vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 consistently ensure that I pay on time, and I am sure of this. However, what I am unsure about is why this company is reporting me as late in certain months, which should not happen. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: CA

Complaint narrative:
I had a serious financial hardship XXXX month ( I always pay on time! ), and since I have a " simple interest loan '' ( no penalty for deferring a payment, I just end up paying more interest ), so when I learned XXXX of my salary would be taken straight out of my paycheck that month, I called Flagship to cancel the payment I had just made on their website. I asked the rep to stop the payment, but she said they could not because " it had already been processed, so you will have to call your bank and have them stop payment on their side. '' I told the rep to please put detailed notes in her system so when my bank called Flagship and another rep answered, the rep would see the notes and know to do the right thing ( confirm the stop payment in good faith, per our arrangement ). Well, the rep who answered my bank inquiry did NOT refer to or see the promised notes on my case, which meant I could not pay my full rent that month for myself and my son. When I called Flagship and asked to speak with a supervisor about the matter. I told the rep who answered and was unable to do anything at all that I needed to speak with a supervisor ; and, since she wouldn't come to the phone, I asked him to tell her to " call me back and discuss this or ( feeling helpless ) I would be writing up a couple reviews on the XXXX most popular business review sites! '' And so, " Here XXXX am and XXXX Flagship! ''

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 2024-05-03 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: NC

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 2024-05-03 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 am writing to dispute certain late payment accounts that are appearing on my credit report. Upon reviewing my credit report, I noticed discrepancies regarding the payment history associated with the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX According to my records, these accounts have been consistently paid on time, and there should be no history of late payments associated with them. I believe there has been an error in reporting, and I request that you investigate and rectify these inaccuracies promptly.

Enclosed with this letter are copies of relevant documents, including bank statements and payment receipts, that corroborate my claim of timely payments. I urge you to review this evidence carefully and update my credit report accordingly.

I understand the importance of maintaining accurate credit information, and these inaccuracies have the potential to adversely affect my creditworthiness. Therefore, I kindly request that you expedite the investigation process and inform me of the results in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: MO

Complaint narrative:
I am writing to provide an update on my ongoing efforts to remove this charge off account listed on my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter.

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the account remain on my credit report, negatively impacting my creditworthiness and financial standing.

This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to remove this account in my credit file : XXXX XXXX XXXX XXXX Balance : {$3800.00}.

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 2024-05-03 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 am writing to dispute certain late payment accounts that are appearing on my credit report. Upon reviewing my credit report, I noticed discrepancies regarding the payment history associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX 

According to my records, these accounts have been consistently paid on time, and there should be no history of late payments associated with them. I believe there has been an error in reporting, and I request that you investigate and rectify these inaccuracies promptly. 

Enclosed with this letter are copies of relevant documents, including bank statements and payment receipts, that corroborate my claim of timely payments. I urge you to review this evidence carefully and update my credit report accordingly. 

I understand the importance of maintaining accurate credit information, and these inaccuracies have the potential to adversely affect my creditworthiness. Therefore, I kindly request that you expedite the investigation process and inform me of the results in a timely manner.

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 2024-05-03 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: NY

Complaint narrative:
According to FCRA 605B, it's necessary for us to eliminate any inaccurate accounts from my credit report. Could you review the documents? Several of the accounts listed contain inaccurate information. I am entitled to receive {$1000.00} for each inaccurately reported item on my credit file.

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 2024-05-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Credit and Collections Inc.
State: IL

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiry which were being posted to my reports. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-05-03 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiry which were being posted to my reports. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: NY

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

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 2024-05-03 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:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

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 2024-05-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists

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 2024-05-03 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: MO

Complaint narrative:
I hope this letter finds you well. I am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit file. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter. 

This persistent issue has caused significant stress and hardship. It is crucial that these inaccuracies are promptly addressed to ensure the fair and accurate reporting of my credit history. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. The following items should be removed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-03 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 am formally requesting in this complaint to update the account in my credit profile that is appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX : XXXX XXXX  Date opened : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} -- -- -- -- -- -- -- Equifax : XXXX XXXX XXXX Date opened : XX/XX/year> XXXX Balance : {$0.00}. In addition please provide evidence that the account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please update the inaccuracy on this accounts information as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: NY

Complaint narrative:
I recently reviewed again my XXXX, XXXX and Equifax credit reports and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. This is a violation of XXXX XXXX XXXX for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: MO

Complaint narrative:
I am writing to provide an update on my ongoing efforts to remove this charge off account listed on my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the account remain on my credit report, negatively impacting my creditworthiness and financial standing. 

This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to remove this account in my credit file 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 2024-05-03 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: MO

Complaint narrative:
I am writing to provide an update on my ongoing efforts to remove this charge off account listed on my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the account remain on my credit report, negatively impacting my creditworthiness and financial standing. 

This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to remove this account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation