vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: AL

Complaint narrative:
I have been made aware that XXXX XXXX XXXX is reporting inaccurate information to the credit bureaus leading XXXX is reporting inaccurate information on my credit report. My credit report with XXXX XXXX XXXX is incorrect and not reflecting the same information on my Equifax nor my XXXX. XXXX has since removed this account from my report and I'm demanding the same be done with XXXX. I am also aware that credit acceptance is being sued by several states for predatory lending, illegal repossession and falsifying information on consumers credit reports. I got this information CFPB and it is valid..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To the Credit Bureaus regarding discrepancies in my credit report, After conducting a thorough examination of my credit report, I encountered significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were accurately reported. According to 15 U.S. Code 1681e ( b ), which mandates consumer reporting agencies to utilize reasonable procedures for ensuring the utmost accuracy of individuals ' information, it is evident that your obligations in this regard have not been fulfilled.

I understand that under 15 U.S. Code 1681i ( 5 ), which specifically addresses the handling of inaccurate or unverifiable information, consumer reporting agencies are required to promptly delete or amend such information upon confirmation of its inaccuracy or inability to be verified. Furthermore, they must notify the information provider of any alterations or deletions made. Failure to provide verifiable evidence within 15 days following the investigation necessitates the removal of the accounts and/or information specified below.

In accordance with 15 U.S.C. 1681i ( 7 ) regarding the method of verification, it is evident that the following accounts lack valid evidence and are therefore in violation. Kindly take the necessary steps to remove them from my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Thank you for your prompt cooperation in addressing this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RC Willey
State: UT

Complaint narrative:
I called R.C.Willey on XXXX XXXX and talked to XXXX with RC Willey accounting department. I explained to her that my credit report lists a derogatory item from RC Willey. The reporting date is XXXX XXXX for a XXXX delinquent account.with a balance of {$4700.00}. I provided her with the account number as listed in my credit report. I also provided her all PII she requested. She told me that she is unable to locate the delinquent account information in RC Willey XXXX or XXXX XXXX. However, she was able to find 2 accounts. One was openned while living in XXXX, CA and the other I told her it is not mine. The XXXX account was paid in full which she verified was under my name and my husband 's. She promised me she would take care of the account and remove the derogatory item within the next 30 calendar days. It is now XX/XX/XXXX and the derogatory item is still showing in my report. Please help me remove it as I'm unable to obtain credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX and XXXX, a hard inquiry from XXXX appeared on my EXPERIAN 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 explanation
Consumer complaint received 2024-03-13 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: IL

Complaint narrative:
I am writing to dispute certain inaccuracies on my credit report. I have carefully reviewed the provided by your bureau, and I have identified several discrepancies that require your attention and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Consistently, I've made sure payments on this account are always on time, avoiding any instances of overdue payments. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: MA

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: OneMain Finance Corporation
State: CA

Complaint narrative:
My card was lost on XX/XX/year>. Upon checking my statement, there was a charged of {$200.00} from XXXX XXXX. I called and notified the credit company that the charged was unauthorized. I called so many times to get this resolve but my credit company did not credit the charge back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: CBC Companies, Inc.
State: AR

Complaint narrative:
In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX but under XXXX shows that account # XXXX ) I am Attaching identity and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I responded to an alleged debt account letter dated XX/XX/XXXX I mention that I had no knowledge of the alleged debt and if I can get an original copy. They send me a copy of a renewed judgment that was filed XX/XX/XXXX that I wasnt made aware of. They claim that this alleged debt was open back on XXXX. Assuming this was mine which I have no knowledge of, does the statute of limitations expire?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: IL

Complaint narrative:
I submitted my identity packet to the credit agency in regards to inaccurate information being reported on my consumer report, the agency did not provide any written consent of 100 % burden of proof nor have they removed the negative items from my credit file. I provided my Name, Date of Birth, Driver license and SS Card as proof of identity and the information is still showing on my credit to date. I am including again that information and I believe the credit agency is using a stall tactic as they have not provided me with what I requestd. I have not signed any SSA-89 form given my written consent and is requesting these items are removed from my consumer report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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:
I submitted my identity packet to the credit agency in regards to inaccurate information being reported on my consumer report, the agency did not provide any written consent of 100 % burden of proof nor have they removed the negative items from my credit file. I provided my Name, Date of Birth, Driver license and SS Card as proof of identity and the information is still showing on my credit to date. I am including again that information and I believe the credit agency is using a stall tactic as they have not provided me with what I requestd. I have not signed any SSA-89 form given my written consent and is requesting these items are removed from my consumer report within 4 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: KS

