vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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:
On XX/XX/2023 I sent a letter to all 3 Credit Bureaus requesting to have my personal information updated. I received updated copies of my reports and the incorrect information is still being reported.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2023 I sent a letter to all 3 Credit Bureaus requesting to have my personal information updated. I received updated copies of my reports and the incorrect information is still being reported.

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 2023-06-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
On XX/XX/22 I spoke with a salesman by the name of XXXX XXXX we discussed a car I seen On the internet. I let XXXX know I was interested and that I was a out of state customer, I let him know that the Mercedes dealer ship in my home town was asking of a down payment of XXXX and I wasnt paying a large amount. XXXX ran my credit did all the numbers and credit pull and call me back and let me know that I was tier XXXX with Mercedes Finiancal if I give XXXX down payment I can lease the car for as little as XXXX  monthly I agreed and a link was sent to my phone to sign all contracts and documents. XXXX and I set discuss a time to get car ship. Fast forward to XX/XX/22 I still wasnt able to get plates or registration to even drive the car I reach out to XXXX who was dodging me and never was available, I than spoke with multiple people and finally I was in contact with a lady by the name of XXXX XXXX she went in and re wrote my contract push me to tier XXXX in up my credit monthly payment from XXXX  monthly to XXXX I believe ( I have supporting documents ) imagine this is almost a month later Im sure my credit have change at time she did this Im asking for this contract to be cancel return my deposit this is for sure fraud and against the law. Im seeking out legal help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I closed my account out with XXXX  and was told to pay the final bill. I paid the full amount and the account was closed. A month later, I was notified that there was a new statement after the account had been closed. 

I went to login but could not because I had my number with XXXX now and couldnt verify a code to login. Later I received a notice on my credit report that this amount was sent to collections. 

I called the collections agency, they said I would have to talk to the creditor to get some kind of resolution letter. I talked to XXXX and they said they would take care of it that the bill was a pro-rate that happened after I had closed the account and I couldnt login to even know to call them. 

The entry was under another collections agency, but they REMOVED IT OFF OF MY REPORT. 

Now today on XX/XX/2023 it has shown up under CREDIT RESOURCE MANAGEMENT AND KNOCKED MY PERFECT CREDIT DOWN XXXX POINTS!!! I reached out to the company but they didn't offer any help. 

This is not fair. I paid that account off and closed it!!! I don't owe them anything!!!! 


Your payment summary The payment you have made for XXXX XXXX phone number/ Account Number XXXX is complete. 

Here are the details : I believe this is my payment information. I can not get and could not get into the account so I dont know. 


Payment Amount : {$150.00} Payment Method : XXXX ending in XXXX Reference Number : XXXX Account information and activity can be accessed on the XXXX XXXX app or at XXXX XXXX. XXXX XXXX for Business customers can access account information at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I finally received an insurance check from a car accident from From XXXX XXXX and it is a Citibank issued check. 
I called and spoke with a local Citibank branch ( XXXX XXXX, CA ph # : XXXX ) on Monday at XXXX XXXX today and spoke with a very rude person. I wanted to inquire if I could cash a check issued by Citibank and he stated no, despite the check issuer being Citibank. When I asked him the reason he rudely answered but was using terms I was unfamiliar with which led to me asking additional questions in which he became rude and upset stating Im not going to argue with you. I was shocked on how he said it because my intention was not to argue nor did I expect him to become upset. I did not expect such hostility for asking questions or clarifications. I thought I would have no issues cashing a check at a branch in which the check was written by the financial institution.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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 submitting this complain for you to know that I am a victim of I identity theft. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please delete the following items I am concerned of : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/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 2023-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Hi paypal, Now without any reason another limitation has been place on my account. 
This situation is really embarasy. 

But let me remind to you about you said the last time about to enable the option for withdraw my money. 

XXXX READ THE ATTACH DOCUMENT. 

I DONT NEED TO WAIT XXXX  DAYS AGAIN!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 and 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 non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I am writing to you to dispute some errors I have found on my credit report. I have reviewed my report in detail and have identified several inaccuracies that I would like to clarify. 

