vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I am a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has negatively impacted both my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation into this issue. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.

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 2024-10-10 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: LEXISNEXIS
State: MI

Complaint narrative:
I have been a victim of a data breach and victim of fraud and victim of identity death. The accounts listed below were never open using my consent or permissible purpose or authority. They were open using my personal private information without permissible purpose the following companies never investigated or made contact with me to validate the accuracy of these accounts XXXX, XXXX, and XXXX XXXX along with the creditors are in violation of FCRA federal law, as I was never contacted to validate the accounts mentioned. And you may be held liable pursuant to federal law title 15 USC 1681o and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law. I have noticed an unauthorized Hard inquiry on my consumer report and would like It removed effective immediately. Here is the information that relates to this unauthorized inquiry. XXXX ( XXXX ) XX/XX/year> I have never done business with XXXX XXXX XXXX and I do not have any open accounts with this corporation. Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The previously stated inquiry must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
A purchase was made using my Sears Mastercard on XXXX at XXXX XXXX XXXX XXXX XXXX. I have never been to XXXX, nor did I authorize anyone to use my card there. Initially, I thought the charge was a purchase that I had made, but I later realized that it was a purchase made in XXXX at a facility that I have never heard of. 
I filed a dispute with Citibank, who has informed me that since they have no recourse to recover the funds that it is my responsibility to pay. I will be cancelling my account with Citibank and have no intention of ever doing business with them again.

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 2024-10-10 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: OK

Complaint narrative:
I am submitting this complaint on my own behalf. After reviewing my credit record, I noticed several late payments. I sent letters over 30 days ago but have not received a response, and they have not provided satisfactory validation. I would appreciate your assistance in resolving this issue. Thank you.

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 2024-10-10 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: FL

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States if executed outside the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE law to this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1201. Additionally, this misstatements are punishable as perjury under 18U.S.C 1621 This collection found within my credit report and not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All are being investigated by the FTC. 

XXXX XXXX. XXXX XXXX XXXX in the amount of {$800.00} XXXX XXXX. XXXX XXXX XXXX in the amount of {$800.00} XXXX. XXXX XXXX XXXX in the amount of {$1700.00} EXPERIAN XXXX. XXXX XXXX XXXX in the amount of {$800.00} XXXX. XXXX XXXX XXXX in the amount of {$1700.00} XXXX. XXXX XXXX XXXX in the amount of {$20000.00} ( INACCURATE REPORTING )

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-10 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: MI

Complaint narrative:
Im sure Ive been paying on time, yet there are some months where Ive been reported as late, which shouldnt happen. USC 1666b states that any billing errors must be corrected and the account updated to show it was paid as agreed

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I made a dispute and they did not remove all inaccurate information 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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I made a dispute and they did not remove all inaccurate information 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 2024-10-10 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: NJ

Complaint narrative:
I am writing to raise serious concerns regarding several issues I have encountered with the credit bureau, including false account entries, unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My home mortgage was held by Shellpoint Mortgage Servicing. 
In XX/XX/year> I sold this home. The closing was completed XX/XX/year>. 
This mortgage is being reported as unpaid and also being reported as XXXX payment as being 60 days late and the XXXX payment as being 30 days late. 
This is being reported this way even though I received a notarized letter from Shellpoint saying the mortgage was satisfied in full. This letter was dated XX/XX/year>. On XX/XX/year>, Shellpoint reported to XXXX this erroneous information. 
I have filled a dispute with the credit bureaus. 
I also phoned Shellpoint. ( XX/XX/year> ) I spoke with XXXX XXXXXXXX XXXX. I explained the issue with her, she confirmed the mortgage was paid in full. She told me in order for them to correct the erroneous information I would need to email a copy of my credit report to her and it would take 60-90 days for the error to be corrected. I emailed the report to her at XXXX as soon as our call was finished. 
In the meantime I can not proceed with buying a home or even renting an apartment due to what the erroneous information provided by Shellpoint is doing to my credit score.

