vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
My credit score dropped XXXX points in XXXX month checking XXXX XXXX. My only bad entry was an 8 month credit history. Before that, I had YEARS of credit history. I did nothing to cause it. I've paid everything on time. I got my free credit report from Experian. I don't know how to make heads or tails of it. I saw that a XXXX  in Colorado ( where I had legally sold land, and have no ties to that land any longer ) is still applying taxes against me for that land. My other uses of credit are ALL either paid off and closed, or are ongoing and are paid on time. All payments were OK in my credit history. 
1. Who reset my credit history? 
2. Why is a Colorado XXXX assessing taxes on me for property owned by another? 
3. Who can untangle this mess?

4. Has anyone broken the law?

5. Can I seek damages against the those who have done this 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 2024-12-02 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: MD

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have been sent to the federal trade commission after many attempts to fix my credit I also have a small claims petition with the state of Missouri in for the issue that has occurred, my ssn and id has been compromised oveXXXX XXXX years but I never had a credit card ever with any company I only report my rent with rent reporters, and the school is undergoing with responding letters, however Experian, XXXX, and XXXX has removed these accounts that has reflected and wrongfully placed in collections while the ftc is undergoing a investigation, please remove all information from my collection side as the companies are in violation of my fcra and I will seek max penalties of law if not updated, also the report is data mining many addresses and phone number and jobs not on the report with these companies I have reached out as well about this matter.

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 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Conduent Incorporated
State: CA

Complaint narrative:
I filed a dispute of 3 charges for {$20.00} dollars each for XXXX on the same date totaling {$60.00}, I contacted XXXX and they stated they never charged my bank card for these charges I would have to file a complaint with my bank which I did and they refuse to refund my money saying I have doing buisness in past with merchant, I never said I never used merchant in tthe past I am contesting these charges because merchant is stating they have no charges of these in there system, this bank is a total fraud and should be investigated I want me funds returned to my account immediatly or I will sue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are accounts on my credit report in pending litigation that should not be there, and despite multiple attempts to get them reviewed and removed, no action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed unauthorized inquiries on my credit report earlier today and have no idea why they appeared. During my usual credit report check, I found discrepancies that I didnt expect. I tried refreshing the browser to see if it was an error, but the problem persisted. Im asking for a thorough review of my submitted documents so this can be resolved for good.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of the Acima Leasing account ( ending in XXXX ) on my credit report. After carefully reviewing this entry, I have identified several inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in credit reporting. 
Issues with the Acima Leasing Account Reporting 1. Dual Classification of Charge-Off and Collection : o The account alternates between being listed as a " Charge-Off ( CO ) '' and a " Collection ( COL ) '' in the payment history. 
o These statuses are mutually exclusive. An account can not simultaneously be a charge-off and a collection. This inconsistency creates confusion and misrepresents the true status of the account. 
2. Balance Discrepancy : o The original balance is reported as {$1800.00}, but the current balance is {$2000.00}, with no explanation provided for the additional {$200.00}. 
o I request a breakdown of this balance, including any fees, penalties, or interest, and clarification of whether these additions are authorized by the original credit agreement. 
XXXX. Missing Data in Payment History : o Several months in the payment history are marked as " ND '' ( No Data ), making it impossible to verify the accuracy of the account 's progression. 
o Example : XX/XX/year> and other months lack complete payment data. 
4. Charge-Off and Past Due Amount Discrepancy : o The account is reported as having a charge-off amount of {$610.00}, but the past-due balance is listed as {$2000.00}. 
o There is no clear reconciliation of these figures, raising questions about their accuracy. 
XXXX. Failure to Resolve Prior Dispute : o The comment section states : " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' o Despite this acknowledgment, the inaccuracies outlined above remain unresolved, and no documentation or clarification has been provided to substantiate the reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NJ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-02 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: IL

Complaint narrative:
I am requesting your intervention to resolve the issue of an inaccurate account on my credit report. This has harmed my reputation as a customer, and I urge you to remove these accounts because they are falsely reported and damaging.

