vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested on several occasions documentation for all accounts reporting to my consumer report as well as all evidence of investigations and reinvestigations for disputes. 
this is my final step before seeking judgment.

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 2024-03-02 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: NM

Complaint narrative:
I am writing to express my deep dissatisfaction with the repeated and ineffective attempts to remove fraudulent items from your platform. Despite my persistent efforts to report these fraudulent listings, I have encountered significant delays and obstacles in their removal, which is highly concerning. 

However, I am disappointed to note that despite my diligence in reporting these fraudulent items, they continue to persist on your platform for an unacceptable period. This not only reflects poorly on the integrity of your service but also exposes your users to potential financial loss and other risks associated with fraudulent activities. 

Furthermore, the lack of transparency and communication regarding the status of my reports has only exacerbated my frustration. I have received minimal updates on the progress of my complaints, leaving me in the dark about the actions being taken to address these issues. 

As a loyal user of your platform, I expect better accountability and responsiveness from your company when it comes to combating fraudulent activities. It is imperative that you take immediate and decisive action to improve the effectiveness of your fraud detection and removal processes. 

I urge you to allocate additional resources to expedite the removal of fraudulent items from your platform and enhance communication with users regarding the status of their reports. Implementing stricter verification measures for sellers and investing in advanced fraud detection technologies are also crucial steps to prevent the recurrence of such incidents in the future. 

Failure to address these concerns promptly will not only undermine the trust of your user base but also expose your company to potential legal and reputational consequences. I implore you to take this matter seriously and prioritize the protection of your users from fraudulent activities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance : {$120.00} XXXX XX/XX/year> XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 2024-03-02 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Navy FCU reported a ( late payment ) on my consumer report without my knowledge or full disclosure prior to making the report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: CA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1100.00} XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023

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 2024-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I've requested my signature on contract with all parties involved in these debt collection, everytime I request my signature on contract with all companies/parties my request has not be fulfilled resulting in multiple debt collection agencies requesting me to pay them for the same debt because they are constantly reselling the debt to each other claiming i owe them the newest debts collection agency is ( LVNV FUNDING LLC ) I am not in contract with LVNV FUNDING LLC nor do I owe them this a violation of 15 USC 1692d- harassment and abuse 15 USC 1692g - validation of debt and 15 USC 1692c - communication in connection with debt collection

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: NC

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00}

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 non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Previous attempt to the Experian, XXXX and XXXX to update my Legal name to my true name as met with indifference and inaction. This is a violation of 18 U.S. Code 242 - Deprivation of rights under color of law,

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 2024-03-02 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XX/XX/2023 a certified letter was mailed to XXXX XXXX-Apple requesting a debt verification for an account that was fraudulently reported on my consumer report. 

I never received a response to my request. I have attached a copy of the domestic return slip confirming the letter was delivered to the address provided on my consumer report. 

Pursuant 15 USC 1681i ( 7 ) Method of verification this account is in violation, it was reported without valid evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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:
Good evening I am writing to express my deep frustration and disappointment regarding an ongoing issue with a collection entry on my credit report, which has been persistently extended by XXXX XXXX XXXX. 
For the past decade, I have diligently monitored this collections entry, expecting its removal as it reached the end of its reporting period. However, to my dismay, every six months as it approaches the anticipated removal date, XXXX XXXX XXXX extends its duration by another six months. This cycle has persisted for the last two years, leaving me in a state of frustration and financial distress. 
Despite the collection 's tenure of ten years, XXXX XXXX XXXX has continuously thwarted its removal, impeding my ability to achieve financial stability and access favorable credit opportunities. Moreover, despite my efforts to rectify this issue with the credit reporting agencies, all have regrettably refused to remove the collection entry from my report. Its as if they do not have a digital imprint of the date changes. 
This prolonged and unjustified retention of the collections entry on my credit report not only tarnishes my creditworthiness but also undermines my trust in XXXX XXXX XXXX 's commitment to fair and transparent business practices. 
I urge you to promptly investigate this matter and take immediate steps to rectify the situation by ensuring the accurate and timely removal of the collections entry from my credit report. Im not sure I understand why all three reporting agencies seem to not have a digital imprint as to this unjust practice. 
I appreciate your urgent attention to this matter and expect a swift resolution. Please contact me at your earliest convenience to discuss further steps and provide updates on the progress made in resolving this issue. 
Thank you.

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 2024-03-02 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: NV

Complaint narrative:
I obtained a copy of my Equifax report on XX/XX/XXXX, and found an XXXX card that has been reporting every month since XX/XX/XXXX that XXXX can not find record of using neither my SSN nor the account number listed on my report. The account number listed on my report has XXXX digits and that is an obvious error because XXXX only uses XXXX account numbers. Not to mention the fact that I gave no permission for this private information to be shared with any third-party companies without my written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: IL

Complaint narrative:
My first request was simple. And you failed. Miserably. I still don't recognize these inquiries they forgot to delete and they provided absolutely no documentation or proof that the inquiries in question were obtained according to the Fair Credit Reporting Act. 

Once again, you gave entirely no proof and forgot to delete these listed below. 

XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/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 2024-03-02 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: NM

Complaint narrative:
I am writing to bring to your attention a pressing concern regarding the delay in the removal of unknown inquiries from your platform. As a frequent user of your service, I have noticed a disturbing trend wherein unidentified and potentially malicious inquiries remain unresolved for extended periods, posing a significant risk to both users and the integrity of your platform. 

Despite diligent efforts on my part to promptly report these unknown inquiries, I have encountered frustrating delays in their removal. This lack of swift action not only undermines the reliability of your platform but also exposes users to potential security threats and privacy breaches. 

Unknown inquiries can range from spam messages to suspicious requests for personal information, and their presence on your platform poses serious risks to users ' safety and security. It is imperative that your company takes immediate and decisive action to address this issue and prioritize the timely removal of unknown inquiries to safeguard the well-being of your user base. 

I urge you to allocate additional resources to enhance the efficiency of your inquiry moderation processes and implement stricter measures to prevent unidentified or suspicious messages from reaching users ' inboxes. Providing users with clearer channels to report unknown inquiries and ensuring prompt responses to these reports are also crucial steps in addressing this issue. 

Failure to address these concerns promptly not only jeopardizes the trust of your user base but also exposes your company to potential legal and reputational repercussions. I implore you to take this matter seriously and prioritize the safety and security of your users by expediting the removal of unknown inquiries from your platform. I am asking for your assisstance to remove these unknown inquiries in my credit file : 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 explanation
Consumer complaint received 2024-03-02 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: CA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : {$0.00}.

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 non-monetary relief
Consumer complaint received 2024-03-02 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: CA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX  credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: NY

Complaint narrative:
This is regarding the accounts listed above or in the pictures as proof which they claim is a collection of that I have with their companies. This is a formal notice that your claim is disputed, I am requesting validation may provide it to the fair debt collection practices at know that I am requesting validation that is competent evidence, bearing my signature showing that I have or ever had some contractual obligation to pay a.k.a. wet signature. Please also be aware that any negative marks found on my credit report, including XXXX, XXXX XXXX, and Equifax from your company or any company that you represent for a debt that I dont owe is a validation of the fair debt collecting practices at FDCPA 807 oh, really15 USC ( e ) therefore, if you can not validate the debt, you must request all the credit reporting agencies, delete the entry. pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could not be detrimental to any of my credit report. Where are you later to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local value. I will be seeking up to XXXX XXXX minute damages for defamation, XXXX negligence, enablement of identity, fraud violations of fair credit reporting act in fair debt collection, practices at you will be required to appear in court venue local to me since you are clearly doing business in my area for the purpose of 15 USC 1692 et seq. This notice has the same effect as a dispute to the validity of your claims please note this note is an attempt to correct your records, and any information receive from you will be collected as evidence should any further actions be collected as evidence should any further actions be necessary? This is a request for information only and is not a statement, elections or waivers of status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: NJ

Complaint narrative:
Upon reviewing my latest credit report, I noticed that the specific credit inquiries your agency has recorded, which I have previously identified and reported as unauthorized, still demand immediate attention. I have already reached out to the below-mentioned entities, requesting the removal of these inquiries from their records and verification of their deletion from all credit reporting agencies. Although they have promised to address these issues, I am contacting you once more to ensure these inquiries are promptly resolved. Included with this communication is my updated FTC report, with reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request the immediate removal of these inquiries to avoid any negative impact on my upcoming mortgage application. It is crucial for my credit score to accurately reflect my financial responsibility. I would appreciate a detailed report on the actions taken to remove these inquiries within the next 30 days. Your swift resolution of this issue will be greatly appreciated. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My credit report from XXXX shows that I have a XXXX balance credit card opened on 2010, that's not my account and I do not recognize it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reliable Credit Association, Inc.
State: MT

Complaint narrative:
Contacted my Mother posing as someone calling about an employment reference, asked her to provide my name, address, and place of employment. They apparently have a track record of this activity, and nothing has been done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have an American Express card. I have had it since 2017. Its in good standing. Always paid my bills on time. I recently paid XXXX of my mortgage payments late and it immediately affected my credit. I went from XXXX to XXXX. I do not have any other issue on my credit whatsoever. American Express responded by reducing my limit to within XXXX dollars of what I already owed. So in other words, my limit went from {$20000.00} to about XXXX. I owed just under {$4000.00} at the time. Even though I do not use the card, it did not take much time for me to reach that limit with interest on purchases that they charge every month. This has now put me at above my limit and further affected my credit. Once again, I have never defaulted on my payments. Unfortunately I can not afford to pay it off at this time. None of the other credit companies I have did this. I currently have XXXX XXXX XXXX XXXX  and XXXX. All in good standing and none of who responded as American Express did. They seem out to destroy me. I do not mind giving my social security number so my above statement can be verified

Company response to consumer: Closed with explanation