vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
The number that they called is a business line that I have had for over 5 years. The person was looking for someone I have never heard of, but they spoofed the phone number. They claimed to be from MCM, Midland Credit Management and gave the contact phone number as XXXX. The number that showed up on my caller ID is XXXX and said " account services ''. The person claimed to be at a call center in XXXX and gave the address as XXXX, XXXX XXXX XXXX  The person could not tell me the address of MCM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: PA

Complaint narrative:
Please see attached documentation to meet demands in a timely fashion. PLEASE DO NOT SEND ME A LETTER VIA MAIL SAYING YOU DO NOT RECOGNIZE OR DO NOT THINK THAT IT IS INDEED MYSELF, XXXX XXXX XXXX AND YOU CANCEL THE COMPLAINT!!!!! I HAVE SUBMITTED MY ID AND MY SOCIAL SECURITY CARD AS VERIFICATION THAT I, XXXX XXXX XXXX, AM SUBMITTING THIS ALONE WITHOUT ANY THIRD PARTIES OR INFLUENCE!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I have been XXXX for the last two years. I got the car in XX/XX/XXXX. For the next 6 to 7 months my payments were always on time or even early. In XXXX I made two car payments to try and pay interest. I lost my job and became XXXX in XXXX. I then applied for XXXX  which takes up to one year or more to get settled and deemed XXXX via government. I got a letter from Exeter Finance to settle the account in XXXX XXXX They charged off the account without notifying me then sold it to another company. My ADDRESS XXXX XXXX XXXX XXXX XXXX has ALWAYS been my address. I didnt even live at a XXXX XXXX at this time. They claim that they sent a letter of notification to an address I lived at years ago. They always had XXXX XXXX XXXX and I never received notification or calls that this is what they were going to do. I also notified that I was XXXX and no money to my name. They had this information but now lying saying they didnt. When I finally got XXXX in XXXX I called to see if I could still settle the account due to the letter they sent but they said they sold it. These finance companies lie and still get over on the customer. XXXX is a long drawn out process that I had to go through before I even turned XXXX. I want to settle the account for the 20 % of the loan they offered. I dont want a collection or charge off to still show. I will need it fully removed and my title. I tried calling them multiple times in XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX to see if there is a chance to get the settlement agreement done but they have given my the run around with no resolution. Plus the charge off dates are reported invalid on my credit report as well as payment past due dates. I was current until XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-24 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-24 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: MA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc.
State: ID

Complaint narrative:
XXXX This company Fcator Trust-Consumer Inquiries has violated the FDCPA by providing information to an untold number of people or companies without my permission. They also have violated the Privacy Act by being allowed to use my personal information and research my private information while not being an official form of government to which has the right to use or research my information, without my permission. They were recently asked to provide personal information on myself and my history to another company by the name of XXXX XXXX XXXX XXXX XXXX XXXX I have at no time authorized anyone at Factor Trust to investigate me, my personal information or even use my information for any reason. They are not authorized by law to use anyone 's personal information for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have noted that the aforementioned medical collections account, related to services rendered on XX/XX/2023, in the amount of {$1000.00}, and additional charges of {$930.00} has been reported despite the fact that it does not meet the criteria for permissible reporting under the No Surprises Act. 

On XXXX XXXX I was notified but XXXX that this account was verified as reporting accurately even after reporting that this creditor was in violation of the No Surprises 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have noted that the aforementioned medical collections account, related to services rendered on XX/XX/year>, in the amount of {$1000.00}, and additional charges of {$930.00} has been reported despite the fact that it does not meet the criteria for permissible reporting under the No Surprises Act. 

On XXXX XXXX I was notified but XXXX that this account was verified as reporting accurately even after reporting that this creditor was in violation of the No Surprises Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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:
Experian closed its 11th complaint today without addressing a single issue but giving the must idiotic explanations because there are several BUT EXPERIAN STOLE NOW ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX  AND REFUSE TO GIVE THEM BACK that problem thee won't address even though I submitted evidence to prove otherwise

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 2024-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: KY

Complaint narrative:
In XXXX XXXX XXXX I couldnt make my payment by the due date and I incurred a late charge of {$29.00}. They showed my balance for XXXX at {$610.00} on XX/XX/XXXX, and I paid {$620.00}. Then I paid another {$30.00} on XX/XX/XXXX to cover the late charge. The late charged was still showing as of XX/XX/XXXX. I wrote several chat messages and called Santander about the issue and was informed that I was still late. That cant be possible when I paid {$61.00} over the {$580.00} due for the month. Santander is possibly doing this as retaliation for a complaint I filed against them with the XXXX  and corporate. They also refused to honor moving a payment to the end of the loan because they knew I lost my job and the vehicle had over {$7000.00} worth of damage that needed to be paid. I asked them to move one payment to the end of the loan and they said no, even though I qualified for the move. They said they didnt feel they should do it. I asked them to moved my payment date to the XXXX of the month and they said no. So I had no choice but to be late paying the bill for XXXX. A comment was made that I probably needed the money for XXXX, which was XXXX since I never celebrate holidays. These people are so horrible. They mistreat customers and then intentionally try to set customers up to fail. There is no way I should still owe money on a late fee when I paid over by {$61.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-24 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: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
XXXX XXXX is stating I owe a bill. I disputed the debt with XXXX XXXX and they failed to provide copies of the bill statement showing the charges. 

Now my credit score has been impacted due to adverse credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: AZ

Complaint narrative:
Someone is fraudulently using my information for netspend, I have not been able to access netspend cards for over 6 months. Refuse to close or give me information.

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 2024-01-24 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with fraud alerts or security freezes — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX I had a hard inquiry on my credit report and I never even heard of this place. ( Oportun/XXXX  ) I called the place and they didnt have any of my information in their system. They gave me numbers to call to get a dispute, as I am working on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: TN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I gave my daughter my credit card to purchase school supplies for my grandkids. She took my credit card and went to a bunch of different other stores without my permission or consent, signed my name and charged up over {$400.00}. I called the company and I told him I didnt authorize any of these charges, they said they would take care of it. In the meantime I was making a payment so my credit would not get hurt. They sent me a check for the amount that I gave them and said I did not have to worry about the charges because I didnt authorize them the following month I received the bill for {$27.00}. I called them to ask them what this was she explained to me that one of the consumers Wanted {$27.00} I think to settle the claim I said no Im refusing to pay that because I did not receive any merchandise. I did not sign for anything and I did not give consent to anything. She told me she would handle it I received a bill this month with that {$27.00} and also late fees, I tried to call them and ask them what was going on and they refused to take the amount off my credit card and said when they sent me a check for the amount that I paid on the credit card they sent me an extra {$27.00} I never received a letter in the mail stating that What he said I didnt receive a phone call or any emails I wasnt aware of any of this and then they hit me with a late fee and now theyre insisting I pay it or theyre gon na ruin my credit so I need to know what I can do about this because this is against the law And its hurting my credit right now because theyre putting in that I was late on a payment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: DC

Complaint narrative:
Dear FTC, Subject : Report of Unauthorized Hard Inquiries on Credit Reports I am writing to file a formal complaint regarding unauthorized hard inquiries on my credit reports, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). The unauthorized inquiries are as follows : Name Requested On Reporting Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax EQUIFAX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax EQUIFAX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax EQUIFAX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these inquiries have been made without my authorization and are adversely affecting my credit report. I request your assistance in investigating this matter and taking appropriate actions to address this violation. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation