vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
RE : XXXX BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the XXXX that are being challenged XXXX  - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the XXXX that are being challenged XXXX  XXXX NA - XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION 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 2024-07-25 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
Dear CFPB Representative, I am writing to follow up on my previous complaint against United Credit Bureau ( UCB ) and to address their response which claims that they have attempted to contact me multiple times without receiving a return call. 

Summary of My Communication Efforts : XXXX. XX/XX/XXXX : I called UCB and they agreed to send a written agreement offering a 30 % discount and to notify credit agencies upon payment. I followed up with an email the same day but did not receive a response. 
XXXX. XX/XX/XXXX : UCB called and offered a 35 % discount but refused to provide a written agreement as previously discussed. I insisted on receiving the agreement in writing before making any payment. 
XXXX. XX/XX/XXXX : I received a letter from UCB with a deadline of XX/XX/XXXX, which had already passed. The letter contained inaccurate information about the provider name and account reference number, and it did not include the written agreement to notify credit agencies. 

Refusal to Answer Calls : UCB claims that they have attempted to contact me multiple times. Given their previous aggressive and bullying tactics, I no longer feel comfortable answering their phone calls. I have explicitly requested written communication to ensure all terms are clearly documented and to avoid further harassment. 

Discrepancies and Misleading Practices : UCB has repeatedly failed to provide the promised written agreement. 
The letter received contained incorrect information and was sent with a deadline that had already expired. 
Despite their claims, I have not received the necessary written documentation to proceed with payment. 

Requested Actions : I respectfully request the CFPB to : 1. Investigate UCBs practices and ensure compliance with all relevant consumer protection laws.

2. Require UCB to provide a written agreement that clearly outlines the terms of any payment arrangement, including the commitment to notify all credit agencies that the debt is paid in full.

3. Address the discrepancies in provider names and account reference numbers to prevent any potential errors in my credit report. 

Thank you for your assistance in this matter. Please let me know if you require any additional information or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
15 USC 1681 ( a ) 2 ALSO I am writing to formally CONTINUALLY dispute an inaccurate entry on my credit report. The entry in question is a charge-off from XXXX 's XXXX Synchrony Bank with a past due balance of {$2300.00} Account Number XXXX. This information appears on my credit report with XXXX, XXXX, XXXX, and XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. I believe the reporting of this charge-off is inaccurate and does not meet these standards for the following reasons : I have not received a 1099-C form from XXXX 's XXXX Synchrony Bank, which would indicate a cancellation of debt. The absence of this form raises questions about the legitimacy and accuracy of the charge-off reported. 
The balance and status of this account may not accurately reflect the current situation. 
I request that you remove the inaccurate information on my credit report. Please provide me with written documentation of your findings and the deletions made to my credit report. 

This is an ongoing issue with Syncrony/XXXX  XXXX . Income should not be reporting on Consumer Reports.

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 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On or around XXXX XXXX I tried to use my Citi card for an online car rental reservation which led to a Fraud Alert call. Apparently the card was being flagged as it was being added to an XXXX XXXX, something I had not tried to do. As a result that card was cancelled and a new one was issued per the representative I spoke with. I left out of the country on the XXXX and returned home Sunday XXXX XXXX. 

On the XXXX I received a fraud alert call which led us to learn that my replacement card I never received was being used. I dedicated XXXX hours between XXXX and XXXX that night to assist with marking all the charges as fraudulent and to ensure the card was cancelled. Due to the amount of time spent on the call I was informed I would have a new card delivered to my home via FedEx as well as a gift card of {$100.00} for my time. 

Yesterday, XXXX XXXX, I receive another call at XXXX from a " supervisor '' advising that apart from the transactions addressed the evening before, there was also balance transfers attempted and also needed to be marked as fraudulent. I provided all the required authorization and the representative claimed he would take care of it and reach out in case of any further questions. This after receiving poor treatment from the representative ( recorded call - pull tapes if desired ). 

Today is the XXXX and received yet another call to learn that the card that was flagged as fraudelent 2 days ago remains active and that new charges were made using that card. This makes me wonder the integrity in which my account is being handled by Citi seeing as the card should have been cancelled the moment I confirmed the first fraudulent card. When asked today where to send the replacement card, I also raised the flag with them considering the " replacement '' was meant to be on its way 2 days ago and wonder now if/when I might receive that one. As a result, I opted out on having them send a replacement card today and went ahead and requested my account be permanently closed since I can not trust Citi is a right fit for my financial needs due to their mishandling of my case as well as mishandling my time which is of more value.

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
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/year> I received an alert from XXXX and many other credit monitoring companies there was a collection that hit my credit. I located the number on the XXXX report, and I contact the company. I spoke with rep XXXX XXXX and he was extremely rude. I asked him why I didn't receive a communication from the company in regard to this collection before placing it on my credit? He explained because the company TransWorld didn't purchase the collection they inquired it. Which means nothing, per the Fair Debt Collection Practices Act requires the agency to send a written notice within 5 days of first contact, which is a debt validation letter and that was not done. Also, this company doesn't have a license to collect within the State of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: DISCOVER BANK
State: NJ

Complaint narrative:
Hey my name is XXXXXXXX XXXX XXXX XXXX. i never open the discovery credit card at all. they sued me and take me to court, it said it my responible for it but i tried explain to them i never open at all and i really dont know who open or used the card. i have been trying hard to fix this problem and solved it. i want them remove all amount and closed the account. i also want they removed off credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax is holding my report XXXX and will not let it be pulled. I have called 5-6 times and Everytime they tell me it's fixed and it's not. Today the gal told me that it's wasn't them it's my mortgage company and not Equifax. I avides that I tried pulling myself in Equifax and they blocked it. She said no it's not their fault and she wouldn't escalate anything. I've been trying for over 2 weeks to get the report to release and Equifax will not release it. I've very upset as I get charged Everytime my mort company attempts to pull. This is causing a big issue for me because I'm trying to get approved for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-07-25 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-07-25 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: ND

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
Your company is in violation for furnishing inaccurate information to the credit reporting agencies. Account XXXX is showing inconsistent information in the payment history that is reporting. Where XXXX bureau shows 60 days late, another bureau shows that the account was paid on time. Furthermore, there can not be a XXXX late reporting without any prior late payments reporting ; this is a violation of the FCRA. I contacted the credit reporting agencies, and they informed me that your company verified that this account is accurately reporting. How can this be when there are obvious discrepancies? Please see the attached account and remove the erroneous information you are reporting. Please note that this account has been satisfied and I do not owe your company anything. Moving forward I will have no choice but to pursue legal action due to your negligence in reporting. I take my credit very seriously and I should not have to suffer due to your mishaps. I will seek relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Enclosed with this letter is the true bill documenting the violation of the aforementioned account. Please remit payment to the address listed on the invoice and remove the late payments on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CA

Complaint narrative:
In XX/XX/XXXX, I reached out to my mortgage company for possible assistance with my mortgage payment. I was divorced in XXXXXXXX XXXX XXXXXXXX and lost a substantial amount of my income. However, my mortgage payment was NEVER late. It has been on time every month since XX/XX/XXXX. In XX/XX/XXXX, the mortgage company said they could help me with a partial claim modification. They sent me the information requiring certain documentation on XX/XX/XXXX ( I have attached that paperwork for reference ). On XX/XX/XXXX, I was sent paperwork stating that I was approved for a modification trial period ( I have also attached that for reference ). The agreement was to make modified payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. If all payments were made on time then the mortgage company would approve the modification and I would move forward with a lower payment. All payments were made on time. The payment for XX/XX/XXXX was made XX/XX/XXXX and was NOT reported to the credit bureaus as late. The payment for XX/XX/XXXX was made XX/XX/XXXX and WAS REPORTED AS LATE to the credit bureaus. The payment for XX/XX/XXXX was made XX/XX/XXXX and WAS REPORTED AS LATE to the credit bureaus. I have attached the payment history for reference as well. I have also attached the final loan modification paperwork from the mortgage company stating that all payments were made on time and my modification has been fully approved. The entire reason I reached out to the mortgage company for help was so that I didn't run the risk of not being able to make a payment on time and having it affect my credit. I did everything like I was supposed to and I was STILL reported late. I do not feel this is fair because now these two late payments that were not late have been reported to my credit and my scores have gone down significantly. I have worked very hard to try and clean up my credit and this just put me right back where I started. I have reached out to the credit bureaus and have disputed these late payments and no change has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: Westlake Services, LLC
State: MD

Complaint narrative:
I got this loan to pay for school in 2021 paid this account off way before the time it needed to be paid off. Its showing I have late payments and marking the closed paid off account as a derogatory, which is hurting my credit and my chances to buy a home. I have requested them many times to remove the derogatory marks that I was never aware of and as well as delete the accounts off my credit report. Ive 2 accounts with them 1 personal loan and 1 auto loan and because of them Im not able to get a good apr on a house Im willing to buy. Please have them delete both of the accounts on my credit report or have them remove all the derogatory delinquency mark off of my credit report. Thank you, I need to updated as soon as possible as Im bout to finish my lease and almost finalizing a mortgage.

Company response to consumer: Closed with explanation