vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries 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 Committee on accuracy and completeness of credit information I am 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 Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Collection XXXX Date of inquiry XXXX XXXX, XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX Regular XXXX XXXX **** XX/XX/XXXX {$41000.00} Late/Open XXXX  XXXX XXXX XX/XX/XXXX {$40.00} Late/Open XXXX XXXX XXXX XX/XX/XXXX {$12.00} Late/Open XXXX XXXX XX/XX/XXXX {$12.00} XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$4.00} XXXX XXXX XXXX ***** XX/XX/XXXX Late/Open XXXX XXXX XXXX XXXXXXXX Opened XXXX balance {$520.00} XXXX Late Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am qriting to urgently request the removal of fraudulent accounts on my credit report due to identity theft. The innaccurate information is causing significant harm to my credit and I expect immediate correctivw action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: IN

Complaint narrative:
It was brought to my attention a few days back, locating a email of my contract for a title loan I obtained in XX/XX/year> that rates are legally in territory of loan sharking ; which is a felony in the world of lending. I reached out to company several times earlier this year dating back to XXXX seeking explanation of fees and cost without knowledge of loan actually being in loan sharking territory at that time. I was told that a supervisor would return a call to explain yet after at least XXXX calls to the company that never transpired. Being off work injured and workers comp ending last year I needed an immediate cash flow to help cover monthly bills. Rushed thru entire process not getting exact clarity I was unaware my state even had usury laws at time I signed contract. I am an Indiana resident and i received a title loan on my owned vehicle. The interest rate charge I was processed for was XXXX XXXX XXXX XXXX XXXX I have religiously payed this charge every month. But it seems beyond unfair as well unrealistic. The bank providing loan was not even this business I applied for the loan thru. It is a XXXXXXXX XXXX XXXX out of XXXX  named XXXX XXXXXXXX XXXX  not even licensed nationally or in the XXXX XXXX XXXX I applied to a company called XXXX with no knowledge of XXXX XXXX XXXX In the state of Indiana over XXXX XXXX interest finance charge is considered loan sharking and a felony crime. I am seeking assistance with this newly found to be invalid loan. I am submitting supporting documents to support my claim. Again reached out to company for help that never happened.

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

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
This creditor XXXX XXXX has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B credit may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: Atlanticus Services Corporation
State: KY

Complaint narrative:
This creditor XXXX XXXX has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B credit may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
On XX/XX/year> I XXXX XXXX XXXX submitted a dispute via certified mail I have also filled a civil suit against Experian for violating my consumer rights & did not remove XXXX XXXX XXXX from my personal credit report in the amount of XXXX according to section 605b of the fair credit reporting act that account is supposed to be removed wit in XXXX business days Experian have violated my consumer rights I am a victim of identity theft & XXXX XXXX XXXX should be removed as soon as possible

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> I ' am writing to request and investigation of the following accounts, I have never opened or use the accounts listed below. " I'm requesting the following information be deleted from my Early Warning report immediately. I attached a copy of my report to this request. I have listed the accounts and the inquiries as well. Pls see attached accounts and inquiries.

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 2024-11-11 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On or around XX/XX/XXXX, I noticed an {$8.00} charge on my Paypal Mastercard, I then proceeded to cancel the charge, then after I canceled, I called Paypal Mastercard so that they would explain the XXXX XXXX day which I had been charged since XXXX ( for over 4 years by the time I discovered it ). I then spoke to an agent who explained it and its purpose. I then told them it sounded like a good feature and would like to enroll me back. The agent explained what I needed to do, and I did as I was told. After a couple of attempts to enroll back, nothing happened. I then called Synchrony Bank ( XXXX ), and they promised that someone would call me back about the issue. Nobody, called then I called them on XX/XX/XXXX, and explained to them since nobody has called me since my last attempts to enroll back in the program, I would like a refund for the $ XXXX I paid for over 4 years. The agent then told me that she could only refund me {$17.00}, and that's it. 
Please, this is not right, I paid $ XXXX for over 4 years. 
PLEASE HELP ME WITH THIS ISSUE. 

In addition, the company has now closed the credit card for some fake reasons. 
XXXX 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 explanation
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX  account number 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 2024-11-11 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX  account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: TX

Complaint narrative:
I am reaching out regarding the debt collection account assigned to Credit Control LLC on behalf of XXXX XXXX. I recognize that Credit Control is only assigned to manage this account. However, there are serious discrepancies and inconsistencies in how this debt is being reported across different credit bureaus, which neither XXXX nor Credit Control has clarified.

1. Inconsistent Account Status : XXXX has communicated that this account was " written off '' in XX/XX/year>, yet it continues to be reported inconsistently across credit bureaus, showing as both " open '' and " in collections '' without a clear designation of charge-off status. 


2. Discrepancies Across Bureaus : The account status varies significantly between XXXX, XXXX, and XXXX, suggesting possible reporting errors. Additionally, the transfer dates between different agencies do not align with XXXX 's records. 



Given that Credit Control is currently assigned this debt, I respectfully request that Credit Control coordinate with XXXX to provide a clear, documented response to these discrepancies. If these issues can not be resolved, I am requesting that the account be removed from my credit report due to the lack of consistent and accurate documentation, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter, and I look forward to a detailed response.

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 2024-11-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX # XXXX Account Name : XXXX, XXXX & XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally financial repeatedly calls early in the morning back to back starting way to early. Within a 1 hour time frame 4 calls have been made. I have a job and respectfully this is harassment. They claim I'm behind so paid 3 past due payments already and they just keep on it never stops!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-11-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX5 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I started receiving mail from Midland credit management sent to an old address of mine regarding money old to a XXXX XXXX credit card account I do not recognize. By the time I received any correspondence from them, it was too late to respond or request verification of debt. Now theyre threatening to file a lawsuit against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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

Complaint narrative:
the accounts should be deleted from my account because Under 15 U.S. code 1692 ( g ) and 15 U.S. Code 1692 According to 15 US CODE 1602 ( P ) the following accounts are in violation and need to be deleted Under 15 U.S. Code 1602p, an unauthorized inquiry is a violation of the Fair Credit Reporting Act ( FCRA ). The FCRA stipulates that consumers are entitled to compensation for each unauthorized inquiry on their credit report

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

Complaint narrative:
the accounts should be deleted from my account because Under 15 U.S. code 1692 ( g ) and 15 U.S. Code 1692 According to 15 US CODE 1602 ( P ) the following accounts are in violation and need to be deleted Under 15 U.S. Code 1602p, an unauthorized inquiry is a violation of the Fair Credit Reporting Act ( FCRA ). The FCRA stipulates that consumers are entitled to compensation for each unauthorized inquiry on their credit report

Company response to consumer: Closed with explanation