vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 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: NC

Complaint narrative:
Subject : Request for Documentation of Investigation Procedures and Results - Complaint # XXXX To Whom It May Concern : I am reaching out regarding my complaint ( # XXXX ) to formally request detailed information on the investigation conducted by Equifax concerning the disputed XXXX XXXX account ( account number  : XXXX ). As this account is unauthorized and a result of identity theft, I am seeking clarity and transparency on the steps taken by Equifax in handling this dispute.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to certain documentation and information related to this investigation. Specifically, I am requesting : Results of the Investigation : As mandated by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ), I request a summary of the investigation results, including any reasons for maintaining or modifying the disputed information on my credit report.

Sources of Information : In accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), please provide the names and contact details of the original creditor or any third-party data furnishers involved in XXXX investigation of this account.

Verification Documentation : I am requesting any records or documentation Equifax reviewed to verify the disputed account. While the FCRA requires credit bureaus to obtain information from data furnishers during investigations, having access to these records would clarify the investigative steps taken.

Procedures Followed : Under 15 U.S.C. 1681i ( a ) ( 7 ), I request a description of the procedures followed by Equifax in their investigation, including the specific steps taken to verify the accuracy of this information.

Notice of Reinsertion ( if Applicable ) : Since this account has been repeatedly reinserted after prior removals, I am requesting documentation on any notifications provided by Equifax as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). This should include the dates of reinsertion and the basis for each reinsertion.

I am seeking this information to ensure compliance with my rights under the FCRA and to support the resolution of this ongoing issue. I appreciate your assistance in obtaining these details to clarify the investigative process and ensure that Equifax has fulfilled its obligations under federal law.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: AZ

Complaint narrative:
XXXX, TransUnion, and XXXX continue submitting a collection of {$360.00} from XXXX XXXX XXXX. The amount is inaccurate. I had been overcharged from an insurance company, " XXXX XXXX ''. XXXX  XXXX is pay by the mile insurance through an app. They refused to accept my mileage photo, claiming it was a fake picture. They also would not cover specific damages on my car until I filed a complaint against them. And I canceled my insurance policy. They are also trying to charge me for miles I used while out of state. It is against their policy, which claimed the insurance is not active while out of state. I had been overcharged for miles, and I refused to pay for miles I did not use. This company is a scam. They still try to charge for miles even while you are in someone else 's vehicle, or a rental car with paid insurance, despite informing them you are not driving. It is based off of an app. The photo I sent was also accurate, they had no reason to accuse me of lying. I canceled my insurance policy and now pay a monthly premium. They sent me to collections, and once again I refuse to pay for miles I did not drive.

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 2024-10-27 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: AZ

Complaint narrative:
XXXX, XXXX, and Equifax continue submitting a collection of {$360.00} from XXXX XXXX XXXX. The amount is inaccurate. I had been overcharged from an insurance company, " XXXX XXXX ''. XXXX  XXXX is pay by the mile insurance through an app. They refused to accept my mileage photo, claiming it was a fake picture. They also would not cover specific damages on my car until I filed a complaint against them. And I canceled my insurance policy. They are also trying to charge me for miles I used while out of state. It is against their policy, which claimed the insurance is not active while out of state. I had been overcharged for miles, and I refused to pay for miles I did not use. This company is a scam. They still try to charge for miles even while you are in someone else 's vehicle, or a rental car with paid insurance, despite informing them you are not driving. It is based off of an app. The photo I sent was also accurate, they had no reason to accuse me of lying. I canceled my insurance policy and now pay a monthly premium. They sent me to collections, and once again I refuse to pay for miles I did not drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX Experian Credit Bureau Subject : Request Regarding Late Payment Reporting and Account Closure Dear Sir/Madam, I am writing to formally address an urgent matter regarding my account with XXXX XXXX XXXX XXXX , with a balance of {$4100.00}, and its reporting to Experian Credit Bureau . 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), it is required that all creditors report accurate information regarding consumer accounts. As such, if I have met all necessary obligations and have formally requested the closure of my account, it should not be reported as late. 

I have fulfilled all requirements per federal law and have actively sought to close this account. If for any reason the account can not be closed as per my request, I assert that it should not reflect any late payments on my credit report, as my compliance with regulations should protect me from negative reporting due to circumstances surrounding the accounts closure. 

I request confirmation that my account will be closed as requested or, alternatively, that you will cease reporting any late payments associated with this account. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2024-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: NV

Complaint narrative:
I filed a claim for unauthorized charges XX/XX/XXXX. The dispute rep I spoke with had terrible conduct, asking the same questions and advising me that the calls are monitored, which was irrelevant. He asked what reason was there for not filing the transactions on time, to which I responded that when I filed a claim with then about 2 months ago the rep did not note all the charges I gave them. In a situation where you have no way to pay bills due to your money being taken the last thing I need is added stress. So I called back and asked for a supervisor and while I was explaining why the phone hung up. Nobody called back so I doubt it was on accident. I wanted someone to handle my case if the gentleman that took my charges down wasnt going to take it serious. I also told him I have proof I wrote down all the transactions that I disputed about 2 months ago. But since he couldnt see that he basically brushed it off. So rather than calling back and going through the same thing I just went with filing a complaint so someone else can reach out that has authority. The money on my card was for saving in case of emergencies. Which I shouldnt have to explain. It was my money that was taken so it should be taken more seriously. Otherwise, I have no problem going about it with legal help, which my father in law who is an XXXX offered the moment they hung up on me when I called back to speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items.

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 2024-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XXXX XXXX XXXX / Columbia Debt Recovery The unpaid balance with XXXX comes from XXXX XXXX XXXX 

The apartment company sold the account claiming an unauthorized charge. 

{$170.00} matches with the last utility charges as agreed. 
{$190.00} are unjustified charges ; the company claims the money for damage, there is no damage according to our agreement when we checked into the property. 

The property manager said the administration paints the walls for new renters. All I need to do is cover the holes if some to hang a portrait when I leave the apartment ( which I did ). I attached some pictures from the property when I left it. 

Find in the picture the details of the walls as I left them when I left the property, XXXX XXXX refused to walk the property together with us to receive the property and close the contract, it is one of our rights so we can clarify properly right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: NY

Complaint narrative:
If a consumer Notifies a debt collector that the Consumer refuses to pay a debt the debt must cease All communications. The Law States per { 15 USC1692 C [ c ]

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 2024-10-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I just received a letter that stated that I was charged a late fee which in fact my payments were received NewRez company before the XXXX. One of the attached shows when my payment was paid out from my bank and the other shows when NewRez received and processed those payments. The Rez Payment History also shows late fees that the company applied to my account when infact they received my paymenys on time. NewRez seems to have a problem placing the payments into the proper catagories. It also appears that they are using my next partial payment and applying it to what they consider missing payments keeping my account behind on my payments.

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 2024-10-27 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: CAINE & WEINER COMPANY, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$1000.00} XXXX Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$15000.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28000.00} Status XXXX XXXX XXXX opened XX/XX/XXXX Balance {$4700.00} Status Account charged off. {$4700.00} written off. {$4700.00} past due as of XX/XX/XXXX. 

CAINE & WEINER Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9900.00} Status Collection account. {$9900.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/year>, XXXX and XXXX credit reporting agencies falsely reported a collections in the amount of {$130.00} and {$1200.00} from a collection agency named LVNV FUNDG. This is not my debt, nor did I sign for any debt related to this collection agency LVNVFUNDG with these amounts. I disputed the above-mentioned collections through the normal disputing process provided by both ( XXXX and XXXX ) credit bureau agencies. Both agencies returned within a few days that the debt was verified with no documentation or contractual agreement from LVNV FUNDG. This is fraud and both credit bureau agencies ( XXXX and XXXX ) did not follow the proper protocol or investigation promised by their agencies on my ( consumer ) behalf. No company should be allowed to report false debt on a consumer credit report. I am asking that the two ( 2 ) collections be removed, as they are false debt and do not belong to me. 
Thank you in advance for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ) ( SS # XXXX ) ( XXXX XX/XX/year> ) Contents of Complaint : This CFPB Complaint has been filed to request pursuant to FCRSA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit report agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX  of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an Auto loan open on XXXX XXXX at CONSUMER PORTFOLIO SERVICES under the account number ( XXXX ). This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the Consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commision that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-10-27 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Equifax : [ XXXX XXXX XXXXXXXX ] [ Account Number : XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: PA

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 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I requested debt validation on the debt they are inaccurately reporting on my credit report. They have not provided proper documentation validating this debt or chain of assignments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: WY

Complaint narrative:
Name XXXX XXXX XXXX XXXX XX/XX/year> ss # XXXX address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have sent 7 dispute letters to XXXX transunion and XXXX Informing them that the following accounts are being reported with out my written consent and according to 15 u.s.c 1681 b ( 2 ) any negative information being reported with out my written consent is considered identity theft also when ever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX transunion and XXXX are violating my federally protected rights.i have filed an ftc report # XXXX and have also filled out a identity theft Affidavit for the following accounts ( XXXX. ) XXXX XXXX account # XXXX balance {$26000.00} ( XXXX. ) XXXX  account # XXXX balance {$170.00} ( XXXX. XXXX XXXX acount # XXXX balance {$1400.00} ( XXXX. XXXX XXXX account # XXXX ( XXXX. ) XXXX XXXX XXXX  account XXXX XXXX balance {$6500.00} ( XXXX. ) XXXXXXXX XXXX acount # XXXX balance {$15000.00} please delete these accounts within 4business days of receiving this complaint.

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 2024-10-27 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: WY

Complaint narrative:
Name XXXX XXXX XXXX XXXX XX/XX/year> ss # XXXX address XXXX XXXX XXXX XXXX XXXX XXXX wy XXXX I have sent 7 dispute letters to XXXX XXXX and equifax Informing them that the following accounts are being reported with out my written consent and according to 15 u.s.c 1681 b ( 2 ) any negative information being reported with out my written consent is considered identity theft also when ever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX and equifax are violating my federally protected rights.i have filed an ftc report # XXXX and have also filled out a identity theft Affidavit for the following accounts ( XXXX. ) XXXX XXXX account # XXXX balance {$26000.00} ( XXXX. ) XXXX account # XXXX balance {$170.00} ( XXXXXXXX XXXX XXXX acount # XXXX balance {$1400.00} ( XXXX. XXXX XXXX account # XXXX ( XXXX. XXXX XXXX XXXX iXXXX  account XXXX XXXX balance {$6500.00} ( XXXX. ) XXXX pm acount # XXXX balance {$15000.00} please delete these accounts within XXXX days of receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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