vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
In XXXX, XXXX increased my wifi bill without your consent or prior notice. After informing a representative that I no longer wished to continue services, they continued to charge me and mentioned that my bill would reduce upon returning the equipment. 

On XX/XX/year>, I physically returned the equipment to XXXX 's store location in XXXX, GA, on XXXX XXXX, and received a confirmation receipt for the return. They credited my account with {$150.00} as a balance adjustment for returning the equipment. 

However, even after this credit was applied, I received a notification on XX/XX/year> stating that I had an account balance of {$150.00}, which had been sent to collections due to non-returned equipment. Upon contacting XXXX, a representative acknowledged the error on their end and mentioned that they would create a case to resolve the issue. 

Unfortunately, this situation has caused setbacks to my future plans. Additionally, when I paid the remaining balance for their service, XXXX took the payment and applied it towards the collection amount, which was unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Just moved to XXXX XXXX Before then I have other addresses that do not register to me ( I have been trying to dispute the addresses to be Removed as well but he ask me for personal information amd i just answer it but most if the addresses arent mine ) they are just a few addresses that are Facts .... 
I have not done any applications for XXXX XXXX XXXXXXXX XXXX  XXXX and many more And there XXXX several more on my name that I have not applied for or had any interest in ***XXXX XXXX  is the only one that should be on my my name since XXXX I need everything deleted and removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
On XX/XX/year> I submitted a dispute to XXXX, Equifax and XXXX to dispute inaccurate information on my report. after XXXX  days and no response I contacted each credit reporting agency to ask if they received my dispute. They all confirmed that they did not receive my dispute even though I have proof and tracking that each company did indeed receive my dispute letters. I have attached the tracking receipt with the dates and addresses of the companies. I ask that someone hold them accountable for not taking this matter more serious I have several items that need attention on my report and it has now been XXXX months since I first started this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: MS

Complaint narrative:
This account is showing a late payment for XX/XX/year>. I never been late on this account. The payments are {$20.00} a month and is a charge account for the betterment of your credit. However it is the opposite. Please remove late payment or delete account entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Whenever Transunion prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If the completeness or accuracy of any item of information contained my file at a consumer reporting agency is disputed by me and I notify the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from me. Any person who willfully fails to comply with any requirement imposed under The Fair Credit Act with respect to me is liable to me in an amount equal to the sum of any actual damages sustained by the me as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. A person shall not furnish any information relating to me to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Reporting information after notice and confirmation of errors. A person shall not furnish information relating to me to any consumer reporting agency if the person has been notified by me, at the address specified by the person for such notices, that specific information is inaccurate ; and if the information is, in fact, inaccurate. Which it is as evidenced by CFPB complaint # XXXX where entries were removed due to it being inaccurate by XXXX. Transunion not only continued to report inaccurate information but updated the information to show accounts closed as of XX/XX/year>, after my initial dispute which is absolutely inaccurate. I have suffered injury due to them continuing to report inaccurate information. When I reached out to the again, instead of them reinvestigating they send me a letter. There are major discrepancies with the credit agencies reports. I have provided proof of how they do not match up due to inaccurate reporting. It has been well over 30 days. I want the inaccurate information, any discrepancies disputed removed. When requesting they provide how they came up with the end result that differed from another agency, I was not mailed anything but my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XXXX XXXX XXXX  and XX/XX/year>, I submitted a formal dispute to Experian regarding an incorrect items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TX

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account [ account number XXXX ] that was in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

l 'm now requesting you Investigable and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give 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 non-monetary relief
Consumer complaint received 2024-06-25 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: NY

Complaint narrative:
I recently received my credit report and noticed an account that was not reporting accurately. I had two late payments on an account [ account number XXXX ] that was in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

l 'm now requesting you Investigable and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX, an personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an cellphone account XXXX XXXX on XXXX XXXX under account number XXXX, and an auto loan XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In XXXX I made a down payment of {$430.00} for a luxury vinyl flooring for my living room together with another down payment for finishing my basement. The constructor, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) didnt show up multiple times without notice, took almost 3 months to complete the basement. I had a conversation with him, telling him I couldnt wait any longer for the flooring in my living room and he assured me he wouldve given me back the down payment. Since I didnt trust him, based on his unprofessional behavior, I submitted a dispute with my bank, Wells Fargo XXXX After a while I got a letter from Wells Fargo, stating they denied my claim. I called them and I was told XXXX XXXX submitted documentation about the down payment not being refundable. I then contacted XXXX XXXX asking him an explanation and he made false claims saying he had to purchase the materials and he showed me options, which is not true, since he wasted time the first day he started working on the basement, to go to XXXX to buy the flooring and other stuff for the basement only. He never purchased anything for the living room flooring.Also XXXX XXXX was supposed to remove rocks from a patio he built in my backyard since he didnt submit the permit to the HOA. I am still waiting for that.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: ME

Complaint narrative:
Upon getting an auto insurance quote from XXXX, I was told XXXX  XXXX had an accident reported on XXXX on my driving record ; Reference # XXXX. 
I never had any accident or was in an accident on XXXX in any vehicle. This erroneous claim made my quote go from {$370.00} full coverage to {$480.00} every XXXX months. I have contacted lexisnexis requesting this consumer report today XX/XX/year>. I am extremely upset because this affects my insurance quotes as well as my personal credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me XXXX  They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me XXXX. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-06-25 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: TX

Complaint narrative:
I have sent multiple dispute letters regarding inaccurate information on my credit report, but the results remain unchanged. Recently, I conducted an investigation on my credit report, which caused severe XXXX and discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to report with 100 % accuracy. 

According to the Fair Credit Reporting Act, all information on my credit report must be reported with complete accuracy. The accounts in question violate FCRA regulations, specifically under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ), which mandate accurate reporting. 

Attached are copies of all correspondence I have previously sent. I urge your agency to promptly rectify these errors and ensure that my credit report reflects accurate and verified information as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
I received a statement from Kia Finance dated XX/XX/year>, stating that I owe a past due amount of {$320.00}. I requested the payment history for the entire period I have financed my vehicle, from XXXX to XXXX ( 5 months total ). After calculating my total payments to date, I verified that I've made payments exceeding the minimum required for the 5 months. The total payments made are {$4600.00}, which is {$1000.00} more than the minimum required. Therefore, I do not owe the amount they claim. When I spoke with the representative, she mentioned that the payments might have been misallocated to the wrong month but did not attempt to rectify the collection issue, simply stating that I still owe the amount. I asked her to review my payments and ensure they are correctly allocated to show that I don't owe {$320.00}, but she said she was unable to correct the issue. I requested to speak with a supervisor several times, but was told that the supervisor was not available.

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 2024-06-25 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: OneMain Finance Corporation
State: TX

Complaint narrative:
Credit inquiries were put on my credit report without my permission. 

ONEMAIN Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXXXXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/year> and XX/XX/year>, I submitted a formal dispute to Transunion regarding incorrect items on 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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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