vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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: NY

Complaint narrative:
I received notification from XXXX XX/XX/2024 that my credit score dropped drastically, XXXX points. I reveiwed the information on XXXX and it stated that my student loans had increased. I called XXXX the loan carrier, because I am in an IDR until XX/XX/2024. I am not sure why all of a sudden I would have negative information being posted to the credit bureaus. I have not had anything like this happen in the past with my student loans. I spoke with a representative with XXXX and she stated they don't have any control over what the credit bureaus do with my credit score. I tried to explain it was because of the information XXXX provided them. I filed a disupte with XXXX. That did not make a difference, in fact I had to call XXXX a second time because they didn't do anything with my complaint. I called XXXX back XXXX explaining again that the way they are reporting my status is affecting my XXXX score. Today I received notification from XXXX that my credit score dropped XXXX points due to my student loan has increased. I called XXXX today XXXX and wanted to speak with a supervisor. After spekaing with a representative and being put on hold my call was disconnected. I called XXXX back and spoke with a representative that was going to escalate the issue. I verified with the representaive, being in and IDR should not affect my credit score, my student loans will always be on my credit report, until paid off, but while in IDR that should not affect the score. I was turned down from a local bank for a business loan because of the reporting of my student loan. I have asked over and over that they please check into this issue of incorrect reporting to the credit bureaus. Today is the first time XXXX representaive has sent my information on to someone who has the ability to see what is going on. This has had a negative impact on my situation on trying to open up my business. I have not been able to get lending due to the recent information being provided to all three credit bureaus.

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 2024-04-08 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I would like these inquiries to be deleted because I did not authorize these companies to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I would like these inquiries to be deleted because I did not authorize these companies to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

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 2024-04-08 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
I looked at my credit report and there were 7 reports on there that I did not do. There were 7 open credit cards that I never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: GA

Complaint narrative:
I have received notification back from the Bankruptcy Court. They informed me that they do not provide Information to third parties, and that Under the Privacy Law of XXXX and the opt out Law states that any authorization that they believe that there is no longer and it needs to be removed Immediately. I did not consent nor give permission. If they said i did i do opt out. This was discharged on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: CA

Complaint narrative:
On XXXX, I contacted XXXX XXXXXXXX XXXX XXXXXXXX XXXX to make a payment arrangement for a debt I owed and wanted to repay. The original creditor was XXXX XXXX XXXX XXXX XXXX for a XXXX debt. I was transferred from the phone number I had for XXXX to XXXX XXXX, so I made payment arrangements with them. The arrangement was made with rep XXXX XXXX on XXXX, for an XXXX debit of {$25.00} a month to begin repayment of this debt, account number XXXX. Monthly debits began coming out of my checking account for this arrangement. On XX/XX/ XXXX XXXX I noticed that payments had not been deducted from my checking account for this monthly debit. I called XXXX but the XXXX XXXX XXXX phone number was reported by XXXX to no longer be in service. I then looked up XXXX on the internet, which took me to a news article for CFPB which stated that XXXX XXXX XXXX was no longer in business, that they had been sued by CFPB, closed down and fined. 

I would like for the three reporting agencies to remove this item from my credit reports. This is due to the fact that this company is not legitimate anymore and I will need to figure out who now has the debt and start over to get it paid back. Whether or not a new debt collection agency will report this debt to the credit bureaus has yet to be determined. 

Thank you for your assistance with this matter. I really appreciate your 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 2024-04-08 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: CA

Complaint narrative:
On XXXX, I contacted XXXX XXXX XXXX XXXXXXXX XXXX to make a payment arrangement for a debt I owed and wanted to repay. The original creditor was XXXX XXXX XXXX XXXX XXXX for a medical debt. I was transferred from the phone number I had for XXXX to XXXX XXXX, so I made payment arrangements with them. The arrangement was made with rep XXXX XXXX on XXXX XXXXor an auto debit of {$25.00} a month to begin repayment of this debt, account number XXXX. Monthly debits began coming out of my checking account for this arrangement. On XXXX XXXX XXXX, I noticed that payments had not been deducted from my checking account for this monthly debit. I called XXXX but the XXXX XXXX XXXX phone number was reported by XXXX to no longer be in service. I then looked up XXXX on the internet, which took me to a news article for CFPB which stated that XXXX XXXX XXXX was no longer in business, that they had been sued by CFPB, closed down and fined. 

I would like for the three reporting agencies to remove this item from my credit reports. This is due to the fact that this company is not legitimate anymore and I will need to figure out who now has the debt and start over to get it paid back. Whether or not a new debt collection agency will report this debt to the credit bureaus has yet to be determined. 

Thank you for your assistance with this matter. I really appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
On XXXX of XXXX  a few months after my XXXX birthday, I unknowingly had a credit card opened in my name with Capitol One Bank. I was unaware of the fact that this happened due to my lack of knowledge on how to check my credit score. I would always try to apply for credit cards, but they wouldn't approve me, and I didn't understand why. It wasn't until about 3-4 years later that I spoke with someone from the bank. They informed me that I had a line of credit on my name for the amount of XXXX. I have tried to report the fraud to the company multiple times as well as report the fraud to all credit bureaus. Yet the debt has still not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: NY

Complaint narrative:
Upon reviewing my credit report, I discovered that there are several false accounts listed that do not belong to me. 
The presence of these false accounts on my credit report is damaging my credit score and reputation unfairly. 

The following accounts in question : LXXXX 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 2024-04-08 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:
Upon reviewing my credit report, I discovered that there are several false accounts listed that do not belong to me. 
The presence of these false accounts on my credit report is damaging my credit score and reputation unfairly. 

The following accounts in question : 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 explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-04-08 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: NC

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: GA

Complaint narrative:
I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

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 2024-04-08 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: GA

Complaint narrative:
I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

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 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments Ive attached a copy of my report.I 'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments Ive attached a copy of my report.I 'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time 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 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: NC

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

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 2024-04-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I sent {$200.00} to a person who portrayed themselves as being individuals selling furniture online in a XXXX group. I interacted with an individual online who told me that I needed to make a deposit to hold furniture I was interested in buying. I was told I would be sent their address once the deposit was made on that weekend. At first the selling told me they'd received my payment and once it was time to pick up the furniture I was told they didnt receive the money I sent them through my cash app account. On my cash app it showed the amount was definitely sent to this person. I contacted cash app to reimburse me and to let them know I had been scammed. Cash app did Nothing and told me to just report this particular account as scam. Cash app did nothing further than that! I lost {$200.00} and didnt receive any furniture! I asked the seller to refund my money but they acted as if they never received it and refused my request. Cash app says that when a transaction is complete its nothing they can do! So they do not protect their customers from fraud situations like this they just allow your money to be taken and go about their business! Now the person I dealt with on this XXXX account has a different name than the name on this cash app I sent. Somehow they are connected and scamming others with this cash app account!

Company response to consumer: Closed with explanation