vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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: NY

Complaint narrative:
Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: NY

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/FORTIVA Account # XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Notice of Dispute Regarding Inaccurate Credit Reporting Dear Sir/Madam , I am writing to formally dispute the inaccurate information reported by Fortiva on my credit report. Specifically, it has come to my attention that you have reported a late payment for my Credit card account in XX/XX/2024. The reported delinquent amount is {$110.00} This information is incorrect, and I request that you provide proof of the alleged late payment. Please note that general statements or summaries are not considered sufficient evidence. I require detailed documentation or records that substantiate this claim. 

Additionally, I would like to inform you of the potential financial implications for Fortiva if this matter proceeds to arbitration due to your failure to resolve this dispute. Below is an itemized list of potential losses : 1. **Filing Fees : ** {$200.00} to {$500.00} 2. **Arbitration Costs : ** {$1000.00} to {$3000.00} 3. **Attorney Fees : ** {$1500.00} to {$5000.00} 4. **Administrative Costs : ** {$500.00} to {$2000.00} 5. **Potential Damages : ** {$1000.00} to {$10000.00} The total potential financial impact on Fortiva could range from {$4200.00} to {$20000.00}, depending on the specifics of the arbitration process and any awarded damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I recently reviewed my credit report and noticed that I have inquiries that I did not authorize.

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 2024-08-26 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I went to car dealership to purchase a car, I pulled my credit report from all XXXX bureaus ( Experian, XXXX and XXXX ) Experian credit score was over XXXX points lower than the other XXXX, XXXX credit score was over XXXX points lower on the dealership report than the report I pulled from their website on the same day, XXXX credit score did not reflect what was on the report the dealership pulled was XXXX points different the same day. A lawsuit needs to be filed against ALL XXXX credit bureau and XXXX XXXX. These companies are unfairly reporting information and miscalculating credit scores. My credit score on XX/XX/XXXX from XXXX was XXXX, Experian XXXX and XXXX XXXX no activity until XX/XX/XXXX and ALL XXXX are under XXXX points.

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 2024-08-26 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-08-26 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
EXETER XXXX XXXX denied me an extension of credit after accessing my credit. According to XXXX XXXX XXXX ( k ) ( XXXX ) which defines adverse action, one can be denied insurance and one can be denial employment. No where within XXXX XXXX XXXX XXXX- Congressional findings and declaration of purpose, does it say one can be denied an extension of the own credit. Furthermore, XXXX XXXX XXXX XXXX - Scope of prohibition states within ( a ) Activities constituting discrimination, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( XXXX ) on the basis of race, XXXX, XXXX, XXXX XXXX XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( XXXX ) because all or part of the applicants income derives from any public assistance program ; or ( XXXX ) because the applicant has in good faith exercised any right under this chapter. Applying for credit extension using my open ended credit plan ( social security number ) through, EXETER XXXX XXXX XXXX XXXX Consumer and Lender into XXXX consumer credit transaction therefore a finance charge arose. Dealership states this bank is requiring a down payment for the financed purchase of vehicle, which is not in accordance with XXXX XXXX XXXX - XXXX charge. I received no disclosures regarding any adverse action, the finance charge and its cost and terms, the requirement of a down payment nor the statement of reasons as to why I've been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
My student loans were transferred to mohela service in past few months. I was advised by mohela to re certify or update my XXXX XXXXXXXX plan in XXXX of 2024 which i did. My payments have been in ~ {$580.00} range. Beginning of XXXX they collected ~ XXXX from my bank account as it was set up as autopay. I called right away and was told my loans are going though transition and to call back once that is done which i did, I spoke to supervisor and she said that i do not need to fill another application, i will get me refunds and to make another payment of my monthly regular payments and she will put my loans in forbearance to review my account. Nothing happened, i sent message through account and i called over XXXX times no one can tell me whats going on. XXXX weeks ago i spoke to another supervisor and she said that she doesnt see any of this on my account except i was put in forbearance and no review yet. I was on phone with her for over on hour she promised that my case will get esclated, she will file another review and request someone to call me in 5 days and none of this happened. Now my account says i am due to pay XXXX on XX/XX/XXXX. I filed two complains over a month ago with studentaid.gov and no one has reached out to me. I am really tired and sick of this i have not had any issues with my loans in past and never had to go through this. I am A XXXX XXXX  worker who now have to worry everyday and XXXX about this as if i dont pay it my loans will go into default

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: Accscient, LLC
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Untimely response
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is Spelling my name wrong on my credit report XXXX XXXX XXXX - ID 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 2024-08-26 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To : MIDLAND CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re Acct # XXXX This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting : -ORIGINAL PURCHASE AGREEMENT that shows you are the legal owner of this alleged debt. 
-Insurance claim of the debt. 
-The XXXX with the original creditor -Statute of limitations and last pay-missed on the debt. 
-Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
-Complete documentation of all assignments and chain of custody showing the transfer of the debt. 
-Proof that the original creditor securitized the debt. 

I am also requesting any type of document that proves your company has the authority to collect debts in my state.Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] if you can not validate the debt, you must request that all credit reporting agencies delete the entry immediately. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : -Defamation -Violation of the Fair Credit Reporting Act 15 U.S.C 1681 section 611 ( a ) ( 1 ) ( a ) You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq, this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. 

Thank you in advance for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: CA

Complaint narrative:
my name is XXXX XXXX XXXX a victim of id theft, i have reviewed my credit report and i have discovered some unauthorized fraudulent inquiries listed on my report.i have no clue who these creditors are.i never gave them permission to pull my credit.please remove the fraudulent inquiries comenity bank XXXX XX/XX/2022, XXXX  XXXX via dealer XX/XX/2022, XXXX XX/XX/2022 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On XX/XX/year> I entered into a settlement proposal with Barclays for my Frontier Airlines XXXX XXXX account. Per the date of the settlement my account balance was {$3900.00} and the settlement amount was {$1300.00} ( 35 % of my current balance ). I had payment scheduled over 90 days in the following amounts {$130.00} ( to be paid by XXXX XX/XX/year> ), {$130.00} ( to be paid by XXXX XX/XX/year> ) and {$1100.00} ( to be paid by XXXX XX/XX/year> ). After a 15 day waiting period and the validation of funds the account was supposed to be settled for an amount less than the full balance and my credit report was to be updated accordingly. 

On XXXX XX/XX/year> I called into Barclays to make the first payment per our agreed upon payment arrangement and was advised that the payment could not be made because on XXXX XX/XX/year> the account had been transferred to an outside collection agency. However, I do not understand how my account could be transferred to an outside collection agency given the fact that we were in a contract and the terms of the contract had not been broken. Now in addition to Barclays reporting negatively on my credit report I also have a collection that has been reported as well. 

I filed a XXXX complaint against Barclays regarding this matter and have been contacted by the office of the president. They state that the account was transferred in error but were not willing to re-establish and amend the terms of the payment arrangement to appropriately accommodate the grave error they have committed. 

At this point I would like the settlement reinstated, have the balance lowered and receive a deletion as a result of the error.

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 2024-08-26 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: TX

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed 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 non-monetary relief
Consumer complaint received 2024-08-26 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: MN

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