vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX Account Nuimber : XXXX Account Name : XXXX XXXX XXXX  Account Nuimber : XXXX Account Name : XXXX XXXX Account Nuimber : XXXX Account Name : XXXX Account XXXX : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: AZ

Complaint narrative:
Company on my credit report that isn't mine is XXXX XXXX. The date is XXXX XXXX XXXX  and last XXXX numbers of account are XXXX. There are XXXX different loan amounts one for {$2100.00} and another for {$3500.00}. I have never had a loan with this company and they are not taking it off my equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I refinance my auto loan through XXXX XXXX XXXX unit and sent the payoff check to Cadillac Financial. I sent the check by XXXX and was told the check was lost a week later by XXXX. I asked for a replacement check. The check was cashed by Cadillac Financial because my account was cleared to zero balance when I went to my account. When XXXX XXXX saw that the first check was cashed they stopped payment on the B check. Then Cadillac Financial put a balance back on the account. I requested that an investigation for declaration of fraud and was denied by XXXX XXXX with an email stating I benefited from the transaction and I am responsible for paying Cadillac Financial. I never received any funds from the transaction. XXXX XXXX investigator XXXX stated he placed a request with the Federal reserve to find out who cashed the check at XXXX XXXX XXXX XXXX  and will here something by email and mail. XXXX wants me to make a payment to them or they are putting that Im latte on my credit report in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: Kriya Capital, LLC
State: FL

Complaint narrative:
Its a XXXX debt from XXXX that the collection company keeps renewing the dates on the collections and now have pushed it to XX/XX/XXXX2024 which is illegal in The Florida statute of limitations on debt collection for written contracts and promissory notes is five years. Oral contracts and open-ended accounts ( including credit cards ) Florida statute of limitations on debt collection is four years. they keep renewing and pushing the date out and continue to destroy my credit which is illegal in the state of Florida! I have contacted an attorney he has told me to publish this with CFPB as he knows Im a XXXX Veteran with a XXXX, so XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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:
When I investigated my credit report, I realized that some of the information were erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX  Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$39.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$370.00} XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX Balance XXXX : {$520.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$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 2024-11-09 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: NC

Complaint narrative:
When I investigated my credit report, I realized that some of the information were erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$39.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$370.00} XXXX XXXX  Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX Balance XXXX : {$520.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX Account Nuimber : XXXX Account Name : XXXX XXXX XXXX  Account Nuimber : XXXX Account Name : XXXXXXXX XXXX Account Nuimber : XXXX Account Name : XXXX Account Nuimber : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-11-09 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX Account Nuimber : XXXX Account Name : XXXX Account Nuimber : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Nuimber : XXXX Account Name : XXXX XXXX  Account Nuimber : XXXX Account Name : XXXX Account Nuimber : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-11-09 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: NC

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$1100.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$74.00} XXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX Balance Owed : {$58.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-09 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: TX

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-11-09 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: TX

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: VA

Complaint narrative:
I am writing regarding a recent credit report that indicates a collection reported in XX/XX/year> for a XXXX XXXX account. 
My family operates a small chain of XXXX restaurants, and I manage the technology aspects of our business. In XX/XX/year>, one of our locations experienced an internet outage for several days, which affected our ability to process card payments through our POS systems. To address this issue, I decided to use a XXXX XXXX hot spot device to restore our internet service. The nearest cellular store was XXXX, and I visited there just before closing time. Although initially hesitant due to the late hour, the manager eventually agreed to assist me after I explained the situation. 
I OPENED AND PAID FOR A ONE-TIME PREPAID ACCOUNT FOR A XXXX XXXX XXXX. This allowed us to resume accepting card payments after the outage. However, in XX/XX/year>, I discovered a collection listed on my credit report from XXXX, which negatively impacted my credit score. I believe this charge of {$220.00} is related to the prepaid account I opened in XXXX. I have documentation showing payment to XXXX on that day for {$370.00}. Greater than the amount XXXX claims I own. 
I am planning to apply for a mortgage within the next two years, and I am concerned that the collection on my record may affect my eligibility. It is imperative that I obtain the mortgage as I have a land contract for the house, I currently live in. Failure to secure the mortgage within the specified time frame may result in legal action against me for the full amount of the house and potentially me and my family losing our home. 
I believe this issue does not accurately reflect my creditworthiness or my commitment to fulfilling my financial obligations. Attempts to resolve this matter directly with XXXX have been unsuccessful, as they have transferred my case to a debt collection agency. I believe I am not liable for the debt claimed by XXXX, as it was a one-time prepaid account. 
Thank you for your attention to this matter. I hope XXXX can correct this situation and remove the collection from all three of the major credit bureaus ( XXXX, XXXX, XXXX ) and any other consumer reporting agency they may have In-accurately reported too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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 would like to dispute the following accounts on my credit report. 

XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2024-11-09 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: MD

Complaint narrative:
I would like to dispute the following accounts on my credit report. 

XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Experian XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2024-11-09 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Back in XXXX of 2024 I had my XXXX account hacked and used to purchase tickets to an event for over {$1600.00}. I immediately notified both the merchant and my bank of the fraud. I was issued a new physical card and new digital card and had my account locked. XXXX has since confirmed to me via webchat and email that my account is now disabled due to the fraud yet will not refund me. I have disputed with my bank XXXX times and each time they have failed to do the investigation properly. On multiple occasions I have submitted photos and files from XXXX with them stating it was fraud on my card and my card company will continue to find in their favor even though they have a XXXX  % fraud protection guarantee. At this point I am practically at a loss for what to do next and need assistance. I have the evidence proving fraud yet it seems like my bank and XXXX will continue to lie and deny.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-09 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX BALANCED {$18000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX BALANCED {$18000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation