vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: CO

Complaint narrative:
Re : Dispute of Account Information - XXXX, Account Number : XXXX Dear Consumer Financial Protection Bureau , I am writing to formally dispute the information on my credit reports regarding the XXXX  account, Account Number : XXXX. After careful review of my credit reports from TransUnion and XXXX, I have identified significant discrepancies that need to be addressed urgently to ensure the accuracy of my credit information. 

1. **Date Opened Discrepancy : ** - TransUnion reports the date opened as XX/XX/2019. 
- XXXX reports the date opened as XX/XX/2019. 
-THE ACCOUTN IS MISSING FROM THE XXXX REPORT The conflicting dates of when the account was opened raise concerns about the consistency and accuracy of the reported information. 

2. **Monthly Payment Discrepancy : ** - TransUnion reports a monthly payment of {$190.00}. 
- XXXX reports a monthly payment of {$190.00}. 
-THE ACCOUTN IS MISSING FROM THE XXXX REPORT Discrepancies in the reported monthly payment amounts suggest a lack of uniformity in the data provided by XXXX , which may impact my credit profile. 

3. **Balance Discrepancy : ** - TransUnion reports a balance of {$8200.00}. 
- XXXX reports a balance of {$8300.00}. 
-THE ACCOUTN IS MISSING FROM THE XXXX REPORT The inconsistent reporting of the balance on the same account raises questions about the accuracy of the information provided by XXXX . 

4. **Payment Status Discrepancy : ** - TransUnion reports the account as " Late 120 Days. '' - XXXX reports the account as " Late 150 Days. '' -THE ACCOUTN IS MISSING FROM THE XXXX REPORT The conflicting late payment statuses on the same account across different credit bureaus create confusion and could have a significant impact on my credit score. 

Considering these discrepancies, I request an immediate and thorough investigation into the accuracy of the XXXX account information from TransUnion. I kindly ask that you delete the account information accordingly to ensure the accuracy and consistency of my credit reports. 

I appreciate your prompt attention to this matter and request updates on the progress of the investigation within the required time frame. 

Sincerely,

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 2024-03-05 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: LA

Complaint narrative:
I urge you strongly to address and rectify the unauthorized accounts that have appeared on my credit report. These entries are negatively impacting my creditworthiness despite my lack of association with them. Please ensure their swift removal and take preventive measures to avoid similar errors in the future.

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

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: GA

Complaint narrative:
I am writing to file a complaint regarding an inaccurate bankruptcy entry on my credit bureau report. Despite never having filed for bankruptcy, this entry is negatively impacting my creditworthiness and financial opportunities. 

Thank you for your attention to this issue. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX

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

Complaint narrative:
I have submitted a complaint on XX/XX/year> ( complaint ID # XXXX ) about XXXX XXXX XXXX Account # XXXX Amount : {$110.00} and have not received any updates on this issue. I reached out to the creditor again at XXXX and spoke with the fraud dept on XX/XX/year> at XXXX and was advised that the account has been listed as closed and the application has been deemed as fraud due to a credit repair agency possibly opening the account with my information. The fraud dept advised that I reach out once again to XXXX, XXXX and Transunion to notify them that this account should be removed from my consumer report IMMEDIATELY.

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 2024-03-05 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: GA

Complaint narrative:
I have submitted a complaint on XX/XX/2024 ( complaint ID # XXXX ) about XXXX XXXX XXXX Account # XXXX Amount : {$110.00} and have not received any updates on this issue. I reached out to the creditor again at XXXX and spoke with the fraud dept on XX/XX/2024 at XXXX and was advised that the account has been listed as closed and the application has been deemed as fraud due to a credit repair agency possibly opening the account with my information. The fraud dept advised that I reach out once again to XXXX, Equifax and XXXX to notify them that this account should be removed from my consumer report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Medical Data Systems, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX hospital said there was nothing they could do. The doctor would not discharge me unless I let him give me XXXX to wrap the fingers. I could have wrapped them top myself. I was there for about an hour. I had insurance and they paid over XXXX and I had to pay out of pocket XXXX and then they still sent me another bill of XXXX. They forced me to take the XXXX shots so they could say they actually did something. Totally unprofessional! They would NOT let me pay a small monthly payment and insisted I pay it all at once. Now another company bought that debt and it is on my credit score foe almost XXXX  years now. The new company never provided any service to me. The governor of XXXX  just passed a bill paying hospital debts for people like me. I want to go to court over this or have it removed.

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

Complaint narrative:
I reviewed again my credit reports and I can still see the inaccurate information that needs reporting and correction through your company. It's been affecting my life. Please I need this fix as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase allowed 9 disputes from a fraudulent caller to all my bills car insurance, electric water and other bills. I never received a verification to those disputes until the 9th one. Fraud held that acct open for investigation and set up 3 step authentication. Opened a new acct and they allowed another dispute of XX/XX/year> to be be pulled from my new account. I would never file a dispute of charges during an investigation on my old account after being hacked and hacked in new account that I only paid 2 bills. All my bills were caught up. I called fraud and customer service they refuse to understand nor accept fault. I must also state that not one in my several calls amd 14 transfers ever did they 3 step authentication per agreement, I want that charge removed from my new account and this dispute completed. Chase must take full blame for zero protection. I have filed with all irs, social security Fraud department Identity theft and will have police report, if this is not Handled with professionalism. I have banked with chase for 30 plus years. I am living on XXXX and this has caused me way to much stress. Thank you for any assistance to this matter.

