vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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, and I recently discovered an account on my credit report that does not belong to me. I request that this account be investigated and removed, as I should not be held responsible for fraudulent activity. account name XXXX XXXX XXXX XXXX account number XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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, and I recently discovered an account on my credit report that does not belong to me. I request that this account be investigated and removed, as I should not be held responsible for fraudulent activity. account name XXXX XXXX XXXX XXXX  account number XXXX or XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Hello On XX/XX/XXXX I made a online payment to Vystar to my XXXX of the amount of {$500.00}. 
I printed a confirmation also. The problem is that it still shows I have not paid. 

I talked to XXXX teller XXXX and she said she will pass the issue up the food chain.. 

My account now shows I am 16 day late. 

XXXX  account 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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: MA

Complaint narrative:
Dear Factor Trust XXXX XXXX XXXX XXXX, I am reaching out to request an update to the contact details listed in my public records. Specifically, I would like to ensure that my current phone number is correctly added or updated in your database. 

Phone Number to Update : XXXX For your convenience, I have attached the necessary documentation to verify both my identity and my phone number. If there is any additional information or paperwork required to process this update, please let me know. 

I would appreciate it if you could process this request promptly. Please confirm with me once the update has been successfully completed. 

Thank you for your prompt attention to this matter. If you need to contact me for further clarification, I am available by phone at XXXX or via email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My complaint is in regards to this company refusal to do anything to help when it came to an issue regarding an expired prepaid card that still contained funds. In XXXX of XXXX I was given a gift card for the amount of {$300.00} for helping out with a survey. The expiration date on the card listed XXXX. I attempted to use the card prior to the expiration date to pay an online lawyer but it would constantly give me an error when doing so. I then contacted the bank in XXXX of XXXX regarding this issue, they told em they would be giving em a XXXX prepaid card with the {$300.00} loaded on it. When I received the new card I attempted to use it once again but was getting the same error. When calling them back again they informed me that the funds had expired and that they had changed their mind refusing to do anything to resolve the issue. I then filed a complaint with the CFPB regarding this issue and got a call from soeme in their XXXX office but after verifying my information with them they hung up on me. Even in the company response all they did was give me a number to contact them, I have called that number several times and have been given no answer back. I need for them to make it right and reissue the card with the {$300.00} on the card. This issue was never resolved by the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: LA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NC

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
Due to the current economic circumstances I applied for an emergency loan. On the initial call to provider I was advised that I could call in early and not be subject to the interest fees. When I called back XXXX weeks ago I could not avoid the interest with paying off early and also how none of my payments were going to the principal balance. I was advised the majority of payments are paid to the interest vs the principal balance and that's just how they do business. Making it impossible to pay off early so your locked into having to go the full term of the loan with no other options. THIS WAS MADE HIDDEN FROM THE CONSUMER DEEMING THIS PREDITORY LENDING PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
When I checked my credit report today, I discovered inaccurate accounts listed, and Im utterly confused about why theyre there. I usually monitor my credit report, and its always been fine until now. I refreshed my browser multiple times, hoping it was just a glitch, but the errors didnt disappear. Im begging for your help to look into the documents I provided and fix this issue so I can stop worrying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: LA

Complaint narrative:
In XXXXXXXX XXXX XXXX XXXX has placed a charge off on my Experian, XXXX, and myXXXX XXXXXXXX consumer report. According to the XXXX a charge off is considered a certificate of indebtedness which means it is defined by the XXXX as income and income can not be reported to a consumer 's report. This charge off must be removed from my consumer report 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 2024-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FlexShopper, Inc
State: LA

Complaint narrative:
In XXXX I did business with Flex Shopper, I was furloughed from the job, that I had at the time. Flex shopper sold my account to XXXX and I called they do not recall who they are, and do not know what flex shopper was I called the Attorney General, gave them my information they too do not know what is going on. They have threatened to garnish my wages or put me in jail. They also wanted me to ask family, coworkers or friends for XXXX they also wanted me to pay XXXX to start biweekly. They also mentioned that they are going to pursue since it's the end of the month, I haven't been paying them because I can't find any information on this debt collection agency they call from any other number that's associated with them. They have me scared and confused to where I became irrational.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: World Acceptance Corporation
State: LA

Complaint narrative:
I paid a settlement debt of XXXX dollars to world finance. They promise to email me my statement and to delete this off my credit report.However, it keeps popping up not paid on my credit report and showing the XXXX dollars balance which was owed.They will not give me a statement saying it was settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: VA

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Since XX/XX/year> to XX/XX/year> i have sent certified mail to Equifax : disputing an Account on my Credit Report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX who's phone number is : XXXX, that says on my credit report the Account has been charged off with the following account number : XXXX XXXX, which doesn't have an account closed date, XXXX has XXXX XXXX XXXX XXXX with no address and no number on the report it also says the Account has been Charged off and closed on XX/XX/year>, Account number : XXXX xxxxxxxxxxx, And Finally on the XXXX XXXX Credit Report the Account status is : Unknown with a closed date of XX/XX/year> with no address and no number on file, Account number : XXXX xxxxxxxxx, this Company has not Shown proof this account belongs to me and has not furnished a Contract for over 1 year. I demand these accounts be removed immediately from the report i also have filed an ( FTC Report Number XXXX ) about this issue FTC Report Number XXXX Also on the XXXX XXXX Report : XXXX XXXX XXXX Account Status Unknown Account number : XXXX with no known address and no phone number and XXXX XXXX Account Status Unknown, Account Number : XXXX with no known Address and no phone number. 

FTC Report Number XXXX, I Demand All Credit Bureaus Remove these accounts from my Credit report immediately. according to the FCRA Act : Fair Credit Reporting Act Section : 605 B Fair Credit Reporting Act Section 609 E Fair Credit Reporting Act Section 611 The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Since XX/XX/year> to XX/XX/year> i have sent certified mail to XXXX : disputing an Account on my Credit Report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX who's phone number is : XXXX, that says on my credit report the Account has been charged off with the following account number : XXXX XXXX, which doesn't have an account closed date, Experian has XXXX XXXX XXXX XXXX with no address and no number on the report it also says the Account has been Charged off and closed on XX/XX/year>, Account number : XXXX xxxxxxxxxxx, And Finally on the XXXX XXXX Credit Report the Account status is : Unknown with a closed date of XX/XX/year> with no address and no number on file, Account number : XXXX xxxxxxxxx, this Company has not Shown proof this account belongs to me and has not furnished a Contract for over 1 year. I demand these accounts be removed immediately from the report i also have filed an ( FTC Report Number XXXX ) about this issue FTC Report Number XXXX Also on the XXXX XXXX Report : XXXX XXXX XXXX Account Status Unknown Account number : XXXX with no known address and no phone number and XXXXXXXX XXXX Account Status Unknown, Account Number : XXXX with no known Address and no phone number. 

FTC Report Number XXXX, I Demand All Credit Bureaus Remove these accounts from my Credit report immediately. according to the FCRA Act : Fair Credit Reporting Act Section : 605 B Fair Credit Reporting Act Section 609 E Fair Credit Reporting Act Section 611 The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the 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 explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Reference File # XXXX, XXXX XXXX sent proof of cancellation XX/XX/year> and account has {$0.00} owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief