vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: NY

Complaint narrative:
Fraudulent accounts are on my credit report that is damaging my score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I received XXXX late payments for XXXX, XXXX! However i never received a statement nor bill 21 days prior to the due date per 15 USC 1666B! I Contacted Victoria Secret numerous times and finally got the to update my address they stated everytime that they were having issues with my account and on the XXXX time i finally got someone to uodate the address! This was totally unfair and inaccurate because i also had automatic bill set up the entire time i had my account with them! please help me because they are ruining my chance at getting my first home! THANK YOU Very Much for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: UT

Complaint narrative:
I am formally file a complaint regarding the inaccurate reporting of late open accounts on my credit file. Despite many numerous attempts to rectify this issue, the accounts in question continue to appear as late, significantly impacting my credit score and financial reputation. 

Despite my efforts, the late open accounts persist on my credit report, causing unwarranted damage to my creditworthiness and hindering my ability to access favorable financial opportunities. This situation has caused me considerable stress and frustration, as it undermines the integrity of the credit reporting system and unfairly penalizes me for inaccuracies that are beyond my control. 

I urge you to investigate this matter promptly and take immediate action to correct the errors on my credit file. Additionally, I request that you provide me with a written explanation of the steps you are taking to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Furthermore, I expect to be compensated for any damages incurred as a result of these inaccuracies, including any fees associated with credit monitoring services or adverse effects on loan approvals and interest rates. 

Please treat this complaint with the utmost urgency and provide a timely response. Failure to address this matter satisfactorily will compel me to escalate my complaint to the appropriate regulatory authorities and explore legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.

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 2024-03-05 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio recovery placed a ( collections ) on my consumer report without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: UT

Complaint narrative:
I am formally file a complaint regarding the inaccurate reporting of late open accounts on my credit file. Despite many numerous attempts to rectify this issue, the accounts in question continue to appear as late, significantly impacting my credit score and financial reputation. 

Despite my efforts, the late open accounts persist on my credit report, causing unwarranted damage to my creditworthiness and hindering my ability to access favorable financial opportunities. This situation has caused me considerable stress and frustration, as it undermines the integrity of the credit reporting system and unfairly penalizes me for inaccuracies that are beyond my control. 

I urge you to investigate this matter promptly and take immediate action to correct the errors on my credit file. Additionally, I request that you provide me with a written explanation of the steps you are taking to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Furthermore, I expect to be compensated for any damages incurred as a result of these inaccuracies, including any fees associated with credit monitoring services or adverse effects on loan approvals and interest rates. 

Please treat this complaint with the utmost urgency and provide a timely response. Failure to address this matter satisfactorily will compel me to escalate my complaint to the appropriate regulatory authorities and explore legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance : {$250000.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.

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 2024-03-05 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: UT

Complaint narrative:
I am formally file a complaint regarding the inaccurate reporting of late open accounts on my credit file. Despite many numerous attempts to rectify this issue, the accounts in question continue to appear as late, significantly impacting my credit score and financial reputation. 

Despite my efforts, the late open accounts persist on my credit report, causing unwarranted damage to my creditworthiness and hindering my ability to access favorable financial opportunities. This situation has caused me considerable stress and frustration, as it undermines the integrity of the credit reporting system and unfairly penalizes me for inaccuracies that are beyond my control. 

I urge you to investigate this matter promptly and take immediate action to correct the errors on my credit file. Additionally, I request that you provide me with a written explanation of the steps you are taking to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Furthermore, I expect to be compensated for any damages incurred as a result of these inaccuracies, including any fees associated with credit monitoring services or adverse effects on loan approvals and interest rates. 

Please treat this complaint with the utmost urgency and provide a timely response. Failure to address this matter satisfactorily will compel me to escalate my complaint to the appropriate regulatory authorities and explore legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance : {$250000.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 XXXXXX/XX/XXXX

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 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I detected fraudulent accounts that were not a result of any error.

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 2024-03-05 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/XXXX i purchased a vehicle from a company called prime time auto leasing. I sent a one time payment of {$1500.00} which went through. I then tried to send a different payment of {$1500.00} which was blocked from bank due to suspicious activity. I called and let them know that it was me making the transfer. They let me know that I was already charged for the blocked money transfer and that the charge of {$1500.00} was pending on my account and that they could provide me with a temporary debit while they canceled the charge. Then on XX/XX/XXXX the charge that was supposed to be removed got posted on my account. I called my bank and made a dispute and now almost a month later XXXX XXXX They have denied my claim even though on multiple occasions and with multiple chime supervisors that have agreed that error was made on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NV

Complaint narrative:
XXXX XXXX from CBE Group called from XXXX regarding their XXXX Credit Card in my name going to collections for a balance due of {$6100.00}. Gave me the number of the main office located in Iowa as : XXXX. 
Wanted me to verify my address as : XXXX XXXX XXXX. 
XXXX, NY XXXX. 
I was unable to verify that as we live on the western side of the USA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

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 2024-03-05 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one placed a ( collections /charge off ) on my consumer report without my written consent or instrusctions nor did they provide Full disclosure prior to making such report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

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 2024-03-05 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: TX

Complaint narrative:
We leased a XXXX lead in XXXX in XXXX XXXX. In XXXX, we chose to trade in the leaf for an XXXX. We did the trade at XXXX in XXXX XXXX. A few months later, we noticed that it continued to report as opened. We have made MULTIPLE attempts to have this information be recorded ACCURATELY. At this time, our report is not accurate in reference to this account. Why would we still be paying for a lead for 8 years? So even if they claim its accurate, we dont even have the car in our possession. We also have a representative ( employee at XXXX XXXX XXXX ) who has also been trying to get this information recorded accurately. All to no avail!

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 2024-03-05 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: CA

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: CA

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX | XX/XX/XXXX XXXX XXXXL | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX

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 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Im made three transactions for a rental property on XX/XX/XXXX, XXXX, and XXXX, in the amount of {$1300.00} ( total {$4000.00} ). The listing was fake. I made the payments through XXXX @ ( XXXX ), in which went to a Chase bank account. I have submitted evidence of Scam to my bank ( XXXX  XXXX XXXX ). Chase bank claims they cant not return my funds, even after proof of Scam from account holder has been submitted. My bank has informed me that Chase Bank replied to my claim, they cant release any other info to me, and they denied request to have funds sent back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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 XXXX reports are inaccurate. These inaccuracies are causing XXXX to deny me XXXX. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future XXXX.

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 2024-03-05 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 XXXX reports are inaccurate. These inaccuracies are causing XXXX to deny me XXXX. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future XXXX.

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 2024-03-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
Block and remove the XXXX account listed below, as mandated by law and the FCRA. Failure to comply within XXXX XXXX days will result in XXXX XXXX, and I do not consent to XXXX XXXX methods. I expect prompt resolution and acknowledgment of this matter. XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2006 Balance {XXXX Please delete this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: Nelnet, Inc.
State: LA

Complaint narrative:
Nelnet has placed XXXX accounts on my XXXX report with a ( XXXX XXXX ) status. Nelnet has never disclosed to me that such report will be placed on my XXXX report nor did I receive a notice regarding this.

Company response to consumer: Closed with explanation