vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding the reporting of inaccurate information on my credit report. I recently reviewed my credit report and discovered that the inaccurate information, continues to reflect inaccurate late payments. I had previously addressed and repaired this account, and it is disconcerting to see that inaccurate information persists on my credit report. 

Account Information : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I kindly request that you conduct a thorough investigation into this matter to verify the proper reporting of information on my credit report. I expect that you will take the necessary steps to rectify any inaccuracies promptly. Under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and up-to-date information on my credit report, and I trust that your bureau will adhere to the legal obligations set forth by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: IL

Complaint narrative:
I am writing to formally dispute the inclusion of certain accounts on my credit report, as their presence is unauthorized and in violation of consumer protection laws. I expect your immediate attention and resolution of this matter to ensure the accuracy and fairness of my credit history. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$380.00}

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 2023-11-22 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention some concerns I have regarding the accuracy of the information related to an account with your organization. After reviewing my credit report, I have identified discrepancies in the reported Date Opened and High Credit on the account in question. 

To ensure the accuracy of my credit information and to address these concerns, I am formally requesting validation of the debt associated with the account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt and supporting documentation. Please provide details regarding the accuracy of the Date Opened and High Credit, and any documentation supporting this information. 

Furthermore, I would like to inquire about the status of any insurance claims filed in connection with this account. If insurance has been claimed, kindly provide details of the claim and its resolution. 

In addition, I am seeking clarification on whether a Form 1099-C, Cancellation of Debt, has been filed in relation to this account. If so, please provide documentation related to the filing and any relevant information about the canceled debt.

I would like to draw your attention to the importance of accurate credit reporting, as outlined in 15 U.S. Code 1681n. This section establishes civil liability for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). It is crucial for creditors to ensure the accuracy of the information they report to credit bureaus, as inaccuracies can have serious consequences for consumers.

Moreover, I wish to highlight 15 U.S. Code 1692e, which prohibits false or misleading representations by debt collectors. Providing accurate and verifiable information is essential to maintaining the integrity of the debt collection process and ensuring fair treatment of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion sent a black and white blurred faded in copy of my credit report which I am unable to read. I am unable to view my credit report online to correct the multiple inaccurate information on my credit report. It has been over 30 days I've been trying to obtain 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 explanation
Consumer complaint received 2023-11-22 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 have put in several complaints against XXXX and Experian. They refused to move false information off of my report. They failed to do their investigation. They lied and said that the information was verified by the company. The Company, XXXX XXXX state that they dont have any records of me having a lease or financial account with them. On my report for XXXX and Experian. It states that I made payment to XXXX XXXX and that I have a balance of approximately {$11000.00}, which is false information. This account does not exist. XXXX and Experian have violated my consumer rights. This will be my last complaint to the CFPB. If this matter is not handled after this, I will filing a pre lawsuit against XXXX and Experian

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 2023-11-22 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: AR

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ADESA CORPORATION
State: TX

Complaint narrative:
Par North America which is a 3rd party company repossessed ( stole ) my vehicle on XX/XX/. I was not given proper notice from the original creditor, XXXX XXXX XXXX which a complaint will be filed against them as well. I did not receive a letter from XXXX the original creditor until on or about XX/XX/XXXX  and it is dated as mailed out XX/XX/, however my vehicle was repossessed ( stolen ) on XX/XX/. 

Par North America is a 3rd party company that was not given permission or authorization to use my information ( name, address ect ), nor did I give them permission to take my vehicle. I never entered into any agreement or contract with this 3rd party company who stole my vehicle. They are now threatening to sell my vehicle on or about XX/XX/XXXX  without giving the proper notifications and without giving me enough time to respond to their threat to sell my vehicle. 

I sent them documents via email and fax and a letter for them to cease the sell of my vehicle and to return my vehicle for violating laws, statutes and codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: MI

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 2023-11-22 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: AR

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: AR

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-11-22 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: AR

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX 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 2023-11-22 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: AR

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-11-22 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: NC

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I used a service called fresh books to create an invoice and they had an integration to accept payments with a company called Wepay. I then created my account. They did not say anything was wrong. As soon as I got the money in the account, they closed my account, and they said I violated their terms, but they did not specify what terms and they are withholding my money for 120 days. I request an appeal and they have not gotten back to me/will not get back to me and there is no customer support number. 

I have also seen plenty of reports about the same issue regarding this company - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: Army and Air Force Exchange Service
State: FL

Complaint narrative:
There is an Inaccurate inconsistent payment history reporting for this account. Ive attached a screenshot of the payment history for your records. Ive sent in disputes by mail to this company, they have not responded to any of my letters. Per FCRA, this is a violation of reporting false unverified information. This account is paid and closed and should not be reporting as a collection account for the month of XX/XX/2019. How is it that the last payment date in this account was XX/XX/2019, yet it was in collections XX/XX/2019? So it went from being paid to in collections in 30 days? Please remove from my credit report. This account hasnt been verified and has inconsistencies.

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 2023-11-22 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: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. 

All account Types A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely. 
I demand that this company delete and or update these accounts on my credit report or I will have no choice but to forward this to my litigation attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I hope this letter finds you well. I am writing to address serious concerns regarding the inaccurate and incomplete information that has been reported to consumer reporting agencies in connection with an account under your management. My review of my credit reports from XXXX and XXXX reveals discrepancies that violate the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are as follows : XXXX : Date Opened : XX/XX/2023 Past Due Balance : {$0.00} XXXX : Date Opened : XX/XX/2023 Past Due Balance : {$410.00} It is imperative to emphasize the importance of accurate reporting, particularly with regard to the Date Opened on these accounts. Under 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies have a responsibility to provide accurate and complete information. Knowingly reporting inaccurate dates is a violation of this statute, and such violations can lead to serious consequences. 

Additionally, I would like to draw your attention to 15 U.S. Code 1611, which establishes criminal liability for willful and knowing violations of the FCRA. It is crucial to understand the gravity of these violations, as they not only have legal ramifications but also impact the affected consumers ' creditworthiness and financial standing. 

The discrepancies in the reported Date Opened are significant, as they impact the accuracy of my credit report and may influence my creditworthiness. I request that you promptly investigate these discrepancies and take corrective action to rectify the inaccurate information reported to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: NY

Complaint narrative:
I have put in several complaints against Equifax and XXXX. They refused to move false information off of my report. They failed to do their investigation. They lied and said that the information was verified by the company. The Company, XXXX XXXX state that they dont have any records of me having a lease or financial account with them. On my report for Equifax and XXXX. It states that I made payment to XXXX XXXX and that I have a balance of approximately {$11000.00}, which is false information. This account does not exist. Equifax and XXXX have violated my consumer rights. This will be my last complaint to the CFPB. If this matter is not handled after this, I will filing a pre lawsuit against Equifax and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: IL

Complaint narrative:
Am writing to formally dispute the inclusion of an account on my credit report, as it was established without my knowledge or consent, using my personal information, such as my Social Security number. The circumstances surrounding this account clearly violate consumer protection laws, and I insist on its immediate removal from my credit record.XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX. ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX. ) XXXX XXXX : {$460.00}.

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 2023-11-22 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. XXXX and remove 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 non-monetary relief