vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 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: IN

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX, not later than XXXX business days after the date of receipt. 
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 2024-06-21 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: IN

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
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 non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
Recently changed my bank info, so had to switch my auto pay payment method. The website is so XXXX that I have done XXXX  times everytime getting an email saying the request was sent. But guess what the method never changed! It's been like this for XXXX months. And today I still get no concrete info that my auto pay is there. They have my payment method and I manually pay when it's due, but why the XXXX isn't auto pay working when I have done this same exact thing XXXX times! I will send you every XXXX XXXX email about the request being sent. But at no point did I get a confirmation that it was registered. Looking at XXXX  it appears I am not the only one who has experienced this and they do this so they can hike up the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) regulates the information that can be included on consumer credit reports. According to 15 U.S.C. 1681 a ( d ) ( 2 ) ( A ) ( i ), consumer reports can not include information about " transactions and experiences '' between a consumer and the entity providing the information ( you, the creditor ) .The term " transactions and experiences '' within the FCRA has been interpreted to encompass late payment information. Therefore, CREDIT ACCEPTANCE CORPOR including a late payment on my credit report violates the FCRA.

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 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 non-monetary relief
Consumer complaint received 2024-06-21 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: FL

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 XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: NV

Complaint narrative:
It has come to my attention that the credit Bureaus are not deleting records despite receiving a copy of the FTC report. As mandated by Section 605b of the FCRA, I am sending this complaint to establish a formal response. If you do not delete the items listed below, which are inaccurately reported due to fraud, I will forward my documents to my attorney to initiate legal action. My preference is to avoid legal proceedings, so please comply with the law. 
XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX Balance Owed : {$7600.00} XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$810.00}

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 2024-06-21 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: NV

Complaint narrative:
It has come to my attention that the credit Bureaus are not deleting records despite receiving a copy of the FTC report. As mandated by Section 605b of the FCRA, I am sending this complaint to establish a formal response. If you do not delete the items listed below, which are inaccurately reported due to fraud, I will forward my documents to my attorney to initiate legal action. My preference is to avoid legal proceedings, so please comply with the law. 
XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX Balance Owed : {$7600.00} XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$810.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: IN

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: IN

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXXXXXX 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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
MY STUDENT LOANS HAVE BEEN FORGIVEN PER THE Biden-Harris Administrations one-time account adjustment. AND ALL THREE CREDIT REPORTING AGENCIES HAVE NOT CORRECTED THIS ON MY CREDIT REPORT SINCE ITS COMPLETION, FAILING TO ADHERE TO THE FAIR DEBT COLLECTION ACT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: FL

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 corrected right away. 
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 2024-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/year> I wired XXXX to a Chase Bank account in XXXX, New York to XXXX XXXX XXXX XXXX XXXX for car parts. I never received the parts, the account was a scam XXXX XXXX XXXX XXXX set up a fraudulent account at a Chase Bank. I have been fighting for my money back for two years. I called everyone from the Attorney General to the Chase Branch office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: FL

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: SC

Complaint narrative:
MY STUDENT LOANS HAVE BEEN FORGIVEN PER THE Biden-Harris Administrations one-time account adjustment. AND ALL THREE CREDIT REPORTING AGENCIES HAVE NOT CORRECTED THIS ON MY CREDIT REPORT SINCE ITS COMPLETION, FAILING TO ADHERE TO THE FAIR DEBT COLLECTION ACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: SC

Complaint narrative:
MY STUDENT LOANS HAVE BEEN FORGIVEN PER THE Biden-Harris Administrations one-time account adjustment. AND ALL THREE CREDIT REPORTING AGENCIES HAVE NOT CORRECTED THIS ON MY CREDIT REPORT SINCE ITS COMPLETION, FAILING TO ADHERE TO THE FAIR DEBT COLLECTION ACT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # XXXX XXXX : XX/XX/year> To whom it may concern : Ive sent this dispute certified mail.

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
Inaccurate Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX There are XXXX invalid and inaccurate addresses listed as my place of residence. I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Florida XXXX I do not wish to have a phone number listed on my credit report. I have enclosed the required copy of my drivers license with my address verifying that this my legal residence is the one listed here. Due to concerns for identity theft please delete all invalid addresses and phone numbers. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation.

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I've been meaning to have this inquiry removed from my credit report and asking for your help to get this removed. I have never got in contact with the company during the said inquiry date but sill have their inquiry on my credit report which is n

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: TN

Complaint narrative:
Thank you for removing some items from my file caused by incorrect credit report details. However, there are still items that need to be addressed. According to FCRA section 605, you are required to remove any items listed on an ID THEFT REPORT. I am submitting Identity Theft Report # XXXX. Under FCRA section 605B ( a ) ( 1 ) ( 2 ), you must remove any information in my file resulting from erroneous credit information within 4 business days of receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of an identity theft report : Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$720.00} -- -- -- -- -Equifax : XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XX/XX/year> -- -- -- -- -TransUnion : XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX  XXXX XXXX Balance Owed : {$720.00}. You have 4 business days to remove these items from my credit file. I do not consent to XXXX or any automated verification methods. I expect your immediate attention to this matter and a response within 4 business days.

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally request the removal of an unauthorized credit inquiries from my credit report. Despite previous attempts to resolve this issue with the credit reporting agencies and the creditor involved, the unauthorized inquiries remains on my report. 
The continued presence of these unauthorized inquiries are causing significant harm to my creditworthiness and personal stress. Despite my repeated efforts to correct these mistakes, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). Kindly help me to remove the unknown inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally request the removal of an unauthorized credit inquiries from my credit report. Despite previous attempts to resolve this issue with the credit reporting agencies and the creditor involved, the unauthorized inquiries remains on my report. 
The continued presence of these unauthorized inquiries are causing significant harm to my creditworthiness and personal stress. Despite my repeated efforts to correct these mistakes, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). Kindly help me to remove the unknown inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: FL

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 corrected right away. 
XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: FL

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 corrected right away. 
XXXX XXXX XXXXXXXX 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