vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Apelles, LLC
State: CA

Complaint narrative:
Sometime early in XXXX, my account with XXXX XXXX became overdrawn and eventually closed with a balance owed. Between the months of XX/XX/year> until now, I continue to be contacted by XXXX separate entities for this same debt : XXXX Entity : XXXX XXXX 2nd Entity : Apelles 3rd Entity : XXXX XXXX XXXX I am being contacted at the same by all 3 of the entities- which is stressful. In addition, how can the same debt be held by threXXXX different entities. This is also affecting my credit report and XXXX report. On XX/XX/year>, I paid the XXXX XXXX debt to the debt collector Apelles, however, I am still being contacted by all the entities named above and it still being reported on all credit reports and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: TX

Complaint narrative:
XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, your 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 information Please Remove all the following accounts removed XXXX  XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( XXXX ) 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 2024-10-11 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: CA

Complaint narrative:
There are inquiries in my report that I did not authorize or initiate. I have previously requested the companies involved to remove these inquiries, but they still appear in my 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 2024-10-11 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: NY

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mandarich Law Group, LLP
State: FL

Complaint narrative:
I notified XXXX in XXXX that a debt that were billing me for was not mine. They ignored all correspondence. The debt was bought by Mandarich Law and they have since won a judgement against me. My pay is currently being garnished. Mandarich law firm has sent notices to the court and my employer without my knowledge. I received the notice of garnishment from my employer. Then days later in the mail I got notice from Mandarich. This gave me no time to file an exemption. I am owed the exemption since I earn less than {$750.00} a week. And am XXXX of XXXX. These are shady practices all to the benefit of XXXX and Mandarich law. All the paperwork and the garnishment of wages should be thrown out since I was never given a chance to file an exemption. They have my name spelled incorrectly and the dates are all over the place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Collection/Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: OK

Complaint narrative:
I received a copy of my credit report and there were accounts on it that wasnt mine so I contacted my bank and had them to freeze all my accounts until further notice

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 2024-10-11 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: SC

Complaint narrative:
I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
We took an auto loan with Regional Acceptance Corporation for a vehicle XXXX or XXXX of XXXX. The loan was only supposed to be for 5-7 years agreement. 
It is now almost 9 years later, and we still have a hefty payoff. There were occasions when we received deferments, when I lost my job in XXXX and the XXXX XXXX XXXX XXXX  To covid and medical issues that are still ongoing. Despite the deferments, we have always made arrangements and even scheduled future payments to always catch up. But it seems like we are not catching up at all, we just keep paying and paying and do not see the principle decrease as we know most of our payments are going to interest. We feel now that we have become victims of predatorial loan practices, and our privacy and consumer rights have been violated. 
With the lender failing to provide us with detailed description of how much of our payments goes to interest and how much it goes to our principle, in the form of documentation, which I have requested several times via telephone and email. Refusing to provide us with a copy of our contract and attempting not to negotiate a settlement, Regional Acceptance Corporation, is in violation of the Truth in Lending Act.

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 2024-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I attempted to make a regular online payment on my CitiBank Credit card, due on XX/XX/XXXX. Unbeknowst to me the payment was set up from an account I dont usually use. I logged into my account on XX/XX/XXXX to confirm payment was posted and there was no notification of an issue with my payment. 

On the morning of XX/XX/XXXX I recieved an email indicating another payment method is required, which alerted me to my error. I resolved that my making a payment from my intended account the same day. When i examined the charges to my inactive bank account, it reflected that Citibank attempted three different times to obtain payment, without my knowledge or authorization, subjecting me to three different insufficient funds charges totally {$75.00}. When I called customer service, I was initially told, that is " what the system just does. '' I asked to speak with a person above them who them blamed my bank for running it 3 times. I asked for a copy of their ACH payment policy, which I was told I could find online. I could not. I asked to speak with the person above them, the call disconnected with no call back. 

I verified with my bank on today that Citibank did attempt to debit the account 3 total times on XX/XX/XXXX, XXXX and XXXX. I called Citibank back whereI was told there was " nothing anyone could do, its just that way. '' I asked to be escalated and again I was hung up on.

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 2024-10-11 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: CA

Complaint narrative:
There are inquiries in my report that I did not authorize or initiate. I have previously requested the companies involved to remove these inquiries, but they still appear in my 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 2024-10-11 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: WA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: MD

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-11 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: DE

Complaint narrative:
Previous cfpb complaint number XXXX And you'll probably investigation you stated that you were able to verify with the original creditor that this inquiry belong to me but have not percent at me any written authorization to do so. My question is how are you or how were you able to verify that this was my inquiry without providing such? You have all of my rights once again I'm asking to cfpb for assistance on helping me resolve the matter. I have attached a copy of the FTC identity theft criminal complaint # as proof of the federal trade commission that all of the aforementioned consumer credit account, charge offs, collections, and hard inquiries are the result of identity theft and fraud. The Inquries are listed below. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: NV

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-10-11 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: NV

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
I am fighting to be able to get XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I have been trying to trade my car for a truck to pull a XXXX XXXX XXXX I was offered XXXX for my car a month ago and now it says XXXX. They are saying I owe more now then when I bought the car. So no matter what I pay which is way to much it will never pay the car off as XXXX charged interest everyday no matter what. I was taken advantage of in a time of crisis and they refuse to help me or lower the amount I now owe. I can not survive paying XXXX a month and it not paying my car off. Plus no matter what I do XXXX turned down for loans because of XXXX and being XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not fair and discrimination especially because I almost lost my XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My lease date ended XX/XX/year>. I have documented this with emails sent to me from XXXX XXXX XXXX, The lease I signed for a new apartment shows I vacated on the day of the lease ending. The move-out report shows this was not due to any damage. Yet, they continued to assert this debt belonged and refused to supply anything to validate it. 

The office at XXXX XXXX XXXX had a new staff and they had my lease dates incorrectly put in their file. I let them know when I was leaving ( the date of my accurate lease agreement ) and then they charged me for breaking the lease, even though the lease was complete. 


I sent this information to all three credit bureaus, and they ignored my indisputable evidence, and did not supply me with proof of their claim. 
They just stated the collection companies reaffirmed the debt. 

This false reporting is affecting my ability to apply for credit, and is financially burdening 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 2024-10-11 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.
State: FL

Complaint narrative:
My lease date ended XX/XX/year>. I have documented this with emails sent to me from XXXX XXXX XXXX, The lease I signed for a new apartment shows I vacated on the day of the lease ending. The move-out report shows this was not due to any damage. Yet, they continued to assert this debt belonged and refused to supply anything to validate it. 

The office at XXXX XXXX XXXX had a new staff and they had my lease dates incorrectly put in their file. I let them know when I was leaving ( the date of my accurate lease agreement ) and then they charged me for breaking the lease, even though the lease was complete. 


I sent this information to all three credit bureaus, and they ignored my indisputable evidence, and did not supply me with proof of their claim. 
They just stated the collection companies reaffirmed the debt. 

This false reporting is affecting my ability to apply for credit, and is financially burdening 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