vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 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: AR

Complaint narrative:
I trust this correspondence finds you well. I am writing to express my profound frustration and disappointment concerning the continuous presence of fraudulent items on my credit report, despite numerous attempts to address this issue through your dispute resolution process. 

I have engaged in a persistent effort to rectify this matter by submitting numerous dispute requests, each accompanied by thorough documentation and evidence establishing the fraudulent nature of the listed items. Unfortunately, these diligent attempts have proven ineffective, and the fraudulent items persist on my credit report. 

I urgently request the following actions be taken : XXXX an immediate, thorough, and comprehensive investigation into the fraudulent items listed on my credit report. 
Provide a detailed explanation for the repeated failures to remove the fraudulent items despite multiple disputes. 
Expedite corrective measures to rectify the inaccuracies and promptly update my credit report accordingly. 
Furnish written confirmation of the resolution, including a clear timeline for completion. 
In light of the ongoing challenges and the adverse impact on my financial standing, I insist on a resolution withinthe exact timeframe from the date of this letter. The persistent presence of these fraudulent items has caused significant distress, and a swift resolution is imperative. 

Failure to address this complaint promptly XXXX necessitate escalation to regulatory authorities, and I XXXX seek legal counsel to uphold my rights as a consumer. 

I trust in your commitment to upholding fair and accurate credit reporting standards and expect an immediate and decisive resolution to this matter. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Opened XXXX XXXX XXXX  Balance {$2500.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$1500.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, written unwritten verbal and nonverbal. Per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to express my frustration and disappointment regarding the multiple unsuccessful attempts to remove a charge-off from my account with your company. I believe in fair and transparent financial practices, and I have been diligent in addressing this matter through various channels without resolution.

I have made multiple requests to your customer service department, both over the phone and in writing, seeking assistance in rectifying the charge-off on my account. Unfortunately, despite my efforts and numerous promises from your representatives, the charge-off remains on my account. 

This persistent issue has not only caused undue stress but has also negatively impacted my credit score and financial well-being. I have attached copies of previous correspondences, including reference numbers and dates, for your review and reference.

I understand that errors can occur in financial transactions, but the lack of resolution after repeated attempts is unacceptable. As a valued customer, I expect timely and efficient resolution to rectify this situation.

I kindly request the following actions be taken promptly : Conduct a thorough investigation into the charge-off on my account.

Provide a detailed explanation for the failure to remove the charge-off despite previous assurances.

Take immediate steps to rectify the charge-off and update my credit report accordingly.

Provide confirmation of the resolution in writing, including the expected timeframe for completion.

I expect this matter to be resolved promptly, within the specified timeframe from the date of this letter. Failure to address this complaint in a timely and satisfactory manner may compel me to escalate the matter to relevant regulatory authorities and seek legal counsel to protect my rights as a consumer.

I trust that your commitment to customer satisfaction and ethical business practices will prevail, and I look forward to a swift resolution to this matter. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Opened XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance : {$7900.00} ; XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: GA

Complaint narrative:
Transunion, XXXX and XXXX keeps allowing information to be reported wrong and its affecting me adversely. then we have to keep doing disputes over these issues. I should not have any hard inquires in the past 2 years and no bad marks. its over 200 people in GA alone with the same identifiers as myself. This is getting bad and I have been dealing with this over XXXX  years of being in GA. This is a way to harm minorities in this country. Who compensates us for these hardships?

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 2024-01-20 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: GA

Complaint narrative:
Hello, These Accounts are STOPING me from ability of getting a new house for my family. 


Account name : XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have to right for 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 ) Sections 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 crime 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 explanation
Consumer complaint received 2024-01-20 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: GA

Complaint narrative:
Hello, These Accounts are STOPING me from ability of getting a new house for my family. 


Account name : XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have to right for 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 ) Sections 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 crime 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 explanation
Consumer complaint received 2024-01-20 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX CLOSED CREDIT CARD THIS ACCOUNT WAS SETTLED BUT IS HURTING MY CREDIT REPORT IT WAS SUPPOSED TO BE REMOVED IN EXCHANGE TO BEING SETTLED XXXX XXXX XXXX XXXX PAID CLOSED THIS ACCOUNT WAS NOT OPEN BY ME I ALSO REPORTED TO COMPANY MULTIPLE TIMES WITHIN XXXX YEARS ( FCRA ) regulates the consumer credit reporting industry. In general, the FCRA requires that industry to report your consumer credit information in a fair, timely, and accurate manner.

