vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX, I got a notification from my Bank that a new credit inquiry had been made in my name. This inquiry was Fraudulent. The suggestion was to log into all three credit bureaus to get a copy of my report, dispute the credit inquiry, and set up a freeze. 

I was able to do so with XXXX and XXXX without issue. Experian, however, has made it impossible. I was prompted to create an account, which I attempted to do, but when it asked me to verify my information I was unable to - somebody else had fraudulently created an account using my information. 

I have called roughly 10 times on XXXX. Each time, the automated system gives me unhelpful options- such as " are you having trouble accessing your account ''? When I say " yes '', it sends a reset password email to the fraudulent email address. That is not helpful. 

When I get ahold of a human, they redirect me to the membership hotline. That rings 3 times each time and says " system error '' and hangs up. 

Sometimes the service reps will direct me to say " membership '' as the cause of my issue to the automated system. Doing so prompts the automated system to send me a text message listing the paid services available - paid services I can not access, because they are unable to help me with my account. 
This company provides no way for me to access my credit report. Period.

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 2025-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC
State: NV

Complaint narrative:
This vehicle was involved in a total loss accident XX/XX/XXXX. XXXX XXXX XXXX received payment of about {$24000.00} plus from our insurance XXXX. A so called adjuster ( XXXX ) from Global Lending would only send emails about out next steps and we attempted to call the adjuster several times and replied to the email as we have never had a total loss before so the process was not very clear. After several unreturned calls and no email response we took it upon ourselves to call our GAP warranty XXXX on XX/XX/XXXX and they told us " this is how the companies get you & not tell you that the client has to call and start the GAP claim and can and will cause your credit to be affected. '' Global Lending has left late fee remarks which has tremendously dropped mine and my husbands credit score. Literally that day I attempted to call XXXX again and left a message and still til this day no return has been given. XX/XX/XXXX i received and alert from XXXX XXXX saying something that my account had been paid and when I check the remarks it is saying that the account has been charged off. Global Lending needs to get this fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
This account was charged off on XX/XX/year> : Since then, the date last active has been inconsistently updated. On XXXX the date last active is ( XX/XX/year> ) on Transunion its ( XX/XX/year> ) and on XXXX its ( XX/XX/year> ). If the information is coming from the original creditor, the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. 

Capital 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 2025-01-06 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: NY

Complaint narrative:
This account was charged off on XX/XX/2019 : Since then, the date last active has been inconsistently updated. On XXXX the date last active is ( XX/XX/2019 ) on XXXX its ( XX/XX/2019 ) and on Equifax its ( XX/XX/2019 ). If the information is coming from the original creditor, the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. 

XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I cancelled an autopay with CITI BANK on XX/XX/year> XXXX XXXX  that was scheduled for XXXX. I received confirmation number XXXX that my autopay was cancelled with XXXX XXXX XXXX XXXX XXXX ( XXXX ). I then submitted full payment for my bill with XXXX XXXX XXXX XXXX ( XXXX ) for {$1800.00}. 

On XX/XX/year> My XXXX payment successfully processed but I noticed I had a pending charge for the upcoming cancelled autopay with XXXX for {$1800.00}, I contacted CITI BANK and representative XXXX informed me I had no future payments scheduled. 

On XX/XX/year> CITI BANK deducted {$1800.00} from XXXX which was the date of the original autopayment. I contacted CITI BANK and representative XXXX informed me they had no payment history for 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 2025-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALPHA MIDCO INC
State: MS

Complaint narrative:
This is the second complaint I have filed about this debt, please see claim number XXXX. This " debt '' was reconciled with the hospital at the time of service. Therefor, there was never any debt to be had. I am not sure where this company, Sapientes Funding II , LLC, came up with this debt nor the amount. I have tried to explain to them that I don't owe anything and if I do to please show me what information they have expressing that I do. I have been hung up on and ignored so I returned the favor. This company calls all hours of the day and then hangs up when you ask a question. I do not believe this is a legitimate debt and I do not think this is a legitimate company. They harass people over fake debts and post hard credit checks just to bully people into paying them. This is not that much money but it is the principal that what this company is doing is predatory and wrong. Please look into this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: IL

Complaint narrative:
My credit report has someone else 's information including former name, current address, open/revolving accounts, auto loan. His usage is affecting my credit score. I want to get this fixed. I am writing the last 4 digits of all the open accounts that do not belong to me ( XXXX XXXX XXXX ) but are reflecting on my credit report. 

XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 There is a closed account XXXX XXXX XXXX also which DOES NOT belong to me. 

In my entire life, I applied for one credit card from XXXX  which end with XXXX and I do not see that on my credit report. 

Now I see a XXXX XXXX XXXX XXXX which also does not belong to me XXXX XXXX XXXX and has a account number ending with XXXX. It has a balance of {$19000.00} and term duration of 72 MONTHS. How can I give this precise information about someone else 's auto loan because it is reflecting on my equifax credit report. 

There is also a COLLECTION reported on my credit report and it DOES NOT belong to me. Here is the information : XXXX XXXX - XXXX. XXXX XXXX XXXX Original Creditor Name- XXXX XXXX IL Date Assigned-XXXX XXXX, XXXX Original Amount Owed- {$200.00} Amount- {$210.00} Status Date-XXXX  XXXX, XXXX Status-UNPAID Balance Date-XXXX  XXXX, XXXX Account Designator Code-INDIVIDUAL_ACCOUNT Account Number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification-RENTAL_OR_LEASING Date of First Delinquency-XXXX  XXXX, XXXX Coming to Personal Information the following personal information is also INCORRECT : Incorrect Name- XXXX XXXX Incorrect Former Names : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Incorrect Social Security ending with XXXX Incorrect Date of Birth : XXXX XXXX XXXX 

And now I m listing all the incorrect Current and Former Addresses : Status Address XX/XX/XXXX CURRENT XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX I've attached the screenshots from my Equifax Account to support my request. All the information mentioned above needs to be removed and fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: WA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-01-06 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:
This morning, I noticed an unauthorized inquiry on my credit report without any explanation. I double-checked by refreshing my browser, hoping it was just an error, but it wasnt. The discrepancy remains, leaving me extremely stressed. I demand an immediate review of the documents I submitted so this issue can be resolved once and for 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 non-monetary relief
Consumer complaint received 2025-01-06 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-06 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: FL

Complaint narrative:
I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the error category.

( 4 ) the creditors failure to accurately reflect a payment made by the obligation or credit issued to the obliged on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

15 U.S. code 1681a ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding listed accounts. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error- therefore. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete these alleged late payments from my credit report and update my accounts to paid as agreed. The FCRA allows 30 days for these errors to be rectified. 

With XXXX, Transunion, and XXXX account : XXXX XXXX account number : XXXX Has reported XXXX late payment dates XX/XX/XXXX and XX/XX/XXXX I have never been late on this account or any accounts Account XXXX ( account XXXX XXXX XXXXXXXX ) is being reported on Transunion, XXXX, and XXXX as XXXX  on date XX/XX/XXXX. I have never been late on this account or any accounts on my report Account XXXX XXXX  ( account XXXX XXXX XXXX ) is being reported on Transunion, XXXX, and XXXX as late on dates XX/XX/XXXX and XX/XX/XXXX. It is also reported on my XXXX late also on XX/XX/XXXX, XX/XX/XXXX, and from XX/XX/XXXX through XX/XX/XXXX as late. I have never been late on my mortgage account or any account on my credit report. 

Account XXXX XXXX XXXXXXXX ( account XXXX XXXX XXXXXXXX ) is being reported on My Transunion, XXXX, and XXXX as late on date XX/XX/XXXX ). I was never late on this account or any accounts. 

In XX/XX/XXXX. I mailed XXXX, XXXX, and Transunion to please either show proof of late payments or please update my credit as never late. I have yet to receive a response from them or any update in n 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 2025-01-06 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: VA

Complaint narrative:
there is a fraudulent auto loan being reported to my consumer report XXXX XXXX XXXX Account Number : XXXX under the FCRA 1681i ( a ) ( 5 ) - Duty to Correct or delete inaccurate information Experian is in violation I have also included FTC identity theft report AS THIS ACCOUNT IS A RESULT OF IDENTITY THEFT REMOVE THIS ACCOUNT IMMEDIATELY

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 2025-01-06 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: LEXISNEXIS
State: MD

Complaint narrative:
I am writing to report that my data has been compromised due to a data breach, which has negatively impacted my credit. This breach has exposed my sensitive information, resulting in unauthorized access and use of my credit profile. I believe this incident violates my rights as a consumer and has caused financial and reputational harm. 

I request that this matter be investigated promptly and appropriate actions be taken to address the breach, secure my data, and prevent further misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
hello this is for the XXXX credit bureaus, I been working on my credit report for 6 months and I have add some good account to create good credit and the score says XXXX and is not generating. I would need the credit bureaus to report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
The company Lobel Financial sued me and I was unaware that I was being sued and contacted my employer for wage garnishment after being issued a court order to garnish my wages from a hearing that I was never notified of. On the documents that the company sent my job they listed a previous address of mine that I have not lived in for over 10 years. This company also previously garnished my wages from another job back in XXXX and I was unaware that I was being sued and needed to show up to court to defend myself. The company put in effort to find out my places of employment but no effort to properly find out my current residence to serve me with paperwork regarding a lawsuit. This issue was also disputed on my credit report with a credit reporting agency and I no longer owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-06 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
I have requested debt validation from this company and havent received any response 30 days has passed and the debt hasnt been removed and is still reporting negatively to my credit I have yet to be given documentation that proves this company is allowed to collect on this debt the original debt amount and creditor and proof the debt belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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