vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 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: FC HoldCo LLC
State: TX

Complaint narrative:
I purchased and signed a contract to purchase my vehicle XXXX XXXX XXXX XXXX on XX/XX/XXXX. My mom XXXX XXXX is my Co signer and my name is also on the contract. I reached out to Flagship credit acceptance back in the begging of XXXX to see why my car loan has not been reported to the credit bureaus and my payments as well and to see why it does not show I have a auto loan in mine and my moms name. They started an investigation and said it would take 30 days to hear something back and I would receive an email. They said if i did not see an update i needed to reach out to the credit bureaus myself and they would have to take care of this issue. They never called me or emailed me like they said they would so I reached out XXXX XXXX. They said the investigation was closed XXXX XXXX and everything the credit bureaus needed was sent over to them and they should be updating it. I called XXXX XXXX and XXXX yesterday XX/XX/XXXX to see why I have not seen it on my credit report yet. They said I would need to call Flagship because they never received any information on this loan and it was out of their hands. I called Flagship credit acceptance back the same day and Flagship basically said there was nothing they could do, that an investigation had already taken place but there was no updated notes on the account. I was very upset and frustrated that I am paying for a vehicle that is not even being reported and i feel I just keep getting the run around and there is nothing I can do about it. I asked to speak with a supervisor but they would not transfer me and said the department I needed to speak with was closed already. I spoke with a CSR named XXXX at Flagship credit acceptance and he said they would note my account to have someone call me back XX/XX/XXXX at XXXX but no one ever called me. I called back at XXXX that same day while i was still at work and I spoke with a CSR at Flagship credit acceptance named XXXX who said there was never a note made and there were no supervisors on the floor available. I called back about the same thing three more times on different dates over the past 8 months and get the same response but still have received no emails and the credit bureaus still have not received anything till this day. I feel that im getting no where! I XXXX  flagship credit acceptance and they have lawsuits against them and other people have the same issue with them not reporting to the credit bureaus and get the same response but get nothing back! They also gave me a car with a 20 % interest rate. I will never finish paying this vehicle off!!

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to request validation of a debt listed on my credit report. The debt appears on XXXX, and experian report, {$160.00} Open balanceXXXX Original creditor Opened XX/XX/2023 ( XXXX mos ), and {$1000.00} Open balance XXXX  Original creditor Opened XX/XX/2023 ( XXXX mos ) XXXX XXXX XXXX XXXX, amount {$2500.00} In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt. I request the following information : The original contract with the original creditor bearing my signature. 
The original payment history from the original creditor. 
Proof of debt assignment, including the date of assignment or purchase of this debt. 
Please note that failure to provide this information within 30 days will result in the removal of this debt from my consumer credit reports. The presence of this disputed debt is adversely affecting my creditworthiness and impeding my ability to access credit facilities. 

I kindly request that you promptly investigate this matter and provide the requested documentation within the stipulated timeframe. 

Thank you for your attention to this matter. 

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 non-monetary relief
Consumer complaint received 2024-03-09 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: IL

Complaint narrative:
I received your response Last ( XX/XX/2024 ) that you need my updated email address which is ( XXXX. ) I sent a complaint to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # 's XXXX ; XXXXXXXX XXXX XXXXXXXX. I am including it again.

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 2024-03-09 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: IL

Complaint narrative:
I received your response Last ( XX/XX/year> ) that you need my updated email address which is ( XXXX. ) I sent a complaint to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # 's XXXX ; XXXXXXXX XXXX XXXXXXXX. I am including it again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
This complaint is in response to a RESURGENT XXXX  RECEIVABLES regarding violations that have been spotted. There are inaccuracies in my consumer report regarding this debt and there are violations that exists committed by this company that was brought forth to be addressed regarding their collection  attempts. This complaint is no longer about the alleged debt, but the violations themselves regarding the collection of the alleged debt. The debt collector intentionally neglected to acknowledge the initial complaint concerning FDCPA and FCRA violations. Debt collectors tend to ignore yet alone admit that they are in the wrong when they violate consumers because they know that they would be held liable to that consumer. This collection agency specifically continues to collect despite the documents I provided as proof of those violations. I refuse to pay this debt and I demand that they XXXX  and XXXX all collection activity because they are violating my federally protected rights. It is abusive and prohibited of collection agencies to ignore FDCPA and FCRA laws while attempting to collect from said consumer. This company is reporting incomplete information to the CRAs and it is damaging my character. 15 USC 1692d ( 1 ). Please stop now or I will seek for legal remedy regarding the behavioral aspects of RESURGENT XXXX  RECEIVABLES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: FL

Complaint narrative:
XXXX and Experian have some other people information on my account I havent consented to or agree to those accounts and or companies. This needs to be regulated a little more. Ive spent XXXX XXXX XXXX  on credit repair and monitoring f for identity theft protection. Theyre no good either. Please reference the consumer protection laws/rights that allows them to get away with this.

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 2024-03-09 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: SC

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: GA

Complaint narrative:
I received your response XXXX ( XX/XX/year> ) that you need my updated email address which is ( XXXX. ) I sent a complaint to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX XXXX  days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # 's XXXX ; XXXX & XXXX. I am including it again.

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 2024-03-09 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: NC

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account XXXX : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 2024-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you kindly review the documents? Several of the listed accounts are inaccurate, and it's causing me discomfort

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: HI

Complaint narrative:
According to XXXX v XXXX XXXX. XXXX is supposed to ensure MAXIMUN POSSIBLE ACCURACY. This account violates there laws 15 USC 1681i 15 USC 1681s2 15 USC 1681i5 15 USC 1681eb. Delete ACCOUNT

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 2024-03-09 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: TX

Complaint narrative:
I am Requesting the Removal of Inaccurate Late Payment Entry from Credit Report. Account Number : XXXX In light of these regulations, I request that you take immediate action to rectify this error by removing the inaccurate late payment history entry from my credit report. I emphasize that this request is not made frivolously, but rather in accordance with my rights as outlined by the FCRA. I have enclosed copies of supporting documents [ attached file ] to substantiate my claim of on-time payment. I trust that upon review of this evidence, you will promptly correct the erroneous information on my credit file. Please provide written confirmation once the necessary corrections have been made. Additionally, we request that you furnish my client with a free copy of their updated credit report reflecting the removal of the inaccurate late payment entry. In addition to the inaccurate late payment entry, it has come to our attention that the credit report provided by your agency differs from those provided by other consumer reporting agencies. Such inconsistencies raise concerns regarding the accuracy and reliability of the information being reported by your agency. In light of these legal obligations and discrepancies, I hereby formally request that you take immediate action to rectify the error by removing the inaccurate late payment entry from my client 's credit report. This request is made in accordance with their rights as outlined by the FCRA, and failure to comply may result in further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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:
I am Requesting the Removal of Inaccurate Late Payment Entry from Credit Report. Account Number : XXXX In light of these regulations, I request that you take immediate action to rectify this error by removing the inaccurate late payment history entry from my credit report. I emphasize that this request is not made frivolously, but rather in accordance with my rights as outlined by the FCRA. I have enclosed copies of supporting documents [ attached file ] to substantiate my claim of on-time payment. I trust that upon review of this evidence, you will promptly correct the erroneous information on my credit file. Please provide written confirmation once the necessary corrections have been made. Additionally, we request that you furnish my client with a free copy of their updated credit report reflecting the removal of the inaccurate late payment entry. In addition to the inaccurate late payment entry, it has come to our attention that the credit report provided by your agency differs from those provided by other consumer reporting agencies. Such inconsistencies raise concerns regarding the accuracy and reliability of the information being reported by your agency. In light of these legal obligations and discrepancies, I hereby formally request that you take immediate action to rectify the error by removing the inaccurate late payment entry from my client 's credit report. This request is made in accordance with their rights as outlined by the FCRA, and failure to comply may result in further legal action.

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 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/year>, I called AMEX customer service and spoke with three representatives. I was seeking to cancel my account and enter a payment arrangement. I was informed that the payment arrangement offered was not negotiable. I attempted to negotiate ( the offer from AMEX was to make payments for 48 months at 9.9 % interest rate ; I accepted the interest rate, and requested 60 or 72 months as the term, to no avail ), and was somewhat abrasive, and perhaps even rude with customer service reps. Ultimately, after speaking with XXXX, who gave a Rep ID of XXXX, I relented and attempted to accept the offer that was initially made to me. At that point, I was informed for the first time that the system was down, and that I would not be permitted to enroll in the payment plan at this time. I asked what was wrong, and whether the system was actually unable to enroll me in the plan. XXXX responded that the system was accepting enrollments, but that it was having " trouble '' ( which was never elaborated on in a meaningful way ) processing payments. I informed him that despite the risks, I was more comfortable proceeding now rather than waiting. XXXX refused to enroll me in the payment plan. After several refusals, I relented and agreed to call back at a later time. 

Based on the overall tone of our conversation, the moment in which XXXX chose to reveal to me that he would be unable to process my enrollment on that phone call, and the scant details provided, I believe that there was no problem with the system, and that XXXX refused to enroll me in the in retaliation for my rude conduct earlier in our conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Account # XXXX I am writing to dispute inaccurate information that has been reported by Aidvantage, the federal loan servicing unit of Maximus Education, XXXX, on my credit report. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC Section 602, On XX/XX/XXXX, Aidvantage, account # XXXX in the amount of {$73000.00}, began reporting my nonpublic personal information to nonaffiliated third-party credit reporting agencies, namely XXXX, XXXX, and XXXX, XXXX obtaining my consent and without providing me, the consumer, with a nondisclosure option. This action is in direct violation of Family Educational Rights and Privacy Act ( FERPA of 1974 20 USC 1232g ( b ) and, 15 U.S.Code 1681s-2 ( A ) ( 1 ), which states, " 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. '' Furthermore, I have adhered to the provisions outlined in 15 U.S.Code 6802 and 6804, wherein I provided Aidvantage/Maximus Education LLC with an opt-out notice. Regrettably, Aidvantage/Maximus Education LLC failed to provide a reasonable opt-out form, denying me the opportunity to protect my nonpublic personal information. As a result, I, the consumer, have not given my consent, and I am hereby opting out of any and all authorizations given, whether written, unwritten, verbal, or nonverbal, to Aidvantage/Maximus Education LLC . This revocation of authorization includes any communication of my information to third-party consumer reporting agencies. 

I kindly request your immediate investigation into this matter and the removal of the inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: LEXISNEXIS
State: OH

Complaint narrative:
Ive reviewed my credit report and have noticed that my credit report is not reporting 100 % accurately. Under 15 USC 1681e ( b ), accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the info concerning the individual about whom the report relates. There are a few items that are reporting inaccurately on my credit report and need to be deleted since they are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. According to 15 USC 1681i ( A ) ( 5 ), XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: NC

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief