vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing a complaint regarding inaccurate accounts on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX XXXX Balance : {$6500.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX Balance : {$1100.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX XXXX Balance : {$2500.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX XXXX Balance : {$2600.00} - Please take off the late things from this account because I think I made my payment on time. 

XXXX XXXX Balance : {$6200.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX XXXX Balance : {$2300.00} - I never missed a payment. Please update it immediately. 

XXXX XXXX Balance : {$6300.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from 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 explanation
Consumer complaint received 2024-06-29 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: NC

Complaint narrative:
I would like to dispute the following inaccurate accounts on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$21000.00} XX/XX/XXXX XXXX Account Number XXXX XXXX {$160.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX XXXX Account Number : XXXX {$21000.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$21000.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiryXXXX

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 2024-06-29 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:
It appears that my credit file with you has been compromised. I was going through my records & noticed many files which do not belong to me. I found that under section 605b of the FCRA you are required by law to remove & delete any items which are found to be opened due to identity theft. The disputed items do not belong to me are listed below. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$880.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-06-29 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've been a victim of identity theft due to the Equifax data breach, and I've discovered fraudlent accounts linked to my profile. These are not affiliated with me, and I never authorized them. XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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 am requesting the removal of all negative accounts from my credit report that have resulted from identity theft. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to remove any information identified by the consumer as resulting from alleged identity theft within 4 business days of receiving notice. Here is the list of Accounts that needs to be deleted in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-06-29 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 am requesting the removal of all negative accounts from my credit report that have resulted from identity theft. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to remove any information identified by the consumer as resulting from alleged identity theft within 4 business days of receiving notice. Here is the list of Accounts that needs to be deleted in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-29 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: CreditNinja Lending, LLC
State: MN

Complaint narrative:
I have paid ridiculous amounts of payments to them and called them to see what the Payoff was and it was more than the loan I took out. They are charging unethical amount of interest

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Company Name : MIDLAND CREDIT MANAGEMENT Address : XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX Phone number : XXXX Account number : XXXX Amount indicating owed : {$540.00} I have no acknowledgment of this company or this account. I have never done business with this company to owe such a debt. I have never been lent or borrowed any money from this company. I have never signed any agreement of a repayment to this agency. Im requesting that this company deleted this inaccurate information from my credit report because its violating my rights as a consumer. Im requesting that XXXX, XXXX, and XXXX remove this negative information from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV FUNDING Account Number : XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Company indicate that I owe a balance of {$490.00} dollars. 
Phone number : XXXX I have no acknowledgment of who this company is nor have I ever done business with this company to owe such debt. This creditor have never lent me any money. I have never signed any agreement to pay this company back. This agency is violating my rights as a consumer reporting this false information to XXXX, XXXX, and XXXX. Im asking that all 3 bureaus deleted this information from my credit report because its hurting my image as a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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 would like to dispute the following inaccurate accounts on my credit report. 

Equifax : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$21000.00} XX/XX/XXXX XXXX  Account Number XXXX XXXX {$160.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX {$21000.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$21000.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Dated back in XXXX For XXXX XXXX credited by care credit. 
The XXXX XXXX wasn't worthy of the debt. I've had several XXXX and XXXX XXXX. 
PRA threatened to seize my assets or put a lean on my bank account if not payed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I do have a Synchrony XXXX XXXX XXXX with limit of {$10000.00} since XXXX XXXXXXXX XXXX XXXX XXXX, received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my XXXX XXXX of XXXX XXXX obtained from XXXX. I attached that letter with this complaint. 
I did call Synchrony XXXX XXXX XXXX at XXXX today XX/XX/XXXX and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX 
Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to Credit Resolution Team Supervisor. When XXXX XXXX come online and when I ask him if he is Supervisor from Credit Resolution Team Supervisor, he said No, he is just Supervisor above XXXX XXXX. He spoke with his manager and say that he will transfer to Credit Resolution Team Supervisor than put me in hold then after few minutes after he back and say he not allowed to transfer to Credit Resolution Team Supervisor but transfer to his Manager XXXX XXXX. XXXX XXXX said that we do not have a Credit Resolution Team Supervisor and I guess she misguided me and also said that I should call XXXX who provide them that credit score and that credit score bring my credit limit down to {$250.00} only from {$10000.00} to {$250.00}. 
Further XXXX XXXX, XXXX told me that she is highest rank officer to reach by the consumer like me to any issue. With Synchrony XXXX XXXX XXXX When I call Synchrony XXXX XXXX XXXX, before XXXX XXXX pick up the phone, its automatic system informed me that all calls are tape. So, credit card company do have all conversation in tape, if they do not provide you, I did tape this phone conversation and glad to provide to CFPB. 
After suggestion from XXXX XXXX, XXXX of Synchrony XXXX XXXX XXXX XXXX Customer Service dept. I did call on her suggestion to call XXXX XXXX as it also provided in their letter. So I did call XXXX today XX/XX/XXXX and spoke from XXXX pm to XXXXXXXX XXXX and spoke with XXXX XXXX at XXXX. She mentioned to me in their records still showing the limit on this particular card is still {$10000.00} and suggested me if its reduced to {$250.00}, I can dispute with XXXX. She further mentioned that XXXX use XXXX credit score and might bank use the average credit score of three credit Bureau not just XXXX XXXX XXXX on XXXX XXXX showing XXXX as per credit card letter XX/XX/XXXX to me. I asked XXXX XXXX do I have right to dispute this with CFPB. So I dispute with both in this complaint.

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00} - XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00} - XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

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 2024-06-29 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Convergent Accts have violated my rights # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 15 U.S.C 1681 Section 602 A. States I have the 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 non-monetary relief
Consumer complaint received 2024-06-29 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: MO

Complaint narrative:
I am filing a complaint regarding inaccurate accounts on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX XXXX Balance : {$6500.00} - Please check the Payment History and XXXX information on this account and adjust accordingly. 

XXXX XXXX Balance : {$1100.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX XXXX Balance : {$2500.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX XXXX Balance : {$2600.00} - Please take off the late things from this account because I think I made my payment on time. 

XXXX XXXX Balance : {$6200.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX XXXX Balance : {$2300.00} - I never missed a payment. Please update it immediately. 

XXXX XXXX Balance : {$6300.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: AZ

Complaint narrative:
I am submitting to file a complaint regarding fraudulent activity on my credit report. After researching how to address this issue, I learned that I need to visit the Federal Trade Commission ( FTC ) or their website at XXXX XXXX XXXX to file an identity theft report. According to FCRA Section 605b, credit reporting agencies are required to remove any items listed in an identity theft report, reference number XXXX. Please find the attached documents to help with the removal of the accounts, inquiries and erroneous personal information on my reports. The following items were opened without my authorization : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Under FCRA Section 605B ( a ), credit reporting agencies must remove any items resulting from alleged identity theft within 4 business days of receiving the complaint.

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 2024-06-29 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , REMOVE ALL 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 consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX for {$530.00}, an EDUCATION loan account opened at DEPT OF ED in XX/XX/XXXX under the account number XXXX for {$6700.00}, a second DEPT OF ED loan under the account number XXXX for {$3700.00}, and a collections account opened at XXXX XXXX  for XXXX opened on XX/XX/XXXX with a balance of {$960.00} Acct # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. This has caused me denials for multiple lines of credit and resulted in financial harm. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 non-monetary relief