I am presently living in a motel at a cost of XXXX XXXXXXXX dollars per night, and paying {$200.00} monthly for storage of my belongings.

These amounts do not take into consideration that my meals are all eaten at restaurants.

Their wrong reporting is costing me a fortune, and the mental anguish and XXXX  is indescribable.

Would you please help me with a resolution for this difficulty.

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 2024-10-10 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: Tilt Finance, Inc.
State: PA

Complaint narrative:
I XXXX XXXX borrowed, XXXX dollars from empower on XX/XX/year>, it was due on XX/XX/scrub>XXXX they did not debit from my account, so i waited 2 days later to see if they got their payment, they ha XXXX not, so i went to the bank on XX/XX/scrub>XXXX  to see if the bank had a problem, they did not, the bank lady looked up empower, s number, i called and asked the lady, why havent they took their payment out, she said she couldnt, i daid to her when i borrowed XXXX dollars the first time, yall didnt have any problems, why now, than she put me on hold for a very long time, and came back on the phone and said, they need to change the due date, to XX/XX/year> i want them to get their money, i dont trust them, i cancllrd my debtit card, i will pay them by money order, i dont want them trying to go in my account any more, they gave me the run around, since XXXX  i just want to pay them what i owe them which is XXXX dollars, they seem shady, and i dont want nothing else to do with them, i told the lady cancell my information, after yall get your payment, which they did not, i dont trust this company, i dont want them stealing off of me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: RAM America, Inc

Complaint narrative:
My husband, a 100 % XXXX United States XXXX Veteran, was attempting to settle some debt after he was given a prognosis of his health so that I would not have to deal with financial hardship. He scheduled an appointment with his financial banker at XXXX XXXX. His was give a referral to contact XXXX XXXX XXXX. 

On XX/XX/XXXX, My husbanded into a contract with XXXX XXXX XXXX, to negotiate outstanding debt, and RAM, Reliant Account Management acting as the account servicing agent. On XX/XX/XXXX, I, his wife, became his Financial and Medical Power of Attorney after my husband was hospitalized. I stepped away from my career to care for my husband fulltime. I took over the finances and contacted XXXX to inform them of my intentions to terminate the contract. All the household accounts was on autopay as I spent days and nights at the hospital by my husband 's side. 
On XX/XX/XXXX, my husband passed away. I again contacted XXXX XXXX XXXX on XX/XX/XXXX, and requested the account closed and all monies forwarded to me so I may complete my fiduciary duties accordingly to my husband 's estate. ( Please see attached email ) XXXX agreed to process a cancellation however nothing else followed. I made calls weekly to check the status of the cancellation and refund. Sometimes getting a phone attendant informing me someone would contact me, other times not getting anyone on the phone at all. According to the attached contract, we were able the cancel the contract at any time and have all monies returned. 

On or about XX/XX/XXXX, I received a check in the amount of {$100.00}. I was completely and totally insulted by this disregard and mismanagement of this account. 
On XX/XX/XXXX, another request was made by the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the full amount listed in the escrow account in the amount of {$9900.00}. ( Please see attached document ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX bal. {$120.00}. XXXX XXXX XXXX. {$730.00}. XXXX. bal. {$2000.00}. XXXX XXXX. bal. {$730.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
On XXXX I received a settlement offer from XXXX XXXX XXXX XXXX XXXX XXXX, that stated that I could pay {$270.00} of my balance to settle the account as long as it was paid by XX/XX/scrub>XXXX  That amount was paid on time and has cleared my bank account, and the company still has not honored their part of the agreement and has a balance showing of {$91.00}. The balance as of 10/10/2024 is now accruing interest and will be reported to my credit on XXXX showing an incorrect balance. I have reached out to the company, and they assured me that it would be taken care of, and to date it has not been. This is fraud, and in my opinion the government is allowing predatory companies such as XXXX XXXX to get away with too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I have requested several disputes from Transunion Credit Report about an account in the credit report and as of today they have not validated the account, nor have they deleted it. The account is a credit card, I request it be removed from the credit report as soon as possible.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation