vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : Consumer ID XXXX Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by ( XXXX XXXX  ) included in the file Chex Systems maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a bank account in XX/XX/XXXX I am unaware of ever having a bank account from XXXX XXXX. 
Please validate this information with XXXX XXXX  and provide me with copies of any documentation associated with this " account '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute several items on my credit report that are inaccurate and have been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestiagation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following items needs to be removed immediately : XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
A car was financed, repossessed, multiple credit card lines, an XXXX loans that was unauthorized by me. I was not behind any of these activities. I was XXXX  for XXXX years, came home in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Immediate Removal of Inaccurate XXXX XXXX Account Information Dear Experian, This letter is to formally dispute inaccurate information on my credit report regarding an XXXX XXXX account previously identified by a scrambled account number ( XXXX ). 
Dispute and Violation of FCRA : According to my Experian credit report, an XXXX XXXX ( XXXX ) account appears with inaccurate and unverifiable information. I have received recent correspondence from XXXX XXXX ( attached ) dated XX/XX/XXXX, clarifying the account details. Here 's the discrepancy : Experian Credit Report : Lists an XXXX account ( XXXX ) XXXX XXXX Response : The letter from XXXX XXXX identifies the account as a XXXX XXXX XXXX ending in XXXX and confirms it was charged-off, not closed as reflected on my credit report. This inconsistency violates the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b ( 2 ), which mandates accurate and verifiable information on credit reports. 
Demand for Removal : Given XXXX XXXXXXXX XXXX  confirmation and the discrepancies identified, I demand the immediate removal of this inaccurate XXXX account from my Experian credit report. Furthermore, I am aware that the FCRA allows for a potential fine of up to {$1000.00} per violation. Considering you have verified this account information on three separate occasions ( attach copies if applicable ), the potential total fine could be {$3000.00}. 
Request for Verification and Update : To ensure accurate reporting moving forward, I request Experian to : Immediately remove the inaccurate XXXX account number ( XXXX ) from my credit report. 
XXXX XXXX XXXX to verify the current status and details of the XXXX XXXX XXXX ending in XXXX ( if applicable ). 
Update my credit report with any verified, accurate information from XXXX XXXX. 
Documentation : I have attached a copy of the correspondence from XXXX XXXX ( dated XX/XX/XXXX ) for your reference. 
I expect a prompt resolution to this matter. Please confirm the removal of the inaccurate information and any updates made to my credit report within 30 days. 
Thank you for your time and attention to this urgent issue. 
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 explanation
Consumer complaint received 2024-05-23 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: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis is reporting several addresses that are incorrect. My only address is XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX any other address is incorrect. I have previously asked that this information be delete and it has yet to be done. This is my final attempt at resolving this issue and I will sue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: MO

Complaint narrative:
Company : XXXX XXXX Product/Service : Personal Installment Loan Issue : Debt collection, Credit reporting Details : I am writing to submit a complaint against XXXX XXXX for their inaccurate credit reporting and debt collection practices. Despite my previous disputes and requests for validation, XXXX XXXX  has failed to provide adequate evidence to support the debt. 

XXXX XXXX XXXX response on XXXX XXXX, 2024, failed to address my concerns and provided contradictory information. They claimed to have investigated the matter, but their investigation was inadequate. They failed to provide any evidence to support the debt, and their response raised new questions about the ownership and status of the loan. 

I dispute the debt reported by XXXX XXXX to the credit bureaus, as I do not owe this debt. XXXX XXXX has failed to investigate my dispute and has continued to report inaccurate information to the credit bureaus. I request that the CFPB take immediate action to : - Investigate XXXX XXXX 's credit reporting and debt collection practices- Require XXXX XXXX to correct the inaccurate information reported to the credit bureaus - Hold XXXX XXXX accountable for any violations of federal law Additional information : - Account Number : unknown - State : XXXX  Thank you for your attention to this matter. 

Sincerely, 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Braviant Holdings, LLC
State: MO

Complaint narrative:
Company : Balance Credit Product/Service : Personal Installment Loan Issue : Debt collection, Credit reporting Details : I am writing to submit a complaint against Balance Credit for their inaccurate credit reporting and debt collection practices. Despite my previous disputes and requests for validation, Balance Credit has failed to provide adequate evidence to support the debt. 

Balance Credit 's response on XXXX XXXX, 2024, failed to address my concerns and provided contradictory information. They claimed to have investigated the matter, but their investigation was inadequate. They failed to provide any evidence to support the debt, and their response raised new questions about the ownership and status of the loan. 

I dispute the debt reported by Balance Credit to the credit bureaus, as I do not owe this debt. Balance Credit has failed to investigate my dispute and has continued to report inaccurate information to the credit bureaus. I request that the CFPB take immediate action to : - Investigate Balance Credit 's credit reporting and debt collection practices- Require Balance Credit to correct the inaccurate information reported to the credit bureaus - Hold Balance Credit accountable for any violations of federal law Additional information : - Account Number : unknown - State : XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: PlusFour, Inc

Complaint narrative:
Collection company information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Telephone : XXXX XXXX XXXX  Amount : {$1900.00} original creditor : XXXX XXXX  Original balance : {$1600.00} This account does not belong to me, it was the obligation of the company I work for to pay it.

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 2024-05-23 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: VA

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX 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 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 non-monetary relief
Consumer complaint received 2024-05-23 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: NAVY FEDERAL CREDIT UNION
State: NC

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: Self Financial Inc.
State: NC

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 2024-05-23 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 appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: VA

Complaint narrative:
I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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 appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
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 2024-05-23 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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX 6 month policy was paid for I never renewed my coverage but I was still charged XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$360.00} Amount {$360.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code XXXX  Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification UTILITIES Last Payment Date Date of First Delinquency XX/XX/XXXX No known knowledge of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
In XXXX of this year, I used Affirm for a purchase from a XXXX retailer. According to XXXX tracking number XXXX, the item was marked as delivered. However, when I arrived home in the evening, the package was nowhere to be found. I immediately contacted XXXX, and they informed me that the only option was to open a dispute with the seller, which I did. Unfortunately, the seller did not take any action. 

As a last resort, I filed a claim through Affirm, the financing service I used for the purchase. The process of filing a dispute with Affirm was very challenging and difficult. Ultimately, Affirm did not resolve the claim in my favor. Now, I am left paying for an item I did not receive.

Company response to consumer: Closed with explanation