vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have had this credit card since XXXX. I had credit repair lady trying to help me get my credit fixed, and disputed the XXXX  XXXX credit card. It took me months to get that card back on my credit report! And now that it was finally placed back on my report theirs XXXX late payments???? There should not be any late payments, I have disputed this so many times. With TransUnion & XXXX XXXX XXXX It was fixed XXXX and now it backs to XXXX late payments which is not helping my credit! I sent in proof to TransUnion of their dispute results a few months back that shows all payments OK meaning none late, but when I call them they are like you will just have to submits a dispute online thats all we can do! If I have the paper FROM TransUnion stating NO LATE PAYMENTS then thats exactly what it should be on my credit report! They like giving the run around to the public because they know eventually they will give up trying! But I will not! By law im intitled to an accurate credit report & TransUnion isnt doing their job!

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: MI

Complaint narrative:
An accordance With the fair credit reporting act the list of accounts below violated my federal protected, consumer rise to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX  XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX, has violated my rights. I looked at my Equifax report on XX/XX/XXXX of 2023 and noticed some things were incomplete and inaccurate and according to the fair credit reporting act whenever a consumer reporting agency Prepare a customer report It shall follow reasonable procedures to assure Maximum possible accuracy of the information concerning the individual about whom the report relates to according to 15 US 1681 ( e ) ( b ) And according to 15 USC 1681 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 2024-10-10 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: MD

Complaint narrative:
I'm writing to XXXX  my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2024-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I signed up for a Rate Reduction plan with Navient. The plan was set for $ XXXX automatic payments. Whoever established the plan made an error and multiple payments were taken out over a span of 3-4 days. When I complained about the issue I was told that I owed the money regardless and there could be no refunds. I wish I'd known about CFPB when this happened. Hopefully others can learn from Navient 's predatory lending processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: MI

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2024-10-10 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Subject : Demand for Proof of Verification and Contract Account # XXXX, # XXXX, # XXXX To Whom It XXXX Concern, I am writing to address the lawsuit you filed against me regarding the alleged debt under account number # [ Your Account Number ]. I find it unacceptable that, despite being sued, you have failed to provide me with the necessary documentation to substantiate your claim. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request the following : Proof of verification of the debt you claim I owe. 
A copy of the original contract or agreement that clearly establishes my obligation to repay this debt. 
A XXXX form for the canceled portion of the debt, which I have yet to receive. This document is critical as it relates to the tax implications of a charged-off account. 
Your failure to provide these documents raises serious questions about the validity of your claim. I will not accept mere assertions without concrete proof, especially in light of the legal action you have initiated against me. 

If you do not respond within XXXX days with the requested documentation, I will consider this matter resolved in my favor and pursue all legal remedies available to me. Additionally, I will not hesitate to report your actions to the Federal Trade Commission ( FTC ) for failing to comply with the FDCPA. 

Your immediate attention to this matter is required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax XXXX weeks ago about removing the statement " Fraud Victim ( associated with trade ) '' that is on my file where its listed under CREDIT FILE STATUS. I have attached a copy of exactly what I am talking about. Equifax told me XXXX weeks they have removed but yet and still it is listed there. I want it removed. I believe this is the reason nobody can pull my credit reports, XXXX can get a copy of my credit report to get my fico score or anybody else that need to see my credit report. A mortgage who i'm working with can't get a copy of my Equifax report either. I am begging you to please remove that statement from my credit file immediately as I truly believe that statment is causing me issues at the moment. I have attached a copy of my social security card, Passport for identification purposes and a cpy of my current utility bill with my current address and as I stated earlier a copy of what I am seeing on my credit file and it is highlighted in yellow for your review. I need that removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not make or give authorization to consult my credit or make a hard inquiry and said inquiries affect my credit. I request that the following hard credit inquiries be removed from my credit report : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 2024

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 2024-10-10 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX employer XXXX : Self employed Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX employer XXXX : Self employed Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: CA

Complaint narrative:
Subject : Refusal to Pay and Dispute of Alleged Debt Account/Reference Number : Chapter XXXX Bankruptcy : Bankruptcy Dear Sir/Madam, I am writing to inform you that I am refusing to pay the alleged debt referenced above, and I am invoking my rights under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). This letter serves as a formal refusal to pay the debt and a demand that you cease any further communication with me regarding this matter. 
FDCPA - XXXX XXXX ( 15 U.S.C. 1692c ( c ) ) Pursuant to 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the collector to cease communication, the collector must stop all communication except for notices allowed under the law, such as : To advise that your collection efforts are being terminated. 

