vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year>, XXXX XXXX responded to my request for debt validation regarding two XXXX XXXX XXXXXXXX accounts ( # XXXX ... and # XXXX... ). However, they failed to provide the required documentation to validate the debts as per the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ). 

Instead of submitting evidence such as : A copy of the original signed agreements. 
Documentation proving the legitimacy of the debts. 
Proof of their right to collect on the debts. 
They sent a letter stating they could not fulfill my request because the accounts were no longer under their management and had been referred back to XXXX  XXXX XXXX. Despite this lack of validation, these accounts continue to be reported on my credit file by Experian with balances listed as outstanding. 

Additionally : Experian failed to conduct a thorough and transparent investigation under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 
Discrepancies in the accounts include inconsistent opening dates, payment history, and balances. 
These accounts do not appear on my XXXX credit report, highlighting inconsistencies among credit bureaus. 
As of XX/XX/year>, Experian continues to report these unverified accounts, despite my dispute and XXXX XXXXXXXX XXXX inability to validate the debts. This inaccurate reporting has negatively impacted my credit score and financial standing.

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 2024-12-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year>, XXXX XXXX responded to my request for debt validation regarding two XXXX  XXXX XXXX XXXX ( # XXXX ... and # XXXX... ). However, they failed to provide the required documentation to validate the debts as per the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ). 

Instead of submitting evidence such as : A copy of the original signed agreements. 
Documentation proving the legitimacy of the debts. 
Proof of their right to collect on the debts. 
They sent a letter stating they could not fulfill my request because the accounts were no longer under their management and had been referred back to XXXX XXXX XXXX. Despite this lack of validation, these accounts continue to be reported on my credit file by Experian with balances listed as outstanding. 

Additionally : Experian failed to conduct a thorough and transparent investigation under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 
Discrepancies in the accounts include inconsistent opening dates, payment history, and balances. 
These accounts do not appear on my XXXX credit report, highlighting inconsistencies among credit bureaus. 
As of XX/XX/year>, Experian continues to report these unverified accounts, despite my dispute and XXXX XXXXXXXX XXXX inability to validate the debts. This inaccurate reporting has negatively impacted my credit score and financial standing.

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 2024-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Synerprise Consulting is the debt collection agency in charge of collecting {$1400.00} from me for XXXX XXXX XXXX. I should not owe any amount. The out of pocket maximum for my health insurance at the time was {$4000.00}. The amount I paid for my XXXX  XXXX was {$4000.00}. The {$1400.00} was for when my XXXX XXXX  out after the XXXX and I had to go to the emergency room. But I already met my out of pocket maximum. The debt collection opened XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: SC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: NY

Complaint narrative:
My credit report is reporting an account I did not open. I would also need the original signed contract to add to my identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
On XX/XX/year> we were interested in a pick up truck that was for sale offered on XXXX by what appeared to be a friend that we were familiar with. During the course of the transaction we sent {$1000.00} by Zelle through our bank XXXX XXXX XXXX XXXXXXXX North Carolina as a deposit to hold the truck till we could see it. Later that afternoon we realized that we had been scammed that it was not our friend, his identity had been hijacked. The next workday, which was Monday the XXXX we filed a complaint with our bank XXXX XXXXXXXX XXXX  XXXX North Carolina and the local police department and Zelle. Our bank and Zelle have both refused to refund our money per their policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: EQUITY LOANS LLC
State: GA

Complaint narrative:
on XX/XX/year> i sent notice to equity prime mortgage, XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX that i was OPTING OUT of any credit reporting, and any implied permission was revoked, i also put the credit agencies on notice as well on XX/XX/year> both failed to comply and allowed reporting without my written permission The following references in the FCRA and related laws support my request : XXXX. **FCRA Section XXXX ( XXXX ) ( XXXX ) ( XXXX ) : ** This section explicitly allows consumers to opt-out of the inclusion of their information in credit reports. 
XXXX. **FCRA Section XXXX ( XXXX ) ( XXXX ) : ** This section mandates the reporting of accurate and complete information, and I assert my right to control the accuracy of information related to my credit history. 


I request that you promptly update your records to reflect my opt-out status and cease any further reporting of my personal information to credit bureaus within XXXX of receipt of this notice. I also seek written confirmation of this action, specifying the date by which the cessation of reporting will be completed. Failure to comply will subject you to penalties in accordance with : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX this code outlines the damages the consumer is entitled to in regards XXXX XXXX for XXXX XXXX by the data furnisher. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX this code outlines the penalties and definition of the XXXX XXXX for XXXX XXXX XXXX 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  this code outlines my right to Enforcement if you fail to follow the instructions and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
To your company ( I am requesting THE METHOD OF VERIFICATION ) I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED FOR DELTION AND UPDATE EACH ACCOUNT THAT IS SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY TO PAID ON TIME/ NEVER LATE IMMEDIATELY. ( YOU HAVE 15 DAYS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To your company ( I am requesting THE METHOD OF VERIFICATION ) I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED FOR DELTION AND UPDATE EACH ACCOUNT THAT IS SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY TO PAID ON TIME/ NEVER LATE IMMEDIATELY. ( YOU HAVE 15 DAYS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. )

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 2024-12-27 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: MI

Complaint narrative:
Request for Assistance in Resolving XXXX XXXX ( Debt Bondage ) Case In our efforts to support victims and work with stakeholders to combat XXXX XXXX, we have identified an issue with XXXX XXXX credit report that includes an outstanding debt potentially related to debt bondage. This debt raises both ethical and legal concerns due to possible fraudulent or coercive practices that have resulted in an unjust financial obligation. 

We kindly request your assistance in blocking and removing any negative accounts associated with XXXX XXXX credit profile.

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 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Today XX/XX/year>XXXX  I was notified that my TD personal checking bank account was frozen/levy was placed use to a debt owed and was told to contact the law office of XXXX XXXX XXXX I dont know who XXXX XXXX is but I did call his office. A representative gave me some account numbers and monetary figures but it still did not ring a bell. They told me that the original creditor was XXXX XXXX XXXX XXXX. I have never heard of either company and certainly have never done business with either. I asked was this for a service or loan and was not provided that information/clarification either. Was told to contact the XXXX XXXX court of common pleas. Seems like Id need a lawyer that I dont have the funds for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
This happened I made a complete due payment on XX/XX/year> by the time ALLIANT CU processed the payment the account was 32 days past Due see Screenshot attached XXXX. XXXX proceeded the {$280.00} payment on XX/XX/XXXXXXXX XXXX XXXX XXXX 
3.. ALLIANT CU ANY ways repossessed the car on XX/XX/year>. 
With 37 days past Due see Screenshot

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-27 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: NY

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
The accou

nt was paid in full and closed, but it is inaccurately reported as 30 days late. Mention that this violation of FCRA 623 ( a ) ( 1 ) ( A
) and XXXX XXXX Field 17A is misleading and harmful to your credit score. 
State that the inaccurate reporting violates your rights under the FCRA and XXXX XXXX  compliance standards, and you have already disputed it with the credit bureaus but seek further resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: Experian Information Solutions Inc.
State: GA

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, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation