vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: IN

Complaint narrative:
I am deeply concerned that your company did not conduct a thorough and proper investigation into my dispute. It is evident that there has been a failure to adequately investigate and update the status of this account. This oversight has had a detrimental impact on my ability to secure credit, which is why I am invoking my rights under the Fair Credit Reporting Act ( FCRA ). 
As per the FCRA, accounts that can not be positively verified must be promptly updated. If you are unable to provide me with verifiable proof within the stipulated time frame, it is incumbent upon you to update this account. Under federal law, you are obligated to complete your re-investigation within thirty ( 30 ) days. 
Furthermore, I request that you provide a detailed description of the procedure used to determine the accuracy and completeness of the information, to be furnished within fifteen ( 15 ) days of the conclusion of your re-investigation. 
I firmly demand that this account be updated without delay in compliance with the FCRA and federal law to rectify the harm it has caused to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: OH

Complaint narrative:
I have requested on multiple occasions the removal of the following addresses and Experian is giving me the run around. The most recent request was on XX/XX/year>. 
I requested the removal of XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX They updated the address to XXXX XXXX XX/XX/XXXXXXXX, XXXXXX/XX/XXXXXXXX. Both are non existing addresses. I have never lived at either address. Furthermore I requested the removal of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX which they updated to XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX. Lastly I requested the removal of XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX and they updated to XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX If you notice here they'll remove the address and change it to a variation to an address that they removed. I do not understand why they will not just remove the address all together. As I've stated before, I have never lived at this address. This is a nuisance!

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 2024-07-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to file a complaint against XXXX 's regarding my credit card account ending in XXXX. Over the past XXXX months, I have made several calls to their customer service line at XXXX. During these calls, I was assured that the interest and late fees would be removed if my card balance was paid in full. 

I have since paid the balance in full, yet the promised removal of the interest and late fees has not been reflected on my account. Despite my repeated attempts to resolve this issue directly with XXXX XXXX XXXX XXXX, no action has been taken. 

I am seeking your assistance to protect my consumer rights and ensure that XXXX XXXX XXXX XXXX fulfills their promise. Enclosed are copies of my account statements, correspondence with XXXX XXXX XXXX XXXX, and any other relevant documentation for your review. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
RE :XX/XX/XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX,XX/XX/XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX,XX/XX/XXXXXXXX Listed below are the Collections that are being challengedXX/XX/XXXXXXXX - XXXX XX/XX/XXXX XX/XX/XXXX*PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING XX/XX/XXXXN XX/XX/XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN XX/XX/XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO 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 explanation
Consumer complaint received 2024-07-10 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: VA

Complaint narrative:
Trans Union lowered my XXXX score for no reason. Nothing on my credit report changed.

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 2024-07-10 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: NC

Complaint narrative:
I have sent letters to all three credit reporting companies informing them of accounts, address and numbers that's reporting on my credit report wasn't open by me and received letters back as the account verified, my letters was sent XXXX XXXX, and XX/XX/year> to transunion, XXXX, and XXXX. this matter is also stopping me from being able to move and XXXX a job with a new company due to bad 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 2024-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
In XXXX I was granted a XXXX  XXXX ( case # XXXX ) which included a modification with a trustee. The modification would have lasted until XXXX, but in XX/XX/XXXX I paid what I thought was my last payment towards ending the XXXX  XXXX early release, as we all know Covid 19 happened, And I couldnt get discharged unless my income taxes were up to date. At this point the IRS offices were closed, and I couldnt get the money properly credited to the years XXXX. When the IRS offices finally opened in XXXX, I was audited for year XXXX which I then resolved with the help of my CPA and the IRS agent. At this point, The United States bankruptcy court Middle district of Florida XXXX Division, and the trustee where both aware of this. I then called HSBC banks mitigation department and they had advised me that I could start paying the modification amount to reinstate my loan. At this time we agreed to a 3 months forbearance, which I upheld the terms to the agreement of the 3 months forbearance and I made my payments until HSBC Bank Stoped taking my payments on XX/XX/XXXX. HSBC bank then advised me that they had stop taking my payments because they were going to accelerate my loan. I tried to reach out to HSBC Bank because I did not agree to their decision to accelerate my loan but to no avail, I then hired a lawyer to assist in communicating with HSBC Bank regarding my mortgage and after more than a year of going back and forth, the only resolution HSBC Bank offered me was money to take my house back. I did not agree with this since it was HSBCs decision to stop taking my payments. This is the same thing they did to me in XXXX, which was what forced me to filed a XXXX  XXXX in order to stay in my house. I feel that they ( HSBC ) has been un fairly attempting to get me out of my house without any probable cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: Nelnet, Inc.
State: CA

Complaint narrative:
I'm not sure of the school name but in the past I noticed that netlet was on my credit report. I spoke and tried to dispute it but they say it belongs to me. The only school I went to was XXXX XXXX XXXX. My identity was stolen I made a report with the XXXX XXXX police department in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX XXXXXXXX to settle a debt with Capital One. On this day they agreed that If I paid XXXX that the account would be settled in full. The Original debt was XXXX. On XX/XX/XXXX I paid the XXXX and was told that on my credit report that account would show paid off in full. However capital one has not done so, instead they show I still owe the other remaining half. I have received documentation from XXXXXXXX XXXX XXXXXXXX, showing the agreement and that what I Paid would settle the debt in full, However capital hasn't complied even though they have hired this company for this debt, when I called they Capital one, they told me, I was on a payment plan, which is not true. They are reporting false information to the credit agency knowing that this account was settled in full with their third party company XXXXXXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX  The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that XXXX being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO 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 explanation
Consumer complaint received 2024-07-10 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: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I declared I was apart of a national disaster for charged off and collections accounts. I disputed both as being in a national disaster and the collection amounts be removed as I was tragically impacted. 

Original Lender ; XXXX XXXX since sold the debt to XXXX XXXX XXXX. XX/XX/XXXX Original lender XXXX XXXX XXXX XXXX, since sold the debt to XXXX XXXX XXXX. XX/XX/XXXX. 

Charged Off and reported as a loss : XXXX XXXX XXXX opened XX/XX/XXXX closed and which is reporting charged off XXXX XXXX XXXX XX/XX/XXXX closed in XXXX now reopened and charged off. 

XXXX XXXX XX/XX/XXXX charged off Local government emp opened XXXX XXXX charged off and reported as a loss by creditor. {$4300.00} and account XXXX XXXX {$500.00} I asked that each account be removed and deleted from my credit report. These are very harmful to my score and credibility worth. As a result of being apart of a drastic life change these should be taken in consideration as the loss they already written off due to unforeseen circumstances such as a national Pandemic.

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 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I went to the movies on XX/XX/2024 and while watching I got an urgent call from my mom that she was not doing well and went to see her at the hospital. It turned out to be a false alarm. In that rush, I left my pouch in the movies with my phone, credit cards, and a copy of my license and social security card. Many more sensitive documents were in there. When I went back to the movies I asked the front desk if anyone returned to the lost and found department. 

I later got to find out that a lot of charges were made by someone on many of my cards and XXXX was one of them. I called them and said all this to them and they have only reversed and given me provisional credits for 3 of the 6 transactions. This violates the FCRA act as they should give all provisional credits right away during their investigation. This is hurting my credit as well and they are asking for minimum payment on fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Business Revenue Systems, Inc.
State: MD

Complaint narrative:
At the time of service, XX/XX/year> I paid XXXX XXXX the co-pay. Two weeks later I received billing requesting for payment. I called the billing company XXXX to dispute and told them that I already paid and have the receipt with me. They did not take my receipt transaction number only stated that there was a system downtime in their transaction system and could not retrieve the invoice. They said it will be resolve in 30days. After 30days, I received another billing invoice and called them again in XXXX. They said they will resolve the problem but refused to take my transaction number. 

After 60days, in XXXX the company send the debt to the XXXX collector ( Business Revenue Systems, Inc. ) I called XXXX ( XXXX XXXX billing company ) again on XX/XX/XXXX and told them my situation. They requested that I email them the receipt which I did. They said they will take care of it in 30days. 

I also called Business Revenue Systems to notify them the situation and gave them the receipt transaction number. 

The billing company negligence is causing a lot of my time and frustration. Furthermore, this will hurt and have negative impact to my credit score which I tried very hard to maintain a good credit score the last couple decades. I just hope this does not happen to other people. I learned to keep all receipts and check your billing balance frequently. Keep all correspondences in case this situation happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: AL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: FL

Complaint narrative:
Ive sent in disputes and XXXX by law are suppose to investigate these to protect me and my credit instead I was sent an email saying they wont Ive sent in numerous identification on the matter aswell

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: AL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-07-10 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: AL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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