vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: NY

Complaint narrative:
A XXXX XXXX from the Central portfolio control has been calling from an 800 number trying to collect {$1400.00} for a rental property from my son and I. We noticed this when my son tried to open a credit card and he was unable to because of a debt. The XXXX ( the rental property ) which we left in good standing, sold to another company and uses XXXX XXXX XXXX told us they do not have any details of the XXXX rental. I believe this is a scam to collect money that we do not owe! The debit collector who identified as XXXX XXXX, XXXX, like money as he said insisted that we pay the amount of {$1400.00} so my sons and my record of owing a debt will be cleared. He did not, and no one has provided us with any written communication via XXXX or email of this so called debt. I need to clear this mess and have been directed to you by my bank XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I NEVER USE MY INFORMATION OR PROVIDE MY INFORMATION TO ANY OF THIS COMPANYS I DISPUTE ALREADY ON MY CREDIT BUROS BUT STILL REPORTING SOME OF THEM i request help to investigate. i also notice that are auto financing companys and i dont have any valid driver license i demand must be delete from my credit report since i dont reconized any of this hard inquirys XXXX inquiry date XX/XX/2022 Business type XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone XXXX ( XXXX ) XXXX XXXX inquiRY date XX/XX/2022 Business type XXXX XXXX XXXX XXXX  Companies Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/2022 Business type XXXX XXXX XXXX  Contact info Address XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to get XXXX, XXXX, and Equifax to send me a copy of the following : Method of Validation, Method of Verification, and Proof of Ownership of the account from either the 3 agencies or the Creditor itself. I am unable to receive any of these items and it causing a hardship to financials. I went ahead and made a complaint concerning the account to several other agencies that govern XXXX XXXX XXXX XXXX 
I have attached a complaint from the FDIC and the Mortgage and Savings Department of Texas for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: GA

Complaint narrative:
I have been trying to get Experian, XXXX, and XXXX to send me a copy of the following : Method of Validation, Method of Verification, and Proof of Ownership of the account from either the 3 agencies or the Creditor itself. I am unable to receive any of these items and it causing a hardship to financials. I went ahead and made a complaint concerning the account to several other agencies that govern XXXX XXXXXXXX XXXX XXXX 
I have attached a complaint from the FDIC and the Mortgage and Savings Department of Texas for violating my 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 explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this complaint due to unresolved inaccuracies in my credit report involving American Express, as reported to XXXX. These inaccuracies relate to the reporting of account statuses, balances, and other critical credit information that do not accurately reflect my credit history. 

Issue XXXX : I discovered these inaccuracies upon reviewing my credit report from XXXX on XX/XX/2023. 
Initial Action : A formal dispute letter was sent to American Express on XX/XX/2023, challenging the reported information. The letter specifically questioned the accuracy of account statuses, the balance owed, the date the account was opened, and the date of last reporting. 
Request for Proof : In the dispute letter, I requested American Express to provide factual proof of the alleged delinquencies, in compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 
Discrepancies Noted : The disputed issues include inconsistencies in the reported balance and account status for the periods of XX/XX/2023 and XX/XX/2023. 
Response from American Express : As of today, XX/XX/2023, American Express has not provided a satisfactory response or resolution to the issues raised. 
Impact of Inaccuracies : These inaccuracies are negatively impacting my credit score and financial opportunities, causing undue stress and potential financial loss. 
Resolution Attempts : Despite multiple attempts to rectify these inaccuracies directly with American Express and a 30-day window given for investigation and correction, the issue remains unresolved. 
I seek the CFPB 's assistance in ensuring accurate reporting of my credit information by American Express and the correction of any errors, in line with the FCRA requirements. The failure to resolve these inaccuracies has had significant negative consequences on my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: CT

Complaint narrative:
This is my third attempt to try and rectify what has been happening. XXXX keeps reporting my loan payments as a credit limit decrease. I have a student loan which is an installment loan, I do not have a credit line with them. Last time, they offered me information on how credit scores are reported, which was no help because they are incorrectly reporting my payments as a decrease in a credit limit. Which is drastically affecting my credit score and making it drop XXXX XXXX today. They are also reporting this decrease in credit limit on a loan that was taken out back in XXXX. So I am not sure what is going on but would appreciate assistance

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 2023-12-19 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: TN

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit report.

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 2023-12-19 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: FL

Complaint narrative:
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) incorrectly reporting a debt on my credit report that i have filed a fraud report on. The FCRA section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards require that credit reports be accurate, and I challenge all inaccuracies or deficiencies of reporting.

i've had an police report generated and this is the date and location i've made my report XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL i sent out multiple dispute letters to have this issue resolved and have gotten nowhere. 

the amount reposted from this fraudulent action is {$9600.00} reported on Date Reported XX/XX/XXXX but open on XX/XX/XXXX and reporting on all major bureaus.

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 2023-12-19 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: TX

Complaint narrative:
All student loans have been fully paid off. 

XXXX XXXX  has refused to report updated information to the Credit Bureaus. XXXX XXXX  is still reporting balances that have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I became XXXX  XXXX in XXXX. The XXXX account I had was supposed to have protection for this. I paid a monthly fee for this coverage. 
Midland Credit management contacted me on behalf of XXXX this year. I was too sick to argue about the Credit protection so just set up a payment plan with Midland for XXXX a month since I'm on XXXX XXXX and can't afford much. Midland Credit took {$880.00} out of my bank WITHOUT my permission. Our agreement was for XXXX a month. Luckily I caught the charge and called my bank, who then reversed the charged and blocked any further withdrawals from Midland. I had to cancel my debit card. I reported them to the credit reporting agency for stll showing a delinquent balance on my credit report, and the decision was in my favor. Yet they are still showing up on the other two agencies as delinquent. Since they tried to steal almost my entire XXXX check when our agreement was XXXX a monthI refuse to pay them a XXXX. It should have been covered in the first place but even when I tried to go ahead and pay in small amounts what I could, Midland tried to steal almost XXXX out of my bank. Please make them take themselves OFF all my credit reports and cancel this debt. This insanity has not only imcreased my health problems, but I also have severe XXXX XXXX XXXX XXXX and I have been a complete walking nervous breakdown. Please fix this for me before I jave to hire an attorney I can't afford Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo claimed to have sent XXXX letter via USPS stating they needed to confirm a different address for our business location. We have had the accounts established since XXXX with the same address. We never received the notification. Wells Fargo never called or emailed or tried to contact us. 

As a result, the accounts were literally closed, money mailed via USPS ( still not received ), and our employees and vendors left without an infrastructure. This literally has brought our company ( XXXX XXXX revenue per year ) to its knees and could force into bankruptcy.

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 2023-12-19 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: IL

Complaint narrative:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX  v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX  v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TN

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc.
State: FL

Complaint narrative:
Grain Credit sent incorrect reporting of a late payment of {$45.00} to bureaus for the month of XXXX, on the XXXX day of the month. I have called and sent in online request to have the discrepancy removed with no answer or response. I have attached my bank statement showing my bank account debited on XX/XX/XXXX, in the amount of {$44.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: MO

Complaint narrative:
Experian late in the day closed its 2nd complaint of the day without addressing the issue and giving explanations that have nothing to do with the problem

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 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was scammed of {$55.00} and {$100.00} on venmo on XX/XX/23. I put a stop on my bank account and filed a dispute with venmo which they denied despite my police report and FBI XXXX report which also recommended me not to contact the scammer, whereas venmo told me to ask the scammer for money back. 

Subsequently, I was paid money on venmo which venmo took to fill the {$150.00} amount. I moved to close my account which had remaining money {$260.00} in it where venmo was supposed to mail me a check for, which never arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: U.S. BANCORP
State: NJ

Complaint narrative:
Already reported to Identity Theft.

The hard inquiries are result of identity theft and need to be removed no later than four business days, as per 15 USC 1681, C-2.

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 2023-12-19 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: SECURITY FINANCE CORP
State: FL

Complaint narrative:
On XX/XX/ I received a notification through XXXX that a hard inquiry made XXXX credit report by Security Financial XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX I did not request any financial services from Security Finance and called them to report an unauthorized request and requested this hard inquiry to be removed at the number XXXX provided by XXXX customer service XXXX I spoke to the representative named XXXX who told she would be contacting her supervisor about the matter and would call me back. Since I've never received a call back from Security Finance and the hard inquiry is still on XXXX credit report, so I called back 3 weeks later on XX/XX/ and again spoke to XXXX who again told me that she would contact her supervisor and someone would call me back. 

I believe my report of unauthorized financial services request using my identity information and request to remove a hard inquiry are NOT taken seriously. There was no information requested from me and no action taken to investigate this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I discovered inaccuracies in my credit report related to American Express, as reported by XXXX. The report mistakenly includes late payment entries that inaccurately reflect my payment history. These errors are adversely affecting my credit score and financial reputation. 

Initial XXXX Date : The discrepancies were first noticed on XX/XX/2023, during a routine examination of my credit report. 
Dispute Initiation : I sent a formal dispute letter to American Express on XX/XX/2023, outlining the inaccuracies and demanding immediate correction in compliance with the Fair Credit Reporting Act ( FCRA ). 
Specific Discrepancies : The erroneous entries include incorrect late payment notations for the periods of XX/XX/2023 and XX/XX/2023. 
Expected Correction : I requested the removal of these inaccurate late payment entries and an accurate update to my payment history. 
Response from American Express : As of today, XX/XX/2023, there has been no response from American Express regarding this issue. 
Impact : The inaccuracies have resulted in significant financial setbacks, including higher interest rates on new credit lines. 
Repeated Attempts for Resolution : Additional follow-up communications were sent to American Express and XXXX on XX/XX/2023, but the issue has not been resolved. 
Despite exhaustive efforts to rectify this issue directly with American Express, I have not achieved a satisfactory resolution. Consequently, I am seeking the CFPB 's assistance to ensure that my credit report accurately reflects my financial conduct and that American Express complies with the FCRA.

Company response to consumer: Closed with explanation