vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently obtained my credit reports from all three major credit bureaus, and I noticed that the information regarding the late payment on the aforementioned account is inconsistent among them. Both XXXX and XXXX have already updated their reporting to reflect the accurate status of the account, removing late payments. However, your bureau continues to report an inaccurate late payment. I was the victim and Im not sure why the XXXX is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand that credit reporting agencies are obligated to provide accurate and up-to-date information. Inconsistencies such as this can have a significant impact on my credit score and financial well-being. Given that the other XXXX credit bureaus have already rectified this error and updated their reporting, I kindly request that you follow suit and correct the information on my credit report to accurately reflect the status of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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:
XXXX is playing games they lied I paid this off on XX/XX/XXXX per collection agency theyre telling me its gon na take 90 days for my credit report to update this information is an accurate. Please delete this from my credit report. I deleted this I want this removed from my credit report. This is in accurate information. This is illegal. they lied to me they told me that it would be deleted when I paid and reversed and they recorded my conversation and when I called back, they told me this its not coming off and it was gon na take 90 days for them to update my credit report. This was paid for deletion.

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 2023-12-26 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: VA

Complaint narrative:
I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX 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 2023-12-26 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: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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:
It has come to my attention that these items are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any items are reporting inaccurately on my credit report they should be removed immediately XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XX/XX/2023 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 2023-12-26 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:
It has come to my attention that these items are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any items are reporting inaccurately on my credit report they should be removed immediately XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this letter finds you in good health. I am writing to bring to your attention an issue regarding my credit report. Upon reviewing my credit history, I have identified an entry that appears to be inaccurate and is affecting my credit score adversely. I am writing to request the correction or removal of the late payment entry associated with my account. 

Below are the details of the late payment entry : XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. 

Upon careful examination of my financial records, I believe there has been an error or misunderstanding regarding this late payment entry. I am confident that the payment in question was made on time, and I would like to request an investigation to rectify this discrepancy promptly. 

Maintaining an accurate credit history is crucial to my financial well-being, and I am committed to resolving any discrepancies promptly. I kindly request your assistance in investigating and correcting this matter as soon as possible. Once the investigation is complete, I would appreciate it if you could provide me with written confirmation of the actions taken to rectify the late payment entry on my credit report. Additionally, if there are any further steps I need to take, please advise me accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my extreme frustration and concern regarding a critical matter that demands your immediate attention. It has come to my notice that there are instances of identity theft on my credit report, and I demand that you take swift action to rectify this situation without any further delay. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

Upon recent scrutiny of my credit report, I discovered fraudulent entries that are severely impacting my credit score. It is absolutely unacceptable that such inaccuracies persist on my credit profile, jeopardizing my financial well-being. I have attached a copy of my credit report highlighting the fraudulent items for your reference. 

Identity theft is a serious violation, and I expect TransUnion, as a reputable credit bureau, to address this matter with the urgency and severity it deserves. The fraudulent entries include : XXXX XXXX XXXX XXXXXXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXXXXXX XXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand the immediate removal and deletion of these fraudulent entries from my credit report. This is not only a breach of my financial security but also a violation of the trust I place in TransUnion to maintain accurate and secure credit information. I have taken steps to report this identity theft to the relevant authorities, and I expect your full cooperation in expediting the investigation and resolution of this matter. 

Failure to comply with this request will leave me with no choice but to explore legal avenues to protect my rights.

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 2023-12-26 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: CA

Complaint narrative:
Equifax has violated my federally protected consumer rights under the Fair Credit Reporting Act. They have violated my rights by furnishing transaction details [ 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) between the person ( means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ) and consumer ( me ) without my prior consent, pursuant to Title 15 U.S.C. 1681b ( 2 ). According to Title 15 U.S.C. 1681c ( 5 ), " no consumer reporting agency may report any consumer report containing any adverse item of information, other than records of conviction of crime '', yet they furnished negative item transactions on my report on a disputed debt. By violating 15 U.S.C. 1682b permissible purposes and 15 U.S.C. 1681c information contained in consumer reports, they have violated compliance procedures under 15 U.S.C. 1681e. Equifax has willfully violated my consumer rights and is liable to civil suit under 15 U.S.C. 1681n. They are also liable to civil liability for negligent noncompliance under 15 U.S.C. 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am writing to dispute and request corrections to the inaccurate information on my credit report. It has come to my attention that there are errors in the reporting of certain accounts, and I kindly request a thorough investigation and rectification of these issues : Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX, and Dept Of Ed/Nelnet XXXX XXXX I was the victim in this situation, and I am perplexed as to why this credit bureau is not complying with the law, especially considering that other bureaus have followed suit in correcting these inaccuracies. I expect a thorough investigation into these matters and prompt corrective actions. Please provide me with written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: IL

Complaint narrative:
Account XXXX does not belong to me was opened fraudulently. Account needs blocked and deleted due to identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
Account Bridgecrest was opened fraudulently. This account was not opened by me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — I do not know
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 express my extreme dissatisfaction and urgency in addressing a critical matter that requires your immediate attention. It has come to my attention that there is a fraudulent account tarnishing my credit report, and I demand an aggressive and immediate deletion of this erroneous entry. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit.

Im very confused why this one seems to ignore my requests. The presence of this fraudulent account on
my credit report is not only an inconvenience but a blatant violation of my financial security. I refuse to accept any delays in rectifying this situation, and I insist that you take swift action to remove this fraudulent account without further delay. 

Details of the fraudulent account are as follows : XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 

The presence of a fraudulent account on my credit report poses a serious threat to my financial well-being, and I will not tolerate any further delays in resolving this matter. Failure to comply with this request will leave me with no choice but to escalate this issue through legal channels to protect my rights. 

I insist that Experian treat this matter with the utmost urgency and professionalism. I anticipate your immediate attention to this issue and a satisfactory resolution in the shortest possible time. 

I expect your prompt response.

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 2023-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
I recently obtained my credit reports from all three major credit bureaus, and I noticed that the information regarding the late payment on the aforementioned account is inconsistent among them. Both XXXX and XXXX have already updated their reporting to reflect the accurate status of the account, removing late payments. However, your bureau continues to report an inaccurate late payment. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
CIG FINCL XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand that credit reporting agencies are obligated to provide accurate and up-to-date information. Inconsistencies such as this can have a significant impact on my credit score and financial well-being. Given that the other two credit bureaus have already rectified this error and updated their reporting, I kindly request that you follow suit and correct the information on my credit report to accurately reflect the status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite my efforts and the escalation of this matter, the erroneous account remains on my credit report. This situation has caused significant distress and financial harm. Furthermore, I recently discovered the sudden appearance of Fraudulent Account on my credit report, which was not reported by other credit bureaus. I am puzzled as to how such unverified information has stained my credit report when other bureaus have not reported the same account. This inconsistency raises questions about the accuracy and reliability of the information on my credit report under your supervision. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite repeated attempts to rectify this situation, I continue to encounter challenges, and I urgently seek your assistance in resolving these issues. 
XXXX XXXX XXXX XXXX PLEASE DELETE!!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand that you conduct a thorough and expedited investigation into Fraudulent Account. Given the seriousness of these matters and the potential harm to my financial standing, I request the immediate deletion of these fraudulent accounts 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 explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/2023 Ally financial contacted a family member after being told to only contact a certain number. 
They disclosed the debt amount and also got a payment from mentioned family member of the amount 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 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America accepted and held funds from the IRS and claimed they were stolen ( Bank of America said the check ( s ) was a fake ) The IRS confirmed the funds were transferred over to the accounts and have not been flagged or sent back meaning the checks cleared Bank of America did receive funds in full from the IRS once the deadline for the hold pasted they froze the account and refused to speak with me and later after three months closed the account and refused to refund the funds to me or the IRS citing that they do not cash third party checks but even with that policy they were supposed to return the funds per their policy. Basically, Bank of America took a total of {$57000.00} which was from both the checking and savings combined each account was credited such as follows the checking 's total was {$28000.00} and the savings was {$29000.00} and Boldy stated that they can legally do so. There is not and never has been any court orders or judgments that they had orders for to take such action and even the IRS stated the funds were issued correctly and funds were disbursed to them without any holds or issues. I have even voluntary provided documentation that it wasn't a third part check ( s ) but the Bak refused to return the money even went so far to report me to the XXXX XXXX for using fake checks which was a lie. Bank of America Closed the account in XX/XX/ stating they were going to send a certified check Never did I receive one upon calling back to Bank of America I was told that no funds will be returned that I can not bank with ever again and the funds will be kept by the bank indefinitely. From the month of XXXX XXXX XXXX XXXX  I visited several branches in person all had no way of helping me other than telling me to call the XXXX number where they wouldn't answer simple questions about the account but instead locked me out XXXX  online access and told even more lies.

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 monetary relief