vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: NJ

Complaint narrative:
XXXX. Experian pulled in old data from my previous creditor XXXX XXXX  - XXXX from 2018 to lower my credit score by 53 points. 

XXXX. My mortgage bank ( XXXX XXXX  ) has inaccurately reported my XXXX mortgage payment showing a late payment when in fact I did make the payment. XXXX XXXX  raised my payment amount due to the rise in taxes and instead of starting adjusted payments in XXXX they started adjustment payments XXXX ( the previous amount was automatically withdrawn in XXXX. I started receiving calls in XXXX from XXXX XXXX  but their representatives were hanging up the calls when I answered. I called in to find out what's going in and learned that I owe an excess of XXXX dollars. I made the payment by phone which was never processed by their representative. I started to receive calls again from XXXX XXXX  and getting disconnected by thteir representatives. I called back in a second time and was told the payment is stil outstanding. I made the payment by phone a second time which was processed in mid XXXX. I filed a dispute with the XXXX XXXX for their bad banking practices. This caused a 30 day late payment hit my credit report as well. A dispute with XXXX Bank is pending. A dispute with Experian is still pending. 

Unfair banking and Credit Report practices from both institutions. I currently can not obtain a loan because of this,

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 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: KS

Complaint narrative:
XXXX XXXX never verified the debt they had on my name and was it actually me. They never produced the requested info in a timely manner and the debt is considered to be void as they were in dishonor. 
XXXX XXXX shared private consumer info with a 3rd party debt collector without prior written or verbal consent per USC 15 sec 6802. That information includes false and misleading statements USC 15 sec 1692e.

They supplied Name, Address, account numbers and financial information all are {$1000.00} fines. 
Radius Global Solutions LLc has used all that information without confirming it and without my consent. They have no contract with XXXX XXXX giving them my consent and they have no consent from the consumer.

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 2024-01-31 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: FL

Complaint narrative:
I have called, emailed, disputed, and been given the run around on this issue too many times. I have a school loan and owe two different companies for the same loan now ive been told. It is reflected on my credit report 15 times. There is no reason for it to be on my report so many times for the same account. It is very detrimental to my credit and to anyone who looks at it when it is required! Showing that many bad marks for one account is against code law! I do not owe XXXX or XXXX those accounts are not valid.

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 2024-01-31 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:
I have called, emailed, disputed, and been given the run around on this issue too many times. I have a school loan and owe two different companies for the same loan now ive been told. It is reflected on my credit report 15 times. There is no reason for it to be on my report so many times for the same account. It is very detrimental to my credit and to anyone who looks at it when it is required! Showing that many bad marks for one account is against code law! I do not owe XXXX or XXXX those accounts are not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: FL

Complaint narrative:
I have called, emailed, disputed, and been given the run around on this issue too many times. I have a school loan and owe two different companies for the same loan now ive been told. It is reflected on my credit report 15 times. There is no reason for it to be on my report so many times for the same account. It is very detrimental to my credit and to anyone who looks at it when it is required! Showing that many bad marks for one account is against code law! I do not owe XXXX or XXXX those accounts are not valid.

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 2024-01-31 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: WA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This complaint is to report the fraudulent opening of a Lowes credit card in my name and charging within a few dollars of the maximum limit of card. I do not have a Lowes card nor did I request one.

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 2024-01-31 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: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, I went to my local XXXX and purchased an American Express Prepaid Gift card and put XXXX dollars on the card. After purchasing, I immediately attempted to claim the gift card and link it to my paypal account. Unfortunately this did not work and I was given the message " the card has declined. contact card issuer ''. After attempting to use XXXX, XXXX, and XXXX with the card, all online stores did not accept the card and it declined. I then contacted support and was told that it can not be used for XXXX however this did not explain why it would not work on XXXX or XXXX. As of now, I have a useless card with XXXX XXXX dollars on it that can not be used to make any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: PA

Complaint narrative:
In accordance with FCRA XXXX Account # XXXX has violated my rights in accordance with 15 USC 1681a-Definitions ; rules of construction ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing. information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 b ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-01-31 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: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-01-31 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: NV

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 explanation
Consumer complaint received 2024-01-31 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: WA

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 non-monetary relief
Consumer complaint received 2024-01-31 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: WA

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX. XXXX pulled in old data from my previous creditor XXXX XXXX - XXXX from XXXX  to lower my credit score by XXXX  points. 

XXXX. My mortgage bank ( 53rd Bank ) has inaccurately reported my XXXX mortgage payment showing a late payment when in fact I did make the payment. 53rd Bank raised my payment amount due to the rise in taxes and instead of starting adjusted payments in XXXX they started adjustment payments XXXX ( the previous amount was automatically withdrawn in XXXX. I started receiving calls in XXXX from 53rd Bank but their representatives were hanging up the calls when I answered. I called in to find out what's going in and learned that I owe an excess of XXXX dollars. I made the payment by phone which was never processed by their representative. I started to receive calls again from 53rd Bank and getting disconnected by thteir representatives. I called back in a second time and was told the payment is stil outstanding. I made the payment by phone a second time which was processed in mid XXXX. I filed a dispute with the 53rd Bank for their bad banking practices. This caused a 30 day late payment hit my credit report as well. A dispute with 53rd Bank is pending. A dispute with XXXX is still pending. 

Unfair banking and Credit Report practices from both institutions. I currently can not obtain a loan because of this,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NC

Complaint narrative:
I am writing to report a case of identity theft that has resulted in unauthorized inquiries on my credit report. Despite notifying the companies involved, these inquiries have not been blocked or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The card Exp was in XXXX I canceled the account in XXXX I paied all past balances and interest on spirit card offered by bank of America with no Annual fee so I took it in XXXX by XXXX they sent me a letter telling me they were going to start charging me an annual fee of XXXX a yr so I paied them what I owed plus interest and canceled the card it's on my credit report still u want it off then this man contacts me from XXXX XXXX in XXXX XXXX gives me his name and number and Ext tells me he will send a full repot to my E-Mail I get a 2 line letter in the mail and it tells me the matter is closed and there not changing anything I filed a complaint with XXXX of XXXX North Carolina with a pic of there letter the letter offers no Explain of why and this XXXX XXXX  from XXXX XXXX in XXXX XXXX doesn't answer his phone now interesting I want this off my credit report thank u

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 2024-01-31 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: NJ

Complaint narrative:
the reporting of my personal information on my credit report in connection with the account provided by [ XXXX XXXX XXXX XXXX ]. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ), I am seeking clarification and documentation regarding the permission granted for the sharing of my personal non-public information ( OPT-IN ). 

It is my understanding that, as per GLBA regulations, an " initial notice '' must be provided at the time the customer relationship is established. I am requesting the following documents to verify and validate the legitimacy of the sharing of my personal information : XXXX. A copy of the " initial notice '' provided to me at the establishment of the customer relationship, outlining the terms under which my personal information may be shared. 

XXXX. Written contracts and agreements between myself and the data furnisher that explicitly grant permission to share my personal non-public information. 

XXXX. Any documents that bear my signature, confirming my explicit consent ( OPT-IN ) for the sharing of personal information. 

According to GLBA regulations, the furnisher can only validate the sharing of my information if a written contract with my signature is in place. Additionally, it is imperative to adhere to the requirement that private non-public information should not be sold for marketing purposes without explicit permission. 

If the requested documents can not be provided, are not found, or do not exist, I assert that the information in the profile is NULL and VOID, as it does not comply with the necessary legal requirements. 

I kindly request that you provide the requested documentation within timely manner of 30 days of the receipt of this letter. Failure to do so may result in my filing a complaint with regulatory authorities and pursuing legal action to rectify any inaccuracies in the reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: VA

Complaint narrative:
On or around XXXX of XXXX, I went to a dealership to inquire about purchasing a used XXXX XXXX XXXX XXXX. I was given the vehicle to test drive for a few days. During the test drive time frame, the vehicle broke down on the interstate. I contacted the dealership and had the vehicle towed back to the dealership. I advised the dealership that I obviously did not want to purchase a vehicle that had broken down. The dealership said they would take a look at it and if it was something minor would I still be interested in purchasing the vehicle. I advised, possibly but it would depend on what the issue was. A few weeks later I received a letter and email thanking me for joining XXXX and a payment booklet. I was on my way out of town, so I took the payment booklet with me so that I could call the company when I landed. I called XXXX and spoke to a man, I advised him that I did not have the vehicle, that I never signed for the loan and asked why I had received a payment booklet. He advised that they received documents with my signature. I advised that I never signed anything, asked for a copy of the documents and even asked for video from the dealership showing that i signed. They advised me they would investigate. Their investigation was them calling the dealership and telling them i called. Nothing more. I assumed that it was resolved because I saw the dealership list the same vehicle for sale. In early XXXX, I received a call from a woman at XXXX stating that I was late on my car payment. I advised her that I did not have a loan with them. I did not have the vehicle and that I never signed any paperwork. She glossed over this fact and continued to try and make me pay for a loan that I never signed for. I refused. Later that year around XXXX or XXXX, I decided to check my credit report and saw that XXXX had placed the loan on my credit report and said i was late. Around this time, i also noticed that the vehicle in question was listed for sale on the same lot. I disputed XXXX XXXX Co ( XXXX ). They updated the report showing that it was a high balance of {$32000.00} but the balance on the account was {$13000.00} and that my last payment on the loan was XX/XX/XXXX, and listed the account as a charge off. This is completely inaccurate. I have never made a payment to this company. I never signed loan documents for the vehicle or with this company. They also listed the loan term of 66 months. I have no idea what the term may have been because I never signed a loan document. Also, based on their fraudulent update, they are stating that {$19000.00} was paid towards this fraudulent loan in 7 months. If this was true, how would the loan be eligible for a charge off? This company is a complete fraud, and has prevented me from being able to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: IN

Complaint narrative:
There are several inquiries on my report that I did not authorize.

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 2024-02-01 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: PA

Complaint narrative:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation.

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 2024-01-31 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: PA

Complaint narrative:
I found a number of mistakes on my credit report and I contacted Equifax in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issues, this is a clear violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NY

Complaint narrative:
Although all of my student loans have been transferred to XXXX, XXXX continues to report to Experian, et al. that I have open 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 explanation
Consumer complaint received 2024-01-31 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief