vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 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: PA

Complaint narrative:
I am writing to dispute a hard inquiry listed on my credit report. After reviewing my credit report obtained. I noticed an inquiry made by unauthorized creditors. However, I have no recollection of authorizing or initiating this inquiry, nor do I have any affiliation with those creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I think the account might not be valid. Westlake Portfolio Management. must confirm in a legally binding statement that this claim is legitimate and doesn't have any issues like breaches of agreement, lack of consideration, or significant changes, and that the original lender received proper value. Also, they must assure that the transfer of the alleged account was done in good faith with everyone 's agreement. If they can't provide this sworn statement, I demand the removal of the account from my credit record and their records.WESTLAKE FIN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: PA

Complaint narrative:
Could you please verify whether FCRA 605B necessitates the elimination of incorrect accounts from my credit report? Some of the accounts listed seem inaccurate in terms of reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank
State: AZ

Complaint narrative:
Approximately XXXX month ago a hacker changed my phone number, login information and address on the account. A fake payment was made and subsequent purchase made. I reported to the bank about the fake payment and charge, however I discovered that all my profile information had been changed. I called and spoke to customer service and was told I could not change the information back without sending a copy of my drivers license to them. I sent the required information XXXX weeks ago, I was told to call back, I have called XXXX  times and I am told they are verifying the information. A hacker has no problem changing my information, but me the account holder can't change it back or get the card unrestricted without sending Drivers license. Even with that, the bank continues to tell me it is being investigated. I spoke to XXXX today and he consulted with his supervisor which declined to provide his name, I was told again for the XXXX time that the information is being researched. This bank had no safe procedures to keep a hacker from changing my personal information, but for the account holder they refuse to acknowledge me and change my information back and unrestrict the card in a reasonable period of time. The customer service and/or supervisors are rude and unwilling to make the required effort to change the information back and unrestrict the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
US Bank denied my request for a statement when I was in the branch closing out my account XX/XX/XXXX. I handed the teller my debit cards for business and checking, clearly requesting a permanent closure of my three accounts. I knew without a doubt I had at least XXXX dispersed in three accounts yet US Bank continued to deny that I did. Finally they mailed my bank statements and clearly in two places it shows more money. On my business account statement it says ending balance on XX/XX/XXXX {$1200.00} and on my personal account it says ending balance XX/XX/XXXX {$340.00}. Why is it saying a balance is there when I closed this account? If there is still a balance then this is the money Im missing. They provided explanation of the check I was given. Yes that was the balance of my savings account. The teller handed me one sheet of three separate checks I thought it was the total refund for all three accounts but no it was only the refund of my savings with duplicate receipts. 

Furthermore I closed this account permanently yet got a recent email saying my bill payment was returned. Im not there anymore yet US Bank paid a bill and then reversed the bill for NSF and I was charged {$15.00} by my creditor for their error. 

Yes Im grateful US bank sent me statements that tell me I had more money in my accounts and now I can prove they stole money from me. People are complaining constantly about big banks removing money from their accounts and Im needing legal counsel because US Bank did not return my money and the bank teller REFUSED TO GIVE A STATEMENT when I closed the account. Plus now I had to pay a {$15.00} fee for us banks error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: OH

Complaint narrative:
I am writing to dispute an account that has been reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. After reviewing my credit report, I have found discrepancies that need to be addressed immediately. 

Furthermore, it has come to my attention that despite my dispute, your bureau has failed to conduct a reasonable investigation into the matter, which is a clear violation of the FCRA. The FCRA mandates that credit bureaus must conduct a reasonable investigation into disputed items on a credit report. The lack of investigation not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Someone used my credit and opened got an apartment under my name, Ive been trying to figure out who opened it and called the debt collector to have them give me the information they have on file to show Im not the owner or who opened this and they failed to do so. Not sure who else to talk too in order to have this removed this is hurting my credit and they arent trying to fix this with me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A fraudulent charge occurred on my corporate credit card with Citibank for {$670.00} from XXXX, after my card was stolen on XX/XX/year>. After speaking to Citibank, they mentioned that they would credit this back to my card within 2. Billing statements. Its been over 2 years and they have yet to refund this to my billing statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX Date of Birth : XX/XX/XXXXSS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. Identity Theft XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to dispute information regarding a bankruptcy on my credit report. On XX/XX/year> and XXXX XXXX, I previously disputed Lexisnexis, XXXX, XXXX, XXXX, and in response, they verified the item as accurate, stating that they had verified the information with the court. 

However, I recently contacted the court and received the response that is enclosed with this letter. As you can see, the court does not report to them, or any credit bureau, which means that your original response verifying the item with the court was either an error or a lie. 

The reporting of this record does not comply with FCRA 611 ( 15 U.S.C.

1681I ). Therefore, they must immediately delete this unverified record from my credit report. 

