vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-04-15 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: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm receiving calls soliciting " hardship '' payment modification for sba covid loans. My credit information should not be shared with anyone as it is not accurate. Stop all credit monitoring services. I will never do any business with an American bank for as long as I live and so I don't want them stalking me and lying to people telling them i'm not making payments or im experiencing " hardship. '' If anyone is experiencing " hardship '' is it XXXX. They stole my collateral, arrested their own guy and are putting on a show trial to pretend they are not bankrupt. I want Transunion to say, " we don't collect credit information on that individual '', if anyone asks. And that is it. Everything else is an invasion of my privacy that I have not consented to, and it is aiding and abetting ongoing criminal activity within major banks and the federal government.

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 2024-04-15 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: DE

Complaint narrative:
Mortage company XXXX. Filed for XXXX XXXX XXXX in XX/XX/XXXX in Delaware. XXXX stopped reporting made payments shortly after. After I realized they stopped reporting I made several attempts to get them to report to the 3 credit bureaus. It is not a federal law preventing them from reporting just an internal memo from XXXX itself. I was made aware from XXXX the only way to get the bankruptcy removed and have XXXX start reporting again was to refinance with a new loan number. I tried that in XXXX and was denied by XXXX for lack of revolving credit. I have had multiple disputes with all 3 credit bureaus to get the balance and made payments correctly adjusted. I have attached year end XXXX, XXXX, and recent monthly statement to back up my claim. I have had no success as it shows closed on credit reports with missing/incorrect information. This has caused irreputable harm to my credit and will never be able to obtain a loan again also scores have dropped very low, XXXX is now a XXXX. I have never had any missed payments in the 4 years since filing for bankruptcy. Please force them to report accurate information showing updated balance and made payments on time. XXXX has confirmed the bankruptcy will always be attached to my loan number. They will never report again even after bankruptcy is complete. And according to them I will never be able to re finance because of no 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 non-monetary relief
Consumer complaint received 2024-04-15 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: DE

Complaint narrative:
Mortage company XXXX. Filed for chapter XXXX bankruptcy in XX/XX/XXXX in Delaware. XXXX stopped reporting made payments shortly after. After I realized they stopped reporting I made several attempts to get them to report to the 3 credit bureaus. It is not a federal law preventing them from reporting just an internal memo from XXXX itself. I was made aware from XXXX the only way to get the bankruptcy removed and have XXXX start reporting again was to refinance with a new loan number. I tried that in XXXX and was denied by XXXX for lack of revolving credit. I have had multiple disputes with all 3 credit bureaus to get the balance and made payments correctly adjusted. I have attached year end XXXX, XXXX, and recent monthly statement to back up my claim. I have had no success as it shows closed on credit reports with missing/incorrect information. This has caused irreputable harm to my credit and will never be able to obtain a loan again also scores have dropped very low, XXXX is now a XXXX. I have never had any missed payments in the 4 years since filing for bankruptcy. Please force them to report accurate information showing updated balance and made payments on time. XXXX has confirmed the bankruptcy will always be attached to my loan number. They will never report again even after bankruptcy is complete. And according to them I will never be able to re finance because of no credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: DE

Complaint narrative:
Mortage company XXXX. Filed for XXXX XXXX XXXX XXXX XXXX XXXX in Delaware. XXXX stopped reporting made payments shortly after. After I realized they stopped reporting I made several attempts to get them to report to the 3 credit bureaus. It is not a federal law preventing them from reporting just an internal memo from XXXX itself. I was made aware from XXXX the only way to get the bankruptcy removed and have XXXX start reporting again was to refinance with a new loan number. I tried that in XXXX and was denied by XXXX for lack of revolving credit. I have had multiple disputes with all 3 credit bureaus to get the balance and made payments correctly adjusted. I have attached year end XXXX, XXXX, and recent monthly statement to back up my claim. I have had no success as it shows closed on credit reports with missing/incorrect information. This has caused irreputable harm to my credit and will never be able to obtain a loan again also scores have dropped very low, one is now a XXXX. I have never had any missed payments in the 4 years since filing for bankruptcy. Please force them to report accurate information showing updated balance and made payments on time. XXXX has confirmed the bankruptcy will always be attached to my loan number. They will never report again even after bankruptcy is complete. And according to them I will never be able to re finance because of no 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 2024-04-15 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: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding inaccurate reporting of late payments from XXXX XXXX XXXX  on my credit report for account XXXX. According to Equifax 's records, I have been marked as 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX However, I believe this to be a billing error and wish to contest these claims. 

As per the Fair Credit Billing Act, creditors are required to send billing statements at least 21 days before the due date. I did not receive any billing statements from XXXX XXXX XXXX for the aforementioned months within this timeframe. Therefore, I contend that the reported late payments are invalid. 

I kindly request that Equifax provide evidence to support their claim that I received the billing statements at least 21 days prior to the due dates. Specifically, I ask for a copy of the certified receipt with my signature acknowledging receipt of the statements. Without such evidence, the reported late payments should be updated to paid on time on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I would like to emphasize that this discrepancy not only damages my credit score but also violates my rights under the Fair Credit Billing Act, specifically 15 U.S. Code 1666 ( b ). 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action to rectify the situation. Please keep me informed of any developments regarding my complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax provides a 3rd party income and employment verification service referred to as The Work Number. As a consumer, I'm supposed to be able to request a copy of my report. In order to request the report, you have to first request access to the secure email portal by emailing XXXX No one has responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-15 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: LA

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX  Reported : XXXX XXXX XXXX {$3000.00} Closed I have an installment loan on my credit report that I dont have any acknowledgment of or didnt apply for I need this deleted or remove soon as possible it is hindering me from growing with possible lenders thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: TN

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  Reported : XXXX XXXX XXXX {$3000.00} Closed I have an installment loan on my credit report that I dont have any acknowledgment of or didnt apply for I need this deleted or remove soon as possible it is hindering me from growing with possible lenders thanks

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 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2024, I received a text message and email from Capital One asking if I had just authorized a purchase at XXXX for {$3400.00}. I had not authorized this charge, and I responded that I had not. I then received another text letting me know that my debit card was now restricted to avoid fraud. Worried, I immediately checked my Capital One 360 checking account. I found four charges that I did not recognize that were made on XX/XX/2024, totaling {$5900.00}. I could not find my debit card and at this point knew that it had been stolen. I called Capital One within minutes of discovering the unrecognized transactions. I explained to the Capital One Consumer Protection Associate that my debit card had been stolen. I was informed that the pin number was used, and I let them know that that was stolen as well. I recall that on the XXXX, I was being watched while using the ATM at my local Capital One branch. I believe the pin was stolen either through electronic or visual surveillance. I let the associate know that the transactions had taken place many miles away from my home area, and that I have several witnesses that can attest that I was not in the cities where the fraudulent transactions took place. The associate created claim number XXXX. 

On XX/XX/2024, to my dismay, I received notice through email that my claim was denied by Capital One, citing the reason, " Due to your assertion about the debit card possession and transaction information. '' Again, I called Capital One and was told that the decision was made because the card was used. Well, yes, it was stolen and used!

I believe that Capital One 's denial of my fraud claim is unjust and violates the Electronic Fund Transfer Act ( EFTA ) which provides protections for consumers in cases of unauthorized transactions. Under the EFTA, I am entitled to timely notification of unauthorized transactions and protection from liability for such transactions if reported promptly. 

I have taken all necessary precautions to safeguard my debit card and account information, and I promptly reported the unauthorized transactions as soon as I became aware of them. It is evident that these transactions were made fraudulently, and I should not be held liable for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), this letter is a formal request to correct inaccurate information contained in my credit file. The items listed below are incomplete and misleading. I requested proof of late payments through letter in XXXX XXXX XXXX no proof was given by credit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a text from XXXX XXXX XXXX XXXX  that stated they are a XXXX XXXX XXXX XXXX XXXX XXXX, they furnished a link XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I called the number and the guy I spoke to told me that it was collection for XXXX of which is an internet provider that I have never used. The person said it was for XX/XX/XXXX. I could not understand him so I really do not know what ALL he said. I then found information on the company that this could be a SCAM. 


The Account number that was attached to this is XXXX XXXX XXXX 

Just Note, I get Free Internet at my Home as the Communication Tower is located on my Property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: GA

Complaint narrative:
XXXX XXXX is reporting a credit card account on my credit file with XXXX, XXXX and Experian that wasn't authorized by me. I've asked all parties including XXXX XXXX to provide me with signatures, identification used to make transactions that i did not authorize. I asked Experian, XXXX and XXXX to reinvestigate in XXXX  and nothing was done. As a consumer all parties violated my rights as a consumer per the Fair Credit reporting Act. 15 USC 1681i ( 5 ) ( A ) was violated and therefore the XXXX 's account has to removed from my credit file within 3 days according to the Fair Credit Reporting Act. Please remove XXXX 's account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I am paying for a loan with credit acceptance I was told that I could refinance for a lower interest rate. The amount financed was XXXX. 
My finance charges was XXXX for a total XXXX. On a XXXX with XXXX miles subtract my down payment of XXXX I am still left owing XXXX. I had the truck XXXX months maybe and had to sink another XXXX because of the mechanical issues. I have been paying on this truck my credit isnt any better they not reported anything XXXX cant get refinanced. I cant trade it in be Ouse of what I owe

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 2024-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
XX/XX/2024 PayPal closed my business account. They said I violated their user agreement but they wont tell me exactly what part of the agreement or how I violated it. I have repeatedly asked for an explanation and they have not given me one.

Today PayPal withdrew {$2100.00} from my business checking account with zero explanation. I have asked for an explanation and they have not given me one. 

I used PayPal to make legitimate sales of digital products in my online business. I offer a transparent refund policy and I respond to all customer service requests. I am a legitimate business and I have not violated any PayPal policies that I am aware of. If any policies have been violated that I am unaware of, I will gladly do whatever it takes to fix those violations. PayPal will not give me an answer. They closed my account, took my money, and theres nothing I can do about it. 

Please help me recover these funds from PayPal and get an explanation as to why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: NC

Complaint narrative:
I was looking to my credit report and noticed that there were hard inquiries that are not mine there.

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