vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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

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 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 2024-02-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I got a car from a dealer ship buy here pay. XXXX XXXX At the dealership I was told I would pay total {$17000.00}. For a XXXX XXXX XXXX XXXX that had XXXX thousands miles on it. After several attempts to refinance my car because the payments have been hard to maintain. So I stopped trying to refinance my car. Just so I knew I checked Credit Acceptance who has the account. On that app it says that I owe {$32000.00} total. And I have {$22000.00} left to pay. Which what confuses me because I check the value of my car with the miles of at what I bought it at. They are only worth {$9500.00}. I've had to fix the starter twice. I had to maintain everything that happened to.

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 2024-02-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: FL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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

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 2024-02-27 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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This Credit Card application ( ID XXXX ) is the 3rd FRAUDULENT attempt within a year, that XXXX XXXX has attempted to process, even though each was reported to them as fraudulent! 
I have frozen my credit line, & flagged it, so that even I, can not apply for credit without unfreezing, then refreezing! XXXX has been masterful with their alerts!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a complaint just a moment ago on a different matter against the credit bureaus, but I would like to submit a second complaint as I forgot to add this information on my previous complaint. 

I filed bankruptcy on XX/XX/2019. The bankruptcy is a legitimate public record and my debt at the time was discharged through bankruptcy. I am not fighting that I have a bankruptcy on my report. What I am disputing is charge-offs I have prior to me filing bankruptcy still showing as active charge-offs. When I submitted my disputes to the credit bureaus back in XXXX, I also asked the bureaus to correct my account information so the accounts which should be included in bankruptcy are reporting as included in bankruptcy. To this day, some of the accounts still do not show included in bankruptcy such as XXXX XXXX on XXXX XXXX. 

I would also like to complain against XXXX as they are not allowing me to view my credit report. I know my user name and password to their online website, but it does not let me view my current report. I then try the option to remember the username and password, and XXXX gives it to me, but then when I input what they just provided me, it pretends like I don't have an account with the information they just provided me with. How am I supposed to verify that my credit report is accurate if XXXX themselves won't let me view my report with the account I established through them?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: CA

Complaint narrative:
I submitted a complaint just a moment ago on a different matter against the credit bureaus, but I would like to submit a second complaint as I forgot to add this information on my previous complaint. 

I filed bankruptcy on XX/XX/2019. The bankruptcy is a legitimate public record and my debt at the time was discharged through bankruptcy. I am not fighting that I have a bankruptcy on my report. What I am disputing is charge-offs I have prior to me filing bankruptcy still showing as active charge-offs. When I submitted my disputes to the credit bureaus back in XXXX, I also asked the bureaus to correct my account information so the accounts which should be included in bankruptcy are reporting as included in bankruptcy. To this day, some of the accounts still do not show included in bankruptcy such as XXXX XXXX on XXXX XXXX. 

I would also like to complain against Experian as they are not allowing me to view my credit report. I know my user name and password to their online website, but it does not let me view my current report. I then try the option to remember the username and password, and Experian gives it to me, but then when I input what they just provided me, it pretends like I don't have an account with the information they just provided me with. How am I supposed to verify that my credit report is accurate if Experian themselves won't let me view my report with the account I established through them?

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 2024-02-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc.
State: NH

Complaint narrative:
See attached dispute complaint summary In addition, they contacts me over 8x per week, sometimes multiple times per day by telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a fraudulent account that has appeared on my credit report. I demand the immediate deletion of the said fraudulent account from my credit history 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 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This has been on going since XXXX  with no resolution at all! XXXX until XX/XX/2022 I had my maintenance automatically withdrawn from my Citibank checking account however the merchant says they never received my payments even though they were deducted out of my checking account. I filed a formal complaint with Citibank as well as the department of Finance but they were not able to assist me in refunding me for these payments. Citibank keeps saying they refunded me however the next month they charged my account back for the payments!

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 2024-02-27 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 contact the consumers reporting agency notifying them that there was inaccurate information on my report. They just responded that the information was verified. Without solving the true issue at hand that a debt collector was reporting false information on my report which was damaging my credit file. The debt collector reported that my payments status was payed as agreed to XXXX and XXXX, Meanwhile reporting to Experian that the status was 30days late two ( or ) three time. That statement is not a factual statement. This is my credit report that is at state. I need all factual and accurate information on my report only.

15 U.S. code 1681s ( A ) ( 1 ) A States A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. code 1681e States Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c. This title and to limit the furnishing of consumers reports to the purpose listed under section 1681b of the tile. 

The account listed below reported inaccurate information XXXX XXXX Account # 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 2024-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
SLS Has Violated Multiple multiple state and/or federal regulatory laws. 

They have : 1 ) Illegally Changed my Mailing address without my knowledge, so I would not receive any correspondance on my account.

2 ) Illegally Added an address that is not mine to my Account and Credit Report, so I would not receive any correspondance on my account. 
XXXX ) Did not send me XXXX XXXX to the correct mailing address required by XX/XX/XXXX. 
4 ) Form 1098 retrieved digitally has an address that was illegally used to update my information without my knowledge. 

Suit XXXX has been filed against Specialized Loan Servicing in XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX State of Louisiana. 
In addition agencies has/have being alerted of SLS 's servicing practices including : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington , D.CXXXX 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 2024-02-27 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
This is a formal complaint against Barclay Card XXXX, AA Advantage. 

I accidentally made too large of a payment ( the entire statement balance {$3600.00} ) in XX/XX/XXXX, leaving my new balance to be {$1300.00}. I called customer service requesting a refund in the amount of my statement balance payment of {$3600.00}. My XX/XX/XXXX statement reflects that on XX/XX/XXXX, the return of payment in the amount of {$3600.00}. It also reflects an additional NEW charge on XX/XX/XXXX from " Identity of Authorizer Unknown '' in the same amount of {$3600.00}. This error made my new balance {$8700.00}, Instead of what it should have been : {$5300.00} I called customer service and was immediately transferred to the fraud department. On XX/XX/XXXX, I received a letter of acknowledgment from the credit card company and was verbally told to not make any payments until they " figure it out. '' Now it is XX/XX/XXXX, and they have closed my account and are sending me to collections for lack of payment, regardless of them acknowledging their internal, double-charge mistake. This has also resulted in my credit being dramatically impacted, as well as several other of my credit cards reducing my spending limits. The new total, including interest and fees is over {$9000.00}, instead of what I actually owe, which is in the {$5300.00} range. I don't know what to do. I have spent over 28 hours on the phone with them since XX/XX/XXXX and have gotten nowhere. All of the hard proof and evidence is presented on my pdf statements.

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 2024-02-27 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 like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

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 2024-02-27 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:
in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX, Account number : XXXX, has violated my rights. 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 a 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-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 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