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

Complaint narrative:
Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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:
I was looking over my credit report and found two accounts that don't belong to me XXXX XXXX for {$1600.00} date open XX/XX/year> and XXXXXXXX XXXX XXXX for {$250.00} date opened XX/XX/year> debt buyer is XXXX XXXX .according to the 15 usc 1681 law, there should not be any damages on my report is a defamation to my character.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Superior Holdings, LLC
State: IN

Complaint narrative:
Company : Superior Auto XXXX, In Location : XXXX XXXX XXXX XXXX, XXXX, IN XXXX Issue : Potential Preditory Lending Practices. 
Purpose of loan : Purchase Vehicle Loan Terms : 48mo. @ 21 % interest Sales Person : XXXX XXXX Title : General Manager Vehicle Description : XXXX XXXX XXXX XXXX XXXX Stock # XXXX Vin # XXXX Mileage : XXXX Non-Listed Price : XXXX, XXXX Observed issues : Poor Tire Condition XXXX XXXX Value of vehicle when purchasing from a Dealership : Market Price : $ XXXX $ XXXX, with a Fair Market Value : {$13000.00} Issue : I am in the 4th year of a 5 year XXXX XXXX XXXX. I am very well aware that at the time the 21 % interest rate is to be expected. What was not expected was the " Non '' negotiable 31 % markup of the vehicle. In no other circumstance in XXXXXXXX XXXX can a dealership increase the selling price of a vehicle by 31 % " over '' a vehicle without negotiating. 

This places the typical buyer in need of a vehicle, to simply get to work at a major disadvantage to preditors. I'm fortunatly not in that situation, and I'll just save the money, and pay cash. 

What concerns me, is the folks walking thru the door after I left. The looked as if they were already struggling, and a preditor like this is only going to make their situation worse. To pay {$31000.00} for a {$13000.00} vehicle in nothing short of theft. I'm in the situation as a result of XXXX, and I have the means and education to get thru it. But, this practice should be illegal if it's not. 

Please let me know, if this is actually legal. I'll be also be addressing this with my State and Federal Representatives. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX. I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete XXXX XXXX from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX. I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete XXXX XXXX from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
I most recently pulled my credit report and noticed an account with your company JEFFERSON CAPITAL reporting an account with the account # XXXX. I am challenging the amount you are attempting to collect as I do not agree, and I strongly feel that your company is in violation of Section 807 ( 2 ) ( A ) of the FDCPA. Your company is reporting unverifiable information to the credit bureaus. Because I have no access to this account to verify this information, I am requesting that you provide ALL historical data of this account. Please include the original contract or promissory note which should include the fees, interest rates, penalties, etc. The amount on my credit report is not the same as the balance I had with the original creditor. The contract you provide me should clearly list your company as a business affiliate or associate of the XXXX, as to any amount due to be paid to your company. I am completely unaware of being obligated to pay your company any amount. There was nothing sent to me informing me that I have anything due to you. Also, I have most recently learned that you must have MY permission to report this unverified debt. Please remove this immediately from reporting to the CRA 's until further investigation is done. Please inform me of the amount of which the debt was purchased and the forward flow agreement. Per the CFPB, I have this right as a consumer. I have received nothing validating this debt, and it has been well over XXXX days. I will be taking Jefferson Capital to court for negligence and gross misconduct if this account is not removed within XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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 have recently reviewed my credit reports from XXXX, XXXX, and Experian and have identified numerous inaccuracies that require immediate rectification. These inaccuracies include but are not limited to : Incorrect account information, such as accounts that have been inaccurately reported. 
Outdated or obsolete information that should have been removed from my credit reports. 
Inaccurate payment history and account statuses that do not reflect my actual financial history. 

I believe these inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e and 1681i, which require credit reporting agencies to maintain accurate and up-to-date information and provide procedures for consumers to dispute inaccuracies in their credit reports. According to the FCRA, credit reporting agencies are required to conduct a reasonable investigation into a consumer 's dispute within 30 days of receiving the dispute notice.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
XXXXLexisNexis listed XXXX events on consumer report that are false. 
XXXX. On XX/XX/XXXX A comprehensive coverage claim for < or = {$1000.00} with a {$2000.00} deductible which was never filed. 
XXXX. On XXXX XXXX, XXXX A not at fault accident. 
I never had an accident in XXXX.

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

Complaint narrative:
I got a used car from sames with the bank XXXX XXXX and I have given XXXX on time payments and they have not reported anything to the credit!! I called back in XXXXXXXX XXXX XXXXXXXX and they said they had fixed it but nothing!! Were in XXXXXXXX XXXX XXXXXXXX and they havent resolved anything!! 
I want to buy a house and get another vehicle and i cant because my credit is stuck and not accurate!! Im very mad and dissapointed i will never and encourage no one to use flagship credit!! I call and call and they say they are working on it and nothing ... Im certain that if i fail a payment they will report it fast!!!

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