vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Office of the Attorney General Consumer Protection Division XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : XXXX XXXX Equifax LLC Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax LLC for violations of my rights as a consumer. I have also submitted all relevant supporting documents to the Office of the Attorney General for further assistance in this matter.

Despite my efforts to resolve these issues directly with Equifax, I have encountered numerous stall tactics, which I believe are intended to delay a resolution. This has caused me significant distress and inconvenience, and I am seeking your assistance in addressing these violations.

Enclosed are the supporting documents that detail my interactions with Equifax and outline the specific violations I believe have occurred. I respectfully request that both the CFPB and the Office of the Attorney General investigate this matter and take appropriate action to protect my rights as a consumer. 

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

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXXAccount Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Subject : Debt Validation Request Under Section 312 of the Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX I am writing regarding the account referenced below, which has been reported to my credit file or otherwise claimed to be owed by me. I request validation of this debt in accordance with Section 312 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Account Name/Number : XXXX Original Creditor : New XXXX XXXX I require the following information to verify the validity of this debt : 1. Validation of the Debt : Documentation demonstrating that I am legally obligated to pay this debt, including a copy of the original agreement or contract signed by me.

2. Details of the Account : A full accounting of the amount allegedly owed, including the original balance, all interest and fees applied, and the calculation used to arrive at the total amount.

3. Ownership Proof : Evidence that you are authorized to collect this debt.

4. Credit Reporting Information : Details on how this account is being reported to credit bureaus, as required under Section 312 of the FCRA.

In addition to the above, I am requesting clarification regarding any 1099-C ( Cancellation of Debt ) associated with this account : If the debt has been canceled or forgiven, please provide a copy of the IRS Form 1099-C issued for the cancellation of the debt.

If no such cancellation has occurred, please state so explicitly in your response.

Under the FCRA and FDCPA, you are required to ensure that all information you report is accurate and substantiated. Until I receive the requested validation and documentation, I request that you cease any collection activities, including reporting the debt to credit bureaus.

Please consider this a formal dispute of the debt until sufficient evidence is provided. If you can not verify this debt within 30 days, you are required to remove it from my credit report and cease further collection efforts.

I am requesting all correspondence and documentation to be sent to me at the address provided above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint about the inaccurate reporting of late payments by SYNCB/CARECR to the credit bureaus. The records show several payments marked as late, which is completely false, as I made these payments on time. This error is harming my credit score and unfairly affecting my 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 2024-12-03 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: MS

Complaint narrative:
I need your help addressing the inaccurate account listed on my credit report. This matter has negatively impacted my reputation as a customer, and I am requesting your assistance in removing these incorrectly reported accounts.

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 2024-12-03 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: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 XXXX XXXX- XXXX has violated my rights. 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 an 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. Accounts need to be removed from 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 2024-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
been having a financial hardship since i been laid-off from my employment with the state of Texas as XXXX XXXX i spoken with my finance company after a month in a half to put my request in so i can get my loan due date moved to a later date for i can make full payments with no issues. my request was never fulfilled and i also notified the financial institution on behalf of my employment status. i was called more than XXXX a week by them weekly until i made a payment. on XXXX XXXX i made a payment in put in a financial hardship change request again to adjust my payments from the XXXX of the month to the XXXX. it was submitted by a customer service representative and i was told the request was submitted and someone was suppose to call me or email me. on XX/XX/year> i received a message about my payment being due. i called the bank and asked why my request wasn't submitted the team lead.. told me i needed to provide a reason ... .i specified to him that i already explained that to the representative that previously put the request in and nothing was done still. so i explained to him i feel this is unfair to my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
Debt validation according to 15 SC 1692G I request a a detailed list of history payments made by me on this account. I want to see the signature that I put on the contract guarantee that I will pay this creditor. Im also asking to see has there been any insurance claim found on this debt? I want proof that you have a chain of title to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I recently obtained a copy of my credit report and notice portfolio recovery is reporting a collection. I never received a notice informing me of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was recently notified that personal and identifying information had been leaked in several data breaches ( Name, date of birth, social security number, address, phone number, employer information, account numbers and passwords ). There are unauthorized inquiries currently being reported via TransUnion and they have negatively impacted my
credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: MS

Complaint narrative:
i recently reviewed my XXXX trans union and XXXX report and see their unauthorized accounts i did not benefit from are initiate they are merchants ' adjustment XX/XX/XXXX XXXX XXXX and as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: MS

Complaint narrative:
i recently reviewed my XXXX XXXX XXXX and Equifax report and see their unauthorized accounts i did not benefit from are initiate they are merchants ' adjustment XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX and as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute and request the immediate blocking and deletion of several accounts on my credit report that were opened fraudulently as a result of a data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I assert my rights as a victim of identity theft and request that the following accounts be permanently removed from my credit file : XXXXXXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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 am asking for your support in addressing the inaccurate account being reported on my credit report. This has affected my reputation as a customer, and I require your help to remove these accounts, as they are both incorrectly and negatively reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-03 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I spoke to an agent, then contacted XXXX about reporting. 
Was delete on XXXX however XXXX and XXXX XXXX stated they were never notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation