vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
This complaint is reference to inaccurate information that is currently been reported to my credit report. I reach out to this company ( Exeter finance llc ) serveral time to correct this issue of inaccurate repossion in remove it from my report in this complaint I submit to consumer financial protection bureau the police report to show that the car was stolen in recoverd by ( Exeter Finance LLC ) is not repossessed in fact this company failed to contact me once the vehicle was recoverd which is clear breech of are payment aggrement prior to the vechicle being stolen request the CFPB investigate this matter this company is clearly in violation of said statues in law s15 USC. 1692j / 15 USC.1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had contacted Experian report # XXXX regarding information they are reporting and they did not provide me proper notification according to 15 U.S. Code 6802 and they refused to provide me with any proof that proper notification was made 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 explanation
Consumer complaint received 2024-03-01 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Unauthorized inquiry CBNA XX/XX/23.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: WA

Complaint narrative:
I have entered into contact with PHFA post the payoff of the mortgage amount. I realized that I was missing 1098 forms, and subsequently, once seeing the forms that were provided, I am missing all access to prior statements. The statements are needed so that I can review the transactions and payments toward escrow ( PMI and hazard insurance ), year over year. I made clear that I am in need of this information, in whatever format that could be provided would be appreciated. We went back and forth multiple times, where the customer service representative was resistant and against providing the requested documentation. These interactions occurred by email through PHFA 's secure portal, between XX/XX/XXXX and XX/XX/XXXX. I am still in need of this documentation from XXXX through XXXX. The documents are required for my proper accounting of taxes regarding the payments, to ensure that the documentation is correct for the sale of the home this year. No action has been taken by PHFA to rectify or attempt to understand the request to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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:
I kindly ask for your utmost attention and urgency in addressing this dispute, as the incorrect information on my credit report is adversely affecting my financial well-being. I request that you provide me with a written response detailing the results of your investigation, along with a corrected credit report reflecting the removal of the disputed entries. 
Thank you in advance for your cooperation, understanding, and prompt resolution of this matter. Should you require any additional information or documentation, please feel free to contact me at the above-mentioned contact details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: AR

Complaint narrative:
A credit card company incorrectly charged me money. During the dispute the account was sold to a 3rd party. The new company will not stop billing me, and has no interest in resolving the dispute. They submit negative reports on a regular basis. I have disputed with the credit agency, who has not removed or blocked the negative reviews.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This letter is a formal complaint that you have reported erroneous and incomplete credit information. I am concerned that you have included the following information in my credit profile and have failed to follow reasonable processes in your operations to ensure the highest possible accuracy in the credit reports you publish. Credit reporting rules require bureaus to provide only 100 % correct credit information. Every step must be taken to ensure that the information supplied is entirely accurate and proper. As a result, the following information requires more investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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 reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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:
I kindly ask for your utmost attention and urgency in addressing this dispute, as the incorrect information on my credit report is adversely affecting my financial well-being. I request that you provide me with a written response detailing the results of your investigation, along with a corrected credit report reflecting the removal of the disputed entries. 
Thank you in advance for your cooperation, understanding, and prompt resolution of this matter. Should you require any additional information or documentation, please feel free to contact me at the above-mentioned contact details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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:
I kindly ask for your utmost attention and urgency in addressing this dispute, as the incorrect information on my credit report is adversely affecting my financial well-being. I request that you provide me with a written response detailing the results of your investigation, along with a corrected credit report reflecting the removal of the disputed entries. 
Thank you in advance for your cooperation, understanding, and prompt resolution of this matter. Should you require any additional information or documentation, please feel free to contact me at the above-mentioned contact details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal debit my account for {$250.00} on XX/XX/XXXX generate a negative balance, saying that I had a duplicate credit after I disputed a transaction with PayPal XXXX XXXXXXXX XXXX  on XX/XX/XXXX. I contacted both companies every day since XX/XX/XXXX with no help at all to resolve the issue, and each company do not have support about I own a duplicate credit, they just answer my complaint saying that the opposite company need to resolve the problem. Not sure how these two companies share information or do business together but they mess it up my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
YOU ARE REPORTING THIS COLLECTION AS AN " OPEN ACCOUNT AND 120 DAYS LATE WHICH IS NOT UNDER THE FCRA COMPLIANCE. THIS IS INACCURATE REPORTING AND IT NEEDS TO BE REMOVED IMMEDIATLEY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION IS DELETED AND REMOVED. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: SC

Complaint narrative:
This is ridiculous your client and I were already in a dispute because of actions that they took well they should have informed you. If they didn't that's on them you sent me too messages and im pretty sure I've told you to cease and desist and you complied but apparently you went out of your way to text me. This is harassment. I already have enough on my plate and on top of that suffering from a possible XXXX XXXX I would like to live my life in peace

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
These people have never sent me anything in the mail telling me they are suing me or anything else for that matter. As you know I am a victim of the XXXX XXXX XXXX and my Identity was stolen and accounts were created in my name and other cards I had paid off and closed out I found in XX/XX/23 were delinquent and I had judgements against me. There are ongoing criminal investigations and I question the legality and for sure the ethics of anyone who would sue a victim of a heinous crime like identity theft. These scoundrels are attempting to get a summary judgement on me and I have not even met any of them in court. Last I checked I had the right to face my accuser and due process. This is not my debt and they have yet to even provide me a complete account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it XXXX concern, This letter is formal notice that you have failed to respond to my dispute letter of XX/XX/year>. Included in the letter was my ID for verification of my identity, please avoid requesting such information- it will not be tolerated. 

In case you were unaware, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

As you are well aware, federal law requires you to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX, & CFPB. 

I am maintaining detailed records of all my correspondence with you. 

I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, and the dated receipt of your reception of the original letter. 

The following accounts needs to be deleted from my report as soon as possible due to your negligence : XXXX XXXX XXXX Account Number : XXXX Please delete these erroneous items from my credit report as soon as possible and send me a physical copy of my updated credit reports with the above items showing DELETED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: Contemporary Information Corp
State: AZ

Complaint narrative:
Rental report received by XXXX XXXX and there were inquiries needed to be disputed and were done so. The rental report was returned with all information remaining present and unchanged in any regard. The screening company utilized Contemporary Information Corporation to review the disputed information on report. The report was returned on Thursday, XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following disputed items : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: NCB Management Services Inc.
State: AR

Complaint narrative:
On XX/XX/2024, I requested proof that a loan is owed to the company of NCB Management Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX No response has come from the company and my Credit Report still reflects this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IL

Complaint narrative:
My identify has been stolen since XXXX with an SBA loan that was not mine. It was reported and disputed, and cleared. In early XXXX, another attempt and credit hit was reported for a rental property in XXXX XXXX  that was not mine. The apartment manager sent me the application documents and the ID she was using. She is a XXXX XXXX  using a fraudulent XXXX  ID with my name, address and social security number, along with someone else 's state ID number. I reported to XXXX Police but they did nothing but file an incident report. I found the address where she was residing with no luck from that local PD to arrest her. Today my credit report, which has a fraud lock on it, showed up with the debt collection of {$9600.00} for one month at XXXX XXXX XXXX XXXX in XXXX. This company did not issue a credit report it seems. This is not my debt and I Do NOT live in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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