vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As of XX/XX/2023, I received results of my dispute saying it was updated. I see no changes in the update that I received. Im denying this update because there was a failure to verify the dispute correctly. I see on my credit report that these accounts were run as charged off. I never received the 1099-C Cancellation of Debt forms. Therefore, under consumer law 15 USC 1681e ( b ) these accounts are inaccurately reported and Im requesting that these accounts be removed from my credit, all 3 bureaus, 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 explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX, Transunion Showing negative accounts on my credit report that are not in the negative please remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, experian, XXXX Showing negative accounts on my credit report that are not in the negative please remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I hereby do not acknowledge the following accounts and/or account balances described in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I hereby do not acknowledge the following accounts and/or account balances described in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Please Note : I received a message an account already existed for me, but this is the first time I used my new email to file a complaint with CFPB ; more proof of Identity Theft! 

On or around XX/XX/XXXX I was denied credit because of fraud & /or identity theft getting reported by XXXX lowering my credit score. 

I lived in XXXX, XXXX for over a year so it is impossible that the information is accurate, especially because all my imported USA property was stolen abroad & upon my repwiatriation in XXXX. 

This is blatant retaliation discrimination ( as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, notice the date this occurred was XXXXXXXX XXXX XXXX  & the TX XXXX  is getting XXXX  most from XXXX  which even XXXX XXXX legally are protesting have it end & President Biden is discussing it with the President of XXXX ) which I have attempted to dispute with all my credit bureaus in the past directly and that is more trouble than it is worth ( waste of time & money ), so I'm filing a complaint with your organization. 

Comenity Bank used my XXXX credit report to justify denying me continuance of credit with my Victoria 's Secret Credit Card. 

The following information was given as reasons, but all of it is inaccurate : " Lack of real estate secured loan information Balances on accounts too high compared to credit limits and loan amounts Too few accounts paid as agreed Not enough balance paid down on installment accounts '' Concisely, to prove the inaccuracy of this information I do not have a house nor any loans in my name at this time that would effect my credit ( the student loans I have are deferred or deferrable ). 

My Victoria 's Secret credit card is the only account I had & I paid it off as agreed & had a {$700.00} limit with a XXXX balance. I filed a separate complaint on Comenity Bank. 

Additionally, all my USA property that I imported to XXXX, XXXX where I had lived from XX/XX/XXXX, well over a year was stolen and all my luggage when I repatriated XX/XX/XXXX, further proving identity theft & fraud/online scammers. I know the loans weren't done in person because none of the loans would have been approved & the irony is if I had applied I would have been denied, therefore, I don't know how the loans & credit was issued. 

I would sue those responsible, but they never give me their names & this complaint is to stop their use of my credit which I didn't utilize abroad in XXXX nor have I upon my repatriation, except to continue using my VS credit card that prior I had to report as stolen. 

In closing all of the XXXX listed loans & credit cards adversely effecting my credit score belong to someone other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2023 at approximately XXXXXXXX XXXX an unauthorized charge of {$63.00} was made to my account from XXXX California at a XXXX XXXX XXXX gas station. At about XXXX XXXX. the same day I called chime and let them know what happened and opened up a claim dispute. To my surprise about eight days later chime informed me that they were not going to reverse that transaction because there was no error found.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT

Complaint narrative:
I have contacted XXXX multiple times through dispute letters, and First Interstate Bank has had them verified with incorrect and missing information. I will attach a copy of 2 accounts reported by XXXX and verified by First Interstate Bank. These accounts both have the same account number. I only remember 1 account, since I would not not need a 2nd account with the same credit limit, both are joint. This is an error on First Interest Bank reporting 2 accounts with the same account number. I contacted First Interstate bank and asked them for a copy of the payment history I was told First Interstate Bank that they did not have any reports for this account number. The account number as reported by XXXX XXXX .... FIRST INTERSTATE BANK This was reported by XXXX Report # XXXX for XX/XX/XXXX. the only difference was one account was reported as opening XX/XX/XXXX and the other account opening XXXX of XXXX since there is no other way to see any difference i will use the date opened. The XX/XX/XXXX- has Terms Not Report INACCURATE, Monthly Payment Not Reported INCOMPLETE, Recent Balance Not Reported, This account shows an open date from XX/XX/XXXX and closed XXXX XXXX ( 4 Year 1 month ) The payments history shows only 12 payment periods. Yet when I asked for a payment history from FIRST INTERSTATE BANK could not provide a payment statement. The second account with the same number which was opened XX/XX/XXXX shows Terms for ( 1 months )??????? There are 12 months reported on the payment history. The 2nd account with same number has an opened date of XX/XX/XXXX This account shows closed XX/XX/XXXX. How can an account be closed before it was opened INACCURATE??????? On this same account information such as monthly payment and Recent Balance are not report INCOMPLETE, This was verified by FIRSTINTERSTATE BANK. There are so many mistakes on this report from XXXX that have been verified by FIRST INTERSTATE Bank. FCRA Section 609 and 611 require creditors and credit reporting companies to provide accurate information on credit reports. If accurate information can not be provided then the account is to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Current credit report is all incorrect and causing lots of issues and harm to me. I had notice that my report had incorrect information consisting of inquiries, Name, address and credit score. I had called multiple times and emailed various times to remove and to properly investigate this subject matter. I verbally requested to investigate this issue on XX/XX/2023 and only a few inquiries were fixed. As a reporting bureau all information on file should always be investigated before reporting such information on a report. I would like to also state that your ads are misleading and unfair. The display of a " click button '' to boost your fico score immediately, is simply a false click bait that doesn't do as it states. I need all file fixed and corrected 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 explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I have contacted Experian multiple times through dispute letters, and XXXX XXXX XXXX has had them verified with incorrect and missing information. I will attach a copy of 2 accounts reported by Experian and verified by XXXX XXXX XXXX. These accounts both have the same account number. I only remember 1 account, since I would not not need a 2nd account with the same credit limit, both are joint. This is an error on XXXX XXXX XXXX reporting 2 accounts with the same account number. I contacted XXXX XXXXXXXX XXXX and asked them for a copy of the payment history I was told XXXX XXXXXXXX XXXX that they did not have any reports for this account number. The account number as reported by Experian XXXX .... XXXX XXXXXXXX XXXX This was reported by Experian Report XXXX XXXXXXXX for XX/XX/XXXX. the only difference was one account was reported as opening XX/XX/XXXX and the other account opening XXXX of XXXX since there is no other way to see any difference i will use the date opened. The XX/XX/XXXX- has Terms Not Report INACCURATE, Monthly Payment Not Reported INCOMPLETE, Recent Balance Not Reported, This account shows an open date from XX/XX/XXXX and closed XXXX XXXX ( 4 Year 1 month ) The payments history shows only 12 payment periods. Yet when I asked for a payment history from XXXX XXXXXXXX XXXX  could not provide a payment statement. The second account with the same number which was opened XX/XX/XXXX shows Terms for ( 1 months )??????? There are 12 months reported on the payment history. The 2nd account with same number has an opened date of XX/XX/XXXX This account shows closed XX/XX/XXXX. How can an account be closed before it was opened INACCURATE??????? On this same account information such as monthly payment and Recent Balance are not report INCOMPLETE, This was verified by XXXX XXXX. There are so many mistakes on this report from Experian that have been verified by XXXX XXXX XXXX. FCRA Section 609 and 611 require creditors and credit reporting companies to provide accurate information on credit reports. If accurate information can not be provided then the account is to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am victim of identity theft. There are accounts on my credit report that I did not authorize. I have attached the necessary documents to file a dispute. I also mailed in the same documents last month but I had no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX You are in direct violation The Fair Credit Reporting Act ( Credit Acceptance # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly States that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Reporting 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 explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
LVNV FUNDING RE-AGED 2 ACCOUNTS FROM XXXXXXXX XXXX THAT WERE ALREADY REMOVED BEFORE FROM MY CREDIT REPORT IN XXXX AND XXXX. 

XXXX IS STILL REPORTING THESE RE-AGED ACCOUNTS FROM XX/XX/XXXX. IT IS A VIOLATION OF THE FCRA LAWS TO RE-AGE AN ACCOUNT. I WANT THIS REMOVED IMMEDIATELY. THIS IS NOW XXXX DISPUTE WITH YOU. THE LAST DISPUTE XXXX STATED THAT IT WAS NOT REPORTING ON MY CREDIT REPORT HOWEVER IT WAS AND STILL IS. I WANT THIS DELETED IMMEDIATELY. 

XXXX REEMOVED ONE OF THE RE AGED ACCOUNTS BUT DID NOT DELETE THE OTHER ONE. ENDING IN XXXX. 
AND I HAVENT HEARD ANYTHING FOR OVER 60 DAYS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to bring to your attention an inaccurate collection entry on my credit report, which has been reported by a company called XXXX XXXX XXXX XXXX from XXXX XXXX XXXX I request your assistance in resolving this matter as it does not belong to me and appears to be a case of identity t Details of the inaccurate collection are as follows : Creditor : XXXX XXXX Account Number : XXXX Amount : {$120.00} I have carefully reviewed my credit report and have confirmed that this collection entry is not associated with any account or transaction I have ever engaged in. Considering this, I believe my personal information has been misused, and this collection is the result of identity theft. 

I have already taken the necessary steps to protect myself from any further fraudulent activity, including filing a police report and notifying the relevant financial institutions. Enclosed with this letter, you will find copies of the supporting documentation, including the police report and identity theft affidavit, which provide evidence of the fraudulent nature of this collection. 

I kindly request that you investigate this matter promptly and remove the inaccurate collection from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agencies to conduct a reasonable investigation into disputed items, and I trust that you will ensure a thorough examination of this issue. 

Please provide me with written confirmation once the investigation is completed, and the necessary steps have been taken to correct this error. Additionally, I would appreciate any assistance or guidance you can provide to help me resolve this matter effectively. 

Thank you for your prompt attention to this dispute. I look forward to a swift resolution, and I trust in your commitment to protecting consumers from identity theft and maintaining the integrity of credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
N accordance with the fair credit reporting act XXXX accounts Has violated my rights XXXX XXXX XXXXXXXX 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 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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
N accordance with the fair credit reporting act XXXX accounts Has 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
The only would allow one gap company and when the vehicle was totaled and credit acceptance didnt allow the gap company pay off the complete remaining amount and did not notify me of the difference and drop my credit score and it is preventing me from getting a new car loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I have contacted Experian multiple times through dispute letters, and XXXX XXXXXXXX XXXX  has had them verified with incorrect and missing information. I will attach a copy of 2 accounts reported by Experian and verified by XXXX XXXXXXXX XXXX These accounts both have the same account number. I only remember 1 account, since I would not not need a 2nd account with the same credit limit, both are joint. This is an error on XXXX XXXXXXXX XXXX reporting 2 accounts with the same account number. I contacted XXXX XXXX XXXX and asked them for a copy of the payment history I was told XXXX XXXXXXXX XXXX that they did not have any reports for this account number. The account number as reported by Experian XXXX .... XXXX XXXX XXXX  This was reported by Experian Report # XXXX for XX/XX/XXXX. the only difference was one account was reported as opening XX/XX/XXXX and the other account opening XXXX of XXXX since there is no other way to see any difference i will use the date opened. The XX/XX/XXXX- has Terms Not Report INACCURATE, Monthly Payment Not Reported INCOMPLETE, Recent Balance Not Reported, This account shows an open date from XX/XX/XXXX and closed XXXX XXXX ( 4 Year 1 month ) The payments history shows only 12 payment periods. Yet when I asked for a payment history from XXXX XXXXXXXX XXXX could not provide a payment statement. The second account with the same number which was opened XX/XX/XXXX shows Terms for ( 1 months )??????? There are 12 months reported on the payment history. The 2nd account with same number has an opened date of XX/XX/XXXX This account shows closed XX/XX/XXXX. How can an account be closed before it was opened INACCURATE??????? On this same account information such as monthly payment and Recent Balance are not report INCOMPLETE, This was verified by XXXXXXXX XXXX There are so many mistakes on this report from Experian that have been verified by XXXX XXXXXXXX XXXX. FCRA Section 609 and 611 require creditors and credit reporting companies to provide accurate information on credit reports. If accurate information can not be provided then the account is to be deleted.

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