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

Complaint narrative:
I have disputed negative inaccurate debt collection information on my Experian consumer credit report that was reported inaccurately or accounts that doesn't belong to me from third party collections agency or lawyers several times I have also provided documentation supporting my statements and Experian has deliberately spoken to me in a hostile manner and continued to respond with nothing but an investigation result statement stating only that upon the investigation these accounts belong to you they refuse to provide original documentation proving the disputed accounts in fact belong to me after refusing to provide original documentation, contracts and signatures and source of investigations, Experian has continued to report inaccurate information /accounts that do not belong to me addresses and names that are not mine this unfair reporting has caused detrimental damage to my character my ability to apply for a place to live, credit, insurance or any type of home loans. It seems that after the last disputes Experian has deliberately reported any and every thing that is negative inaccurate or derogatory, that I have disputed that should've been removed according to the FCRA Acts all inaccurate missed spelled names inaccurate address derogatory inaccurate accounts, accounts opened without my authorization or knowledge to XXXX and or XXXX and all other credit reporting agencies inquiring about my credit worthiness and also closed accounts and all unauthorized hard inquiries. I am also a victim of identity theft and I have provided a police report that they have ignored. At this point I have no idea what to do as I am about to be homeless and I currently can't get any auto insurance with out paying XXXX times the price I currently can't get any credit without paying very high interest rates like 22 % I have never been able to become a home owner or get approved for a loan due to the false unfair reporting that Experian is deliberately reporting and or also the theft of my identity. I also have never in my life been able to get my score passed XXXX its in possible with the ill will behavior and deliberate actions of Experian.

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
About XX/XX/2011, I missed a couple of mortgage payments due to loss of work. I applied for a loan modification. The company asked for the same info over and over without resolution. It was my family home where I lived with my siblings and recently had become engaged at the time. I was offered {$1000.00} to move so that it would not go on my credit report as a foreclosure. I received no help and I believed my only option was to leave my childhood residence. It was very stressful for myself and my family. I am appalled by the {$200.00} settlement check received by Wells Fargo. I lost my childhood home, had to uproot and separate from my family, not to mention the stress it had caused in my relationship which eventually caused a separation between my wife and I. {$200.00} is truly an insult to my XXXX. This was a dramatic experience that I am now being reminded of.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I have two affirm accounts that were two small loans for a buy. Now pay later they went into collections called XXXX XXXX I paid them in full for one collection and made an agreement to pay to settle for less for the other collection for the past month I have been fighting with a Affirm to update the correct information on my credit report, they keep saying that I have a balance on both with both should have a XXXX balance, because I paid their collection agency in full for one and agreed to settle for less for the other, but it still should show as paid in full. I have called numerous times in the past month and they refused to update the information correctly stating I still owe a balance on both accounts and they have not updated my credit report. I do not owe a balance on either if they communicate with their collection agency properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the bankruptcy listed on my credit report. After reviewing my credit report, I have noticed that there is a bankruptcy filing reported under my name. However, I assure you that this information is inaccurate, and I request its immediate removal from my credit report. Bankruptcy 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 2024-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Data Systems contacted me to pay {$540.00} online. I have never done business with this company or know of any debt owed to them. 

XXXX ( EID = XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I regard this matter with utmost seriousness. Should you fail to address my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I hereby request a thorough reexamination of the following information and ask for evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Should you be unable to provide such evidence, I demand the immediate removal of these items from my 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 2024-03-11 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:
I requested for validation of debt and your company sent me a list of statement and a fraud packet. THAT IS NOT VALIDATING THE ALLEGED DEBT. YOUR COMPANY HAS VIOLATED THE FDCPA BY FURNISHING DEEPTIVE FORMS AND COMPILING INFORMATION TO MAKE IT AS IF IT IS A BILL. YOUR COMPANY IS ALSO BIOLATING THE FCRA YOU ARE TEPORTING THIS ACCOUNT ON MY CREDIT INACCURATE AND INCOMPLETE YOU ARE A THIRD PARTY DEBT COLLECTOR WHO IS REPORTING THE ACCOUNT ON MY REPORT. HOW CAN A COLLECTION BE LATE? YOUR COMPANY IS CAUSING DAMAGE TO MY REPUTATION EMOTIONAL DISTRESS XXXX AND DEFAMATION TO MY CHARACTER. NOW I AM SIMPLY DEMANDING THAY YOU REMOVE THIS ACCOUNT FROM MY REPORT OR I AM TAKING MY CLAIMS UP WITH AN ATTORNEY TO FILE A LIGITATION AGAINST YOUR UNFAIR DEBT COLLECTION PRACTICES AND SEEK CIVIL LIABILITY AN ACTUAL DAMAGES OF {$1000.00} PER VIOLATION. PLEASE DELETE THIS ACCOUNT FROM ALL 3 OF MY CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized 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
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Credit Acceptance has reported my account late in XX/XX/2024. This information is inaccurate and should not be reporting late at all.

