delinquencies reporting for the month ( s ) of ( XX/XX/XXXX - XX/XX/XXXX ). 
Overall, XXXX XXXX failed and/or neglected to investigate the primary credit reporting concerns which is a violation of the FCRA. 

XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and has a balance of {$8300.00} reported XXXX late payments by the creditor. 

Equifax I previously disputed these accounts with Equifax via certified mail on XX/XX/XXXX and no changes were made. However, according to the FCRA, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: NC

Complaint narrative:
I am writing to formally lodge a complaint regarding the handling of my credit report disputes by the major credit bureaus, including [ XXXX, Equifax, and XXXX ]. I believe that the credit bureaus did not conduct a thorough and complete investigation into the items I disputed, as required by the Fair Credit Reporting Act ( FCRA ).

After conducting my own investigation, I have gathered substantial evidence proving that the credit bureaus did not meet their obligation to investigate my disputes properly. Despite my submission of detailed information and documentation supporting my claims, the credit bureaus failed to correct the inaccuracies in my credit report. As a result, the disputed items remain on my credit report, which has caused significant and unjust harm to my credit standing.

I am requesting the immediate removal of all the disputed items from my credit report, as the credit bureaus have not fulfilled their legal duty to investigate these disputes adequately. I trust that the CFPB will take appropriate action to ensure that my rights are protected and that the credit bureaus comply with the FCRA.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: NC

Complaint narrative:
I am writing to formally lodge a complaint regarding the handling of my credit report disputes by the major credit bureaus, including [ Experian, XXXX, and XXXX ]. I believe that the credit bureaus did not conduct a thorough and complete investigation into the items I disputed, as required by the Fair Credit Reporting Act ( FCRA ).

After conducting my own investigation, I have gathered substantial evidence proving that the credit bureaus did not meet their obligation to investigate my disputes properly. Despite my submission of detailed information and documentation supporting my claims, the credit bureaus failed to correct the inaccuracies in my credit report. As a result, the disputed items remain on my credit report, which has caused significant and unjust harm to my credit standing.

I am requesting the immediate removal of all the disputed items from my credit report, as the credit bureaus have not fulfilled their legal duty to investigate these disputes adequately. I trust that the CFPB will take appropriate action to ensure that my rights are protected and that the credit bureaus comply with the FCRA. 

Thank you for your assistance.

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 2024-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: MO

Complaint narrative:
TODAY I CHECKED MY CREDIT REPORT AND THIS ACCOUNT IM REPORTING TO BE DELETED AND BLOCKED IS STILL REFLECTING ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: FL

Complaint narrative:
Sirs, Despite my repeated efforts, Experian continues to report inaccurate information, which has caused me significant harm. I have sent multiple letters ( with attached certified mail proof marked as Experian D ) and have also submitted several complaints through the CFPB portal ( case numbers listed below ). However, Experian has consistently responded by claiming they have " verified '' the account. This approach is both unnecessary and incorrect. The account should be deleted, as it contains severe inaccuracies that violate the law. 
Previous Cases, Where the Company Did Nothing : XXXX XXXX XXXX XXXX I hereby outline the inaccuracies reported by Experian, which are unrelated to any account verification processes that Experian has repeatedly and improperly invoked over the past several months : 1. Illegal Monthly Updates on a Charged-Off Account : As demonstrated in the attached document marked Experian Discover Reporting updates, Experian has been unlawfully updating a charged-off account on a monthly basis. This practice is not only inaccurate but also violates the Fair Credit Reporting Act ( FCRA ).

2. Inconsistent Reporting Across Credit Agencies : The attached document, marked Experian Reporting Differences, clearly illustrates discrepancies between the reports from XXXX, XXXX, and Experian regarding the same account. Specifically, the Date Last Active is reported differently by each agency. Such inconsistencies are not only inaccurate but also constitute a violation of federal law under the FCRA. 
These actions by Experian are in direct contravention of the law, and I demand the immediate deletion of this inaccurate account from my credit report. Failure to correct these inaccuracies may result in further legal action.

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 2024-09-01 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:
am writing to request the removal of unauthorized credit inquiries on my credit report. My latest credit report shows credit inquiries that I did not authorize. I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance.

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 2024-09-01 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: FL

Complaint narrative:
am writing to request the removal of unauthorized credit inquiries on my credit report. My latest credit report shows credit inquiries that I did not authorize. I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX 3 fraudulent charges were made {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After contacting Chase Bank claims department They credited my account on XX/XX/XXXX however I checked my account on XX/XX/XXXX and saw that Chase reversed the credits on XX/XX/XXXX. I contacted Chase, spoke to an XXXX and she said that the claims department reversed the credits because they did not find any proof of fraud. XXXX told me I would have to get a letter from my employer stating I was present at work that day since the transactions appear to have happened via XXXX at XXXX. I since then I have deleted my XXXX  account. I am very upset that Chase is denying these credits, I work hard for every dollar I earn and did not make these purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-09-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: NJ

Complaint narrative:
Lately I've going over my credit report and noticed various inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking to verify : 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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: MN

Complaint narrative:
XXXX XXXX XXXX has an at fault accident reported on my driving recors for XX/XX/year>. This was not an at fault accident. It was damage caused by a hail storm for which I filed a claim for comprehensive insurance. I have documentation of this in both photos and documents provided by XXXX XXXX XXXX. This error in reporting is affecting my insurance premiums. I am unable to cantact anyone with XXXX regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been getting emails and text messages almost every day for the last month asking me about making additional payments on my credit card balance. I have spoken with the credit card company multiple times telling them that I spoke someone who said I can pay {$25.00} but I will still be considered late and will continue to be reported to the credit bureaus. The rep says they understand every time I talk with them on the phone and then they ask me again, " how much can you pay? '' Right after I told them I can not pay any more that what I paid. I get 2-3 emails a day and about 2-3 text messages a day. It is very disheartening and overwhelming. They are not actually trying to work with me. They just want me to pay what I don't have. I am in the situation due to $ XXXX in rent, food, gas, and a pay cut at the time I had to start using my credit card to cover emergencies. My pay has been made every month based on what I could pay after asking Captil One but now, due the interest rate increasing, I pay 29.99 percent interest and between {$85.00} - {$100.00} in interest fees. My bill is now just over {$300.00} due to late fees and interest. I have starting working more hours and we are looking for other work to start to increase our take home pay to hopefully pay off our balance in the next 3-6 months. XXXX and XXXX I started getting messages constantly bombarding me with text messages and email. I can not continue to operate like this. We are just trying to survive to pay rent when take XXXX checks XXXX XXXX XXXX with the funds or about 60 percent of my income just to cover rent. My other creditors are working with me now accept Capitol One.

Company response to consumer: Closed with explanation