vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: GA

Complaint narrative:
So heres the situation. XXXX The apartment complex I stayed in, XXXX XXXX, had an energy problem that was running my light and water bill over {$500.00} a month. My water bill was included in my rent ( {$800.00} at the time with water like {$850.00} XXXX ), so my rent was coming out to over {$1400.00} a month. I complained to management consistently and nothing was done. I maybe paid that rent a good 3 or 4 more times than I got in contact with the XXXX. After contact, the leasing office credited me 3 months rent free and took the light bill out of my name until they fixed the problem. He also told me to continue to pay my I had XXXX  XXXX to perform an energy audit and they discovered that the water heater was running 24 hours none stop and also found a nail jammed inside the AC unit and said it wouldnt work without the nail which also made my air conditioner to run none stop as well. I have documents to prove this claim. So while the light bill is in their name, it took them maybe over a year to fixed the problem so it accumulated to over {$16000.00}. Now every other month management changed so I have to explain the situation over and over to new people up until I received a letter stating if I leave by XX/XX/XXXX they wont apply the amount to my credit report. Now at that point I was ready to leave any way because I didnt want to have to keep fighting so I left as they insisted. Next couple of months after I was hit with a collection {$16000.00} from 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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am writing to follow up on my previous communications and attempts to have fraudulent items removed from my account. Despite making this attempts to resolve this matter, the fraudulent items remain unaddressed. My initial attempt to correct this issue was made on [ date of first attempt ], and since then, I have consistently provided all necessary documentation and information as requested. Here is a summary of my attempts : Despite these diligent efforts, the fraudulent items remain unresolved. This lack of resolution is causing significant distress and inconvenience, impacting my financial standing and peace of mind. I expect to receive a response within exact timeframe from the date of this letter. Should this matter remain unresolved, I will have no choice but to escalate my complaint to the appropriate regulatory bodies and consider legal action to protect my rights. Kindly help me remove the following items immediately : XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2024-07-11 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:
debt was paid in full with agreement to delete from credit reporting. it is reporting falsely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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:
debt was paid in full with agreement to delete from credit reporting. it is reporting falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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:
debt was paid in full with agreement to delete from credit reporting. it is reporting falsely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
HOME DEPOT/CITIBANK . N.A Creditor derogatory remarks on Credit Bureau. Creditor doesn't allocate payments accordingly. I call every month to allocate payments accordingly on promotions of 0 % interest for 6-12 months. Incorrectly billed for the last 5 months. Added interest by Creditor on 0 % promotions thay have not expired and will not expire until XX/XX/year>. I paid monthly on time, Creditor shows no payment on bill for XXXX or XX/XX/year> statement but shows credits. Creditor tells me im current and nothing due. Creditor allocates payment to their own discretion and it is a concern for the consumer. Consumer is a XXXX XXXX  Score until they marked credit derogatory by Home Depot. Called every month to allocate payments accordingly and they will not correct. Asking for FTC, FCRA, FCC, XXXX, and CFPB to investigate the FCRA, FDCPA, REG Z, REG F, REG G, TILA, CONTRACT TERMS, along with good and services rendered. I have spent more that 20 hours on the phone to get transfered to the XXXX and XXXX managers to get nothing but hung up on even when the rep knows there is company error in clouding the manager XXXX I spoke tonite with for over and hour. 
I am ready to seek my attorney to file a civil lawsuit for GOOD & SERVICES, FDCPA violations, FCRA for derogatory credit remarks, NEGLIGENCE when recorded calls say HOME DEPOT is at fault, TREBLE DAMAGES for my time spending over 15-20 hours getting hung up on. 

PLEASE HELP ME. I HAVE JUST DISPUTED MY CREDIT REPORT 10 MINS AGO with XXXX. Will dispute XXXX and XXXX tomorrow -- thank you much!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: TX

Complaint narrative:
I tried to pay my Internet bill. I have XXXX. When I called the number a guy answered and asked my name and etc, and the person took my info, told me how much I owed and it was correct, and when I asked why the online, and phone system to pay wasn't working the person pretending to be an XXXX  employee said they were getting rid of it and it was gon na have to be over the phone. He knew my info and how much I owed so I assumed it was legitimate. 

He kept telling me my card was not working. Then his manager repeated the process and said the same thing. 

That was XX/XX/XXXX. I kept checking my account and it was normal. Then the day I called and reported my money being wrong I got them to tell me what was charged. I informed them it was fraud. They sent me a paper to fill out and a copy of my statement and a new card, but it's been over 10 days and I haven't heard back from the bank. 

They said they tried to contact me but they didn't. I haven't had any calls. 

I had XXXX XXXX XXXX XX/XX/XXXX, and was still very weak. They stole my SSI benefits. I'm completely XXXX and I haven't been able to go to my very important doctors appointment because my money hasn't been returned yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
Payment on the account was never late but apprear late ive asked for them to fix the error

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake financial was sent a letter regarding incorrect and inaccurate reporting to my credit report. They are falsely reporting 60 days late on XX/XX/year> to which I alerted them of. The company dismissed the issue stating the information is accurate even though the information is clearly available in previous statements. I have attached a copy of my XXXX credit report, a copy of the letter sent to several Executive employees as well as their negligent 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 2024-07-11 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: UT

Complaint narrative:
I am writing to follow up on my previous complaint regarding the issue of late open accounts. Despite multiple attempts to resolve this matter, the issue remains unresolved. I am now seeking assistance from you to resolve this matter. Please provide a detailed update on the status of my complaint and the steps being taken to correct the issue. I k, indly request from your help to correct these accounts : XXXX XXXX XXXX XXXX Balance : {$260000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00}.

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 explanation
Consumer complaint received 2024-07-11 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: NV

Complaint narrative:
ACCOUNT IS SHOW LATE PAYMENT WHEN I NEVER MISSED A PAYMENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
ACCOUNT IS SHOW LATE PAYMENT WHEN I NEVER MISSED A PAYMENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: MD

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away. 
XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00}

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 explanation
Consumer complaint received 2024-07-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
This is a formal complaint against Navient, LLC. My current private loan servicer is Navient formerly Sallie Mae. I will reach 20 years of repayment in 4 years. The original disbursement amount was {$39000.00} dating back to 2005 and present day, the balance totals {$66000.00}. While granted more options and relief for my federal loans, the private loans have reached substantial interest and fees. During repayment I have inquired about releasing of co signer and told I qualify to then be told upon asking for the application to then being told is not an option because I can not be in any repayment plan like rate reduction. I was previously placed in forbearance as the only available option when requesting assistance with trouble with repayment. To years later be granted a rate reduction, which is only extending the life of the loans, interest continuing to accrue, resulting in more debt as any payments made are only being made on the variable interest. Moreover, I was encouraged to take out student loans without being fully informed of the unfavorable terms, leading to significant financial hardship. These deceptive practices have caused me considerable distress, both financially and emotionally. I have always struggled with loan repayments there is zero outlook that any substantial dent will be made on the balance of the loans and foresee a lifetime of being in repayment. I am seeking discharge of all loans due to misconduct from responsible parties

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: IL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: IL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: OK

Complaint narrative:
Despite repeated efforts to have this issue addressed, the incorrect information remains on my credit history, causing undue harm to my creditworthiness and financial standing. I have made multiple requests to have this issue resolved, yet the inaccurate information persists in XXXX and XXXX Credit Bureaus. I have enclosed copies of my previous dispute letters for your reference. I kindly request that you conduct a thorough investigation into this matter and take immediate action to correct my credit report by removing this inaccurate late open account. Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and up-to-date credit information, and the persistence of this inaccuracy is a violation of my rights. I expect a written response from your bureau within 30 days of receiving this letter, in accordance with the FCRA. Please help me correct this account immediately : XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation