vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: VA

Complaint narrative:
I have XXXX inquiries on my credit report that I did not authorize. Someone else added me as an authorized user to a credit card, I did not authorize this, nor had any knowledge of this. Now theres XXXX inquiries bringing down my score that I did not authorize. 
I contacted XXXX and had my name removed from the account, but the inquiries remained? It should not have been there in the first place. This is 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 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
This is for Paypal Special Financing which include no interest for certain period of time. Currently I have XXXX special financing items XXXX expire in XXXX & one expires in XX/XX/XXXX. From my online account I was wondering why my payments were not being applied to the special financing- I called Paypal Friday XX/XX/XXXX & spoke to both customer service & then I was told I then have to speak to computer center to have system updated & then they told me I have to talk again with customer service. I was never notified of the change in how payment allocation changed and there is no information on the paypal website to state their new policy. The new policy is after every payment a customer has to call in to make sure the payment is allocated correctly. This is absolutely ridiculous and that they can only go back up to 60 days of payments to have them applied to the special financing when all my payments from XXXX should have been going to the special financing. This is really a XXXX failure very unfair & deceptive practice. Today Monday morning XX/XX/XXXX I spoke with XXXX customer representatives XXXX XXXX & XXXX XXXX and then a supervisor XXXX XXXX via XXXX Chat from Paypal online account from approx XXXX - XXXX EST. Partial resolution only XXXX payments now allocated to the special financing. When all payments should have been allocated to the special financing.

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 2024-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Conn's, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I went into the Conn 's at XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I was looking to purchase a dishwasher. The customer service rep talked to me about financing. I applied for a credit card which was offered through XXXX XXXX. The rep told me the credit was declined but said I would be approved for the store financing. I left without accepting that offer and made no purchase. On XX/XX/XXXX I received an alert that a credit card was opened from XXXX XXXX. I believe they store is untruthful so that consumers will use their financing offer instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: NY

Complaint narrative:
While looking at my credit reports I have noticed the following account had a discrepancy in the " date of last activity '' as well as date opened section of the listing : This account has been illegally re-aged which as you know sets the credit reporting time over. This is a violation of the FCRA and the account neede on be deleted Immediately. 

Because of this apparent NEGLECT in your grave responsibility in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Westlake Services, LLC
State: CO

Complaint narrative:
In XXXX of XXXX I contacted a tax preparation service, XXXX XXXX XXXX XXXX, who told me that the fee for their services would be {$240.00} per month. I did not receive any services and canceled payments in XXXX of XXXX after paying {$1200.00} in XXXX months. I then received an email from Westlake Portfolio Management , Inc. requesting payment for a loan. I knew nothing about any loan, so I called them. Westlake referred me to an organization called XXXX XXXX. I called XXXX XXXX who told me that they have a copy of my drivers license and that I now need to call XXXX XXXX. XXXX XXXX referred me back to Westlake. I did not apply for any loan. I do not know the amount of this loan. I do not know the interest rate of this loan. I do not know the term of this loan. I did not sign for any loan. I have no paperwork referring to any loan. Therefore, any signature on this loan must be forgery. I reported this as fraud to my bank who will not pay the recurring attempts to withdraw {$240.00} from my account. A daily attempt continues to withdraw {$240.00} which is declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
On XXXX XXXX XXXX XXXX tax office in Alabama called to inform me that my property tax was delinquent and my taxes haven't been paid. I am currently contacting Pennymac that is my loan holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On the date of XX/XX/XXXX an account with Ally Financial was opened account was listed as charged off for {$29000.00} listed as past due XX/XX/XXXX. Also with this company an account was open on XX/XX/XXXX and listed as charged off for {$610.00} written off as past due XX/XX/XXXX With XXXX XXXX XXXX an account was opened on XX/XX/XXXX listed as charged off for {$27000.00} written off XXXX past due XX/XX/XXXX With XXXX XXXX XXXX XXXX opened XX/XX/XXXX an open balance for {$5200.00} and a past due balance of XXXX on XX/XX/XXXX was listed

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 2024-03-11 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:
I have requested Mutiple times for credit report to be corrected. The companies are submitting their report filings to either delete or update a trade line and Equifax and XXXX does not comply. All three reporting agencies report different and is not correct. 

Accts where I have resolved by paying off is not updated on Equifax or XXXX. 


XXXX XXXX- Resolved and reflect & {$0.00} balance on XXXX but not Equifax or XXXX . 
XXXX XXXX- Received a letter from the creditor that is deleted from tradeline. 

There are accounts that reflects that have not been reported since XX/XX/2023 XXXX XXXX- reflect incorrect balance reported on XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
A credit report was ran for pre approval of a home loan. There is an account in collections from Credit Control Service in the amount of {$89.00} for an account originally with XXXX XXXX XXXX. This account went into collections on XX/XX/2024. After reaching out to XXXX, they have no record of me having an account with them, or collections. After contacting Credit control service, I was informed they do not deal with XXXX as a client and have no account

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-11 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: CA

Complaint narrative:
XXXX XXXX  ( XXXX XXXX XXXX ) has been paid in full on my account XXXX as of XX/XX/24. I disputed the charge with XXXX, and XXXX is reporting as of XX/XX/24 that my balance owed is {$3800.00} when, in fact, my balance on this account is XXXX dollars.

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 2024-03-11 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: CA

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX ) has been paid in full on my account XXXX as of XX/XX/24. I disputed the charge with XXXX, and XXXX is reporting as of XX/XX/24 that my balance owed is {$3800.00} when, in fact, my balance on this account is XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: CA

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX ) has been paid in full on my account XXXX as of XX/XX/year>. I disputed the charge with Experian, and XXXX is reporting as of XX/XX/year> that my balance owed is {$3800.00} when, in fact, my balance on this account is XXXX dollars.

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 2024-03-11 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-11 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: LA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account : XXXX XXXX XXXX XXXX USE Per FCRA as a federally protected consumer. All information on my credit report must be in line with other consumer reports.

The above account is not reported accurately on my report.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: WA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S.Code 1681ie ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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:
XXXX XXXX XXXX XXXX - I HAVE PREVIOUSLY DISPUTED THIS ACCOUNT XXXX XXXX information on my credit report is not XXXX  XXXX compliant *Experian shows incorrect balance amounts *XXXX  shows date last active as XX/XX/XXXX, but Experian shows XX/XX/XXXX *XXXX  shows date of last payment as XX/XX/XXXX, but Experian shows XX/XX/XXXX *XXXX  payment history is different than payment history on Experian report NONE OF THIS MAKES SENSE - I'VE DISPUTED THIS SPECIFIC INFORMATION SEVERAL TIMES AND EXPERIAN CONTINUES TO RESPOND THAT THE INFORMATION HAS BEEN VERIFIED. IMMEDIATELY DELETE THIS ACCOUNT FROM MY EXPERIAN REPORT OR PROVE TO ME THAT EVERY PIECE OF INFORMATION EXPERIAN IS REPORTING IS METRO 2 COMPLIANT AND ACCURATE DESPITE THE FACT THAT I HAVE INFORMED EXPERIAN OTHERWISE MULTIPLE TIMES. XXXX. XXXX - XXXX I HAVE PREVIOUSLY DISPUTED THIS ACCOUNT *not Metro 2 compliant *XXXX shows date last active as XX/XX/XXXX, but Experian shows XX/XX/XXXX *XXXX  shows date of last payment as XX/XX/XXXX, but Experian shows XX/XX/XXXX AGAIN, NONE OF THIS MAKES SENSE. I'VE DISPUTED THIS SPECIFIC INFORMATION MULTIPLE TIMES AND EXPERIAN CONTINES TO RESPOND THAT THE INFORMATION IS VERIFIED AND ACCURATE. IMMEDIATELY DELETE THIS ACCOUNT FROM MY EXPERIAN REPORT OR PROVE TO ME THAT EVERY PIECE OF INFORMATION EXPERIAN IS REPORTING IS METRO 2 COMPLIANT AND ACCURATE DESPITE THE FACT THAT I HAVE INFORMED EXPERIAN OTHERWISE MULTIPLE TIMES.

Do not send me another stall letter advising that you can not prove my identity, as I have attached my credit report, drivers license, SS card and proof of address to this complaint. Immediately delete the items listed above from my credit profile, as I have requested disputed and requested a full verification of all information multiple times, yet the information continues to report inaccurately, which I have proven by also attaching my XXXX report, which is reporting different information than Experian despite multiple disputes as well. You don't get to just pick dates and information to report on my profile without confirming that they are accurate for years on end ... wasting my time, money, energy... .causing me higher interest rates and denied credit ... claiming you verify the information when you don't. DELETE THIS INFORMATION IMMEDIATELY SINCE YOU CAN NOT GET IT RIGHT AND FAILED TO DO SO FOR YEARS.

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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request

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 2024-03-11 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: IN

Complaint narrative:
Subject : Final Appeal To Remove Unauthorized Hard Inquiries from Credit Report. 
To whom it may concern, I told Equifax Credit Reporting Agency in my last correspondence on XX/XX/2024 that I did not recognized these Unauthorized hard inquiries on my credit report. I asked Equifax Credit Reporting Agency to remove them. I sent them all the proper documentation and several FTC reports to Equifax as they requested. and still refuses to ignore me trying to correct wrongs on my credit report. I have attached the final FTC Report for Equifax Credit Bureau. Equifax has continue to violate my consumer rights by ignoring and hanging up on me to try to rectify this ongoing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: WA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S.Code 1681ie ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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 am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R&M Marketing Associates LLC
State: SC

Complaint narrative:
I received a fraudulent mail requesting money for outstanding balance. I don't have unpaid outstanding debt with anything listed in this letter.

Company response to consumer: Closed with explanation