vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: EQUIFAX, INC.
State: AZ

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 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: AZ

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 :

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 2024-08-15 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: MS

Complaint narrative:
To Whom It May Concern, I'm writing to dispute personal information appearing on my credit report maintained by you bureau. Upon viewing my credit report, I noticed discrepancies in the personal Information section, which I believe inaccurate. 

I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 

According to The Fair Credit Reporting Act ( FCRA ), I have the right to report inaccurate or incomplete information on my credit report. I'm requesting that you promptly remove or correct any inaccurate information from my credit report. Enclosed with this letter are copies of documents that verify my correct personal information, including a government issued identification card and any other supporting documents. 

By the revisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditors who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C 1681i ( a ), you must complete this investigation in 30 days of receipt of this letter. According to the act, Act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the last 6 months. 

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 explanation
Consumer complaint received 2024-08-15 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: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: EQUIFAX, INC.
State: FL

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 Balanced {$380.00} XXXX XXXX Balanced {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: FL

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 Balanced {$380.00} XXXX XXXX Balanced {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : 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 2024-08-15 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: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : 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 2024-08-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my concerns about several issues I have encountered with the credit bureau, including inaccurate account listings, incorrect credit reporting, billing discrepancies, and accounts that do not belong to me.

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 2024-08-15 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: FL

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX Balanced {$1000.00} XXXX XXXX Balanced {$0.00} XXXX XXXXXXXX XXXX Balanced {$39.00} XXXX XXXX XXXX Balanced {$1700.00} XXXX XXXX XXXX Balanced {$630.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
I have had hundreds of reports of fraud on this company. 
Debit fraud tons of it. This was just one of the companies that took part in my identity theft. I live in hiding now.

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 2024-08-15 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: AZ

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Balanced {$2100.00} XXXX XXXX Balanced {$4700.00} XXXX XX/XX/year>

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 2024-08-15 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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
Consumer complaint received 2024-08-15 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 recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: GA

Complaint narrative:
I called XXXX some months ago to figure out how to catch up on my payment. They offered to stop my current payments of {$130.00} biweekly and have me pay {$92.00} a month until caught up. I have been sticking to that agreement and I am actually done this Friday and can proceed to my biweekly payment. The issue is every month XXXX has reported me as delinquent. Im not - I have been paying {$100.00} a month even to hurry up and catch up. I dont understand how Im reported as delinquent when Im paying the agreed upon amount as was agreed. I believe this is a major error as its saying I have been late 21 times. 

After finding out today that they will put you on a payment plan to catch up hey but they will still report you negative really is unacceptable. Whos to say they will go back after Friday ( my last payment agreement payment ) and clear all the delinquent remarks? This has hurt my credit since XXXX and I have been sticking to the monthly arrangement. This isnt how you mess with consumers finances. Its credit abuse and manipulation.

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 2024-08-15 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: CO

Complaint narrative:
Ive tried to dispute these accounts multiple times through Experian and also XXXX XXXX  for about 2 years now. These XXXX XXXX accounts were supposed to be forgiven and transferred to the government. The accounts have been reopened without my consent or knowledge on the date of XX/XX/XXXX but the official date to these accounts were XX/XX/XXXXXXXX

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 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On or about XX/XX/XXXX my bag was stolen and my cell phone was stolen as well. this person or persons used my phone to access my digital wallet and was able to take my money from my chime account using different digital platforms. 

over XXXX was taken and i immediately reported it to the authorities and to chime. XXXX then I have submitted several disputes and the financial institution refuses to give me back my money. there were also disputes for XXXX XXXX that were filed during this same incident and those were in my favor. I have asked several times why this particular dispute was in my favor but the subsequent unauthorized transactions were not. to no avail. I have requested the docs used to make the determination and over and over they deny deny deny and only send me the docs i provided as proof. Included are police reports correspondence with the police. screenshots and statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
I took out a title loan with Reprise Financial, on XX/XX/XXXX loan number # XXXX using my fully paid-off XXXX XXXX XXXX XXXX as collateral. My credit score is over XXXX, and I was constantly contacted by Reprise Financials representatives, who made the process seem straightforward and beneficial. However, once the loan was finalized, I was shocked to discover that the interest rate was set at an exorbitant XXXX %. 

At no point during these frequent contacts was I made fully aware of how high this interest rate would be, which makes me feel that I was deliberately misled and taken advantage of. My vehicle, which I had already paid off, was essentially used against me in this situation, trapping me in a loan with predatory terms that I never would have agreed to had the details been transparently disclosed. 

To make matters worse, I requested a copy of my contract on XX/XX/XXXX to verify the terms, but as of XX/XX/XXXX, I have not received it. The lack of transparency and failure to provide me with this critical document further reinforces my belief that I was unfairly exploited in this process. 

I am seeking an immediate reevaluation of the loan terms to reflect a fair interest rate and the prompt delivery of my loan contract.

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 2024-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
Cardinal Financial Company , Limited Partnership retained no beneficial interest in the XXXX XXXX XXXX Intangible Obligation ( The Debt ) after selling XXXX XXXX XXXX Intangible Obligation ( The Debt ) to XXXX XXXX shortly after the XX/XX/year> signing. No acceptable assignments of XXXX XXXX XXXX Mortgage to the XXXX XXXX XXXX  have been recorded into the Official Records of the Clerk of the Courts XXXX XXXX XXXX There is no evidence of negotiations of the XXXX XXXX  to the XXXX XXXX XXXX. With no properly recorded owner of XXXX XXXX XXXX XXXX, there is no one to enforce the conditions over XXXX XXXX XXXX Intangible Obligation ( The Debt ) which is no longer evidenced by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Intangible Obligation ( The Debt ) is no longer secured by XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

Having no specific properly secured owner of the limited beneficial interest of XXXX XXXX XXXX XXXX, there is no way to enforce the stripped-away XXXXXXXX XXXX XXXX XXXX Obligation ( The Debt ) through XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI
State: NV

Complaint narrative:
Found this on my credit report and email company for a verification of this debt which would not be provided for months no I'm disputing this account to be removed on all my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below 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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
Upon checking my created report. On XXXX XXXX. And I noticed a collection from this company Jefferson Capital who l never done business with, and they are requesting XXXX and some odd XXXX. 
They claim to keep sending me mail and I'm not receiving it. This company wants me to give them my current address so they can try can legally attach this debt to me. I don't feel comfortable as a consumer to provide the company with such personal details about my self. Per the XXXX. This company Jefferson Capital is NOT licensed to collect any debts in Florida. I don't know this company and they negative reporting is hindering my ability to move and obtain a good paying job.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
We have made several attempts to work directly with RESURGENT CAPITAL SERVICES L.P., hereinafter " Resurgent '' or " Company '', in rectifying this matter. We have sent correspondence requesting comprehensive documentation via : Certified Mail # XXXX dated XX/XX/year>, Certified Mail # XXXX dated XX/XX/year>, as well as directly through the Credit Reporting Agencies on XX/XX/year>. Resurgent has not provided comprehensive documentation, for validation, and has actually refused all mail we have sent. However, Company continues to report on this account, in which Company has also violated both the FCRA and FDCPA.

Company response to consumer: Closed with explanation