To notify me of any specific legal actions you intend to pursue against me. 

Any further communication beyond what is legally allowed will be considered a violation of the FDCPA, and I will take appropriate action, including reporting the violation to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

FCRA - Dispute of XXXX and XXXX XXXX addition to the refusal to pay, I am disputing the validity of this debt as it has been reported to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), I demand that you : Immediately cease reporting this debt to any credit reporting agencies until it is fully verified. 

Ensure that, if you continue to report this debt, it is marked as disputed in accordance with FCRA regulations. 

Investigate and validate this debt, providing all evidence to substantiate your claim. 
If you are unable to provide verification and validation of the alleged debt within the statutory timeframe, I expect the debt to be removed from my credit report as required by the FCRA. 

Legal Actions and Further Steps Please take notice that I reserve my right to pursue all legal remedies available to me should you fail to comply with this letter or violate my rights under the FDCPA or FCRA. 

I am keeping a detailed record of all correspondence regarding this matter and will not hesitate to escalate the issue if necessary. 

This letter should also serve as a formal request to cease all communication regarding the alleged debt at once. You XXXX only contact me under the limited circumstances permitted by law as outlined above. 

Thank you for your attention to this matter. I expect prompt action on your part in accordance with federal law. 

Sincerely, 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 2024-10-10 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: VA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-10 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: CA

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
To whom this XXXX concern, I financed a 2018 XXXX XXXX XXXX XXXX, and it's been a nightmare. First getting it registered took me XXXX weeks because XXXX XXXX in Ohio, were I purchased the truck sent the duplicate title to the wrong address. After having the truck on XXXX XXXX for not even XXXX weeks the transmission started slipping, it wouldn't even shift properly, so I had to bring it to a local XXXX where it's been for over XXXX  months. 

After XXXX months of waiting for the diagnostics on the truck I received confirmation yesterday that the truck needs a new transmission. The technicians at our local XXXX said they don't even know how we even made it to Connecticut from West Virginia without the transmission failing. They also told me that transmissions are on back order and we could be looking at a year until they receive it. I am beside myself as my XXXX XXXX ended last week and I have to sign another XXXX year lease agreement asap if another vehicle isn't put inplace while I wait for my teuck to be fixed. The technicians at XXXX stated they will write a full disclosure on the trucks status and that I indeed purchased a lemon. XXXX XXXX sold me a truck with a bad transmission. I'm prepared to do whatever I have to to get my money back, considering my truck is on a recall for failed transmissions. I'm out over $ XXXX, nevermind the {$4500.00} I've spent on insurance since XXXX, along with the mental anguish and stress this has caused me. My lawyer said even though I didn't buy the truck brand new I can still make a claim for truck recalls, liability, failure to disclose a failed transmission. This is insane. 

We never got to enjoy the truck at all. I could never do this to someone. Regardless of the lemon law I'm prepared to take action. This is unfair. I want a full refund Or I need a rental asap, which I've already been told my warranty doesn't cover a rental? How? 

I bought the extended warranty the day of purchase, which should allow me to get a rental until the truck is fixed, but I'm not getting anywhere with XXXX Truck ( place of purchase ) XXXX Customer Service, Moper Parts, or the warranty company. 

My truck has been in the shop for over XXXX  months with no updates on my parts that were ordered XXXX  months ago, and expedited almost XXXX  months ago. 
My truck dealership information is XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CT XXXX I can't even get an XXXX on my parts. 
ORDER # XXXX PART # XXXX Not a happy XXXX customer at all, my phone number is below, 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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-10 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: WA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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