vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 


XXXX  XXXX Account # : XXXX Inaccuracies : 1. Future Reporting Dates : o XXXX Last Reported : XX/XX/XXXX o XXXX Last Reported : XX/XX/XXXX o Reporting future dates violates the FCRA 's accuracy and timeliness rules. 
XXXX. Balance Inconsistency : o The account balance is reported as {$700.00}, but the Credit Limit is {$500.00}. 
o A balance can not exceed the credit limit without proper verification, indicating a reporting error. 
3. Comments Conflict : o XXXX : " Dispute resolved ; reported by grantor. '' o Experian : " Unpaid balance reported as a loss by the credit grantor. '' o XXXX : " Accounts closed by credit grantor. '' o The comments are inconsistent across the bureaus, suggesting unreliable reporting. 
4. Date Discrepancies : o Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX o These dates should align if the account activity is accurate. 
5. Two-Year Payment History : o XXXX and XXXX show XXXX CO '' ( Charge Off ) for multiple months. 
o Experian indicates " OK '' status after some " CO '' entries, which conflicts with the derogatory status. 
6. Account Type/Status : o Listed as Revolving Credit Card but simultaneously flagged as Collection/Chargeoff. 
o Accounts can not be both " revolving '' and charged off without further clarification. 


The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXXXX/XX/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 2024-12-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
back in XXXX, Title Max in XXXX, Ga, XXXX XXXX. my car due to lack of payment, which they did more than once. With XXXX hitting our business hard, I was struggling to keep possession of my car, a XXXX XXXX XXXX, and the loan wasns't near what I could have gotten from them, like {$6000.00} plus dollars. The last time they repoe 'd my vehicle, my husband and I got a ride to the repo lot and papid everything up at that time, but the battery was dead, so the yard guy, XXXX hooked up a charger on it. Well within minutes maybe seconds my car started smoking! We hauler to the guy to take it off the car! We didnt see any damage from the smoke but we knew something wasn't right about it! After this incident, the car ran horrible. Before I could get things in order they came and picked my car up for the last time and sold it. I know that it was my doings for the repossession, yet they have not contacted me with the saling information, and I believe they owe me some money for the exchange. l regret that i LET THEM TAKE IT, but I was so worn out from all I was losing that it was just too much. I would really appreciate your opinion on this matter. Also, I was sent a Breach of Information from the company, and would like to know if there is anything I can do to get this looked into too?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc.
State: NM

Complaint narrative:
On XX/XX/year> I took delivery of a new Tesla XXXX XXXX. The price of the vehicle, including taxes and fees totaled {$54000.00}. The amount of the deposit and payment from me at time of delivery was {$40000.00}. The amount financed should have been {$14000.00}. I have a contract that states such. Instead, Telsa contracted with XXXX XXXX XXXX and sent them a fraudulent contract with the amount financed as {$31000.00}. I became aware of the discrepancy when I got my first statement from XXXX XXXX XXXX. My first attempt at correcting the problem was by certified mail to XXXX. I have written several times to Tesla , Inc, XXXX XXXX XXXX and the Attorney General of the state of XXXX XXXX. On XX/XX/XXXX I received of check from Tesla for {$17000.00}. with an explanation of " Overpayment refund. '' I returned the check to Tesla explaining that I did not agree to borrow {$31000.00} and would not make payments on that amount. I made the XXXX and XXXX payments on account based on the contract I agreed to, {$200.00} per month. On XX/XX/XXXX, as a sign of good-faith, I made a payment to make up the difference of what they say I owe and the amount I paid for those XXXX months. On XX/XX/XXXX I was notified that a 'late payment ' was reported to the credit bureaus. My credit score has been in excess of 800 for many years, When I checked my FICO score it had been reduced to XXXX, a decrease of XXXX points. Short of hiring an attorney to resolve this situation, I think I've done all I can to communicate with Tesla and XXXX XXXX, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX {$570.00} This collection is the results of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Starting in XXXX, I have made multiple attempts to contact XXXX and Experian Credit Bureaus with no success. When I contact XXXX, if gives you an option to speak to a representative, but I've been unable to get through the automated system because I don't know the answers to the questions that the automated system asks to verify my identity. When I contact Experian, there is no actual option to speak with a representative. 
I recently received my credit report, but I need to ask questions about what the details of the report mean. In order to do this, I need to speak with an actual human because neither the automated systems or online support has the question I have listed in the available options. 
I also wanted to inquire about freezing my social security number ; but again, there is no option to do this.

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 2024-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: KY

Complaint narrative:
MOHELA conspired with XXXX to engage in a ruse for which XXXX was fined more than XXXX XXXX USD by CFPB. MOHELA has sent mail in mail fraud, and has continued to make collection calls despite having been informed to Cease and Desist and that we are on a Federal Do NOT Call List. Each time MOHELA was informed to annotate the record that the automatic fine on FEDERAL DO NOT CALL LIST is {$1000.00} and it goes up from there. XXXX calls now, it is {$5000.00} plus {>= $1,000,000} for collecting our biometrics for which we claim all rights including our voice prints and do not consent to such collection or use. MOHELA confirmed that they recorded the call. MOHELA is currently liable for interstate wire fraud, unfair Debt Collection practices, and securities fraud for their failure and for their continued aggressive collection practices for which no debt has been verified, for which we do not consent, and for which XXXX has already been determined to have been engaged in unlawful activities. The caller identified herself as XXXX XXXX Employee ID XXXX MOHELA and called from XXXX The XXXX XXXX XXXX is Occupied indicating that MOHELA is acting without authority as XXXX XXXX XXXX XXXX 

We do not have a loan with MOHELA. We do not consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been actively disputing several accounts that were fraudulently opened or accessed in my name without my authorization. Despite providing the necessary documentation and evidence of the fraudulent activity, the process has been challenging. I have reached out to the involved institutions, filed reports as required, and requested that these accounts be investigated and corrected to reflect that they were not created or used by me. However, I am seeking further resolution to ensure my financial records are cleared of any responsibility associated with these fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been actively disputing several accounts that were fraudulently opened or accessed in my name without my authorization. Despite providing the necessary documentation and evidence of the fraudulent activity, the process has been challenging. I have reached out to the involved institutions, filed reports as required, and requested that these accounts be investigated and corrected to reflect that they were not created or used by me. However, I am seeking further resolution to ensure my financial records are cleared of any responsibility associated with these fraudulent activities.

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 2024-12-17 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: IN

Complaint narrative:
I looked at my ( XXXX ) report on XX/XX/year> and noticed some things are incomplete and not accurate. I have XXXX late payment reporting XXXX late on my report that was in fact paid on time. The consumer reporting agencies must report all information with complete accuracy. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( INSERT ACCOUNT NAME AND ACCOUNT NUMBER ) which reported a 30 day late payment in ( month day year ). They have violated my rights.And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. If this information can not be verified i demand this payment to be updated I am now requesting that you investigate this account and update these payments to paid on time. Thank you for understanding and prompt action. I have never missed a payment or been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: SD

Complaint narrative:
Equifax continues to practice delay tactics instead of handling the disputes and following FCRA laws. Disputed items XXXX weeks ago and they send a letter rquesting identity documents which is their standard of practice which leads to nothing but harmful delay with the open disputes and investigations. I have provided the information requested. Challenged and disputed items continue to be reported even while flagged to be investigated. 

Furthermore, I have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, May presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bartley & Spears, P.C.
State: TX

Complaint narrative:
I owe back HOA fees, which were turned over to Bartley and Spears... When starting the pay off they informed me of a {$500.00} charge to monitor my payments. I decided to finalize what I owe and pay off the amount now to avoid a {$500.00} monitoring fee. I began requesting to do so on XX/XX/XXXX of this year. They are still saying they are waiting to hear back from the attorney. Sometimes, the emails go unanswered. I have an entire email thread of my interactions with Bartley and Spears... I know my account was handed over to them fraudulently as I was in a payment arrangement with our community management company, y XXXX XXXX. Somehow, the signed agreement was lost and was turned into preferred ; even though preferred deposited my first payment, my account was still turned over to Bartley And Spears, and existing board members told me that they were not informed of my payment arrangement at the time I was sent to the attorney. At this point, I am just trying to pay this debt and move forward. 

Bartley & Spears , P.C . 

XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Telephone ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: LA

Complaint narrative:
I am writing to formally request the deletion and blocking of specific accounts from my credit report. I have recently discovered that I am a victim of a data breach, and I am requesting that the following accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The affected accounts are 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

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 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a check and it was lost. I do not know who it was from and was hoping I can be reissued another one

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 2024-12-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
I have been trying to get in contact with XXXX XXXX about a debt my wife owes. I am trying to reach a settlement to not waste our time paying on something for XXXX years. It has been XXXX hours with no contact and I just want this resolved. Their phone number does not let me through and they will not respond to my emails regarding her account. Their info is listed below XXXX Certification No : XXXX XXXX Certification No : XXXX Certified Since : XX/XX/year> XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX Employers : 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX Employers : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation