vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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: 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 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 explanation
Consumer complaint received 2024-08-20 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: OH

Complaint narrative:
Experian XXXX and XXXX claim to investigate disputes but as I recently found out the don't all a company has to say is that it's correct no investigation no nothing just word of mouth.

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 2024-08-20 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: CA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX  XXXX Balance : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: CA

Complaint narrative:
I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$59000.00} - tied up

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm submitting this complaint personally regarding late payments on my credit report. Upon review, I discovered these entries. I sent inquiries over a month ago but have received no response or adequate verification. I'm seeking your help to resolve this issue quickly and efficiently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
I believe Hiday & Ricke , P.A . are trying to, once again, fraudulently collect on an old debt from over 20 years ago. Apparently there was an arbitration in XXXX that I knew nothing about and was not present at any of these apparent proceeding. In my attempts to trace any possible old debt, all I could find was a possible old XXXXXXXX XXXX XXXX that my wife had used that had less than {$1000.00} limit on. I am unfamiliar with any of the names or companies listed. I've never done any business with XXXX XXXX, or XXXX XXXXXXXX XXXX XXXX  XXXX. AS SUCCESSOR IN INTEREST TO XXXX XXXX XXXX XXXX. Apparently they won a judgement against me for {$22000.00} and the nightmare began. Almost 15 years ago they use the courts to take money from my bank account and then contacted my school ( XXXX XXXX XXXX  ) attempted to garnish my wages. My embarrassment and my ignorance of the law found me trapped in a meeting agreeing to a payment plan for I debt I had never heard of or that exceeded any possible old debt they may have purchased. I paid them over the next several years over {$10000.00}. I missed a payment one month and they sent me a letter stating that I owed them {$41000.00}. That's when I knew that this can not be legal. How is that possible? They continued to place exorbitant fines and interest that continued to double the debt. I tried to fight them in count representing myself and was predictably overwhelmed and swamped with legalese. They put a lien on my wifes car and disappeared for 6 years. I received a Subpoena Duces Tecum Without Deposition two weeks ago. I wrote them to again contest and again asked for the source of the original debt and to appeal for some resolution. No response. Today I received a letter from my bank that they had received a subpoena for my band records from Hiday & Ricke and I have till the XXXX of XXXX to have my attorney respond. I'm a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This law firm is set on destroying everything I have without a second thought and milking me for as much as they can get. How can I end this nightmare? I am not the only victim of this Company. There are multiple stories of this firms abusive and heartless tactics all across the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm submitting this complaint personally regarding late payments on my credit report. Upon review, I discovered these entries. I sent inquiries over a month ago but have received no response or adequate verification. I'm seeking your help to resolve this issue quickly and efficiently.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir/Madam : I am writing to address the late payments reported by your company on the following date : XX/XX/year> According to 15 USC 1681 ( a ) ( 2 ) ( A ), my consumer report should not include information that solely relates to transactions or experiences between the consumer ( myself ) and the person ( you ) providing the report. Payment history and the late payment entries are part of the transactions and experiences between your company and me, which negatively affect my credit report.

Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 USC 1666 ( b ) ] you have in place to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Additionally, please include all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the receipt of this letter to provide me with the requested information. If you fail to provide this information within the given time, it will be assumed that you can not verify the late payments on the specified date ( due to a lack of reasonable procedures to ensure the accuracy of my account ). Therefore, I request that you remove the late payments from my account and update my consumer report to positive with the relevant credit reporting agencies ( XXXX, Experian, XXXX, or any others applicable ). 
Additionally, please verify all inconsistencies I have sent to you with the three credit bureaus, which are attached and highlighted in red for your reference. 
Please send any updates regarding my account to the address below. Thank you for your attention to this matter. I look forward to a favorable response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SS # : 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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir/Madam : I am writing to address the late payments reported by your company on the following date : XX/XX/year> According to 15 USC 1681 ( a ) ( 2 ) ( A ), my consumer report should not include information that solely relates to transactions or experiences between the consumer ( myself ) and the person ( you ) providing the report. Payment history and the late payment entries are part of the transactions and experiences between your company and me, which negatively affect my credit report. 
Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 USC 1666 ( b ) ] you have in place to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Additionally, please include all the information required by Section 1637 ( b ) of Title 15. 
You have 30 days from the receipt of this letter to provide me with the requested information. If you fail to provide this information within the given time, it will be assumed that you can not verify the late payments on the specified date ( due to a lack of reasonable procedures to ensure the accuracy of my account ). Therefore, I request that you remove the late payments from my account and update my consumer report to positive with the relevant credit reporting agencies ( XXXX, Experian, XXXX, or any others applicable ). 
Additionally, please verify all inconsistencies I have sent to you with the three credit bureaus, which are attached and highlighted in red for your reference. 
Please send any updates regarding my account to the address below. Thank you for your attention to this matter. I look forward to a favorable response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS # : 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 2024-08-20 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: CA

Complaint narrative:
The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information 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 non-monetary relief
Consumer complaint received 2024-08-20 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: CA

Complaint narrative:
I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$59000.00} - tied up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: IL

Complaint narrative:
I'm submitting this complaint personally regarding late payments on my credit report. Upon review, I discovered these entries. I sent inquiries over a month ago but have received no response or adequate verification. I'm seeking your help to resolve this issue quickly and efficiently.

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 2024-08-20 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: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXXXXXX 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 2024-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I got my car from credit acceptance and the interest rate is ridiculous which is making it extremely hard to pay the car note down. The contract started on XX/XX/XXXX and the car note is {$520.00} for a XXXX XXXX XXXX with the original amount of {$34000.00}. Til this day XX/XX/XXXX I still owe {$13000.00}. The payout is {$10000.00} and the car isnt worth the amount. Interest rate of 22.9 %.

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 2024-08-20 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:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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 2024-08-20 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: CA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was a {$20.00} discount with the food. I paid for the receipt ( attached ) with {$20.00} discount. XXXX XXXX  and Bank of America charged excessive and did not refund {$18.00} to my credit card

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 monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Southwest Credit Systems - XX/XX/year> - I recently spoke with this company regarding a collections debt that is on all three of my credit reports. The creditor is XXXX. Ive requested on multiple occasions from this collector a debt validation letter and theyve refused to provide me with what Ive requested. Each time Ive requested the debt validation letter, they share that they can only provide a receipt of the total amount ( last bill ) from the company. I shared with the collections team that I needed to review a contract of some sort to confirm that it was me that had the debt and each time, I am denied or not provided a follow up of my request. Their only attempt is to collect on the account. They advised that it should be me that should contact T-Mobile regarding what Ive requested .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: OH

Complaint narrative:
XXXX XXXX and TransUnion claim to investigate disputes but as I recently found out the don't all a company has to say is that it's correct no investigation no nothing just word of mouth.

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 2024-08-20 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: OH

Complaint narrative:
XXXX Equifax and XXXX claim to investigate disputes but as I recently found out the don't all a company has to say is that it's correct no investigation no nothing just word of mouth.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2024-08-20 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: IL

Complaint narrative:
I'm alerting you to fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or approval, causing significant distress. As an identity theft victim, I've already reported this incident. This situation urgently needs addressing, as it's harming my financial standing and reputation. I request your help in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I'm ready to provide necessary evidence and, if needed, take legal steps to defend my rights and seek compensation. Your quick response to this critical matter is valued.

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 2024-08-20 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: IL

Complaint narrative:
I've made repeated efforts to address the issue of unauthorized inquiries on my consumer report without success. These inquiries are entirely unrelated to me, and I bear no responsibility for them. Their presence has caused considerable emotional and financial strain. As an identity theft victim, I may need to pursue legal action if this isn't resolved properly. These false and fraudulent entries have prevented me from purchasing my ideal home and meeting my family 's needs, significantly impacting my financial situation. I've attached a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution for your reference.

Company response to consumer: Closed with non-monetary relief