vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind accounts. No knowledge account. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information. I have enclosed a copy of my credit report and circled the fraudulent items on the report. I appreciate your prompt attention to this matter. Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 
XXXX XXXX XXXX XXXX XXXXXXXX **** Not my account. Please delete. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Not my account. Please delete. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Not my account. Please delete. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Not my account. Please delete. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Not my account. Please deleteXXXX XXXX XXXX XXXX XXXX XXXXXXXX Not mine account. Please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind accounts. No knowledge account. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information. I have enclosed a copy of my credit report and circled the fraudulent items on the report. I appreciate your prompt attention to this matter. Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 
CREDENCE RESOURCE MANAGEAcct # XXXX **** Not my account. Please delete. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Not my account. Please delete. 
CREDENCE RESOURCE MANAGE ACCT # XXXX Not my account. Please delete. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Not my account. Please delete. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Not my account. Please delete.XXXX XXXX XXXX XXXX XXXX XXXXXXXX Not mine account. Please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc.
State: MI

Complaint narrative:
My final payment that showed on Avant dashboard when logging in showed automatically withdrawn on XX/XX/2022 in the amount of {$440.00} as per every month was automatically withdrawn. It showed no additional interest or any other amounts incurred. So I reached out after I noticed on my consumers report showing a balance which I kept disputing with the credit agencies. Later I contacted Avant concerning the charges and they stated that it was interest when I made changes throughout the loan, which is untrue when I made changes they applied the interest and other charges incurred per month when they authorized the changes. I spoke with XXXX and also spoke with another representative XXXX, which I got no information on how or why this unscrupulous amount came to exist. I agreed to pay whatever interests that was showing on the date of XX/XX/2022, in which none was provided. Nothing was resolved and now the amount has increased. the interested and fees incurred while paying the loan was showing throughout, but now they're claiming that it shows after all my ACH transaction have been deducted from my account. If there was still a balance why didn't they keep deducting from my account is was on auto withdrawal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: DC

Complaint narrative:
Collection agency has been harassing me since XX/XX/XXXX. This debt was expunged from record by XXXX in XX/XX/XXXX. 
Same agency sends more notices but under different agency name, same phone numbers on letter. I called several time. They told me to send them copy of my insurance card that I have had since XXXX. I have XXXX and XXXX XXXXXXXX. I sent this to them by email. 
I have requested medical records from hospital and have never received my records. Requested in beginning of XXXX and called several times to follow up and see where are my medical records from XXXX for this bill they say I owe. Have received nothing by USPS. Nothing!!!! 
XXXX expunged this in XXXX. Completely removed! 
Now it is listed on my report again that I owe {$830.00}. 
XXXX ) Sent them collection agency XXXX card. 
XXXX ) Requested medical records by emailing and calling and spoke to person. Nothing has been received at all. 
XXXX ) I do not even know what I am being billed for since I have not received complete medical records from hospital. My insurance info was sent to collections. I do not owe this bec I have received nothing from hospital!!!! 
This fake debt was removed by XXXX in 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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I pulled a copy of my credit report and noticed inquiries I didnt recognize one from 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 2023-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
ON XXXX CONN CREDIT I, XXXX. CALLED MY PHONE NUMBER XXXX ASKING TO SPEAK WITH XXXX. I INSTRUCTED THEM TO STOP CALLING ME, THAT THIS PHONE NUMBER IS REGISTERED ON THE DNC REGISTRY AND HAS BEEN MY PHONE NUMBER FOR OVER 5 YEARS NOW. I ASKED FOR THEIR ADDRESS, AS IT IS MY RIGHT TO SEND THEM A DISPUTE LETTER IN THE MAIL AND THE AGENT REFUSED TO GIVE ME THEIR ADDRESS. THEIR AGENT TOLD ME IT WOULD TAKE UP TO 24 HOURS FOR THE CALLS TO STOP AND THAT I WOULD NOT BE CALLED AGAIN BECAUSE THEY MADE CONTACT WITH ME. THE USED AN ATDS TO PLACE CALLS TO ME. THIS IS ILLEGAL. THEY DID NOT GIVE ME THEIR LEGAL ENTITY NAME. THEY TOLD ME THEY WERE CALLING FOR CONNS XXXX, BUT CONNS XXXX SOLD OR ASSIGNED THE CONTRACT TO CONN CREDIT I, XXXX. I DISPUTE THIS DEBT, CONDUCT AN INVESTIGATION AND SEND ME RESULTS OF THE INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/23 I pulled my credit report and discovered that there was all kinds of outdated and incorrect personal information on there. I sent a letter to the 3 bureaus to remove it and they did not do it in the XXXX required days. Here is what I sent to all 3 : Dear XXXX Department : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next XXXX days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX, Florida XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

Thank you, in advance, for honoring my requests. Its my understanding that you have up to XXXX days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit reportshowing these changes mailed to XXXX XXXX XXXX, XXXX, Florida 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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/23 I pulled my credit report and discovered that there was all kinds of outdated and incorrect personal information on there. I sent a letter to the XXXX bureaus to remove it and they did not do it in the XXXX required days. Here is what I sent to all XXXX : Dear XXXX Department : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next XXXX days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX, Florida XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

Thank you, in advance, for honoring my requests. Its my understanding that you have up to XXXX days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit reportshowing these changes mailed to XXXX XXXX XXXX, XXXX, Florida 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 2023-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I assume an installment loan with Greensky LLC. program. The loan had a per Quiter  installment history payment plan. I have documents, contracts, and payment plans. 
That I agreed to but I am disputing the final payoff and the amount of overpayment They have charged me. To close out the loan, I sent them an additional {$2000.00}. to meet their demands. But My mortgage company sent them a final payoff amount of {$48000.00}. The total loan amount was XXXX. 
The loan was approved for XXXX. But I only needed XXXX for the dental implants. But before I used any of the loans. There was an introductory agreement that I pay XXXX for the first 6 months. The first 6 months was based on a XXXX loan. After that was paid, they would recalculate the remaining balance. Here is the below line : XXXX. plus XXXX plus XXXX The loan was only XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received at alert from Experian 's credit monitoring function to advise me that XXXX had reduced my available credit line on my XXXX branded credit card. This action can cause my XXXX XXXX to dip. I immediately checked and this was an error, so I attempted to utilize Experian 's online tool to open a dispute and correct my credit report. Upon submitting, the tool said my submission failed and that I either had to telephone or upload supporting documents. I attempted both. When I telephoned, the automated attendant stated that it was " unable '' to " find '' my XXXX account on my credit report. That makes no sense. Nevertheless, I proceeded to submit supporting documentation to evidence that my XXXX credit limit is {$7500.00} and received confirmation that my upload was successful. However, DAYS ARE PASSING and nothing has happened ; the erroneous information continues to be reported and Experian has not opened a dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: MA

Complaint narrative:
So this is kickoff, it advertises that you can get a line of credit and everytime you use that credit or use their debit service they will report that you have made a payment. Now with this credit it's in store credit which is never stated until after you have made an account. Now the is inaccessible most of the time and it only offers additional services that you have to pay for. It's not a real line of credit which is what was advertised. The other part is that I paid the first {$5.00} needed to start plus an additional {$5.00} for the following month. When I looked at my credit utilization it was at 7 % despite me never actually using any of their credit and paying in advance. When I connected them asking I got a very generic message that didn't answer my question as to why my credit was utilized and about the marketing issue. My credit has also gone down since I signed up with this service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have incorrect information displaying on my credit report from Experian XXXX XXXX. 

I have reached out on more than one occasion as well as sent dispute letters highlighting all the discrepancies. I was notified that they would investigate and upon completion of the investigation no changes were made to reflect to correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
In XX/XX/XXXX I entered into a trial loan modification agreement with XXXX XXXX. They had just purchased the loan a few months prior from XXXX XXXX. At the time, I was in the middle of a forbearance with XXXX which was at a standstill due to XXXX backup. I successfully completed the trial and was approved for the modification in XX/XX/XXXX and given a new payment amount. I've been making the required monthly payments since that time, however, my account online and with the credit reporting agencies show me significantly behind and inaccurate account balances. I disputed the information with the credit reporting agencies, and XXXX removed the account from my credit report. I am awaiting a response from the other XXXX. I've called numerous times to inquire about the delay, and I'm always told everything is complete on their end, however the " investor '' has to complete their part. I gather it's the entity hoping I default on my agreement so that they can benefit from the significant equity I currently have in the home. Also, the document reflecting the approved modification agreement is the only document missing from my document center online. Luckily, I had the foresight to request the document via email after several times I was told it was in the mail and I never received the hard copy. A couple days ago I called and stated I was getting an attorney involved due to the harm they are inflicting on my credit history, and today I received an email stating the modification is complete as of XX/XX/XXXX - today. This is contrary to what I've been told since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) XXXX The Furnishers / Credit Reporting agencies of the following accounts INQUIRIES : XXXX XXXX  XXXX. XX/XX/XXXX EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX have violated my rights . according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have incorrect information displaying on my credit report from XXXX XXXX Equifax. 

I have reached out on more than one occasion as well as sent dispute letters highlighting all the discrepancies. I was notified that they would investigate and upon completion of the investigation no changes were made to reflect to correct information.

Company response to consumer: Closed with explanation