vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: SC

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to 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 non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit report has invalid information on XXXX, XXXX, and Experian. 
The personal information on my account is incorrect. 
My address needs to be changed and I'm requesting my employer information to be removed for privacy reasons. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
The only name that should be present is XXXX XXXX. Please update all my personal information on my credit report as soon as possible.

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 2024-06-11 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 understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I mailed a letter of rescission to the dealer on XX/XX/XXXX and then submitted a claim to Arizona Attorney General Consumer Complaint to XXXX XXXX XXXX and JP Morgan Chase Bank on XX/XX/XXXX and XX/XX/XXXX after no response via mail. I was mislead about my auto loan and the application my down payment. I put {$15000.00} down on a {$29000.00} XXXX XXXX XXXX XXXX and my loan repayment amount is {$23000.00}. {$7000.00} of my down payment went towards the car which I was not informed that it would be applied any different. I was informed this amount would get my payment in the low {$400.00} range. I was misinformed on my down payment and the loan on my car and I consider this fraud. I sent letter to dealer and bank and the dealer is not trying to refund my money or rescind the loan. The dealer is trying to state that I am outside the 30 day window and which they have to agree, however the letter I sent was within the 30 day window which they are not confirming.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: TX

Complaint narrative:
On XX/XX/XXXX I sent out 3 despite letters to all 3 credit unions along with proof of the settlement agreement with an account. XXXX removed the account and experian is refusing to remove the account they only decreased the balance. On XX/XX/XXXX experian adjusting the balance insted of removed the account. On XX/XX/XXXX I received the mail return that that had got all my paperwork. 
I settled in court with the company on a agreement that I sent in to experian with the proof from the court that the obligations of the agreement on my half were fulfilled. 

I have all the paperwork ready to go to be sent to the cfpb in full details on the matter.

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 2024-06-11 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: PA

Complaint narrative:
This complaint is in response to many attempts to have EQUIFAX update my consumer report as it relates to my credit accounts dating back to at least XXXX. I have a right to have my consumer report reflect a 100 % accurately. There are at the very least 9 accounts that should be reflecting on my consumer report that isn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: AL

Complaint narrative:
Their is inaccurate information being reported to all 3 credit bureaus concerning 3 closed accounts that have inaccurate information on it ( several late payments/derogatory ). 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern : This letter is regarding accounts that you claim derogatory information/late payments on these 3 closed accounts. This is formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-B ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC ; 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 2024-06-11 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: UT

Complaint narrative:
I would like to follow up and formally escalate a persistent issue regarding late open accounts that remains unresolved despite multiple attempts to seek resolution. I have previously submitted complaints on [ list dates of previous complaints ], but the problem persists, causing significant inconvenience and frustration. Despite my repeated efforts to address this matter, I have not received a satisfactory resolution. I request immediate attention to rectify this situation. Please provide a timeline for resolving this issue and any steps being taken to prevent its recurrence. I expect a response within the exact timeframe. I request regular updates on the progress of the correction process to ensure timely resolution. The following items should be correted as soon as possible : XXXX XXXX XXXX XXXX Balance : {$260000.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: NY

Complaint narrative:
I wish to address my recent review of the credit report obtained from your bureau. Upon meticulous examination, I observed the presence of reported late payments on my accounts, which I contest as erroneous. I have undertaken the necessary measures to verify any delayed payments. I am pleased to inform you that other credit bureaus have already expunged these late payments from their records. I am perplexed by the discrepancy in reporting between your bureau and the others. So please UPDATE and CORRECT the status of my 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 explanation
Consumer complaint received 2024-06-11 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: NJ

Complaint narrative:
I have sent countless letters to your bureau regarding my identity theft status, yet my concerns remain unresolved. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. Once again, I am disputing the fraudulent information negatively affecting 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 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 2024-06-11 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: AZ

Complaint narrative:
This is my several endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-11 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-11 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: MI

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for 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 non-monetary relief
Consumer complaint received 2024-06-11 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: CA

Complaint narrative:
There is a fraudulent report on my Transunion report from : XXXX XXXX on XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
To whom it may concern, Case # ( XXXX ) I am writing the letter to help me bring resolution to civil debt collection case ( XXXX ) I have been trying to resolve since XX/XX/XXXX. The original creditor is XXXX XXXX  ( XXXX XXXX XXXX ) and the debt was assigned to Cavalry SPV I , LLC. The original account was opened with XXXX XXXX  ( XXXX XXXX XXXX ) around XX/XX/XXXX for about XXXX. And on time payments was made up to coronavirus virus horribly struck our country in which I lost my job and forced on unemployment. Fast forward to XX/XX/XXXX I received a letter to collect a debt from Cavalry SPV I , LLC and I question this debt that is claimed to be owed. I received proper notice of the pretrial hearing by mail delivery service on XX/XX/XXXX. Since the beginning of this civil case, I have requested constantly validation of the debt, but I have never received the proper validation documentation. I attended the pretrial conference on XX/XX/XXXX which was referred to mediation because I provided the Judge documents that challenges the debt in question. During the mediation conference on XX/XX/XXXX I provided the acting attorney with all the documents that challenge the debt they say I owe. The documents that were provided were the Card Security Debt Cancellation Agreement Insurance Policy I actively had during that time. Which agrees to cancel any remaining debt in the event of a Job Loss, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or loss of Life. During that time, I called and notified the company of my Job loss due to covid and they submitted a claim on my behalf. I have not received any balance statements up until now. The mediation hearing resulted in no agreement. And I was told during the hearing that I would be notified with next steps from the attorney and the 2 mediators on the XXXX  call. I never received any kind of court notice or anything in the mail. Until I received two unmarked white envelopes in the mailbox stating I missed a court date on XX/XX/XXXX. I received the letters around XX/XX/XXXX, in which I went to the courthouse the next day and filed a motion for a rehearing. I believed I was taken advantage of due to the vulnerability of me not knowing how court proceedings actually work so I would not show up to my court hearing and have a final judgement and not have a chance to present my case to the Judge. I did received information from the clerk of courts on how to actively check on my case online at XXXX I do need help and some assistance with what I need to do to move forward in this situation. Please if there is anything I can do to help myself in this situation provide me with any resources or information that will help me in this matter. 
Thank you so much I really appreciate any assistance!!!! Case # ( XXXX ) / XXXX / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am writing this letter to dispute the following inaccurate information on my credit report. I am disputing any and all debts, I am also requesting that the following items be removed off of my credit report immediately! I am also revoking any and all rights of communication between myself and the collection agencies whether it is by mail, email, text or phone calls. I am requesting debt validation as well as the purchase agreements the collection agencies and the original creditor. I will also like written proof that they are licensed and bonded. 

The collection agencies have violated the following consumer laws12 CFR 1006.34 ( b ) ( s ) but yet they have placed a collection on my consumer report I was not given a chance to dispute account according to consumer law 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agencies is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. 

The collection agencies has no authority to furnish any accounts to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) The are the following account DISCOVER BANK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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'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 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 2024-06-11 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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There is inaccurate personal information on my credit profile such as phone numbers and names.

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