vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 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: MI

Complaint narrative:
I opened a XXXX XXXX  credit card and then COVID hit. I had no money and was unable to make my payments due to the world wide pandemic. This account was supposed to go into a state of pause until we were able to go back to work and the world came back online. I kept in touch with them because we couldn't get unemployment and we were unable to even feed out family, let alone make the payments. 
This account was supposed to go on hold until the end of XXXX. XX/XX/XXXX, I called to start making my payments again and they told me the account had been sold to a collection agency. I didn't understand - I thought we had an agreement to not hit my credit report negatively and the account was supposed to be on hold. they couldn't give me any more information than that and I was unable to make a payment. 
I later found out that they transferred to XXXX XXXX XXXX with a TON of fees that were not supposed to be there. I never got a bill. I thought we had an agreed arrangement. I had never had a late with them and I did my due diligence to call and put the account on hold until COVID was over. I understand that I owe some money to finish my loan with them, but it is not what is reporting at {$2000.00}. I believe I owe closer to XXXX XXXXXXXX {$1000.00} but nobody can tell me anything. 
I am not saying that I wont pay this but this is not my fault and I cant be blamed for w pandemic that ruined my income and be penalized this way. I would like records of what was done and I would like to only pay what I owed initially as this is what is fair.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I opened a XXXX  XXXX  credit card and then XXXX hit. I had no money and was unable to make my payments due to the world wide pandemic. This account was supposed to go into a state of pause until we were able to go back to work and the world came back online. I kept in touch with them because we couldn't get unemployment and we were unable to even feed out family, let alone make the payments. 
This account was supposed to go on hold until the end of XXXX. XX/XX/XXXX, I called to start making my payments again and they told me the account had been sold to a collection agency. I didn't understand - I thought we had an agreement to not hit my credit report negatively and the account was supposed to be on hold. they couldn't give me any more information than that and I was unable to make a payment. 
I later found out that they transferred to Midland Credit management with a XXXX  of fees that were not supposed to be there. I never got a bill. I thought we had an agreed arrangement. I had never had a late with them and I did my due diligence to call and put the account on hold until COVID was over. I understand that I owe some money to finish my loan with them, but it is not what is reporting at {$2000.00}. I believe I owe closer to $ XXXX {$1000.00} but nobody can tell me anything. 
I am not saying that I wont pay this but this is not my fault and I cant be blamed for XXXX pandemic that ruined my income and be penalized this way. I would like records of what was done and I would like to only pay what I owed initially as this is what is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$48000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$57000.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}

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 2023-12-13 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: CA

Complaint narrative:
I am writing to formally dispute an unauthorized inquiry made by XXXX XXXX, which appeared on my Equifax Credit Report XXXX The inquiry, dated XX/XX/2023, was conducted without my consent or authorization, thereby violating the Fair Credit Reporting Act ( FCRA ). 

The unauthorized inquiry by XXXX XXXX has adversely affected my credit profile without lawful basis or my explicit permission. As per the FCRA, any credit inquiry made on my credit report requires express consent, which I did not provide to XXXX XXXX. 

I am formally requesting an investigation into this matter and the immediate removal of the unauthorized inquiry from my credit report. According to FCRA guidelines, I am entitled to verification and documentation validating the legitimacy of this inquiry, which I have not received. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry for your reference and investigation. 

I request that Equifax conducts a thorough investigation into this unauthorized inquiry by XXXX XXXX and provides me with a written confirmation of its removal from my credit file. Furthermore, any adverse effects on my credit score or creditworthiness resulting from this unauthorized inquiry must be rectified promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: GA

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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-13 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: GA

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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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 explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XX/XX/2023, an unauthorized hard inquiry was made by XXXX XXXX XXXX on my Consumer credit report. I first called the contact number associated with XXXX XXXX XXXX who told me that it was not in fact them, but another company under them and gave me another contact number. When calling the second company, the phone was answered by someone who didn't and wouldn't introduce themselves properly for me to know if I was even calling the right business. Demanded to know my name and that someone would call me back. I was then called by agent XXXX who insisted that he had no control over removing the hard inquiry when in fact, Experian told me as the creditor they do have control. After, I called Experian back to dispute the fraudulent activity, I was told the inquiry would be removed within XXXX hours. Not even XXXX hours and Experian has closed the dispute without fair resolution, with the unjust inquiry remaining on my report. In addition, I did not give Experian permission to furnish this information on to my report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

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 2023-12-13 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: FL

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2023-12-12 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 delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
there was no debt it was paid in full and they still took money from banking accounts etc and had negative impact on my credit score and all payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
On XX/XX/XXXX a debt collection was added to my credit report which significantly affected my XXXX XXXX. The company Phoenix Financial XXXX is claiming a debt of {$740.00} for which I never received a written bill, statement or proof of services. They are claiming this was from an ambulance use back in XXXX and 4 years later they are claiming this amount is owed, even when I have not received any written bills since then. I also had medical insurance through XXXX XXXX at the time which would have notified me if I owed any out-of-pocket amounts for medical bills, but no company notified me of any debts in writing. I attempted to ask for written proof of this amount owed to the debt collection company and I was yelled at - the representative said that I needed to pay over the phone right there and then while raising his voice. I said I needed to see a written bill before providing any financial information over the phone. I think this debt has been unfairly added to my credit report and it is violating my rights as a consumer according to the FDCPA due to failure to validate debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: DC

Complaint narrative:
This is a dispute matter regarding old phone that needs to be removed and add my new number!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I opened a gardener white credit card and then XXXX hit. I had no money and was unable to make my payments due to the world wide pandemic. This account was supposed to go into a state of pause until we were able to go back to work and the world came back online. I kept in touch with them because we couldn't get unemployment and we were unable to even feed out family, let alone make the payments. 
This account was supposed to go on hold until the end of XXXX. XX/XX/XXXX, I called to start making my payments again and they told me the account had been sold to a collection agency. I didn't understand - I thought we had an agreement to not hit my credit report negatively and the account was supposed to be on hold. they couldn't give me any more information than that and I was unable to make a payment. 
I later found out that they transferred to XXXX XXXX management with a TON of fees that were not supposed to be there. I never got a bill. I thought we had an agreed arrangement. I had never had a late with them and I did my due diligence to call and put the account on hold until COVID was over. I understand that I owe some money to finish my loan with them, but it is not what is reporting at {$2000.00}. I believe I owe closer to $ XXXX {$1000.00} but nobody can tell me anything. 
I am not saying that I wont pay this but this is not my fault and I cant be blamed for XXXX pandemic that ruined my income and be penalized this way. I would like records of what was done and I would like to only pay what I owed initially as this is what is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: MA

Complaint narrative:
Hello to who it may concern ; Hi well i was looking at my credit report and i find out incorrect information of me and the only information you should have on my credit report should be the following only. 

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX : XX/XX/1986 Any other information thats not accurate to what i just told you in this letter i want it removed as soon as possible and i mean it as soon as possible please and thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: MA

Complaint narrative:
Hello to who it may concern ; Hi well i was looking at my credit report and i find out incorrect information of me and the only information you should have on my credit report should be the following only. 

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX : XX/XX/1986 Any other information thats not accurate to what i just told you in this letter i want it removed as soon as possible and i mean it as soon as possible please and thank you.

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 2023-12-13 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have an open account on my credit report that is not mine. I don't know what this credit card is and I did not open it. It is showing a balance higher than allowed number one and it is not mine. It is and has hurt my credit report because the payment is late. I have never received a bill from this company and I don't even know what this is?? 

XXXX is the name of the company

Company response to consumer: Closed with explanation