Their non-compliance with my request will also be construed as an absolute disregard of my consumer rights and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

I am sending this letter on my behalf, and XXXX XXXX XXXX XXXX XXXX XXXX included a copy of my ID to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: PA

Complaint narrative:
I noticed an unauthorized hard inquiry listed under my name. I have no recollection of authorizing this inquiry nor do I have any existing or prior relationship with the aforementioned creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: TX

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I have student loans through Sloan Servicing from Nelnet and they are reporting that my student loans were delinquent and closed and reopened through a fresh start program. This is causing there to be several late payments being reported on my credit report bringing down my score and affecting my ability to obtain a home mortgage at this time. I have contacted Nelnet at they refuse to correct the information stating that " no adjustment is needed ''. However Nelnet has been sued for inaccurately reporting information and failing to contact borrowers about repayment options. I never received any communications from Nelnet about my student loans being delinquent and have other student loans ( through other servicers ) that were deferred, in forbearance or in an IDR ( income driven repayment plan ). I believe Nelnet has failed to properly communicate with the borrower as I received communication from my other loan servicers in a deliberate attempt to negatively affect borrowers ability to obtain future loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: TX

Complaint narrative:
The account is paid in full and is still being reported as past due and late and caused a major dropped on my credit reports. As well as my address and job info needs to be updated corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have tried to apply to refinance my existing car loan. I have been declined for credit due to an excessive XXXX  ratio. I was declined for credit all together or given less favorable and affordable options. The reason for the excessive XXXX ratio is due to the error of XXXX XXXX XXXX XXXX. My conventional mortgage was originally issued as a joint mortgage with my spouse. It is currently listed with only myself as the borrower. This removal of my spouse has created a problem for me based upon what is being reported to the credit bureaus. I would like to be able to follow through with being able to receive credit without being discriminated against due to an error in reporting from the existing mortgage lender, XXXX XXXX XXXX XXXX. My inability to refinance my car is now causing an issue for me to not be able to get a good rate and lower payment. This has caused a financial hardship for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: TX

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: OH

Complaint narrative:
I am writing to dispute an account that has been reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. After reviewing my credit report, I have found discrepancies that need to be addressed immediately. 

Furthermore, it has come to my attention that despite my dispute, your bureau has failed to conduct a reasonable investigation into the matter, which is a clear violation of the FCRA. The FCRA mandates that credit bureaus must conduct a reasonable investigation into disputed items on a credit report. The lack of investigation not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
ON XXXX YOUR COMPANY RECIEVED A CFPB COMPLAINT FROM ME ( XXXX XXXX ; CFPB Case # : XXXX ) TO VALIDATE YOUR RIGHT TO COLLECT A DEBT. YOUR COMPANY RESPONDED ON XXXX WITH THE ATTACHED DOCUMENT, IN AN ATTEMPT TO VALIDATE YOUR ABILITY TO COLLECT. HOWEVER THE INFORMATION PROVIDED IN YOUR RESPONSE LETTER AND THE INFORMATION ON MY CREDIT REPORT APPEARS INACCURATE. THE ACCOUNT STATUS IS INACCURATE SHOWING OPEN ON ONE BURAES REPORTING AND CLOSED ON ANOTHER BUREAUS REPORTING. PAYMENT STATUS IS ALSO INACCURATE. XXXX BUREAU SHOWING " LATE 120 DAYS '' AND THE OTHER SHOWING " COLLECTION/CHARGE OFF ''. YOU REPORT A LAST PAYMENT DATE OF XXXX BUT YOUR RESPONSE LETTER ( ATTACHED ) STATES MY LAST PAYMENT WAS XXXX. YOU ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY. ONE BUREAU SHOWING XXXX AND ANOTHER BUREAU SHOWING XXXX. I HAVE ATTACHED ALL SUPPORTING DOCUMENTS SHOWING YOU YOUR ERRORS AND DEMONSTRATING YOUR INACCURATE REPORTING. YOU ARE IN VIOLATION OF SEVERAL FCRA LAWS. ALL SUPPPORTING DOCUMENTS ARE INCLUDED ON THIS COMPLAINT. ( ORIGINAL CFPB COMPLAINT DATED XXXX ), LVNV CREIDT REPORT ENTRY ( CREDIT REPORT DATED XXXX ), LVNV/RESURGENT CAPITAL SERVICES RESPONSE TO MY ORIGINAL CFPB COMPLAINT ( DATED XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
On or about XX/XX/XXXX - XXXX I attempted to purchase a car. The salesman showed me a copy of my credit repot that displayed derogatory credit reporting as far back as XXXX  including : multiple credit cards in dispute, and XXXX XXXX dollars in student loan debt. 
It also showed every dispute that I have ever made throughout my lifetime, and I am 65 years of age. 
This is a XXXX XXXX of justice and i am requesting an immediate investigation into false credit reporting. 
I do not owe over XXXX in student loans, and I do not have ANY credit cards in dispute. The last credit card I disputed was XXXX when during the Pandemic and mail was slow they reported me XXXX late with my payment, and that has since been corrected over XXXX year ago. Why would XXXX XXXX been showing, " In dispute ''? I am asking the credit reporting agencies to correct this false reporting. I am beginning to question if my credit report is entangled with someone else? I am a XXXX XXXX, XXXX of age and I find this error debilitating and stressful. I am asking for an investigation and correction of all tXXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Opened a credit line with bread financial who gets their funds through Comenity Bank in Ohio for their mysmile care credit card in XXXX of XXXX and was approved for {$1200.00} balance. Had work done XX/XX/XXXX and used {$1100.00} of the {$1200.00}. Made payments on the account of {$100.00} all the way up to XXXX of XXXX in which I made a final payment of {$560.00} which paid off the account to a balance of {$0.00}. Now in XX/XX/XXXX I get an email saying I owe {$1100.00} again??? I called Comenity to file a dispute and they even placed it on my credit report with XXXX with a balance that i owe of {$1100.00}. I refuse to pay this and I feel like if I dont itll go against me and my credit report as a consumer and thats not fair. Comenity is a big fraud and taking advantage of their customers. I refuse to pay another {$1100.00}! I already paid this account off!

Company response to consumer: Closed with monetary relief