A consumer shall have the right to request that a business delete any personal information about the consumer which the business has collected from the consumer. 
A business that collects personal information about consumers shall disclose, pursuant to Section 1798.130, the consumers rights to request the deletion of the consumers personal information.

A business that receives a verifiable consumer request from a consumer to delete the consumers personal information pursuant to subdivision ( a ) of this section shall delete the consumers personal information from its records and direct any service providers to delete the consumers personal information from their records.

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 2024-01-20 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX  CLOSED CREDIT CARD THIS ACCOUNT WAS SETTLED BUT IS HURTING MY CREDIT REPORT IT WAS SUPPOSED TO BE REMOVED IN EXCHANGE TO BEING SETTLED XXXX XXXX XXXX XXXXXX/XX/year> PAID CLOSED THIS ACCOUNT WAS NOT OPEN BY ME I ALSO REPORTED TO COMPANY MULTIPLE TIMES WITHIN XXXX  YEARS ( FCRA ) regulates the consumer credit reporting industry. In general, the FCRA requires that industry to report your consumer credit information in a fair, timely, and accurate manner.

A consumer shall have the right to request that a business delete any personal information about the consumer which the business has collected from the consumer.

A business that collects personal information about consumers shall disclose, pursuant to Section 1798.130, the consumers rights to request the deletion of the consumers personal information.

A business that receives a verifiable consumer request from a consumer to delete the consumers personal information pursuant to subdivision ( a ) of this section shall delete the consumers personal information from its records and direct any service providers to delete the consumers personal information from their records.

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 2024-01-20 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX CLOSED CREDIT CARD THIS ACCOUNT WAS SETTLED BUT IS HURTING MY CREDIT REPORT IT WAS SUPPOSED TO BE REMOVED IN EXCHANGE TO BEING SETTLED XXXX XXXX XXXX XXXXXX/XX/year> PAID CLOSED THIS ACCOUNT WAS NOT OPEN BY ME I ALSO REPORTED TO COMPANY MULTIPLE TIMES WITHIN XXXX YEARS ( FCRA ) regulates the consumer credit reporting industry. In general, the FCRA requires that industry to report your consumer credit information in a fair, timely, and accurate manner.

A consumer shall have the right to request that a business delete any personal information about the consumer which the business has collected from the consumer.

A business that collects personal information about consumers shall disclose, pursuant to Section 1798.130, the consumers rights to request the deletion of the consumers personal information.

A business that receives a verifiable consumer request from a consumer to delete the consumers personal information pursuant to subdivision ( a ) of this section shall delete the consumers personal information from its records and direct any service providers to delete the consumers personal information from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach. The engagement number Equifax assigned to me is : XXXX. Please help me delete these innacurate accounts from my credit reports. 
XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX I tried to apply for credit in XXXX because I lost my job during the Covid 19 pandemic but because my identity had been stolen I was not approved for credit to help pay my bills. That resulted in negative remarks on my credit report in addition to the identity theft. This remained the same in XXXX, XXXX and XXXX. ( I will attach some recent denial letters, copies of my FTC reports, etc. ) In XXXX I had to purchase XXXX XXXX to draft all of my letters to the bureaus. I also paid for various applications and subscriptions to be able to make my affidavit of identity theft, to scan documents for my FTC and CFBP reports, etc. I submitted a claim for the breach and I will attach a copy of that as well. ( CLAIM # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: OH

Complaint narrative:
On XX/XX/year> on a Monday, I processed a {$200.00} loan to pay a contractor at first. That is the lowest amount that I can borrow at the time. However, I noticed I need to pay the minimum of my other merchant credit card monthly charge that I was due this XXXX. By the way, I get {$400.00} as income from my mother every month except XXXX. Currently, I am XXXX  with XXXX. Mine you, I didn't pay full of my maximum amount XXXX charge of this same merchant credit card. This merchant lender was demanding {$170.00} for the minimum to pay for XX/XX/year>. I use the {$200.00} to pay the minimum of {$170.00}. Before I accepted the online agreement, I checked the number of installments and how much they were charging me for each month. They gave a layout of the amount due for each month and the last installment amount for that month. As I study through this layout, my last installment was due on XX/XX/year> with an amount of {$110.00} and some changes. As I look at XX/XX/year> amount it tells {$110.00} and some changes. Remember, I borrowed {$200.00}. That was it at the time. I accepted the online agreement. So far that was it and they wired the {$200.00} to my bank account. 

The next days, Something came up where I needed to borrow again {$92.00} to pay for a background check of a company that is willing to hire me. I went and called the same lender about that amount of {$92.00} and that is when I found out from the lady who worked there of a total installment of 16 and an APR of 588 %. The layout shows 2 installments. ending this XX/XX/year>. They frauded me and deceived me. I still need the {$92.00} for the background check for that job which is due on Saturday.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: NV

Complaint narrative:
Several demands over the past year and you are still reporting several inaccuracies in my consumer report pursuant to 15 U.S. Code 1681e ( a ) b - Compliance procedures. Lets begin with my name many of them are unidentifiable and need to me removed as well as you are reporting several non-mailable addresses that are undeliverable and I have requested removal of these on several occasions and it is now evident that many of these inaccuracies reporting is intentional pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance.

( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer.

Inaccuracies are all throughout my consumer report with missing information and credit reporting agencies information isnt matching across the board pursuant to INACCURATE REPORTING PURSUANT TO 15 USC 1681a 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal You are reporting my transaction history which is a violation.

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 2024-01-20 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: NY

Complaint narrative:
I Have Found Some Information Inaccurate On My Credit Report Which Shows Account For XXXX  And XXXX XXXX  Was Not Paid. I Don't Believe This Account Was Ever Paid As Late. I Request You Verify The Information And Remove Inaccurate Information From My Credit Report As Quick As Possible. Iv'e Never Missed A Payment I Have XXXX On Time Payments The Items In Question Is XXXX XXXX XXXX XXXX  After Doing So Please Provide Me With Updating Credit Report Thanks For Your Time

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 2024-01-20 00:00:00
Product: Debt collection — Credit card debt
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: VA

Complaint narrative:
I have disputed an alleged debt to LVNV Funding for a supposed XXXX XXXX XXXX Card account. LVNV Funding is illegally reporting items negatively on my credit report in violation of the FCRA and FDCPA.

LVNV has previously been sued and fined for violating the rights of consumers like me.

TO WIT : LVNV has been requested to, and has failed to provide me with the following documents to demonstrate their legal authority to place derogatory marks on my credit report : 1 ) They have failed to provide me with the Purchase Agreement to demonstrate they have any ownership, legal interest, or legal authority to collect the alleged debt or place negative records on my credit report.

2 ) They have failed to provide the original signed application and loan documents that would demonstrate the debt is even valid or legally binding. This should include the original Terms and Conditions. as well as all subsequent addendums and riders issues by the orginal creditor from time-to-time.

3 ) They have failed to provide a full accounting of all payments, charges, late fees, payments posted, and interest calculations to demonstrate the claimed balance is accurate, correct, and lawful. This data should include all instances of late payments claimed which would have led to a delinquency and assignment to collections.

4 ) They have not demonstrated their legal authority to collect against me here in Virginia. I have requested proof of proper licensing and authority here in Virginia as well as proper third-party debt collector bonds they are required to maintain in Virginia. Their activity is a violation of the Virginia Consumer Protection Act.

5 ) They have failed to provide documentation of the full chain of ownership from the original creditor all the way through their unproven claim of ownership of the alleged debt. This should include proof of assignment to each subsequent entity without any break in the chain. Documents must be provided with true and accurate dates and signatures. The original Purchase Agreement should also be provided, containing the Terms, Conditions, and Representations regarding their claimed ownership of this alleged debt.

6 ) They have failed to prove they sent me the legally required notices prior to placing the alleged debt on my credit reports with the major credit reporting agencies. I have demanded copies of all such correspondence and any letter tracking their firm maintains. IN the XXXX XXXX XXXX XXXX XXXX precedent has been clearly established that their " illegal debt parking '' without notice is a violation of my rights.

7 ) They should explain why they have continued to communicate with me and call me after being told to no longer contact me. ( I will allow written communication in direct response to my dispute and efforts to have this wrongful action corrected. )

Company response to consumer: Closed with explanation