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 2024-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Vehicle was not repossessed in XX/XX/XXXX vehicle was repossessed in XXXX. However I was still not provided court documents for repossession. Please PROVIDE THE LEGAL DOCUMENTS/ COURT ORDER authorizing Westlake to repose the vehicle of a XXXX XXXX service member in accordance with 50 U.S.C . 3911 ( 1 ) and ( 2 ) and 50 U.S.C. 3952 or 50 U.S.C. 3953. Service members with loans that are covered by 50 U.S.C. 3952 are granted protection against repossession during the period of military service. Service-members with loans that are covered by 50 U.S.C. 3953 are also granted an additional period of protection for one year after the period of military service as stated in legal matter United States v. Westlake Services , LLC, et al. ( C.D. XXXX. ), XXXX XXXX. XXXX This is my last and final attempt before legal proceedings commence. I have request via email, mail and now telecommunication that this account simply be removed and any derogatory remarks be removed and payment be released for assessed damages by westlake. I have already spoke to XXXX XXXX who has also charged me an additional XXXX dollars for disputing this account which is not fair to me. Any further communication from this point forward will be from an attorney

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 2024-12-02 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: Early Warning Services, LLC
State: MA

Complaint narrative:
I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MD

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Dear XXXX Team, I hope this letter finds you well. I am writing to formally request a goodwill adjustment to my credit report. Upon reviewing my report, I noticed inaccuracies regarding accounts listed as charge-offs. These inaccuracies do not reflect my current financial standing or the steps I have taken to resolve past issues. 

I take full responsibility for the past challenges that contributed to the negative information. However, I have worked diligently to improve my financial habits and manage my obligations responsibly. To this end, I am humbly requesting that you remove or correct the following inaccurate items :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Inquiries that are not authorized. I did not authorize these inquiries.

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 2024-12-02 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: AZ

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. Experian is reporting recent balances of XX/XX/XXXX {$34000.00}, XX/XX/XXXX {$33000.00}, XX/XX/XXXX {$34000.00}, XX/XX/XXXX {$34000.00}, XX/XX/XXXX {$34000.00}, XXXX XXXX {$34000.00}, XX/XX/XXXX {$35000.00}, XX/XX/XXXX {$34.00}, XXXX. According to the Fair Credit Reporting Act ( FCRA ), Arizona Consumer Fraud Act ( A.R.S. 44-1521 ) negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. 

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter

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 2024-12-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Pay pal allowance of unauthorized payments. No assistance given when I notified pay pal, XXXX. Occurrence, XX/XX/year>. {$1000.00}. Item : XXXXXXXX XXXX XXXX XXXX. 

Also trouble with XXXX, charging my debit card constantly without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had some time to review my credit report and I noticed a few accounts that didn't belong to me. These accounts have never been registered by me before nor have I ever had any contacts with the creditors. Majority of the accounts below are originally from the TIME OF HAVING MY Identity stolen. Please see below. 
Account Name : XXXX XXXX Acct # XXXX Account Name : Amex Acct # XXXX Account Name : XXXX XXXX Acct # XXXX I am requesting that the accounts above be removed from my credit reports and that you place a fraud alert on my profile. I fully understand my rights under the FAIR CREDIT REPORTING AT AND U.S CODEs I researched my rights regarding the FAIR CREDIT REPORTING ACT and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report Please do not respond to my typed letter stating We verified that account belongs to you without providing me with all documentation. Once done feel free to send me my updated credit reports to my home address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-02 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: FL

Complaint narrative:
Per complaint XXXX Equifax informed inquiries would be removed. Inquiries were removed and has been placed back on my consumer report some how. This is against federal law. As stated before I have identified inquiries on my consumer report that has been furnished without my written consent, instructions, and I didn't provide permissible purpose this is identity theft : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached my FTC report and police report case number. I also attached a copy of my drivers license, social security card, and my credit card statement to verify my identity. Please remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My first corporate credit card ( CitiBank ) supposedly was delivered to me on XX/XX/XXXX, but I had never received it. Then I got an email from my company portal that I had expenses charged to this credit account, which I thought was impossible since I had not gotten the mail with the card. I go to my portal, and it says that I have made several purchases from XX/XX/XXXX- XX/XX/XXXX, varying from tens to hundreds of dollars. I never made these expenses because I never received the mail. I call Citibank to cancel the card and file a claim that they were all fraudulent charges, they tell me that all the charges should be gone from my account within 60 days. I receive a replacement card and order it to my family home at another address just in case the thief lived in my apartment and tried to steal it again. I receive the replacement card, I activate it, and thought everything was fine. I recently receive an email from Citibank saying that they will not be crediting my account for the fraudulent charges and have rebilled my account to reject my claim. They use the reasoning that they had received a call from my phone number on XX/XX/XXXX to activate the card using personal information. If these people had access to my phone number and my mail, I have no doubt they had access to my personal information as well. If I pull up my phone records, you will be able to see that I have never made a call out to CitiBank on that day ( will attach phone records below ). I explain to them there is new technology to swap other people 's phone number onto theirs using the SIM card. They dismiss it. I am now filing a claim with Consumer Finance to appeal their decision

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