First my current address is not the one that appears in your systems, but the report lists an old address that I no longer use. 

I have also noticed that there are certain errors, considerably affecting my credit report in a negative way. This account is already closed, but I am reporting late payments, which there is an inaccuracy of the dates, so I kindly ask that it be deleted from my history. 

This account was closed and paid in full, and at this time I am reporting negatively on Experian. And it does not report to any other agency, which clarifies that there is an error in the report. 

For this reason, I kindly ask that this account be removed from my history which is found paid and closed. And it's only affecting me. 

I attach to this letter copies of documents supporting my claim that show that the data on my credit report is inaccurate. 

I ask that you conduct a full review of my credit report and take the necessary steps to correct the errors identified. I appreciate your attention and I look forward to your response 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 2023-06-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
On XX/XX/XXXX I was made aware that PHH Mortgage was not paying our property taxes in full. I sent them the notice, along with all relevant information to pay the taxes. I received a response that I would receive an update in 10 business days. I did not. I reached out in the beginning of XXXX of XXXX to check on the status. They assured me it was being handled. On XX/XX/XXXX ( a year later ), I received notice from my county of residence stating that the taxes still had not been paid and we were at risk of the property being seized if payment was not made by XX/XX/XXXX. I sent it to them, again, and as of today, XX/XX/XXXX there still has been no payment made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Below are the fradulent account reported to my Experian report. XXXX XXXX and XXXX XXXX credit card.

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 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have an XXXX account which made the dispute months ago, I spoke directly to XXXX regarding this account and it was deleted from my transunion and XXXX report. 

I ask that please in the same way that those two credit agencies did, delete this account from my records since it only affects me negatively in my credit. 

Since XX/XX/2021, it has not had any updates until the date that was updated by a payment plan in an account that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

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 and 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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to you to dispute some errors I have found on my credit report. I have reviewed my report in detail and have identified several inaccuracies that I would like to clarify. 

First my current address is other, but the report lists an old address that I no longer use. 

I have also noticed that there are certain errors, considerably affecting my credit report in a negative way. This account is already closed, but I am reporting late payments, which there is an inaccuracy of the dates, so I kindly ask that it be deleted from my history. 

In XXXX it reports late payments in the months of XXXX, XXXX and XX/XX/2021, and in more another agency reports on those dates, and in XXXX it reports in the months of XXXX, XXXX, XXXX, XXXX. Which as you can see there was no late payment. 

For this reason, I kindly ask that this account be removed from my history which is found paid and closed. And it's only affecting me as a late payment. 

I attach to this letter copies of documents supporting my claim that show that the data on my credit report is inaccurate. 

I ask that you conduct a full review of my credit report and take the necessary steps to correct the errors identified. I appreciate your attention and I look forward to your response 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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter of dispute to XXXX, XXXX, and Equifax on XX/XX/2023. I explained that the account for XXXX XXXX was reporting incorrectly. The account was charged off and keeps reporting as being updated each month. All 3 bureaus came back stating the reports were updated without providing me with the proof or documentation used to validate the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter of dispute to XXXX, Transunion, and XXXX on XX/XX/2023. I explained that the account for XXXX XXXX was reporting incorrectly. The account was charged off and keeps reporting as being updated each month. All 3 bureaus came back stating the reports were updated without providing me with the proof or documentation used to validate the account.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 sent a letter of dispute to Experian, XXXX, and XXXX on XX/XX/2023. I explained that the account for XXXX XXXX was reporting incorrectly. The account was charged off and keeps reporting as being updated each month. All 3 bureaus came back stating the reports were updated without providing me with the proof or documentation used to validate the account.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
Request to remove fraudulent account from credit report. Exeter finance is fraudulent account in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: V and H Portfolio
State: CA

Complaint narrative:
On XX/XX/2023, I sent Vance & Huffman LLC a CEASE AND DESIST letter. The certified letter was delivered on XX/XX/XXXX, XXXX to date, the company is still reporting the account as open and in collections, please see attached documents from the credit bureaus..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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 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 explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00}

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