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I submitted a complaint back in XXXX of 2023, regarding a XXXX  XXXX bankruptcy that has been placed on my credit report. The investigation that transunion did, was not complete, and also ineffective, There was no proof provided of who they spoke with to prove this belonged to me. I have disputed this account numerous times, and nothing has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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:
XXXX XXXX  use my information to open a credit card in my name with out my authorization, they are committing fraud, this card was not open by me and they are ignoring the fact that they will be sued and pay for damages and my lawyers fees if this is not removed i will send a letter f intent to sue, they will pay for arbitration and since I have complaints that i have filed, I have even a rep I can contact and have in court or in arbitration that has evidence of me being a victim of identity theft, I will sue for as much as I can get, now take this account off my credit report, this is my last and final warning to this bank, take it off or be sued and tell turn this over also to the attorney generals office and I will contact an investigator from the news media regarding this issue, they would love to run a story showing that this bank is stealing and using my personal information to defraud me and commit fraud and use my identity to establish this account with out me knowing about this account is not mine now take it off. I never open no account through any website. Yall are stealing my personal information I dont appreciate it at all, I wlll sue and I will put this on national television , XXXX XXXX which is XXXX XXXX will live to know and will throw yalls reputation under the bus and you will lose business. Leave my name and my personal information out of this or will own that company, your investigation shows someone other than me open that account all yall are doing is blaming someone so you can constantly steal my information, CFPB yall need to investigate XXXX XXXX Im not the only one they have used their information to commit fraud, I have tons of information that XXXX has ignored, Im asking for yall to investigate and fine this company and its affiliates, my information was found on the dark web by someone and it has been used, I have documentation from the IRS stating that my information was found by someone that had used to gain a credit card and XXXX has ignored it, I am a victim of identity and I have documents to prove that, if discerning doesnt want it be sued, take the account off its not my credit card period

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
to XXXX concerning discrepancies in my credit report, Following a thorough investigation into my credit report, I experienced significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately. Pursuant to 15 U.S. Code 1681e ( b ), which mandates consumer reporting agencies to employ reasonable procedures to ensure the utmost accuracy of information pertaining to individuals, it is clear that your obligations in this regard have not been met.

I am aware that according to 15 U.S. Code 1681i ( 5 ), specifically addressing the treatment of inaccurate or unverifiable information, consumer reporting agencies are obligated to promptly delete or modify such information upon confirmation of its inaccuracy or inability to be verified. Additionally, they are required to notify the information provider of any modifications or deletions made. Should you fail to provide verifiable proof within 15 days following your investigation, the accounts and/or information detailed below must be removed.

Pursuant to 15 U.S.C. 1681i ( 7 ) regarding the method of verification, it is evident that the following account lacks valid evidence and is therefore in violation. Please take the necessary steps to remove it from my credit report : XXXX XXXXXXXX Account Number : XXXX Similarly, in accordance with 15 U.S.C. 1681i ( 7 ), the following account lacks valid evidence and should be removed from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX Thank you for your cooperation in addressing this matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Me and my fathers information was stolen. We have since then continued to file a dispute with the company over and over for the last several years since XXXX.We have requested documentation along with XXXX different police reports as well as the FTC. Per learning more about credit reporting, they are still attempting to collect upon a debt that not only me but my father have provided detailed information regarding the identity theft. In the state of Texas there is a statue of Limitations for attempting to collect on a debt. Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is XXXX years. The debt per what is reporting on the credit beauru became repossessed in XX/XX/2018. The vehicle was then sold and charged off as XX/XX/2018. Still to this date they are still attempting to collect on a debt that we have continued to dispute but will not respond back to any of our letters nor notices. I am wanting to have this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 explanation
Consumer complaint received 2024-03-13 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: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 explanation
Consumer complaint received 2024-03-13 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: KS

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. 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
Consumer complaint received 2024-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I purchased a vehicle from healey in beacon on XX/XX/2023. It was a rushed deal. Was paying XXXX a month for the trade in which was good. I told them I wanted to pay that a month for the 2023 jeep renegade. So I signed the papers under the impression that that was what I was going to pay. Then after the fact they tell mebI would be paying XXXX a month. I WAS VERY UPSET. THATS A MORTAGE. I HAD NO CLUE THEY ROLLED OVER THE OTHER LOAN. HOW DO I qualify for a XXXX loan if my credit was not so hot. It's an illegal loan. Yes I wanted a new car but not at that cost. So I went back to them to see if they can refinance or put me in a used car instead to lower my payments. They refused. So now I am told my car is only worth XXXX. I want lower payments hard to cover my other bills

Company response to consumer: Closed with explanation