vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I'm experiencing distress, dissatisfaction, and XXXX  due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: IL

Complaint narrative:
Im a survivor of XXXX XXXX  I provided a letter from my current program Im in. Both XXXX and XXXX approved my letter and deleted the information from my report. XXXX XXXX from Experian said my letter was not authentic and now I had to join a new program called XXXXXXXX XXXX  by the XXXX XXXX. I also reached out to the Department of human services to see if I can get a certified letter through them. I dont understand who would lie about being XXXX XXXX The last 15 years of my life I have been trying to get away from my XXXX  and when I finally try to regain my life back Im at a stand still because of an insensitive woman please someone help me.

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 2024-03-28 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: NV

Complaint narrative:
I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. Please update the accounts : XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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 received a copy of my credit report and i have found the following items listed below to be in error. These accounts are listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


I was Never Late on ( XX/XX/2024, XX/XX/2024 ) on this Account Please Update the account as PAID/CURRENT. 

I HAVE ATTACHED A DOCUMENT OF EVIDENCE OF CURRENT ACCOUNT AND NEVER LATE PAYMENT. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes.

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 2024-03-28 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 received a copy of my credit report and i have found the following items listed below to be in error. These accounts are listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


I was Never Late on ( XX/XX/2024, XX/XX/2024 ) on this Account Please Update the account as PAID/CURRENT. 

I HAVE ATTACHED A DOCUMENT OF EVIDENCE OF CURRENT ACCOUNT AND NEVER LATE PAYMENT. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes.

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 2024-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Individual amounts totalling less than XXXX were removed from credit report. Now Credit control corporation has lumped them together to get it back on my credit report even though XXXX XXXX sent them as Individual accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: IL

Complaint narrative:
I believe FCRA 605B mandates the elimination of erroneous accounts from my credit report. Could you kindly verify the documents? Several accounts listed appear to be inaccurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: TX

Complaint narrative:
Dear Experian, This letter is to formally request information regarding the methods used to validate accounts on my credit report. I am particularly interested in understanding the process employed to verify the accuracy of the following information : Account Name XXXX  XXXX Account Number XXXX Balance {$1300.00} Account Name XXXX  XXXX Account Number XXXX Balance {$630.00} Account Name XXXX XXXX Account Number XXXX Balance {$520.00} Account Name XXXX XXXX Account Number XXXX Balance {$0.00} Account Name XXXX XXXX XXXX Account XXXX XXXX Balance {$510.00} Account Name XXXX XXXX  XXXX Account XXXX XXXX Balance {$2200.00} Account Name XXXX Account XXXX XXXX Balance {$590.00} Account Name XXXX XXXX Account Number XXXX Balance {$440.00} Account Name XXXX XXXX Account Number XXXX Balance {$950.00} Account Name XXXX XXXX  Account Number XXXX Balance {$650.00} Account Name XXXX XXXX  Account Number XXXX Original Balance {$1100.00} Account Name XXXX XXXX Account Number XXXX Balance {$0.00} The Fair Credit Reporting Act ( FCRA ) grants me the right to ensure the accuracy of the information contained within my credit report. Understanding the methods used to validate accounts listed above will allow me to better assess the information 's completeness and legitimacy per [ FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ] Specifically, I would like XXXX to provide details on the following : The types of information used to verify account ownership ( e.g., Social Security number, date of birth, address history ). 
The communication methods employed to contact creditors for verification ( e.g., written communication, phone calls ). 
The procedures in place to ensure the legitimacy of the information received from creditors. 


Please furnish this information within 15 days of receiving this request per [ FCRA 611 ( a ) ( 7 ) ]. I appreciate your cooperation in this matter. 
Thank you for your time and attention to this request. 
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 non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Timely payments have always been my priority on this account, preventing any occurrences of overdue payments. I am uncertain as to why there are reports of late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, any errors should be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: TX

Complaint narrative:
I believe FCRA 605B mandates the elimination of erroneous accounts from my credit report. Could you kindly verify the documents? Several accounts listed appear to be inaccurately reported.

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 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have attempted to contact Jefferson Capital Systems both by phone and mail. Despite multiple attempts, I have been unable to reach a representative via phone, and I have not received any correspondence from them regarding the original contract or any connection to the debt in question. The debt in question stems from an account with XXXX, which dates back over 7 years according to records. The initial collection attempt was invalidated due to a lack of proof of ownership. Furthermore, my account with XXXX was satisfied as it was absorbed by XXXX following a merger. 

I dispute the validity of the debt claimed by Jefferson Capital Systems, viewing it as an unjust effort to collect on a debt that ceased to exist upon XXXX 's merger with XXXX. I am uncertain if there exists any new or outstanding debt for which I should be informed. Despite my inquiries, Jefferson Capital Systems has failed to furnish any evidence to support or refute its claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.

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 2024-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I was granted a bankruptcy discharge, student loan included. Why is it not honored. I am still being harassed. Not able to barely survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is my understanding that FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you kindly verify the documentation? There appear to be inaccuracies within the listed accounts as per the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2024-03-28 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: VA

Complaint narrative:
On my reports through Transunion and XXXX there is an address I have never been associated with and may be the result of identity theft. 
The address in question is XXXX XXXX XXXX XXXX, I have never been associated with this address and have never heard of it. 
I have contacted both companies and they won't remove the address.

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 2024-03-28 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: NC

Complaint narrative:
In 2021 my credit report was garnished by a situation that was communicated in transparency with my bank. As I was a victim of identity theft, I began working with a company that I contracted with on Indeed.com and began to work and RECIEVE paychecks, which I deposited likewise, into my account at that time. Apparently the checks that I had received in good faith, as a worker, and consumer in commerce, had been rejected, all around the same time. Even though they all were not deposited or processed at the same time. This inturn took every single XXXX out of my account. And then took more than that. My account was then put in the negatives as now a balanace of over {$8400.00} from this scheme that I became a victim of. I was very transparent about my situation, my transactions, and my account. As a result of this identity theft which should have been covered by my bank XXXX XXXX XXXX at the time because they are insured by the XXXX, they have federal insurance on and I quote, For Deposit accounts held with XXXX XXXX XXXX are federally insured by the XXXX XXXX XXXX XXXX XXXX XXXX ( NCUSIF ), an arm of the XXXX XXXX XXXX XXXX ( XXXX ), an independent agency of the United States government. Which is also, federally insured to at least {$250000.00} and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. 

I have been having consistent adverse action due to this incident, my credit report has been garnished, consistent suffering in the fact that all creditors are refusing to work with me due to a situation WHEREAS I WAS TAKEN ADVANTAGE OF. 
According to ChexSystems, the amount has also been charged-off by the original company and they continue to report negative unpaid information for funds taken out of my account. XXXX XXXX XXXX closed my account after being in good standing in my account for years. I had even had a Refinance Loan that I had through them that I also never defaulted on or anything all 2-3 years. Just maybe a late payment or two. I am outraged, I was being taken advantage of and continue to be taken advantage of by this company that TREATED ME EXTREMELY UNFAIRLY. They didnt even care that it wasnt my fault and that I was just a victim as they were. If not more so, because they took everything I had. And then XXXX more to total to that XXXX, which is charged-off according to ChexSystems and being disputed for the exact reasons above. I should be protected as a consumer, and a debtor.

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 2024-03-28 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: CA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete information on my Credit Report and I'd like to dispute this incurrate information. ther credit bureaus like XXXX and XXXX has already corrected the inaccuracy of the account and I am wondering why are you still reflecting the late payment in your record? I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please update this account : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief