vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the charge-off entry on my credit report. Despite my persistent efforts to rectify this matter, the charge-off continues to adversely affect my creditworthiness and financial standing. 

Despite my genuine efforts to rectify this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, the charge-off entry persists on my credit report. 

Requested resolution : I respectfully request the following actions be taken promptly : A comprehensive and immediate investigation into the charge-off entry, including thorough validation of its accuracy with the creditor. 

If the charge-off entry is found to be inaccurate, its immediate removal from my credit report. 

A written acknowledgment from your agency confirming the correction of my credit report once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to treat this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. 

Please acknowledge receipt of this complaint in writing within [ mention a specific timeframe ] and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these charge off accounts in my credit file : 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

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 2024-01-27 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 writing to express my growing frustration and disappointment with the repeated unsuccessful attempts to remove fraudulent items from my credit report. Despite my diligent efforts to rectify this situation, these fraudulent entries persist, causing severe financial distress and adversely affecting my ability to secure loans and financial opportunities.

Below, I outline the specific details of the fraudulent items and the numerous attempts I have made to address them : I have attached copies of the following documents for your reference : I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these fraudulent items. I have provided all necessary documentation to support my claims, and I have made multiple attempts to rectify this situation. However, my previous efforts have been in vain, and these fraudulent entries continue to inflict significant financial harm and emotional distress upon me.

I hereby request that your agency conducts a thorough and exhaustive investigation into these fraudulent items and takes immediate action to remove them from my credit report. Additionally, I urge you to implement measures to prevent the recurrence of such inaccuracies on my report in the future.

I am prepared to cooperate fully and provide any additional information or documentation required to resolve this matter expeditiously. I expect a written response from your agency within 30 days of receiving this letter, as mandated by the FCRA, confirming the removal of the fraudulent items from my credit report.

Failure to address this matter adequately within the specified timeframe will compel me to pursue legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$87.00} XXXX XXXX XXXX Balance : {$100.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$8800.00} XXXX  XXXX Balance : {$140.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$8800.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$140.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8800.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Amzn/synchrony bank made me apply for a credit card and forcing a debit offer on me when I did a consumer transactions for a credit card not a debit I called they proceed to pass me around for XXXX hours on a device an I'm XXXX and has a XXXX shortly there after from the stress I don't know if this the right place to talk to but the laws say they can not Provide you credit on terms different from those granted another person with similar income, credit history, and other characteristics. So do they switch every ones consumer transaction to whatever they want and still report on your report as a hard inquiry? My consumer transaction was for the XXXX XXXXXXXX of the Amazon store card not Amazon secure store card seeming to be a new trend cfpb needs to glue eyes to where do I go for help? Is this just going to be complaint?

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 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I had a debt with XXXX XXXXXXXX XXXX, btw I am using my daughters email address as I dont have an email address of my own because I dont check email. 

Anyways, I lost my job during the period of having that credit card account. I called XXXX XXXX and told them, they were not very helpful and said sorry call us when you can pay {$600.00}, that was apparently my minimum. I was not working and couldnt afford it. 

I got collection calls about this debt and explained my situation. I never received collection letters and I keep my mail for 3 years. I have no collection letter about this credit card. 

Next thing I know, I am receiving letters from Blitt and Gaines saying I will be sued?!?! 

How can I be sued when I was never given any collection letters from XXXX XXXX? 


I called Blitt and Gaines several times, emailed them, and sent them a letter to ask for a settlment agreement. They have not responded. I am XXXX XXXX XXXX and not working. My poor daughter is unemployed and using her unemployment money to help pay this debt. I am in deep turmoil. They are threatening to sue me without any due process of debt collection and arent willing to work with me on a settlement. Its unfair and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have already contacted this company on different occasions and they insist that I have an alleged debt with them. 

15 U.S. Code 1692a ( 5 ) ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

Where is the proof of the transaction that creates this alleged obligation to you? 

They allege that I have some type of responsibility with them to return money through some contract that I have with them or some agreement by which they lent me money. They continue to violate my rights as a consumer since I have never done any type of business with said company and they continue to send me misleading communications to my address of amounts and amounts that I supposedly owe them. 

They say that I am almost obligated to pay you and I ask what is the product or contract with which I did business with you? They continue to violate the laws with false communications, demanding an amount of money that they supposedly lent me. I ask them for proof of any credit transaction in my name with this company and they do not have any proof and proof is not any document with my personal information. Proof is anything of value in the form of money or its equivalent that gives them any legal right to send me all of these fraudulent communications. 
COMPANY NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX Date Opened XX/XX/year> Responsibility Individual Account Loan Type DEBT BUYER Last Payment Amount {$0.00} Original Amount {$3900.00} Original Creditor 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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC
State: SC

Complaint narrative:
This is my second time writing to file a formal complaint regarding a CHARGEOFF/COLLECTION account labeled " XXXX XXXX XXXX ( Balance {$12000.00} ), XXXX  XXXX ( Balance of {$7900.00} ), XXXX  XXXX ( Balance of {$6000.00} ), XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: SC

Complaint narrative:
This is my second time writing to file a formal complaint regarding a CHARGEOFF/COLLECTION account labeled " XXXX XXXX XXXX ( Balance {$12000.00} ), XXXX  XXXX ( Balance of {$7900.00} ), XXXX  XXXX ( Balance of {$6000.00} ), XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX {$4500.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately XXXX XXXX {$1300.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately XXXX XXXX {$650.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately All these account are closed and should be removed from my credit profile

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, INNOVIS, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: TX

Complaint narrative:
I am writing to formally register a complaint regarding the fraudulent items on my account. I have made several attempts to resolve this matter through your customer service department without success. 

Since then, I have contacted your customer service department and have spoken with various representatives. However, despite my efforts, the fraudulent charges have not been removed from my account. 

I have attached copies of the following documents to support my complaint : Copies of my statements highlighting the fraudulent charges. 
Any correspondence I had with your customer service department, including reference numbers. 
Any other relevant documentation, such as police reports or dispute forms, if applicable. 
I understand that resolving cases of fraud can be a complex process, but I request that you take immediate action to investigate and rectify these unauthorized charges. I insist on a prompt and thorough investigation into this matter, and I expect the fraudulent items to be removed from my account as soon as possible. 

Additionally, I kindly request that you provide me with a written confirmation of the resolution and the actions taken to address this issue. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify this situation. I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9800.00} XXXX XXXX  XXXX Balance : {$670.00} XXXX XXXXXXXX  Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$3100.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-27 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX {$4500.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately XXXX XXXX  {$1300.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately XXXX XXXX  {$650.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately All these account are closed and should be removed from my credit profile

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX {$4500.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately XXXX XXXX {$1300.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately XXXX XXXX  {$650.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately All these account are closed and should be removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: WA

Complaint narrative:
My new car insurance provider ( XXXX ) says that I have a record on my driving report. This is affecting me because i have never had any claim or be responsible for any automotive incident. The increase my insurance premiums rate by {$170.00}. 

They claim they got the records from LEXISNEXIS RISK SOLUTIONS ( XXXX  ) their contact number is XXXX.

Company response to consumer: Closed with explanation