vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I wrote this company to remove late payments and the company stated an unauthorized party wrote the letter which was false. I, XXXX XXXX wrote the letter for consideration of late payment removal, please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LJ Ross Associates
State: NY

Complaint narrative:
L j Ross assoc {XXXX XXXX  XXXXXXXX XXXX This account is not mine, I want it removed from my history. Thanks

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This is about unfair and unjust and BAD Business practices on me! 
I was paying XXXX XXXX card and I thought everything was fine. I was sending the payments early and they were saying they were late. I got my bank statements to verify the money coming out I've been very ill so I haven't finished yet. The whole point is really on the fact that XXXX XXXX did not call me and they did not send me any information in the mail that there was a problem with the account! 
When I tried to call XXXX XXXX it just gave me a phone number of debt collector who has been in contact with me they're called resurgent. I can't believe that the automatically send you to the collection and you can't talk to anybody because it hangs up after they give the phone number the collection company. I'm really upset about this it's really affecting me and I'm in a care center about to have XXXX surgeries. If I made a mistake then I apologize and I will pay the money if I have to. This resurgent debt collector is ruining my XXXX XXXX every time I turn around they're DOCKING ME more negative results on the credit bureaus for this collection! Why would I pay all of my other credit cards on time and then turn around and NOT PAY this one? I even have another Credit XXXX card ( XXXX ) and I have never been late on this card! This whole thing should have been handled properly with me and professionally. Shame on XXXX  XXXX! 
I want all the proof that I owe this debt of {$460.00}. I know I had some balance but I don't remember the exact amount. My information was compromised on the dark web before and and also the day before this collection hit my credit reports! I think it was that company resurgent that went on the dark web the XXXX XXXX to dig up everything on me! They had my previous names addresses phone numbers and social security number it was all compromised! I don't know what else to say right now I'm very exhausted mentally emotionally physically and like I said I'm in a care center. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 2025-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc.
State: MO

Complaint narrative:
I purchased a vehicle from car mart XXXX XXXX and the day I did so I spoke with manager about an oil leak I noticed he assured me it was just from the engine being power washed and and so I was very hesitant and the manager then said that if I felt better he would see about getting it in down where I live in my area with in the first week ( so that it was still with in my window for the policey so I could return it and get something different ) too double check everything and make sure that there was nothing seriously wrong. Mean while I refuse to make a payment until I knew if I would be keeping the vehicle so a month later they call and tell me finally that they don't have a shop in my area I have to bring it an hr away to get it looked at by there mechanic and they had to 1st see when that would be and get back to me in the meantime they show up my work to repossess the vehicle I explained the situation I had been dealing with and they said that they would get it on have it looked over and as long as I was to get my payment I could get vehicle back 2 weeks later after having to quit my job and only source of income to take care of my XXXX kids and my sick husband I contacted them to see if they had been able to look at the car which they had and they found that it was a blown head gasket and they were to also suppose to check out the transmission as well because it was slipping as well which they said they didn't see anything wrong with it and wasn't slipping so anyway they gave me the option to get the vehicle back but have a blown head gasket and transmission slipping which are major things to have wrong when you are paying XXXX for a vehicle that you were lied to about right off the bat about and wasn't able to take advantage of the trade in if you don't like it window because it took them over a month to get vehicle in to a mechanic so I voluntary decided to resposes the vehicle and they end up selling the vehicle and are stating I owe XXXX + on the said vehicle

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: OH

Complaint narrative:
I am writing to request the deletion of spcific infrmation in my file. The items I ned removed are detiled in the attached report. I am a victim of identity theft and did not make the listed charges. To correct my credit report, I ask for these items to be deleted promtly. I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please process the deletion of these 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 2025-02-18 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: IL

Complaint narrative:
I am a victim of identity theft, I've already reached out to companies and credit bureaus and the correct action of deleting negative fraudulent items from My report. 
I received a copy of my credit report and found the following items to be errors, or are deficient of proof of not being untrue, incorrect, incomplete, untimely, not mine, not my responsibility, or else wise not compliant to include to metro 2 reporting standards. 
Here as follows are items in potential error requiring immediate annulment of the retainment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inaccurate, untrue, incomplete and non-compliant information from my credit report immediately. 
This is a violation of the FCRA and is also a violation of requisite Metro 2 Compliance Reporting Standards

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 2025-02-18 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
I hope this message finds you well. I am writing to formally dispute the presence of certain charge-off accounts on my credit report. These accounts, although previously marked as charged-off, have since been paid in full, and I kindly request their prompt removal from my credit reports. 

XXXX XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
I hope this message finds you well. I am writing to formally dispute the presence of certain charge-off accounts on my credit report. These accounts, although previously marked as charged-off, have since been paid in full, and I kindly request their prompt removal from my credit reports. 

XXXX XXXX XXXX XXXX Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2025-02-18 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: CORELOGIC INC
State: NY

Complaint narrative:
XX/XX/year> I contacted CoreLogic Credco LLC to investigate hard inquiries in which it placed on my personal credit report. I have never had any business with Corelogic Credco LLC. After XXXX refused to open an dispute investigation to the following hard inquiries on my credit report I reached out to Corelogic to remove. 

- **CORELOGIC CREDCO LLC Inquiry Date : XX/XX/XXXX, XXXX - **CORELOGIC CREDCO LLC Inquiry Date : XX/XX/XXXX, XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically **Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) **, I previously requested verification of these inquiries. However, your investigation failed to provide legally required documentation proving that I authorized these inquiries.

Under federal law, you are obligated to provide me with documented proof, including a signed consumer contract or other verification that explicitly demonstrates my authorization. Since you have failed to produce such documentation, these inquiries must be **immediately removed** under **Section 611 ( 5 ) ( A ) of the FCRA**. 

I received a document but there was no verification other than verbal from a alleged creditor. See attached. 

Your failure to comply with federal law also places you in violation of **Section 617 of the FCRA**, which allows me to pursue legal action for noncompliance. 

I demand written confirmation that these inquiries have been deleted from my credit now.

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 2025-02-18 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: IL

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2025-02-18 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 2025-02-18 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 explanation
Consumer complaint received 2025-02-18 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The late payment in question is reported by [ experian ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To support my dispute, I have enclosed copies of relevant documentation, including [ list any supporting documents, such as payment receipts, account statements, etc. ]. 
I respectfully request that you investigate this matter and remove the inaccurate late payment from my credit report. Please confirm in writing that the correction has been made.

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 2025-02-18 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 am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief