vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XX/XX/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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: PA

Complaint narrative:
We terminated an apartment lease that started on XX/XX/XXXX, early due to safety concerns about non-locking windows. We first filed a complaint on XX/XX/XXXX. After documented and repeated complaints to the Apartment Management. the problem remained unfixed until we already secured another rental and moved out early on XX/XX/XXXX. XXXX. Even though we felt the apartment was uninhabitable, we still paid the 2 month penalty fee for termination. The apartment company then proceeded to add a 3rd month penalty and called it a insufficient notice fee in the amount of {$2200.00}. The lease documentation, as evaluated by tenant/landlord attorney we hired, mentioned that this fee was insufficient notice before the end of a lease term and unrelated to early lease termination, which already had a 2 month early termination penalty fee, which we paid. The {$2200.00} unjust fee went to collections on XX/XX/XXXX and is a permanent stain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
UPDATE TO CLAIM # XXXX ACIMA is in WILLFULL NONCOMPLAINCE AND NEGLECTION OF THEIR DUTIES AS A FINANCIAL INSTUTIONS IN ACCORDANCE WITH 15 USC 6802-6804  ACIMA has failed to perform under its obligation as a financial institution under 15 USC 6802- 15 USC 6804. Company DID NOT follow proper procedure to ensure safety of my nonpublic information and has not disclose to me and has not given me any explanation or opportunity to exercise my RIGHT under 15 USC 6802b ( B ) ( C ) and continues to report my non public information to a non affiliated party ( XXXX ) despite my instructions to cease such actions. ACIMA DID NOT PROVIDE EXPLINATION OF MY RIGHTS AND HAS DID NOT NOT GIVE ME THE OPPORTUNITY TO EXERCISE MY RIGHTS TO DIRECT MY NONPUBLIC INFORMATION BEING REPORTED AND INSTEAD LEAD ME TO BELIVE THAT MY INFORMATION MUST BE REPORTED TO THE CREDIT REPORTING AGENCIES NOT GIVING ME THE OPTION TO OPT OUT AS REQUIRED BY FCRA LAW. I am trying to resolve this matter once and for all and move on but ACIMA INSISTS TO CONTINUE IN BAD FAITH AND CONTINUES TO VIOLATE ITS OBLIGATIONS UNDER THE FCRA AND VIOLATE ME AS THE CONSUMER AND MY INSTRUCTIONS. I SIMPLY ASKMFOR MY INFORMATION TO STOP BEING REPORTED AS THEY ARE NOT OBLIGATED BY ANY LAW TO REPORT SO BUT ARE IN FACT OBLIGATED TO GIVE THE CONSUMER AWARENESS OF A CHOICE WHICH WAS NOT GIVEN IN GOOD FAITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
I have contacted conserve they are still showing as a delinquent account on all XXXX of my credit reports these have been closed for 2 years now and they still show as new.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of Experian on XX/XX/2023. To date, Experian has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 

XXXX Account Account Number : XXXX Experian has erroneously reported a late payment on the XXXX account. I want to emphasize that this account has never been late. Therefore, I request the immediate removal of the late payment notation from my credit report. 
XXXX XXXX Account Account Number : XXXX Experian XXXX indicates a late payment on the XXXX XXXX account. I would like to clarify that this account has never been late. Hence, I kindly request the removal of the late payment entry 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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The EQUIFAX AND XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXXXXXX Balance : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX I disputed my XXXX credit card account that still showed it as open on my Experian credit report. I even attached emails as proof - the same proof that I am attaching in this complaint now. 

This account was closed on XX/XX/XXXX. I have submitted proof but yet Experian denied it and yet it still remains on my credit report. It needs to be removed. Yesterday ( XX/XX/XXXX ) they completed their investigation but it still shows it as open. Their dispute investigation results were as follows : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

I don't understand how they could make that determination that the account was still open when in fact IS NOT! There is no email address or form to contact Experian about this. I could not re-dispute this either.

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of Equifax on XX/XX/2023. To date, Equifax has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 

XXXX Account Account Number : XXXX Equifax has erroneously reported a late payment on the XXXX account. I want to emphasize that this account has never been late. Therefore, I request the immediate removal of the late payment notation from my credit report. 

XXXX Account Account XXXX : XXXX Equifax has provided inaccurate information regarding the XXXX account. I kindly request the correction/update of this erroneous data on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC
State: CA

Complaint narrative:
Problem : - LoanCare , LLC incorrectly report " DELINQUENCY '' to all the credit bureaus for a mortgage payment for XX/XX/XXXX when it was paid. 
XXXX LoanCare , LLC incorrectly reports " XXXX '' to all the credit bureaus for a mortgage payment when the loan is transferred to another bank. 

What happened : - I purchased a home at the beginning of XXXX and LoanCare , LLC. was the lender. 
- I set all my auto mortgage payments through LoanCare , LLC website, and all mortgage payments were paid on time ( please refer to the attached documents ). 
- On XX/XX/XXXX, I made my XXXX and XX/XX/XXXX mortgage payments through auto payments ( please refer to the attached documents ). 
- On XX/XX/XXXX, LoanCare , LLC sold the loan to another lender ( XXXX Bank ) and stated the mortgage loan is being transferred, effective XX/XX/XXXX. After this date, a new servicer will be collecting your mortgage loan payments from you ( please refer to the attached letter ). 
- I contacted and complained regarding the issue back in XX/XX/XXXX ; however, the problem was never solved. 
- As of today, XX/XX/XXXX, the delinquency still appears on my credit report and has caused my financial issue because I wanted to purchase a new house, and the lender raised my interest rate and is in danger of being refused the loan.

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX credit report 3 times for the same application. XXXX were in the same day, but it was their automated system that I didnt authorize to run my credit report XXXX in the same day. The third inquiry for the following day should be the only inquiry on 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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
XXXX XXXX ran my credit report 3 times for the same application. 2 were in the same day, but it was their automated system that I didnt authorize to run my credit report 2 in the same day. The third inquiry for the following day should be the only inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX credit report 3 times for the same application. 2 were in the same day, but it was their automated system that I didnt authorize to run my credit report 2 in the same day. The third inquiry for the following day should be the only inquiry on 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 2023-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Hello, I used Paypal to wire the money to a supposed friend. However, I later found out that someone else hacked my friend account. I tried to request the money back but couldn't. I filed a report to paypal but they said they couldn't reverse the transaction because it's personal account. I tried to explain to them but they closed down my case without any action. The total amount I was defrauded with was XXXX usd. 

I even sent the accounts of the fraudster but Paypal ignored them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an American Express Credit Card and an American Express XXXX Acct. 

I updated my American Express Credit card to pay out of my XXXX account but for whatever reason it still was stuck on the Amex savings as the payment source. 

my payment was due by XX/XX/XXXX. Having realized that the wrong account was being debited for the payment i contacted american express XXXX bank customer service, and they said the payment had not been attempted on the account. If I wired funds that day the funds should arrive same day. 

I setup a wire from chase and got confirmation it was sent before wirecutoff so it would have been received same day XX/XX/XXXX. 

on XX/XX/XXXX the funds have not been received XX/XX/XXXX i called Amex and they said they haven't seen the wire hit yet, or the payment debit but the wire should bein the account by end of day XX/XX/XXXX the funds have not hit the account yet and the payment on the credit card bounced. i was assessed a {$39.00} payment return fee- which was waived. but i will be charged interest on the payment which will likely be around {$900.00}. 

i contacted amex savings and they said the wire was in review. and it should be in the account byt end of day. it is past end of day and yet the funds have not arrived in my account yet. 

this is an account that I own that i've also made transfers to this amex savings before in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
This complaint is filed against all 3 credit bureaus of TransUnion, XXXX, and XXXX for reporting incorrect information and incomplete information on my credit reports on said account of first premeir under account number XXXX that shows a high balance of XXXX. Account has been disputed with all XXXX bureaus and was verified as corrector accurate.A copy of the XXXX XXXX XXXX 3 bureau credit report is included so the account can be side by side by side XXXX XXXXl errors and discrepancies can be verified. The said errors are : XXXX. TransUnion reports no late XXXX, XXXX, or 90 days late. XXXX  reports 2 30 days late,1 60 days late and 2 90 days late. Then XXXX reports XXXX 30 days late, XXXX 60 days late and13 90 days late. No way was the consumer XXXX 90 days late. All differ and can't be clarified as correct and verified. XXXX. TransUnion and XXXX report highest balance as XXXX. XXXX reports XXXX as highest balance. All can't be correct. XXXX. All three report different dates of last activity. TransUnion shows XXXX as XXXX. XXXX reports XXXX as XXXX. XXXX shows XXXX as XXXX. All are different and all can't be correct. XXXX. Both TransUnion and XXXX show date of last payment as XXXX. XXXX shows date of last payment as XXXX. All don't match. 5. Both TransUnion and XXXX show credit limit as XXXX. XXXX shows credit limit as XXXX. 6. Date last verified is missing on both XXXX and XXXX reports. 7. Date closed is missing on both XXXX and XXXX reports. XXXX. TransUnion report under dispute status says account not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. XXXX. TransUnion report under Creditor 's Remarks says account is disputed. No dispute exist or pending and been concluded. Once dispute is over, TransUnion is to immediately delete any codes or remarks for dispute. TransUnion failed to delete dispute remarks/codes from account. XXXX. XXXX reports account not disputed under Dispute status. Contrary on same report under Creditor 's Remarks it says account disputed. Both differ and can't be correct. XXXX. XXXX  report says account disputed. No dispute is pending and has been concluded. Once dispute is over, XXXX was obligated to remove all dispute remarks or codes from account which was neglected to be done. XXXX. XXXX report shows account disputed under Dispute status and under Creditor 's Remarks. No dispute exist or is pending and has been concluded. Once dispute is over XXXX was obligated to remove all remarks or codes pertaining to dispute and failed to do so. All errors should result in deletion of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN THIS COMPANY CLEARLY STATES THEY ARE THE WRONG COMPANY TO ADDRESS ABOUT THIS ISSUE THIS IS THE COMPANY NAME THAT APPEARS ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX, PA XXXX I FEEL I AM A VICTIM OF FRAUD PLEASE REMOVE IT FROM MY CREDIT REPORT US C CODE 1681 STATES TRANSACTIONS CAN NOT BE ON CONSUMER REPORTS I NOTICED THE FOLLOWING DETAILS ON MY EXPERIAN CREDIT REPORT XXXX DATE OPENED XX/XX/2019 ADDRESS ID XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX TERMS XXXX MONTH CREDIT LIMIT {$2600.00} RECENT BALANCE 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