vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Services Inc.
State: NE

Complaint narrative:
This alleged debt collection of {$300.00} stems from a XXXX  visit from XXXX. 

On XX/XX/XXXX, my wife was surpisingly served at her job a notice of a lawsuit for the alleged debt. 

On XX/XX/XXXX, we have attempted by certified mail and telephone calls, requesting for the attorney of the collection agency to validate this for us. With all these attempts they have failed to validate the debt. 

Today being XX/XX/XXXX, being 30 days from our formal request to vaildate the debt, they have failed to send any information validating this alleged debt, also they are refusing offers to settle and instead are accruing more attorney fees of which they are hoping to win in court. 

For instance, on XX/XX/XXXX, we recorded a call that we made to the collectors. This call that I intiated, I spoke with a XXXX at Credit Bureau Services and she declined our mailed and signed offer, an offer that was to pay the full amount, all intrest fees, and lawyer fees. At this point we just wanted the harrasment to stop. So we did everything possible and in good faith to resolve this small alleged debt we were being accused of owing. 

On this XX/XX/XXXX recorded call, she, XXXX, was incorrect about 2 important aspects of this claim. 

First, XXXX stated in the recorded phone call, that we had the wrong amount in our offer, not true. 

Secondly, that since I and my wife had signed the settlement agreement, it was no good because my wife, was not on this alleged debt or lawsuit so that is why they refused to accept the offer. ( We do have this phone call record as evidence. ) As you will see ALL the lawsuit papers they do in fact have my wife on as a clear defendant in this alleged debt. 

All this has been in direct refusal to abide by credit collection laws, validation of the debt, refusal to settle in its entirity of their requsted amount, stating my wife isn't on the complaint, however she is listed as a defendant. 

We have not heard any respose from them and they, the planiffs, as they appear to be prolonging a case that is only wasting court time and resouces and our time away from work and fees to send certified letters etc! 

This is nefarious at best. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TN

Complaint narrative:
I checked my credit today and discovered that this company has reported that I owe them a debt. I was never notified of the alleged debt prior to it being added to my credit report. My rights have been violated according to the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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 Systems,Inc.
State: MI

Complaint narrative:
The XXXX known as XXXX XXXX sold a debt to Nation Credit Systems allegedly upon taking the company to arbitration about this behavior they stated they have since requested that the company cease collections until the arbitration process is completed as it is a violation of my rights to contract. The attorney for The XXXX stated their client has no knowledge of ever making any claims for continued collection. I request that National Credit Systems forward me the paperwork that is signed from someone from XXXX XXXX stating they have rights to collect. They keep stating they have verified with the client so I would like the documents that proves this as it would win my case against The XXXX and any lawsuit I bring forth against National Credit Systems. I have also filed with the attorney general of Michigan a complaint against National Credit Systems because they are not licensed in the state of Michigan to collect. If you do have a license provide it to me immediately. I do not give you permission to use my name or likeness of my name. Doing so violates copyright laws in place for intellectual property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LJ Ross Associates
State: MI

Complaint narrative:
I filed a previous complaint against this company on XXXX XXXX for calling and hanging up. This company has again called and hung up. On XX/XX/2024 at XXXX LJ Ross Associates made my phone ring several times and hung up. LJ Ross Associates was told to cease and desist from calling me, however ; the have ignored that request and are now harassing me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
I asked for and received a payoff from XXXX XXXX XXXX. The payoff was good through XX/XX/2024. I inquired and was told by XXXX XXXX that they received the funds on XX/XX/2024. I inquired again on XX/XX/2024 since I had not received further communication as to status. I was told Specialized Loan Services ( SLS ) now owned the paper. XXXX XXXX ( XXXX ) responded to me on XX/XX/2024 that she was working on the case with SLS. I inquired to XXXX again today and have not had an answer. The wheels came off during the transfer to SLS but I do not want to incur additional interest as a result. Help!!

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 2024-05-07 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 recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).

I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report. 
Account name : XXXX Account XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account 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 2024-05-07 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$1900.00}

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 non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.

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 2024-05-07 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 on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: DC

Complaint narrative:
i opened a checking acct at sofi mainly to receive unemployment deposits but the card was not compatible with XXXX virginia XXXX XXXX. i have the welcome emails and proof the account was open XXXX of XXXX i barely used the card i lost access to online login for some reasom which i came to learn was ss number on the acct was changed. my info was found in 3 data breaches in XXXX i informed them of this when i tried to prove to them o made a deposit i sti have the receipt it was XX/XX/XXXX th or around then but basically not one time did they ask fo tthr card i deposited to they finally have me access to an account with the email i used but there was no debit card or even a bank account it also showed the acct wad open XX/XX/XXXX when my emails prove it was months before they never asked for my ss number they kept hanging up on me as if they are a saying go f yourself. i finally said just give back my money that one reo said they see it whatever that means.. i want my {$360.00} i have all documents that verify my side XXXX XXXX XXXX XXXX last 4 of ss card number of deposited cash XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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 am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: NY

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2024-05-07 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been calling and filing dispute to equifax about the balance on my account being incorrect i have file several dispute and they seem to be ignoring me there was also the balance on my westlake account but they have since fix that now the problem is my credit card and they refuse to fix it i have even got the bank to send me a doc to prove that the balance is incorrect the bank told me they sent over the information since XX/XX/XXXX and they still have not update the information due to this my score is being affected and its not reflecting the correct information. 

I have called them and can't seem to get them to understand the improtantance of updating my information in a timely manner they have also encourage me to buy there service in order to see the most updated information and there is still no change i feel like Equifax has scam me and don't really care how this affects me and moving my future forward due to there in ability to keep my information accurate its costing me to be stuck bank won't loan me and i need a car living in the city im in i have to have a car to move around and i have been trying to finance one but have no luck due to this inaccurate information on my file..

15 U.S.C 1681It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy i think this code which is law is being violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: PA

Complaint narrative:
FCRA 605B seems to require us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the accounts listed have inaccurate reporting, including inaccurate amounts and dates.

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 2024-05-07 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:
PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-05-07 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: NY

Complaint narrative:
I am writing to delete the following information from my file : the items I selected are listed in the report I am a big team to identify theft and I did not make the charge. I reported the theft of my identification to the XXXX XXXX XXXX and I also have enclosed copies of the federal tray, commission identification, theft and affidavit. Please delete this item as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently received a copy of my XXXX bureus consumeXXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$12000.00}

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 non-monetary relief
Consumer complaint received 2024-05-07 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from 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 non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

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 2024-05-07 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: PA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

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 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.

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