vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: TX

Complaint narrative:
This account was charged off on the following date, XX/XX/2021. Since then, the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. The account is also reporting on my credit report for more than XXXX years. This inaccurate information FALSELY manipulates the statute of limitations. You failed to investigate this account proper and your neglect has violated my rights. I am demanding a deletion of the following account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This is in regards to my former complaint XXXX. 

Citi has responded and acknowledged that I " left the account short by {$94.00} '' when I paid it off. I just realized that the morons at Citi forgot to take off the {$95.00} annual membership fee that was to apply for another year 's membership from XXXX XXXX XXXX. I asked for its removal when I closed the account as the account renewed XXXX day before I closed it. Their agent on the call agreed to do so. By that account, they owe me {$0.00}. Do the math. Guess what, I'll forgive you Citi. Enjoy your XXXX cents. 

I attach a record of the call as they claim they have no record.

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 2024-05-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: GA

Complaint narrative:
I am writing to dispute information related to my bankruptcy case, XXXX, which is reflected in the court records. After reviewing the records, I have identified inaccuracies that need to be addressed and rectified. I kindly request your assistance in investigating and correcting these errors.Maintaining accurate and reliable bankruptcy records is essential, and I am committed to ensuring that the information accurately reflects my case and its outcomes. Please submit that the information has been validated by Georgia Bankruptcy Court located at USBK Court XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I kindly request a thorough investigation into the disputed information and a prompt correction of any inaccuracies found. If discrepancies are confirmed, I expect a written summary of the results and the necessary adjustments made to the court records.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX XXXX XXXXXXXX But I am not getting any response or completion of my request. I ahve also submitted the Innovis Credit Report Request Online form and NO SUCCESS.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tate and Kirlin Assoc
State: TX

Complaint narrative:
On XXXX i keep receiving calls from an an individual with an XXXX voice from phone # XXXX, when i answer they hang up, when i call back i say where is this may i have your name please they don't respond said they cant tell me its a professional matter and if its not for me to hang up, I said where is this place why do u keep calling? they hang up, Im so horrified they called again on XX/XX/2024 and did the same thing i said to the gentleman you are taunting me from yesterday who are you im going to report this and thats when he said please dont and said the company 's name is TATE AND KIRLIN ASSOCIATE AND i said please you are terrifying me please stop and he said ok we will remove your number. 

Then i got a text from them about a debt from XXXX FOR {$460.00}, I dont have a contract and didnt or never signed anything with XXXX  PLEASE MAKE THEM STOP. XXXX ALSO HAS A COLLECTIONS ON MY 3 CREDIT REPORTS, i have never signed anything with them and they need to verify original debt. I have never had business with TATE AND KIRLIN OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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:
I just pulled me XXXX bureau credit report for the first time in a long time and noticed there was a collection account reporting on my credit report that is not mine. The collection agencies name is XXXX. XXXX, XXXX. They are collecting on behalf of XXXX XXXX. I've reached out to their fraud department and the rep confirmed that my address is not matching up with the address where someone stole my information to obtain service at. I was told to obtain an ID Theft Police Report to have this negative permanently deleted from my XXXX bureau Credit report. 
Below is the collection agencies information that I would like to have permanently deleted from my XXXX XXXX Credit Report : XXXX XXXX XXXX XXXX - Account Number : 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 2024-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-05-21 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-05-21 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: TX

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to follow up on my previous complaint regarding the mishandling of my credit dispute by the credit bureau. Despite submitting a formal complaint a month ago, I have not received any resolution or substantive response. After my initial dispute was inadequately addressed, I filed a second dispute with the bureau. According to the Fair Credit Reporting Act ( FCRA ), the bureau is required to inform the furnisher of the disputed information and provide them with all relevant documentation. This legal obligation has not been fulfilled, as the furnisher continues to report the inaccurate information without any verification or correction. 

In my previous complaint, I specifically requested identifying information and supporting documentation to justify why the disputed items are still being reported. To date, I have received no such documentation or any satisfactory explanation. 

The continued reporting of inaccurate information on my credit report is causing me significant distress and harm. 

I demand that the credit bureau take action on the following items immediately. 

XXXX  : Account number : XXXX, To the best of my knowledge, this account has never been paid late. Please look into this late payment and ensure that it is updated as paid. 

XXXX  : Account number : XXXX, To the best of my knowledge, this account has never been paid late. Please look into this late payment and ensure that it is updated as paid. 

XXXX  : Account number : XXXX, To the best of my knowledge, this account has never been paid late. Please look into this late payment and ensure that it is updated as paid. 

XXXX XXXX  : Account number : XXXX, To the best of my knowledge, this account has never been paid late. Please look into this late payment and ensure that it is updated as paid.

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 2024-05-21 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: TX

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

Company 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 2024-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
Well I got a loan in XXXX of XXXX for XXXX for my XXXX XXXX XXXX. I'm XXXX and had a part time job at XXXX XXXX XXXX XXXX. Made payments on time till covid hit. Got put on furlough then all the XXXXXXXX where let go for restructuring. I called and had to defer 4 payments which I was told would extend loan till XXXX was supposed to be paid off in XXXX of XXXX and was told XXXX would be paid off. Now there telling me that I'll have to pay an extra XXXX dollars more after XXXX payments and the extra 2 payments that I agreed too. I just don't know what to do I have been trying so hard to keep this XXXX together and waiting for XXXX to finally be free to put money into the XXXX I pay XXXX a month and just don't think it's fare to change what I was told. This was a national pandemic and I think it's unfair to charge that much. Is there anything I can do. Thank you for your time. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I have three lenders that continue to inaccurately report my accounts as past due. The first lender is XXXX XXXX XXXX , the second is XXXX XXXX and the third is NETCREDIT. Despite my repeated requests and submission of documents proving that these accounts have been paid off, the credit bureaus have not updated my account statuses to reflect that they are current, paid off, and closed. 

I've taken all the necessary steps to rectify this situation. I've contacted each credit bureau individually, providing them with the necessary documentation that shows my accounts are paid off. Despite these efforts, the lenders persist in reporting my accounts as past due, which is inaccurate and misleading. 

This ongoing issue is not only frustrating but also has a significant negative impact on my credit report and, consequently, my financial well-being. The incorrect reporting by these lenders is a clear violation of my consumer rights. 

Given that my efforts to resolve this matter directly with the lenders and the credit bureaus have been unsuccessful, I have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ). I believe that their intervention is necessary to ensure that my credit report is corrected and that my consumer rights are upheld. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I would like these inquiries deleted since I did not authorize them to run my credit. It is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
On XXXX of XX/XX/XXXX my XXXX XXXX XXXX was stolen. I notified the police, landlord and Bridgecrest. They sold the vehicle and there was a surplus left over. I called Bridgecrest on the XXXX of XXXX and the XXXX of XXXX. I have not received any surplus payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I took a 12 month bridging loan against my property in XXXX  with the aim of selling it and paying back the loan. When the loan expired and I hadn't sold my flat yet, I tried to negotiate a means of payment with them with a lawyer. Unfortunately, they did not want to negotiate and they took me to court where they took possession of my property. Despite me having gone to XXXX XXXX and all the other things that they recommended to stop the interest charges whilst they were marketing my property for sale, they did not stop the charges. On top of that it took them conveniently over a year to sell! Which meant that they continued to accrue interest for a year at an exorbitant 9 %. After the second year they reported my account in default to Experian. I argued to Experian that my account could not possibly be in default because there are no repayment options in place due to the bank not wanting to negotiate a repayment option with my lawyer and due to them not stopping the interest charges when I went to XXXX XXXX. Therefore, if there are no repayments options to default on, how can I be in default? 
They told me that because they are not financially regulated, they can't do much more other than put it to the bank, which they did, and they insist that I am defaulted. 
On my credit report I have several mortgages that I have settled in the past and they all show the monthly amount that we had agreed on to pay them back. Yet, they continue to show this account in default without any explanation on what I have supposedly defaulted on. I still have another 4 years of this. 
I can not explain to you in what ways this has impacted on my life, including placing me on some private web of theirs most probably run by their XXXX XXXX XXXX. I can't find work, my emails get diverted and they are doing everything they can to sabotage my life. 
Please can you ask Experian now to delete this from my account, it's bad enough with what XXXX XXXX XXXX  are doing to me. I also wish monetary compensation from both Experian for reporting non-sensical information even though they are not financially regulated and to XXXX XXXX XXXX for reporting nonsense about me to all the investors round the globe.

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 2024-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief