vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
Original Loan Amount : {$7900.00} Current balance : {$7100.00} Transact Date Principal Insterest Fees Payment Prin Bal Interest Due Payment XX/XX/year> {$0.00} {$100.00} {$0.00} {$100.00} {$6800.00} {$55.00} Payment XX/XX/year> {$0.00} {$100.00} {$0.00} {$100.00} {$6800.00} {$130.00} Payment XX/XX/year> {$290.00} {$0.00} {$0.00} {$290.00} {$6800.00} {$0.00} Payment XX/XX/year> {$25.00} {$270.00} {$0.00} {$300.00} {$7100.00} {$0.00} Payment XX/XX/year> {$110.00} {$180.00} {$0.00} {$290.00} {$7200.00} {$0.00} Payment XX/XX/year> {$86.00} {$210.00} {$0.00} {$290.00} {$7300.00} {$0.00} Payment XX/XX/year> {$0.00} {$290.00} {$0.00} {$290.00} {$7400.00} {$81.00} Payment XX/XX/year> {$110.00} {$86.00} {$0.00} {$200.00} {$7400.00} {$0.00} Payment XX/XX/year> {$110.00} {$180.00} {$0.00} {$300.00} {$7500.00} {$0.00} Payment XX/XX/year> {$250.00} {$41.00} {$0.00} {$300.00} {$7600.00} {$0.00} I have paid {$2400.00} to this account and only {$1000.00} has gone to Principal they are taking {$1400.00} in interest. That comes to a {$180.00} per month in interest payments that comes to {$6.00} per day that they are charging me. This is considered predatory lending charging high interest rates not by the month but by the day. So you would be locked into this loan long term with no end of paying it off. If XXXX payoff this loan today it would cost me 10 day payoff : {$7200.00} - valid until XX/XX/XXXX and the Original Loan Amount : {$7900.00} which means I would have only paid {$650.00} toward the principal.

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 2024-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I asked for a debt verification validation. With my signature signing uo for this credit card and they showed me receipts of someone using the credit card. Investigate and remove off my credit please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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 non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
Harris and Harris have called nonstop in reference to a debt owed by my husband. They have made contact with my husband and call his phone on a daily after they were asked not to call. They have also contacted me, and I told them to put it in writing. Today XXXX my XXXX  child was at school and received a call from Harris and Harris telling my XXXX  child to have her dad contact them. My daughters phone number is not on the account and is not in my name or my husband 's name, so I don't understand how they receive this information. I asked for something in writing, and they said they mailed it out is XXXX. We never received anything, and this is getting to be a lot for a small debt that I could take care of after the holidays. The debt they are saying that is owed is also the wrong amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: AL

Complaint narrative:
Under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX  under 22 U.S.C. 7102 ( 12 ). This situation makes me eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142.

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 2024-12-03 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: VA

Complaint narrative:
I'm not liable for this debt with QUALIA COLLECTION SERVICE. I do not have a contract with XXXX XXXX XXXX XXXX XXXX. They did not provide me with the original contract as i requested

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
Specific Issues with the Investigation : Phone Number Discrepancy : The investigation stated that the account in question was created and activated using a phone number ending in XXXX back in XX/XX/year>. However, I have never used or owned a phone number ending in XXXX at any point. 

Date of Birth and Name Errors : The account in question contains a date of birth and name that do not match mine. These errors further indicate that this account does not belong to me and has been inaccurately associated with my identity. 

Account Ownership : I have no knowledge of or connection to this account. It was neither created nor authorized by me, and the presence of this erroneous information on my credit file is both harmful and unwarranted. 

Supporting Evidence : To aid in resolving this issue, I am providing the following documents : A copy of my government-issued identification ( drivers license or passport ). 
A utility bill or other documentation to confirm my contact details and address. 
I respectfully request that this inaccurate account be removed from my credit file immediately. Furthermore, I ask that all communications regarding the resolution of this matter be shared with me promptly. 

Legal Compliance : As a consumer, I rely on the protections provided under the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting not only violates my rights under the FCRA but also has potential implications for fraud or identity theft. I trust that this matter will be addressed thoroughly and promptly to prevent any further damage to my creditworthiness.

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 2024-12-03 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: GA

Complaint narrative:
Specific Issues with the Investigation : Phone Number Discrepancy : The investigation stated that the account in question was created and activated using a phone number ending in XXXX back in XX/XX/year>. However, I have never used or owned a phone number ending in XXXX at any point. 

Date of Birth and Name Errors : The account in question contains a date of birth and name that do not match mine. These errors further indicate that this account does not belong to me and has been inaccurately associated with my identity. 

Account Ownership : I have no knowledge of or connection to this account. It was neither created nor authorized by me, and the presence of this erroneous information on my credit file is both harmful and unwarranted. 

Supporting Evidence : To aid in resolving this issue, I am providing the following documents : A copy of my government-issued identification ( drivers license or passport ). 
A utility bill or other documentation to confirm my contact details and address. 
I respectfully request that this inaccurate account be removed from my credit file immediately. Furthermore, I ask that all communications regarding the resolution of this matter be shared with me promptly. 

Legal Compliance : As a consumer, I rely on the protections provided under the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting not only violates my rights under the FCRA but also has potential implications for fraud or identity theft. I trust that this matter will be addressed thoroughly and promptly to prevent any further damage to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Specific Issues with the Investigation : Phone Number Discrepancy : The investigation stated that the account in question was created and activated using a phone number ending in XXXX back in XX/XX/year>. However, I have never used or owned a phone number ending in XXXX at any point. 

Date of Birth and Name Errors : The account in question contains a date of birth and name that do not match mine. These errors further indicate that this account does not belong to me and has been inaccurately associated with my identity. 

Account Ownership : I have no knowledge of or connection to this account. It was neither created nor authorized by me, and the presence of this erroneous information on my credit file is both harmful and unwarranted. 

Supporting Evidence : To aid in resolving this issue, I am providing the following documents : A copy of my government-issued identification ( drivers license or passport ). 
A utility bill or other documentation to confirm my contact details and address. 
I respectfully request that this inaccurate account be removed from my credit file immediately. Furthermore, I ask that all communications regarding the resolution of this matter be shared with me promptly. 

Legal Compliance : As a consumer, I rely on the protections provided under the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting not only violates my rights under the FCRA but also has potential implications for fraud or identity theft. I trust that this matter will be addressed thoroughly and promptly to prevent any further damage to my creditworthiness.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 non-monetary relief
Consumer complaint received 2024-12-03 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: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-03 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: FL

Complaint narrative:
I am writing to formally request the removal and blocking of fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) Section 605B. The accounts listed below are the result of identity theft and do not belong to me. Account : 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 2024-12-03 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: NC

Complaint narrative:
I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.

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