vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear Sir or Madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: NY

Complaint narrative:
Upon reviewing my credit report I came across unauthorized hard inquires and a fraudulent account that was never initiated by me at any given point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I received a XXXXXXXX XXXX prepaid American Express Giftcard for winning a XXXXXXXX XXXX XXXXl The first day I was able to use my card at a store, restaurant, and XXXX online vendors ( XXXX and XXXX ), absolutely no problems For the past 3 days I can use my card for anything, Ive been declined online, in stores, at gas stations, pharmacies, restaurants, corner stores etc When I check the Amex website it says that its missing a security code and thus is declined every time This is weird as I put in the security code every time to have the card linked in the first place When I tried to contact Amex there customer service has to be based offshore, so its hard to communicate my issues and also hard to understand them In addition no matter what the only 2 answers I ever got no matter who or for how long I spoke to them, was that a ) my card is active and should be ready to use, wait a day if your having issues ( Im now on day 3 ) and b ) weve enhanced our security features for our cards so this could also be the reason for declined ( but then they NEVER tell you what those security features are or how to avoid them etc, etc ) This is just absolutely ridiculous that I cant spend the money off a giftcard, Ive NEVER had this problem with a visa giftcard but my first ( and last ) Amex card is giving me all types of issues I want a full refund of the XXXX $ sent to me via check, Im sick Amex and dont want to deal with the company of the gift card anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This collection agency is collecting on a credit card debt that is not mine and was opened resulting from Identity Theft. I have disputed this debt with them and the creditor they are collection on behalf and they are still trying to collect on it, call me, and send me letters to collect the debt. I have sent them a police report and an Identity Theft Report, but they failed to cease and desist on collecting on this debt. I am demanding that this collection agency to STOP ALL COMMUNICATION and to CEASE AND DESIST on all communication of collection on this fraudulent debt, per HJR 192 of 1933. My next steps is file a lawsuit and seek damages for aggravated Identity Theft and making me have pain and suffering on a debt that is not mine. Please comply 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 non-monetary relief
Consumer complaint received 2024-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
Did not allow those services to run my 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 explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MD

Complaint narrative:
I just found out that discover students loans is showing on my credit report for a paid off loan. The loan was paid off in XX/XX/XXXX. I received a letter in XXXX this year they reported me in error to the credit bureaus yers ago which I wasnt aware of. Im going out for a job the checks my credit and they mention XXXX which I had never heard of. In checking my report SLc is discover student loans. Looking at my XXXX XXXX today it has dropped. Investigated why and it shows XXXX of my fully paid discover student loan accounts has been delinquent in XXXX, XXXX and XX/XX/XXXX abs Ive been making payments on time in this account since XX/XX/XXXX. That cant be considering the account has been paid in full since XX/XX/XXXX. I spoke with a representative in the phone at discover StudeNt loans abs was told this sort of issue is common and it will take a while for it to get corrected. Im so annoyed with this issue because my father was my co-signer and Im sure this issue is now affecting his credit as well which he never asked for. Im just learning discover student loaves has a past of doing this. I would like to know how I cant get the issue fixed because discover XXXX XXXX XXXX seem to be highly confused and the two companies are not communicating in order to fix client issues such as mines. Im afraid this issue on my credit may affect me in getting a potential job due to them mentioning this negative aye on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Management Services, LP
State: GA

Complaint narrative:
This collection agency is collecting on a credit card debt that is not mine and was opened resulting from Identity Theft. I have disputed this debt with them and the creditor they are collection on behalf and they are still trying to collect on it, call me, and send me letters to collect the debt. I have sent them a police report and an Identity Theft Report, but they failed to cease and desist on collecting on this debt. I am demanding that this collection agency to STOP ALL COMMUNICATION and to CEASE AND DESIST on all communication of collection on this fraudulent debt, per HJR 192 of 1933. My next steps is file a lawsuit and seek damages for aggravated Identity Theft and making me have pain and suffering on a debt that is not mine. Please comply 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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I have a bankruptcy listed on my credit report XXXX which is being reported by lexis -nexs to XXXX and XXXX which is inconsistent and inaccurate missing information and wrong dates therefore this shall be deleted from their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Since the beginning of XX/XX/2024 to XX/XX/2024, I have received a total of 21 emails from Capital one requesting payment. I called last year and closed the card and told them I would handle payment when my XXXX started ( still pending ). A total of 10 emails XXXX, XXXX emails in XXXX and so far 2 emails in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: CA

Complaint narrative:
I am attaching my FTC Identity theft report which lists the following accounts that need to be removed from my Experian credit report as they are not my debts. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( this acct is listed twice with slighlty different name ), XXXX XXXX XXXX ( this is the XXXX debt that is listed in the FTC report ). I am certain these acconts are not mine.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I just found out that XXXX XXXX XXXX  is showing on my credit report for a paid off loan. The loan was paid off in XX/XX/XXXX. I received a letter in XXXX this year they reported me in error to the credit bureaus yers ago which I wasnt aware of. Im going out for a job the checks my credit and they mention XXXX which I had never heard of. In checking my report XXXX is XXXX XXXX XXXX. Looking at my credit score today it has dropped. Investigated why and it shows one of my fully paid XXXX XXXX XXXX accounts has been delinquent in XXXX, XXXX and XX/XX/XXXX XXXX Ive been making payments on time in this account since XX/XX/XXXX. That cant be considering the account has been paid in full since XX/XX/XXXX. I spoke with a representative in the phone at XXXX XXXX XXXX XXXX was told this sort of issue is common and it will take a while for it to get corrected. Im so annoyed with this issue because my father was my co-signer and Im sure this issue is now affecting his credit as well which he never asked for. Im just learning XXXX XXXX XXXX has a past of doing this. I would like to know how I cant get the issue fixed because XXXX XXXX XXXX XXXX seem to be highly confused and the two companies are not communicating in order to fix client issues such as mines. Im afraid this issue on my credit may affect me in getting a potential job due to them mentioning this negative aye on 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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX Account # XXXX Account type : credit card In accordance with the fair credit reporting act, public law 91-506, title VI, section 611 please provide the names and business addresses of each individual with whom you verified above so I may follow up. please send an updated copy of my credit report after your reinvestigation.

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 2024-05-05 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: CA

Complaint narrative:
in accordance of Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  is in violation of 15 U.S.C. 1681

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 2024-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Lengenuity LLC
State: LA

Complaint narrative:
Did not authorize them to run credit check.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-05 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have sent this comapny a cease and desist this company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter the company is not legally blinded and or insured to collect in the state of TEXAS. Please have this company cease all collection activities this my last attempt to complain outside of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I canceled and closed my Capital one card last year due to being out of work and awaiting my XXXX. Capital one has sent me a total of 21 emails since XX/XX/24 to XX/XX/24. They are sending harassing emails every 3-4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. 
I would like those items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
The accounts are : XXXX XXXX  XXXX - XXXX  XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. 
In accordance with the fair credit reporting act public law 91-506, Title VI. Section 611, please provide the name and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my report after your investigation

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 2024-05-05 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: CA

Complaint narrative:
in accordance of Fair Credit Reporting act XXXX XXXX ACCT # XXXX XXXXXXXX is in violation of 15 U.S.C. 1681

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 2024-05-05 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: CA

Complaint narrative:
in accordance of Fair Credit Reporting act XXXX XXXX account XXXX XXXX XXXXXXXX is in violation of 15 U.S.C. 1681

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 2024-05-05 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:
in accordance of Fair Credit Reporting act XXXX XXXX account XXXX XXXX XXXXXXXX is in violation of 15 U.S.C. 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL Date : XX/XX/XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX This is my second time on the removal of these errors on my credit report. I saw multiple hard inquiries that's shown on my consumer report which have known actual accounts. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. I also Know any extension of credit should be given as I didn't receive anything from your company to be shown on my consumer report. Please remove all listed below before i take legal actions please. If accounts are not removed within the next 30 days I will be taking legal action with intent to sue. 
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 XXXXXX/XX/XXXX I am sending this letter certified mail for my protection as well as yours. Please forward proof to me at your earliest convenience or send a request to the credit bureaus that you report to if you discover this was an error. 
It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score. 
I anticipate your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: The Receivable Management Services LLC
State: TX

Complaint narrative:
I have sent this company a cease and desist this company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter the company is not legally blinded and or insured to collect in the state of TEXAS. Please have this company cease all collection activities this my last attempt to complain outside of court.

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 2024-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Global Lending Services LLC
State: LA

Complaint narrative:
Did not allow company to run my credit.

Company response to consumer: Closed with explanation