vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
I disputed with all three credit bureau and the remove as you can see below I changed and then they keep adding back and it keep disputing with both XXXX XXXX XXXX and CAVALRY PORTFOLIO in dispute Original creditor : CAVALRY PORTFOLIO SERVIC Result Changed Information updated on this item XXXX investigated your dispute and updated the information you flagged, as well as other information for this item, on your report. 
See my updated report I'm not satisfied with this result But then add back Item in dispute Original creditor : XXXX & XXXX Result Changed Disputed item deleted XXXX investigated your dispute and deleted this item from your credit report. 
See my updated report I'm not satisfied with this result Dispute reason Accuracy The contract related to this account has been cancelled. 
The balance and/or past due amount are/ is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
I have recently reviewed my credit report and noticed that there are some inaccuracies and fraudulent account activity and I'm requesting a review of the accounts.

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 2024-12-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Ray Skillman GMC Truck Inc
State: IN

Complaint narrative:
During my experience at Ray Skillman Kia, XXXX XXXX, a salesman, actively assisted in fraudulent and deceptive practices in violation of 15 U.S.C. 1692 ( e ) and 15 U.S.C. 1692 ( f ). Despite my good faith in applying for financing, another salesmanaware of my comfort with one individualaggressively placed his hands on me in an attempt to push me out the door. This deliberate action seemed designed to escalate the situation, as they knew I trusted the XXXX salesman and could later attempt to place blame on him if matters became physical. 

Furthermore, Ray Skillman Kia committed unfair practices, including fraudulent misrepresentation to both the bank and credit agencies. XXXX XXXX admitted to misleading me into signing for a credit pull for a vehicle I did not consent to, the XXXX XXXX, despite my clear intent to purchase the XXXX XXXX. These actions, including coercive payment methods and refusal to provide the approved vehicle, violate 15 U.S.C. 1692 ( f ) by charging unauthorized fees, threatening to unlawfully withhold property, and benefitting financially from my credit inquiry without providing me with the approved vehicle. 

The refusal to deliver the XXXX stems from their managers personal use of the vehicle, including storing personal items and using it during breaks. Additionally, their threats of involving an attorney were never followed through, further highlighting their false and misleading representations in violation of 15 U.S.C. 1692 ( e ). This includes falsely representing the nature of the transaction, threatening legal action they never intended to pursue, and knowingly providing false credit information to the bank. 

The use of my personal credit and Social Security number has not benefited me as the consumer but instead has provided financial credit and gain to Ray Skillman Kia. This clear invasion of my privacy violates the Consumer Credit Protection Act ( 15 U.S.C. 1600 et seq. ), which protects against abusive and unfair credit practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: MI

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-12-06 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: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/year>, I purchased a pair of shoes from an online company called XXXX XXXX. To this day, the order remains unfulfilled. Initially, I received communication every XXXX months stating that they were experiencing production delays. However, by the following year, communication became scarce, and the company became unresponsive to my calls. 

I then reached out to my credit card company, Discover, through which the charge was processed, and opened a dispute case. I provided all the documentation and communication I had with the merchant. Despite this, Discover refused to refund me the money, even though I have not received the product for almost XXXX years. 

I called and spoke with a supervisor and re-opened the dispute. Discover said they would get back to me, but it's been over XXXX months, and every time I call, they say they have not reached a decision yet. I feel like I am getting the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: HI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-06 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: MO

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I applied for an XXXX XXXX XXXX issued by, Concora Credit, after receiving a promotional offer. I was approved for a {$1000.00} credit limit on the Indigo card. On XX/XX/year> I logged in to my online Concora account and saw that there was a {$250.00} Annual Fee charge on the card. The total available credit showed {$1000.00}. When I received the physical Indigo card in the mail I activated it and then tried to use it at a retail store to make purchases. The card was declined twice. I called Concora Credit on XX/XX/year> and a customer service representative informed me that the account had been closed and that I would receive a letter explaining why. I asked the representative why this would happen since I never made any purchases with the card and the only transaction was the annual fee imposed by the company. The representative stated that he could provide no information on that and that the letter would explain. I asked if I would be liable for the {$250.00} annual fee charge since they closed my account and I had not made any transaction using the Indigo card. The representative again stated he could not provide me with any information on that and I would be getting a letter in the mail. In my online Concora account the Indigo card is still appearing as active with {$1000.00} credit limit and {$250.00} annual fee charge. I feel like I was scammed into accepting a fake credit card from Concora Credit which has impacted my credit score negatively.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I reserved a rental with XXXX XXXX for XX/XX/XXXX with a pickup time of XXXX local time. The estimate for this rental agreement was {$960.00} USD. 

At XXXX local time I received an automated email with my rental agreement with an estimate of XXXX Euros ( {$960.00} USD ). I arrived at the rental counter at approximately XXXX local time, and I was instructed to go directly to the vehicle lot located on XXXX XXXX to retrieve the vehicle. 

I was handed the keys to the vehicle and the pickup location of the vehicle. When we arrived at the lot to retrieve the vehicle, we found an XXXX representative standing by a partially closed garage door who took our keys out of a small XXXX envelope and handed those keys to me. She then pointed to the vehicle on the other side of XXXX XXXX and let us know that that was our XXXX. I proceeded to the XXXX and did a visual inspection of the vehicle, but the XXXX representative was gone and could not be found. I found considerable damage to the driver side of the vehicle which I took photos of. 


We dropped off the vehicle on XX/XX/XXXX at approximately XXXX local time in the same location we picked up the vehicle which was outside of XXXX business hours. Since XXXX was unattended, we were unable to discuss the existing damage with anyone at XXXX. On XX/XX/XXXX at XXXX local time, I received an invoice from XXXX along with a document containing pictures of damage to the driver side bumper. 

XXXX claims that I am responsible for the existing damage to the front driver bumper and valued the damage at XXXX Euros. 

I opened case # XXXX with XXXX on XX/XX/XXXX related to this false claim and I am awaiting a resolution. I opened up the dispute with Citi for the amount of {$450.00} which is the difference between overall charges of {$1400.00} and the rental charges of {$960.00} USD for the vehicle. 

XXXX has asked me on several occasions if I've opened a dispute with Citi while XXXX works on things on their side since it can take up to 90 days for them to resolve. Citi has not provided me the protections I expect to receive under our card holder agreement. Citi has refused to accept my dispute.

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 2024-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
I WAS XXXX FOREBEARANCE/DEFERMENT THROUGH XX/XX/year> I CAN NOT RETURN TO WORK UNTIL XX/XX/XXXX AND SENT XXXX EMAILS TO MOHELA ABOUT THIS ASKING/ PLEADING TO ADD XXXX MORE MONTHS, XXXX AND XXXX ONTO MY PREVIOUS FOREBEARANCE NOW I AM IN DEFAULT FOR XXXX AND XXXX AND DO NOT HAVE MONEY TO PAY UNTIL I GO BACK TO WORK XX/XX/XXXX AND CAN START PAYING IN XXXX BUT NO THE PAST TWO PAYMENTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: CA

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet XXXX deadline stated in your previous memo.

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 2024-12-06 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: CA

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet XXXX deadline stated in your previous memo.

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 2024-12-06 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: AZ

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} - Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} - Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} - Chargeoff XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} - Chargeoff XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} - Chargeoff

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: MI

Complaint narrative:
Car was turned over to XXXX XXXX on XX/XX/XXXX. XXXX immediately sold the vehicle but did not provide updates on balance and status. After reaching out to the company several times, I was finally given information with updated balance in XX/XX/XXXX, and told that it would be updated with the credit reporting companies within 30 days. Since then, I have been given a difficult time by this company, and they keep saying they will update the balance information with credit reporting agencies but have not. I have last spoken with XXXX on XX/XX/XXXX, and the issue is still not addressed. I have a letter from XXXX stating the updated balance.

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