vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I have filed a previous complaint with XXXX, XXXX, and Experian with no response. I submitted various letters to the above reference bureaus on different dates, with the last date to be given on XXXX, Can you please assist me in fixing the error. 

These are the facts : : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report 3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. This is a duplicate account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
6. The following account is not mine XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report 8. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9.  The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. This is a duplicate account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
11. The following account is not mine XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it 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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been working on my Equifax credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. 

I am relocating for work and in doing so I had to pull my credit reports and found there were multiple addresses that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Thank you for your prompt attention to this matter. 


The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: SC

Complaint narrative:
I continue to receive debt collection letters from Frost Arnett. They give no information regarding what services they are collecting for. I've contacted the hospital in question and they have no reference of the account numbers Frost Arnett uses nor does the hospital show any balance for the dates or patient listed. Additionally, the hospital shows no record of any request for Frost Arnett to collect on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
A merchant charged my bank account, even they were not supposed to. The merchant agreed to send the money back but they needed communication back from my bank to accept the money so I can get my refund. My bank is refusing to communicate with the merchant and block me getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, my online XXXX XXXX account was compromised and someone made a purchase for {$600.00}. The item was picked up via curbside according to the XXXX XXXX website. I immediately contacted Comenity Bank. Today, XX/XX/XXXX, I noticed a chargeback to my account on XX/XX/XXXX for this transaction. I called Comenity and they said I was liable. I dont know how that could be, my phone was stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Integra Auto Capital
State: MI

Complaint narrative:
I made a promise to pay for Monday the XXXX. I got an email telling me to make sure its paid by XXXX that day. I made the payment that day XXXX the next morning I went to go to work and my car was repossessed and that they said I cant get it back. I cant get anyone to talk to me about it. The only man that seems to answer the phone doesnt want to listen or even care about my situation. He tells me that they said XXXX XXXX  on the XXXX but I got proof in email letters that it said XXXX XXXX Im walking and have XXXX  children now I lost my job and about to lose my storage because they took my car that i made a payment on. I dont understand how they can do that to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Good afternoon on XX/XX/2023 Equifax dropped by score by XXXX points. I have been questioned numerous times and filed a complaint. still, nobody is able to give a reason why my credit dropped XXXX points. 

Hope you can help me with this issue. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I found out there were two hard inquiries from Mazda and another from Mazda XXXX. I called Mazda XXXX in sales department. The representative informed me there was an application with my driver license for get a car. This application was from XXXX broker with phone number XXXX. I also got a call from Mazda credit department that if I attempted to buy a car and I said no and please dispute two hard inquiries to credit bureau and she said she cant do that. Apparently, someone is using my identity and license to buy a car but Mazda wasnt helping me with solving issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was shopping with a local merchant who was selling hair. I paid in person for my order to be shipped to me. I was discussing and deciding if and how much money I would spend when the vendor asked to see my phone and paid herself. I still had not decided and she knew what she was doing. She blocked me on all social media and refused to send the money back. I sent the money through XXXX XXXX from my chime checking account. I reached out to both chime and XXXX. Ultimately its chime that started to investigate and they denied me. There were some I transactions for Arline tickets. I disputed the transactions and my dispute was denied the same day it opened. More airline charges were made and I made a dispute and the funds were returned due to fraud. The airline transaction was from the same merchant of the dispute that got denied. Another thing, when I placed the dispute for the airline I was told my card would be closed and replaced but days later someone was still able to used my card to make purchases. I contacted chime about it and they closed my account with no real explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, 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 have tried to resolve this with TRANSUNION, their website will not allow me to upload supporting documentation. They will not allow me to email them this documentation. I do not have transportation to get to the mail or print this documentation. I am a victim of identity theft. They continue to repot damaging information which is a result of fraud although I have identified that the accounts were opened fraudulently. I have received notification from XXXX that they have closed the account after I sent them supporting documentation of the fraud, however, TRANSUNION continues to report it. 

There are 2 fraudulent accounts on my credit report XXXX XXXX XXXX XXXX XXXX 15 US Code 1681c-2 states " a consumer reporting agency shall block the information in the file that THE CONSUMER identifies as information that resulted from an alleged identity theft, not later than 4 business days '' I have called multiple times and have sent in documentation of the identity theft several times since 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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have an ongoing problem with our mortgage company XXXX ( XXXX ) which has been going on since XXXX. I had filed a XXXX  XXXX in XXXX of XXXX which ended in XXXX XXXX. At the end of my XXXX  XXXX XXXX / XXXX had merged and informed my attorney I needed to pay them another XXXX. Or my XXXX  XXXX would not be closed. I had taken money from my tsp and paid the amount they stated I needed to pay to finalize my XXXX  XXXX. 
Since my XXXX  XXXX has ended they have reported to the credit reporting agencies that I have been late/ behind on my mortgage with them for the past 4 years. 
They had applied my monies to my escrow account instead of mtg. I have called them numerous times about this over these years trying to get this resolved with no success. I send my payment every month certified so I know when they receive my payment and they are not late. They have falsely reported this to the the credit agencies therefore affecting my credit. I have an ARM mtg which they have now moved up to 10.2 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: VA

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : I.C. SYSTEM, INC XXXX XX/XX/XXXX {$2900.00} Untitled XXXX XX/XX/XXXX {$750.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Further, my personal information is incorrect as listed. 

My name is spelled XXXX XXXX, Address : XXXX XXXX  XXXX XXXX, XXXX, South Dakota XXXX. NO other names or addresses are associated with my or my consumer account. All direct violations of my privacy. and 15USC1681. You have never had my permission, written or expresses or implied to have this information.

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: AL

Complaint narrative:
Yes a entered a contract with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for the lease of a XXXX XXXX XXXX XXXX For the Sum of XXXX. I applied XXXX down with payment arrangements for XXXX for XX/XX/XXXX and XX/XX/XXXX and then fjor XXXX ( which ended up being XXXX every two weeks because I submitted on line and they charged a fee for this.I made payments every two weeks up until XX/XX/XXXX due to I was unable to get ahold of XXXX XXXX to make payments and the dealership where I got the car was closed. That is when I found out they had closed down nation wide. I was told a company called Westlake Portfilio Management took over the loans. I finally receive a letter in regular mail on XX/XX/XXXX. Stating the I owe them XXXX and was past due XXXX. I tried contacting them and I have been unsucessful until XX/XX/XXXX when I finanlly reached them requesting a credit rating letter which they sent immediatly to my email. but when I started questioning them about the amount owe and where they got that fiqure since I had made payments every 2 weeks for a year and the orginal contract was for XXXX they hung up on me. and I have not been able to get them to answer. I have tried to trade car but dealerships don't know who they would get final pay off from or who to send it to. It is not showing up on my credit report as of date, not even ehere I have paid for a year. This is very fustrating when I done everything in the contract and I am being told by a debt collector not a bank or loan company that I owe more than my contract even started out as.

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