vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: InDebted Corporation
State: IL

Complaint narrative:
On XX/XX/2023 XXXX added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX  Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Dferit\Indebted has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: NJ

Complaint narrative:
send them emails to verify those accounts but they never did any investigations on those accounts. they didn't verify me with anything or write me any letter with any kind of verification mail. I just checked my credit report and it shows nothing was done by the credit bureau. all my information is still there nothing has changed from the last letter i sent to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
send them emails to verify those accounts but they never did any investigations on those accounts. they didn't verify me with anything or write me any letter with any kind of verification mail. I just checked my credit report and it shows nothing was done by the credit bureau. all my information is still there nothing has changed from the last letter i sent to them.

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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I started a XXXX XXXX XXXXXXXX XXXX trial and cancelled shortly after due to the wife not liking it. It did not cancel. Appears hundreds of people are having the same experience. 
XXXX XXXX XXXXXXXX started billing me at the full price and continued to bill me for the following months below. The charges that appear are those that appear from my bank statement of credits and credit removals. ( They could not contact them either. ) Bank of America was requested to stop allowing the charges in XXXX, but did not. They have refused help performance of any kind. 
RE : Unlimited Cash Rewards Visa Signature XXXX XX/XX/16 XXXX XXXX XXXX XX/XX/16 XXXX XXXX XX/XX/16 XXXX XXXX XXXX XX/XX/16 XXXX XXXX XXXX XX/XX/16 XXXX XXXX XX/XX/16 XXXX Total {$460.00} In Fraudulent Charges In searching the web I found a lot of other people were having the same problem. It is not being cancelled after the trial period and there is no one to contact. 
Despite asking Bank of American to stop the charges after the first charge they refused saying I authorized it and continued to allow the fraudulent charges to occur for months after my request for a stop payment. 
Any possible help on this would be appreciated. Due to the large number of complaints this appears to be a significant problem with XXXX XXXX XXXX XXXX. 

Thanks, 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 monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I asked the consumer credit reporting agencies ( XXXX, XXXX, Transunion ) to please delete inaccurate information on my credit reports. The following dispute hasnt been deleted and came back verified information. According to law 15 USC 1681s-2, you are required to cease furnishing inaccurate information to consumer reporting agencies upon receiving notice of such inaccuracy. I am providing notice that the information that they provided is inaccurate and causing harm! IRS guidelines state that canceled debts should be reported as income not as debt on a consumer report. The definition of canceled debt as income is recognized by the IRS which contradicts the way this account is being reported. 

Accounts XXXX XXXX XXXXXXXX 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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
I have a collection account which still shows as a collection account but the account has been settled and closed from the collection company, account was settled for an amount and amount settled for paid-off in full and so collection should be removed from my record saying its a collection account and i still owe the account when I don't. 
collection account name : XXXX XXXX XXXX this account has been settled and paid-off

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 2023-11-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
I have a collection account which still shows as a collection account but the account has been settled and closed from the collection company, account was settled for an amount and amount settled for paid-off in full and so collection should be removed from my record saying its a collection account and i still owe the account when I don't. 
collection account name : XXXX XXXX XXXX this account has been settled and paid-off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On or around XXXX XX/XX/XXXX I filed complaint XXXX regarding an American Express account ending XXXX in my XXXX credit file XXXX As result, XXXX disputed the payment history. XXXX responded on or around XXXX XX/XX/XXXX claiming AMEX verified the prior payment history was being reported accurately. AMEX has been notified directly of the issue with the prior payment history on multiple occasions, the last of which was in CFPB complaint XXXX. AMEX provided a table of the payment history they are furnishing for the account in their XXXX XX/XX/XXXX response to CFPB complaint XXXX. That table shows payment history and payment status that any reasonable individual would conclude is false/misleading/inaccurate on its face. No account can change from being thirty ( 30 ) days to one-hundred twenty ( 120 ) days past-due over the course of a single billing cycle, ironically the number of days after-which AMEX would then be able to charge-off an account. Moreover, if AMEX alleges the account was charged-off on or around XXXX XX/XX/XXXX, then no reasonable individual would expect AMEX to furnish information claiming a Date of First Delinquency of XX/XX/XXXX, and reoport a charge-off for the first time neraly two ( 2 ) years thereafter in XX/XX/XXXX. By law, AMEX was required to report the status of the account to the CRAs with the correct delinquency information leading to charge-off not more than ninety ( 90 ) days after the change from balance to loss. Yet, that is not what the table of payment history AMEX provided indicates. It shows the status first reported XX/XX/XXXX. Just because AMEX verifies the information it is reporting is accurate doesn't make it accurate, especially if a reasonable individual can clearly examine the information and identify why the information being furnished is inaccurate. AMEX knows or has reasonable cause to believe the information it is furnishing is false/misleading/inaccurate. XXXX has a duty under the FCRA to report accounts with maximum possible accuracy and to remove information, even whole accounts/tradelines that are erroneous. There is no reasonable explanation XXXX can provide that argues false/misleading/inaccurate data is " accurate. '' Now, XXXX claims in the response they provided non-monetary relief, claiming " XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable. '' If that were true, then XXXX would clearly see why the account/tradeline needs to be removed and promptly remove it because the data is false/misleading/inaccurate on its face. XXXX has provided zero ( 0 ) relief as the account/tradeline continues to report the same false/misleading/inaccuarte information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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:
After receiving phones from these debt collectors companies XXXX XXXX XXXX and XXXX XXXX XXXX I was informed of a debt. I spoke with so many representatives and explained this is not my debt to both companies. I contacted all 3 credit bureaus and informed them of these fraudulent accounts and nothing has been done. XXXX XXXX XXXX is stating a car loan for XXXX not my car. XXXX XXXX XXXX is stating {$240.00} both of these companies have my credit listed delinquent, and neither one of these companies has an account with me at all and are hurting my chance of obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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:
After receiving phones from these debt collectors companies XXXX XXXX XXXX and XXXX XXXX XXXX I was informed of a debt. I spoke with so many representatives and explained this is not my debt to both companies. I contacted all 3 credit bureaus and informed them of these fraudulent accounts and nothing has been done. XXXX XXXX XXXX is stating a car loan for XXXX not my car. XXXX XXXX XXXX is stating {$240.00} both of these companies have my credit listed delinquent, and neither one of these companies has an account with me at all and are hurting my chance of obtaining credit.

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 2023-11-30 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries on my credit report, as identified in the attached documentation. As someone who has been proactive about credit security, I have had a fraud alert on my account for over 15 years to prevent such occurrences. 

Upon reviewing my credit report, I noticed multiple inquiries that I did not authorize. These inquiries have potentially negative implications for my credit score and could be indicative of fraudulent activity. Given my longstanding commitment to safeguarding my credit through a fraud alert, these inquiries are especially concerning. 

The unauthorized inquiries occurred on [ List the dates or approximate time frame of each inquiry ]. I have neither initiated nor authorized any credit applications during this period, and therefore, these inquiries are erroneous and potentially fraudulent. 

I request the following actions to resolve this matter : A thorough investigation into the unauthorized inquiries listed in my attached documentation. 
Removal of these inquiries from my credit report, should they be verified as unauthorized. 
An update on the status of your investigation and any actions taken. 
I have also contacted the credit bureaus to inform them of this issue and will be monitoring my accounts closely for any further suspicious activity. 

Please find attached copies of relevant documents, including my credit report highlighting the disputed inquiries and evidence of my longstanding fraud alert. 

I appreciate your prompt attention to this serious matter. Please contact me at XXXX or XXXX for any further information or clarification. 

Thank you for your assistance in protecting my financial integrity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Can you update my address and name on my credit profile.

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 2023-11-30 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: Conn's, Inc.
State: TX

Complaint narrative:
Went to cons originally on XX/XX/2023 to inquire about financing furniture at that time a fraudulent act was committed and an inquiry was put on my record that was not removed after speaking with corporate I was contacted and told they would like to resolve the issue as well as give me a discount if I wanted to continue buisness with them so on XX/XX/23 I went in made a purchase the total of the purchase was suppose to be {$2000.00} after discount the contract I received said {$2500.00} I called them immediately as the contract was received via email at this point all I received was an email saying they would credit my account {$100.00} that was XX/XX/XXXX the following day because I was done arguing my case I excepted and moved on which should have brought the loan to {$2.00} XXXX It still does not state that amount and the amount owed isn't correct either and on my credit. The amount from the ledger the online app and on my credit are all different I've made payments XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXXin the amount of XXXX totalling {$430.00}. XXXX and the account is saying my payoff amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
You have my reports on the companies. Now transunion won't let me get signed in. My phone has four log in names and passwords for transunion. Its a year old. And I never can get to dispute. They will let you download report. Call center is overwhelmed. You have to pay to get verified to talk to them on social media. And they just keep telling everybody that complains to dm knowing they wan na make a buck on what is supposed to be free to all americans. I'm a homeless vet with XXXX and I paid XXXX XXXX for a service to clean my cred for home purchase. It was destroyed again by your biggest predators, XXXX XXXX XXXX XXXX XXXX, with help from XXXX and transunion. XXXX had two mistakes. Transunion and XXXX have 8. And transunion makes it extremely hard to correct. It's why I paid a service. Sorry for all the workload I've placed on ya 'll but I get no results anywhere else. Thanks for helping

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 2023-11-30 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I gave notice to Citibank N.A., that I am revoking my consent that was allowing them to keep all security interest from securitizing all of the derivatives of the accounts associated with the person XXXX. I told them from now on they can not start or continue to securitize any accounts, applications, papers, etc., that have my name XXXX on it. They must cease any securitization immediately. 
I also ordered them to delete all my personal data that they have or ever had or ever used as per Privacy Act of 1974 ( 5 U.S. Code 552a ).

Also I requested to opt out from them to report all of my records to any and all credit bureaus as per 12 CFR 1016.7 and to delete all transmitted records. 
I requested to receive a final communication from them within 30 days that the abovementioned was completed in full. 
No response was ever received.

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 2023-11-30 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
There is a company LVNV Funding LLC, which showed up on all my credit reports I believe in XXXX of this year. I do not know who this company is and I have never done business with this company. I have requested documentation show I have or had an account with them and they have yet to provide the information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2023-11-30 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:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.

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