vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 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: AZ

Complaint narrative:
Dear Equifax I see that you verified the account listed below : XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX  XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have a credit card with Citibank and I have multiple charges on my account that I have disputed. Last year around the same time I already disputed the charge and it was never resolved. They claimed it was my responsibility. the Merchant is XXXX XXXXXXXX. I reiterated that I'm not interested in renewing my XXXX XXXXXXXX account. However I was charged last year on XXXX XXXX, XXXX, and again this year- XXXX the same date I'm charged for another year. I've explained to XXXX XXXX multiple times that I'm not interested in a paid membership. The original payment was {$74.00} XXXX ago and then they jacked up and kept charging me. I reached out to my credit card company explaining this and they refused to assist.

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 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It has come to my attention that a previously deleted fraudulent account has reappeared on my credit report, causing significant distress and concern. 
Account Information : XXXX XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX -PLEASE DELETE!!! 
I am both shocked and frustrated to discover that the accounts, proven to be fraudulent and deleted from my credit report in the past, has somehow resurfaced. The implications of this reoccurrence are not only detrimental to my creditworthiness but also raise serious questions about the integrity of your bureau 's processes in handling fraudulent accounts. 
The fraudulent account in question was previously deleted from my credit report, indicating that it was recognized as fraudulent. I request an explanation as to how an account that was once confirmed as fraudulent and deleted has been allowed to reappear. I am deeply concerned about the efficacy of your bureau 's verification process. 
Given the established fraudulent nature of this account and its prior deletion, I insist on its immediate removal from my credit report. The reappearance of this account is causing unwarranted harm to my credit standing, and I expect swift corrective action.

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 2023-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I have had a loan on XX/XX/2023 I went on a payment plan of 30 weekly payments. I made the final payment on XX/XX/2023 of {$30.00}. I was told that I can re-loan after this is paid off. I decided to reach out to customer service to see what the waiting period is to reapply. I was told that I can reapply over the phone but I wont get the funds until 3 to 5 business days. I went to apply over the phone I was told that I was denied. I went to apply online. It said that I was approved for {$1200.00} and that I will get the funds by XX/XX/XXXX and the application online shows pending when I went to reach out to customer customer service I was told that I would get a call back. I never got a call back I try to reach out. I was told that I was denied but online it is saying that I have a pending application, I spoke with someone named XXXX and he told me that my application was denied and the only way since Im returning customer is to withdraw the application and wait 30 days or do an express application I just feel like as a returning customer customer that is unfair because I have made payments on time and then for me to just get denied and then being given the runaround is not fair at all I feel like this company takes advantage of people that are struggling and going through hard times. I received a call at XXXX XXXX from Makwa finance and it was a voicemail was left. When I heard the voicemail, all I heard was background noise when I tried calling back at night, I get a call from Lendumo that is a completely different company I have made payments, and then I just turned around and get denied and just have my time wasted that is not fair at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : Bridgecrest XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
I contacted " XXXX '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2023-12-07 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: IL

Complaint narrative:
My son has a private XXXX loan through XXXXXXXX XXXX Payments start in XXXX. The loan is serviced by XXXX XXXX XXXX XXXX XXXX ). We moved from XXXX XXXX XXXX in XX/XX/XXXX and in XX/XX/XXXX changed our address via the post office mail forwarding systems and all online accounts to reflect this move with our new permanent address. In late XX/XX/XXXX, I was alerted by XXXX XXXX XXXX that my credit score had dropped from approximately XXXX to XXXX. This was shocking to me as we have top tier credit, pay bills on time, and have low debt. The reason was that XXXX sent us an interest statement that got returned in error by the post office back to XXXX. Previously, we had been receiving mail from XXXX to the XXXX  address without issue. Rather than contact my son or myself ( his father, the co-signer ) to verify our address, they report this to Experian in a monthly statement that we can not be located. XXXX does not reach out to our contact emails or contact phone numbers that they have on file to ask about this. Therefore, Experian decided to drop my credit score by over XXXX points which is absolutely unfair and egregious. I have disputed this with Experian with no result. The responses I get from Experian are that they have not received any updates from XXXX to make a correction, so it has not been changed or corrected or deleted from my credit report. Experian does not say how they contact XXXX, whom they speak with, or how this is going to get fixed. XXXX updates their notes once at the end of each month. XXXX tells me that they have corrected our issue in the XX/XX/XXXX note to Experian, but as of XXXX, nothing has changed and my credit score is now at XXXX which is putting a chilling effect on my finances and will cost me money if this is not resolved immediately. I dont know which company is more at fault for this : XXXX XXXX Experian. On one hand, XXXX should not have reported this to Experian, all they needed to do was verify our address by contacting us via phone or email, which they did not do. On the other hand, it is absolutely insane that Experian can just decide to drop a persons credit score by XXXX points because one piece of mail was returned to the loan servicer by mistake.

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 2023-12-07 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You are in Direct Violation of the Fair Credit Reporting Act and have violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Remove these late payments and update this account immediately as you are in direct violation of several laws under 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 non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute and request the immediate removal of an unauthorized and fraudulent collection account that has recently appeared on my credit report. This account was not previously known to me, and I am deeply concerned about its sudden appearance without any valid verification. 
Account Information : XXXX XXXX XXXX XXXX PLEASE DELETE!!!! 
I have thoroughly reviewed my credit report and was alarmed to discover the presence of the aforementioned collection account, which I have never authorized or had any dealings with. This unauthorized entry has the potential to severely impact my creditworthiness and financial standing, and I am determined to rectify this situation 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 non-monetary relief
Consumer complaint received 2023-12-07 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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:
I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2023-12-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

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 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 2023-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
They advertise to help people with bad credit scores they will loan you money? I believe Inasked for {$500.00} and another time {$1000.00} and was denied because of my payment history had delinquency and late payments reported and the information came from XXXX however I was unlawfully denied an extension of my credit an was given the key facts and the key facts violated Title 15 law and regulations under Title 12 CFR and TILA and denied me my own credit is violation and that is discrimination and illegal to deny me credit especially after i gave them the the laws there to abide by and they ignored my claim or reconsideration and continue to refer to history of delinquency is the reason and so XXXX used my social security number as well many times with out my consent and that is a violation each time they used it and i was never formally sent a written notice or anything asking for permission to use my information and these violations have fines larger then what i asked to barrow?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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:
After looking my credit report I noticed some hard inquiries that are not mine

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 2023-12-07 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: NC

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$16000.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NJ

Complaint narrative:
Submitted my monthly payment with the XXXX XXXX XXXX in each amount of {$600.00} Dollars. 

Submitted XX/XX/2023 payment on XX/XX/2023 and it is still pending action. 

Submitted XX/XX/2023 payment on XX/XX/2023 and it is still pending action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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:
I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 non-monetary relief
Consumer complaint received 2023-12-07 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:
I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights.

15. U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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