vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: VA

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts 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 explanation
Consumer complaint received 2024-10-28 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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts 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 explanation
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
This is the 3rd complaint and the company just refuses to fix my issue and blames for not paying a bill I can not pay. I have called and called and no one knows whats going on nor can any fix their broken system and I am being punished for it. Please step in and force Ally to immediately fix the pay system so I can make payments. They are forcing me to pay a fee each time I call because their system does not work for me via app or internet

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I used my TJ Maxx store card once in XX/XX/year>. The charge was {$190.00}. 
I closed my account but forgot to pay the balance, which is now {$460.00} - {$260.00} more than my initial charge in XXXX, just 6 months ago. 
Synchrony Bank, the lender, has charged me interest plus an extra {$210.00} in late fees in 6 months - more than my initial {$190.00} charge. 
I would like to pay the charges with interest but not the late fees. The lender has badly hurt my credit score and will not reconsider the late fees. 
How should I proceed?

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE HELP ME, EVERY TIME IM SEEING THESE FRAUDULENT ACCOUNTS, THESE ARE GIVING ME STRESS. I WANT THESE TO BE TAKEN OFF FROM MY CREDIT REPORT PERMANENTLY.

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 2024-10-28 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: NE

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I own the Chase XXXX XXXX card and I have been trying to use the Pay Yourself Back option for quite some time. As of today XX/XX/XXXX, I have tried again and I still can not redeem my miles to pay the annual fee in which the period expires on XX/XX/XXXX. I have called countless times to Chase and they have told me that they would escalate the situation but every time I try and call I receive the same result. I am frustrated that I am unable to redeem my miles and angry that Chase is not honoring the features of the product. Instead of using XXXX miles, I will now have to pay the annual fee of {$520.00} which I highly do not want to do. In the 3 month period that Chase has given me, I have not been able to pay with my miles once. My XXXX account, XXXX, is connected to my Chase account, card ending in XXXX. I do not know who else to turn to as others have had similar issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : Personal Infomrmation : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX : XXXX XXXX Employers : XXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
To Whom It May Concern : I am submitting a complaint regarding Ally Financial for inaccurately reporting information on my credit files with XXXX, XXXX, and XXXX. The discrepancies across the three bureaus are unfairly damaging my credit score and overall financial standing. I respectfully request the CFPBs assistance in ensuring that Ally Financial corrects these errors and aligns the information accurately across all credit bureaus.

Account Details : Creditor : Ally Financial Reported Issues : Inconsistent and incorrect reporting across XXXX, XXXX, and XXXX Issue Summary : XXXX. Inconsistent Reporting Across Bureaus : Ally Financial has reported incorrect and inconsistent information on all three credit bureaus. These discrepancies include variations in dates, balances, and account status, creating a misleading and inaccurate portrayal of my credit profile. 


XXXX. Request for Correction of Errors : I have previously contacted Ally Financial to address and correct these issues, but they have failed to make the necessary updates across the credit bureaus. This continued inaccurate reporting has caused significant and undue harm to my credit score.

Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation of the reported information. Due to the inaccuracies in reporting, I am requesting immediate correction and alignment of the information on my credit reports with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts are also inaccurate. 

acc.name : XXXX acc.nuber : XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear Equifax, XXXX XXXX XXXX, This letter is being sent to you in response to a recent charge that was made on my credit report that I dont recognize. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your office provide me with competent evidence that I have any legal obligations to pay. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative marks found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action was taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listings of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NE

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-28 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: NE

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
To Whom It May Concern : I am submitting a complaint regarding LVNV Funding LLC for inaccurately reporting a disputed debt on my credit report. This debt was previously disputed with XXXX XXXX, the original creditor, and subsequently removed from my credit reports due to XXXX XXXX violation of consumer protection laws. Despite this, LVNV Funding LLC purchased the debt and is now inaccurately reporting it as a collection account. I respectfully request the CFPBs assistance in ensuring the removal of this account from my credit reports with XXXX, XXXX, and XXXX. 

Account Details : Original Creditor : XXXX  XXXX Current Creditor : LVNV Funding LLC Account Number : XXXX Open Date : XX/XX/year> Reported Balance : {$1500.00} Reported Delinquency : XX/XX/year> Debt Purchase Date by LVNV Funding LLC : XX/XX/year> Issue Summary : XXXX. Previous Dispute and Removal by XXXX  XXXX : This debt was previously disputed with XXXX  XXXX due to inaccuracies and consumer protection law violations. XXXX XXXX ultimately removed the debt from my credit reports, acknowledging the validity of my dispute. 


XXXX. Inaccurate Reporting by LVNV Funding LLC : Despite XXXX XXXX removal of the debt from my credit reports, LVNV Funding LLC purchased this account and has since reported it as a collection with an installment balance. This action disregards the original dispute and removal of the debt, resulting in misleading and incorrect information on my credit reports. 


XXXX. Unlawful Re-Reporting of Disputed Debt : The continued reporting of this debt by LVNV Funding LLC is in violation of consumer protection laws, as the original debt was previously disputed and removed. Their actions are causing ongoing harm to my credit and financial standing. 



Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation. Due to the inaccuracies and the previous dispute with XXXX XXXX, I am requesting the immediate removal of this account from my credit report across all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: AZ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Pursuant to XXXX XXXX XXXX ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), I am entitled to take these actions to protect my credit. 
The accounts in question are as follows : XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$6200.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$890.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$770.00} Additionally, I would like to address the inquiry associated with my credit report : XXXX XXXX XXXXXX/XX/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 2024-10-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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