vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I am writing to formally and urgently request the immediate removal of all accounts associated with my bankruptcy proceedings. Account name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account name : XXXX, XXXX. Account Date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account name : XXXX Account XXXX : XX/XX/XXXX As per the stringent regulations and procedures governing bankruptcy, it is absolutely imperative that all accounts implicated in my bankruptcy undergo immediate and comprehensive expungement from all pertinent databases and records. Failure to rectify and update these closed accounts under my bankruptcy status is not only a breach of legal protocol but also warrants serious legal repercussions, for which I shall not hesitate to pursue necessary legal action. This directive is not merely a procedural formality ; rather, it represents a critical juncture in facilitating my financial recovery and ensuring a fair and just resolution to my financial obligations. The expeditious removal of these accounts is not only in accordance with the legal framework governing bankruptcy proceedings but also serves as a fundamental step towards restoring my financial stability and confidence. By swiftly eradicating any remnants of these accounts, we demonstrate our commitment to upholding the integrity of the bankruptcy process and honoring the principles of equity and fairness. Moreover, the prompt deletion of these accounts serves to preempt any potential complications or discrepancies that may arise in the future. It significantly streamlines the process of assessing my current financial standing and alleviates any unnecessary burdens or impediments hindering my efforts to regain financial independence. In light of the gravity of this matter, I implore all relevant parties to act swiftly and decisively in executing the requisite steps to remove all accounts associated with my bankruptcy proceedings. Your cooperation in this regard is not only mandated by law but is also indispensable in facilitating my journey towards financial rehabilitation and empowerment. I kindly request acknowledgment of receipt of this letter and request regular updates on the progress of the account removal process. Thank you for your immediate attention to this urgent matter.

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 2024-05-14 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: CITIBANK, N.A.
State: MO

Complaint narrative:
XX/XX/2024 I contacted Citi Bank ( Card holder for the Home Depot ) before XX/XX/2024, regarding a fraudulent account created by an unauthorized person in my name. Despite my request, they delayed closing this account until XX/XX/2024. I demand the immediate deletion of this account from my credit report as I have no knowledge of it. 
THD/ CBNA # XXXX I contacted the Home Depot and they confirmed this card was used without my consent. There's no record of my name, email, address or phone number being associated with these purchases.

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 2024-05-14 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: GA

Complaint narrative:
Subject : Comprehensive Request for Revision : Late Payment Entry to be Marked as Current Dear [ XXXX XXXX XXXX ], In the ongoing matter concerning the disputed late payment entry on my credit report, I am advocating for an extensive resolution. Specifically, I request that the late payment entry be revised to reflect a current status. 

In accordance with the legal doctrine of estoppel by silence, as exemplified in the case of XXXXXXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX, I have not been furnished with any evidence substantiating the alleged debt. Consequently, I am compelled to presume that no such proof of debt exists, thereby negating the existence of said debt altogether. 

It is imperative to uphold the utmost accuracy and integrity of consumer reports, as mandated by the Fair Credit Reporting Act ( FCRA ). Therefore, it is essential that my credit report accurately reflects my financial standing, devoid of any inaccuracies or unsubstantiated claims. 

I assert with conviction that the current status of the late payment entry is unwarranted and fails to align with the facts. Hence, revising the status to reflect a current, up-to-date depiction is not only equitable but imperative to uphold the principles of fairness and transparency in credit reporting. 

In the event that the pursuit of this resolution encounters obstacles, I reserve the right to pursue alternative avenues to rectify this discrepancy. It is paramount that my credit report accurately represents my financial status, without any unjustified or unverified entries. 

I implore your esteemed agencies to undertake a thorough review of this matter and take prompt action to effect the necessary revisions. Your cooperation in resolving this issue expeditiously is greatly appreciated.

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 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
Vanilla gift card purchased in Colorado for {$50.00} and given to me for XXXXI attempted to use it on XX/XX/XXXX at XXXXXXXX XXXX in XXXX XXXX. XXXXXXXX XXXX showed a balance of {$0.00}. 
I immediately filed a dispute. The dispute came back to me with case # XXXX. I signed their paperwork and returned it to them. I received a response showing that XXXX transaction had been done. XXXX @ XXXX XXXX  - Processed - XXXX XXXX ) XXXX - payment of {$49.00}. 
I again signed their paperwork within the last XXXX weeks. 
They, Vanilla, knows that XXXX XXXX was given my money. Either through incorrect posting or felony theft of funds from my card. 
It's totally absurd that as of today XX/XX/2024, I still have not been refunded the {$50.00} owed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was on XXXX XXXX an got alert to find ways to improve my score they said to add a new credit card from one of there partners it will not affect my credit score so I applied for a card through capital one because I have one card with them. So they did a hard credit pull an declined me I had a score of XXXX an XXXX an lost points on both. XXXX XXXX should not have the write to say will not affect your score then you loose points. Capital said they declined say my card balances was way to high an to new of account. Which are both incorrect according to XXXX an XXXX so I lost points on both if I knew there would be hard pull an loose points I would not have applied the only reason I did is XXXX XXXX  said will not affect your score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: DISCOVER BANK
State: AL

Complaint narrative:
discover account was taken during my identity theft and funds transfered to creates new account I proved fraud and identity theft with my identity theft restoration XXXX and was assured i was covered but they just closed the account and put a negative mark in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: FL

Complaint narrative:
I filed a dispute with Equifax through certified mail. Equifax didnt not start the clock on my dispute. What Equifax did was ask me to verify my correspondence which is a delay tactic. My documents were notarized with drivers license presented with the notary. All verifying information was provided to equifax! Equifax didnt start my request. Equifax wrote me to my home address so they knew what XXXX XXXX lived at that address. Equifax said they couldnt find a credit report for me and instead of removing unverified item. Equifax asked me to help find my credit report. These tactics are not called for! If equifax cant find my credit report then why are they able to have unauthorized access to submit unverified account information from second party reporting agencies that I gave no permission to share anything about me? Equifax has not open a dispute. I would like second party XXXX XX/XX/XXXX, XXXXXXXX XXXX to provide verification, authorization along with equifax!. This is one of  many violations that Equifax continues to get away with. Constant violations of my Fair credit rights. The account in question is reporting several different variations on months on the different credit bureaus. Variations of month and date of reported 30 day late payment from XXXX XXXX isnt consistent with the 3 credit bureaus. This tells me the second party credit reporting agencies have provided Equifax wrong information that has not been verified. 3 different secondary results. Equifax is allowed to report unverified information to consumers credit report time and time again. Whatever the secondary says goes and Equifax doesnt go beyond secondary results! I gave Equifax no permission to violate my consumer credit report in this manner of reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention significant discrepancies and inaccuracies in the credit reporting information associated with my account. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i, I request immediate action to rectify these errors, as they are in violation of FCRA 15 USC 1681i ( 5 ) ( A ). 

Upon reviewing my credit report, I discovered inconsistencies and incomplete data pertaining to the following account : Account Number : [ XXXX ] Account Type : Installment Account Type Detail : Secured loan Bureau Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX : XXXX, Experian and XXXX : XXXX High Credit : {$1600.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : XXXX : Late 30 Days, Experian and XXXX : Current Last Reported : XXXX and Experian : XX/XX/XXXX, XXXX : XX/XX/XXXX Comments : Experian and XXXX : Closed or paid account/XXXX  balance, XXXX : XXXX The discrepancies between the reported number of months/terms and the payment status are particularly concerning. These inaccuracies not only misrepresent my credit history but also potentially harm my creditworthiness and financial standing. 

I demand that the aforementioned inaccuracies and inconsistencies be promptly investigated and corrected in accordance with FCRA regulations. Specifically, I request the deletion of any incomplete or inaccurate information as per FCRA 15 USC 1681i ( 5 ) ( A ). I urge you to take immediate action to ensure the integrity and accuracy of my credit report. 

Please provide written confirmation once the necessary corrections have been made. Failure to comply with this request within the timeframe mandated by FCRA regulations will result in further action, including legal recourse if necessary. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Wrong addresses not updated, all old addresses need to be cleared. 
old bankruptcy, need to be cleared all charged off accounts old need to be clear hospital bills should not be on the 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 explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Keith D. Weiner & Associates Co., L.P.A.
State: WI

Complaint narrative:
The debt is XXXX XXXX XXXX and the company is still trying to garnish my wages and take me to court. The company hasn't provided any payment history to me in court but I stop paying in XXXX XXXX XXXX The debt also belongs to the person who has the car. The amount is also incorrect, the person paid on the car for at least XXXX years and the starting amount was maybe XXXX. The vehicle is over XXXX years old and no information has been released to me or the other party

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX DOB : XXXX Phone Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false These fraudulent accounts consist of a personal XXXX XXXXXXXX XXXX - Account Number XXXX Item Description : Credit Card A XXXX XXXXXXXX Account number XXXX Item Description : Credit Card a XXXX  XXXX - Account Number XXXX Item Description : Unsecured Loan Experian inquiries XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX that appears related to the aforementioned accounts These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint IDTheftReportXXXXXXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2024-05-14 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: TN

Complaint narrative:
XXXX XXXX XXXX has threaten me by Refusing to Update my Credit Report after submitting Evidence of inaccurate information on my XXXX, Experian and XXXX Credit Report. Ive spoken with these individuals with XXXX ; a XXXX XXXX, Compliance, XXXX XXXX, in XXXX, very combative, but I understand individuals like this, a XXXX XXXX and a XXXX in XXXX, XXXX  with regards to XXXX XXXX/Accounts that could effect my Interest Rate XXXX XXXX XXXX as a XXXX Veteran receiving my Earned XXXX XXXX XXXX XXXX XXXX After speaking with XXXX XXXX on yesterday, she believes that somehow shes some how personally Stopping me from receiving Approval of my XXXX Mortgage, XXXX XXXX XXXX is the Mortgage Company for which I applied, Im APPROVED, but the correction of these inaccurate XXXX accounts could cost me thousands doing this process, but I dont do XXXXl! Now this said its imperative that my SCORES are corrected for XXXX XXXX XXXX, XXXX plays a role in this process. To-date its XXXX days and XXXX hasnt contacted me with Update, again theres No one on the planet Stopping me from acquiring my Earned XXXX XXXX XXXX XXXX XXXX period! But I will not pay thousands because of Racism and Discriminatory Practices and behavior by Reporting Agencies like XXXX, XXXX, Experian and XXXX. I need my new Scores Now, Right Now! Oh and XXXX tell Experian that XXXX credit score was a Slick XXXX move, falsifying my credit score by XXXX point was very criminal and Slick, WOW whats the ignorant Racism about, WOW!

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 2024-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Im getting repeated phone calls from a XXXX XXXX collector I don't recognize. Or Know that I owe a debt to. The Company has not been leaving voice mail messages as I let it go to voice mail. They did finally send me a SMS message that stated this : " XXXX XXXX Please Contact XXXX immediately in regards to your CASHNET account that has been placed in our office. This is an urgent Manner ; please contact us for settlement or new payment arrangement offers. Please call XXXX Refer to XXXX. This communicate is from a debt collector. Text STOP to opt out. " Sent SMS on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed 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
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and I noticed a lot of inaccuracies on my account. This account is hindering my ability to be approved for credit. I understand that the credit bureaus will investigate this account and ensure that there is complete accuracy. Here is the account that I am asking you to verify as accurate : XXXX XXXX ACCOUNT # 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