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 2024-03-11 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: FL

Complaint narrative:
Since the data breach of 2017 by Equifax I have consistently had credit accounts on my report that arent mine and incorrect personal information change on my credit report. Additionally my data is being used and sold on the dark web. I have not been able to obtain any credit fairly and it hinders employment and travel. Please eliminate all accounts on all three reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I was issued an American Express reward gift card from XXXX XXXX and used it once on vacation then it was declined any other time I attempted to use. It still reflected a balance but was declined everywhere online and in person after the first use. I called multiple times and only received automation which does not give me any live person. I also went online multiple times and tried to get a response that way but nothing. I looked online and it appears this is a common occurrence with American Express and possibly a way they are scamming consumers. Online I was able to see that others have filed complaints this way to get their money.

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: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my XXXX XXXX. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
New Information/ Complaint : Subject : Formal Credit Dispute Letter Dear Sir/Madam , I trust this correspondence finds you in good health. My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, reachable at XXXX or XXXX. On this date, XX/XX/2024, I present to you a formal Credit Dispute Letter under the provisions of the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681I ).

I exercise my lawful right to contest dubious information unearthed in my personal credit report, invoking specific sections of the aforementioned Act : 1. **15 U.S.C. 1681c-2 : Block of information resulting from identity theft** I implore you to implement the necessary measures stipulated under 15 U.S.C. 1681c-2 to obstruct information stemming from identity theft.

2. **15 U.S.C. 1681a : Late payments under exclusions** I assert that late payments, as reported, contravene the illegality specified in 15 U.S.C. 1681a ( 2 ) ( 1 ) under exclusions. An earnest examination of this matter is urged.

3. **15 U.S.C. 1681b : Permissible purposes of consumer reports** Pursuant to this law, the implicated creditor lacks authorization to report on my credit. I insist on a comprehensive verification of the creditor 's permissible purpose and the accuracy of my complete file information, including the provision of a copy of my ID.

**Incorrect Account Information : ** The subsequent accounts are reporting inaccurately : - *XXXX XXXX- # XXXX - Reason : Identity Theft Fraud/Not mine - **XXXX XXXX- # XXXX - Reason : Identity Theft Fraud/Not mine I beseech a thorough investigation into these discrepancies and a prompt resolution of the matter. Your cooperation in rectifying these anomalies is earnestly appreciated. 

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not grant authorization or initiate these accounts, and it is unjust for me to bear responsibility for them. I implore you to promptly rectify this error.

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 2024-03-11 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 am unaware of this situation, and the company acted without consulting me.

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 2024-03-11 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:
XXXX XXXX XXXX has been negatively impacting my credit by reporting late and other inaccuracies. per 15 usc 1611/15 usc 60802 part b/ 15 usc 1692 f # 6

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: MD

Complaint narrative:
immediate deletion of the account and {$1000.00} per violation of the FCRA as I am writing to address a matter of great significance concerning the inaccurate information presented on consumer credit report this incorrect data has resulted significant hardships for my family leading to deny of credit, and challenges essential resources for our well being. Im deeply concerned and disappointed in regards to the inaccurate information made available to public through my consumer credit report. These inaccuracies has directly resulted in deny of credit which has had domino effect on our ability to obtain vital resources such as a car for employment, and a stable residence. Consequently this has caused my family and I to move from place to place causing substantial stress and instability in our lives. Denial of credit directly stems from the innacurate information from credit report as had profound impact on our financial stability. Without reliable transportation my employment oppurtunities have been severly limited impeding ability to provide for my family. More of the ability to secure a permanent residence has compounded difficulty in finding civil housing options has become increasingly challenging. Giving gravity of the situation in a midst hardship I am compelled to demand fair compensation and resolution for the damages suffering. I kindly request that you promptly rectify the inaccuracies on credit report and provide written confirmation of the corrections made. Considering the stress caused by the denial of credit im seeking compensation of the amount of $ XXXX to address the financial losses and emotional distress experienced by my family. The amount is reflected of the hardships endure the resulting expenses occurred and detrimental impact overall quality of life. I firmly believe in the principals of fairness and accountability, and I trust that you would treat this matter with seriousness it deserves. I urge you to initiate the necessary investigation and corrective actions without delay to rectify the innaccuracies on credit report. Failure to address matter within a reasonable timeframe may neccessiate legal recourse through arbitration or other available means as per the applicable law. I respectfully request a written response within 30 days from this date of letter acknowledged and received of my complaint. And outlying the actions being took for the innacurracies on credit report. Additionally please provide details regarding the compensation being offered to remedy the damages caused by innaccuracies thank you for this immediate attention. under 15usc1681, 16 CFR 1016.1

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: CA

Complaint narrative:
On XX/XX/2024, First Credit Services reported a debt to XXXX. This debt is false as the originator reports there is no due balance. Also, First Credit Services failed to call, email, or mail me about any debt. They have not sent a validation notice either. However, they reported the debt to credit reporting company. XXXX XXXX sent me a notification about this report and I have called First Credit Services and they continue to provide other numbers. They also requested SSN over the phone and when I refused, they terminated call. This appears to be a scam as the originator is not reporting a balance.

Company response to consumer: Closed with explanation