vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
This account was charged off on the following date XX/XX/XXXX since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history this inaccurate information falsely manipulated the status of limitations.

The account charged off was {$6800.00} dollars I had a payment agreement from XX/XX/XXXX to pay {$200.00} dollars per month which I have been paying on time. ( 16 months at {$200.00} dollars = {$3200.00} dollars ) I paid in full the obligation on the XXXX XXXX XXXX XXXX the agreed upon amount of {$5200.00} dollars. 
Today XX/XX/XXXX after 3 months they still have not updated the credit bureaus to reflect that payment. This is directly impacting my credit score in a negative way and the information they are reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover closed my credit card after I missed XXXX payments after having emergency XXXX and was out of work. I barely had money to pay my rent or take care of my children. Discover blocked me from accessing the discover portal to even see what my balance was. Discover closed my card XX/XX/XXXX. I was out of work XX/XX/XXXX to XX/XX/XXXX. I didnt receive my short term XXXX until XX/XX/XXXX. Fast forward to Saturday afternoon XX/XX/XXXX. Theres a knock on the door. Its an XXXX guy in a XXXX  car. License plate hanging off the front bumper dressed in regular clothes : grey tshirt, black sweatpants, and slippers. He asks my son if I am home. I come to the door he hands me an envelope with a paper attached to it and walks off. I open the envelope to find crudely printed copies of a lawsuit from discover that was filed in the court on the XXXX of this month. This man could have been anyone. I dont have visitors to my home except for family who live in another state. There was no badge, no paper to sign, nothing. Very unprofessional and according to Texas law illegal. 

A number of Texas statutes designate the XXXX of XXXX as a process agent, authorizing the XXXX of XXXX to accept service on behalf of another person. Statutes Designating XXXX of XXXX as Process XXXX. 

In addition to the statutes designating the Secretary of XXXX as process agent, the procedures for serving a person through the Secretary of XXXX are governed by Rule XXXX of the Secretary of XXXX administrative rules, the Texas Rules of Civil Procedure, the local court rules, and any other applicable law. 

Generally, service on the Secretary of XXXX XXXX be made by : A sheriff or constable A person over 18 years of age authorized by written order of the court A person certified under order of the Supreme Court The clerk of the court in which the case is pending ( by certified mail, return receipt requested ) The party or the representative of the party ( by certified mail, return receipt requested ) Any other person authorized by law See Tex. R. Civ. Proc. Rule 103 ; Tex. Civ. Prac. & Rem. Code 17.026. 

After reading the paper that was sent I see Discover went to Abclegal.com and created the entire lawsuit. The amount on the paper is much more than what I owe. I had a limit of {$4900.00}. The balance is over {$6000.00} now. I was always faithful and timely with my payments. I got sick in XXXX of XXXX and things got bad for me. I had my first episode in XXXX of XXXX and then a major episode in XXXX of XXXX. 

I understand a judgment is a way for Discover to seek damages. There was no damages brought to discover the damages were done to me. The paperwork received is a poor copy of maybe an original I have no idea. Its black and white and missing lots of the information. Part of the paperwork isnt even filed out so this is all questionable. The paperwork is barely legible!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 and 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 2024-05-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Absolutely no disputes are to be entered from this complaint. This is just me providing my documentation to you once again. Tbe issue isnt the lender not reporting like XXXX lead to believe. Absolutely not possible when month after month other CRA reports never have this problem yet repeatedly this report does. 

Absolutely no disputes are to be entered My credit file has been messed up dating back to my knowledge at least around XX/XX/XXXX. 

Ive exhausted myself in every possible way to explain what I see vers what ultimately gets reported out etc. Ive tried mailing documents showing everything with no follow up action or results. Ive spent countless hours on tbe phone with this agency seeking help. Repeatly told a XXXX would call. To this date that has never happened. Ive repeated requested a file review of everything from top to bottom given massive time frame itll take to only learn once that window comes and goes that there isnt a time frame on this. Ultimately its never been done. I last requested such on XX/XX/XXXX here we are a month out and truthfully the issue today is by far the worse its ever been.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: NJ

Complaint narrative:
I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. I am expecting you to update and correct the status of my account : 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 2024-05-28 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



XXXX XXXX XXXX Account XXXX Account number XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct 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 2024-05-28 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-28 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-28 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: CA

Complaint narrative:
I am writing to you today to once again dispute the account that appears on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent account was opened in my name without my knowledge. I already forwarded the required FTC report to the bank and they have acknowledged that this account was fraudulent and have removed them. However, I have noticed that your bureau has continued to report this account, even though the other credit bureaus have already removed it. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove this fraudulent account, you are not complying with the law and are putting me at risk of further harm. So, I'd like you to remove/delete the account from my report : XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Springs Oaks Capital purchased a falsified debt from XXXX XXXX regarding a pay day loan. This deb is not owed. And, the debt appears to soly consist of interest charges of 247 %. The statement that was provided to me by Springs Oaks, does not include a full statement including remaining balances post payments ( including interest rates charged ) and Spring Oaks has not responded to documentation that I have provided. Springs Oak added this falsified debt to my credit report in attempt to extort money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2024-05-28 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:
I am contacting you once more about the fraudulent items that still appear on my credit report despite my multiple attempts to get them removed. This is now my eighth attempt to resolve this issue with your organization, and I am very disappointed with the lack of progress. Despite submitting disputes and supporting documentation on XX/XX/year>, the items remain unresolved, which is damaging my credit history and causing me significant stress. I am hoping that this time my request will be given the proper attention. I kindly ask for a thorough investigation into the fraudulent items on my credit report and immediate action to remove them. Additionally, I would like transparency regarding the steps taken during the investigation and an explanation for the repeated failure to address this issue. The items that need to be removed are as follows : XXXX XXXX XXXX XXXX  Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/year>. I am committed to resolving this matter amicably and trust that the credit bureaus are equally committed to maintaining accurate credit 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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Columbia Debt Recovery LLC, also known as Genesis, is reporting a bill of {$150.00} for a property called XXXX XXXX. I contacted this company on XX/XX/XXXX to inform them that the bill does not belong to me and that they are reporting inaccurate information. The original company, XXXX XXXX, claimed that I owe {$150.00} for an additional screening fee, which they supposedly billed me after I decided not to proceed with leasing their apartment. 

There is no valid reason for XXXX XXXX to charge an additional screening fee, as I had already been approved for the unit and had paid a {$100.00} application fee. It seems that XXXX XXXX retaliated against me for choosing not to lease the unit by charging me an unwarranted fee of {$150.00}. This fee was neither necessary nor agreed upon for the additional screening. As a result, I have been denied an apartment application. 

I have requested that they remove this debt from my credit report, but I have received no response. I have also noticed that Columbia Debt Recovery LLC continues to report this debt to all major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. I am expecting you to update and correct the status of my account : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief