vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$1500.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$1500.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report is showing late payments on XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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. XXXXXXXX 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 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 1681 c. ( 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 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
To whom it may concern : XXXX. The late payment status on this account is invalid and inaccurate you must have maximum accuracy in reporting. Please delete if you fail to verify I demand you show supportive documents that your reporting is accurate and show that Ive been late this is a violation of your 15 USC 1666 b which violates my rights. XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$2000.00} Open balance {$1500.00} XXXX. Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account info Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. Status updated XXXX XXXX  Balance {$13000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$12000.00} Highest balance {$13000.00} Terms XXXX XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : - Comments : - Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX. VA XXXX Credit card XX/XX/XXXXXXXX  Closed Account charged off. {$1700.00} written off. {$2000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX 138 % {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} {$2000.00} {$2000.00} Individual Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to bring to your attention an alarming experience I recently had with XXXX XXXX XXXX and the subsequent mishandling of my dispute by Chase Disputes Department. On XX/XX/2023, I solicited the services of XXXX XXXX XXXX to repair my AC unit located at XXXX XXXX XXXXXXXX XXXX. The technician, representing XXXX XXXX XXXX, charged me for a XXXX XXXX that he claimed was used to potentially detect leaks and additionally for XXXX pounds of freon. However, the unit continued to underperform, prompting me to contact the company again. Their assessment was that more freon was needed. Given the recurrent issues, I decided to seek a second opinion from XXXX XXXX XXXX. On XX/XX/2023, a senior technician from REM undertook a thorough inspection and not only confirmed that my unit was spraying freon, but that I didn't need the dye because you could clearly see the freon spraying out of the unit. The technician also revealed that the UV dye application I had been charged for by XXXX XXXX XXXX was never conducted. 
This was confirmed using specialized XXXX XXXX XXXX In response to this discovery, I promptly filed a dispute with Chase Disputes, challenging the charge of {$1000.00}. It is deeply concerning that a service provider would act in such a deceitful manner, capitalizing on my lack of technical expertise in the matter. To my dismay, on XX/XX/2023, I received a decision from Chase Disputes ruling in favor of XXXX XXXX XXXX. This decision not only lacked a thorough understanding of the nature of my dispute but also denied me the opportunity to provide supplementary evidence, including a crucial video from XXXX XXXX XXXX, which irrefutably proves my claims. The dismissal letter from Chase misconstrued my dispute stating, " That I disputed the charge because I believed that I cancelled the service with the merchant due to quality of service provided, '' which is patently incorrect. My grievance is explicitly due to the fraudulent service rendered by XXXX XXXX XXXX and the payment I made for services that were never delivered. Given the above, I am appealing to the Consumer Financial Protection Bureau to investigate this matter, ensuring : A thorough review of the unethical and deceptive practices of XXXX XXXX XXXX. An inquiry into the dispute resolution processes at Chase Disputes, which seem to be lacking in due diligence and a genuine understanding of customer complaints. It is distressing to believe that consumers can be so easily defrauded, and I hope that the CFPB can provide recourse and ensure that such practices are adequately addressed. Thank you for your attention to this matter. I trust in the integrity of the CFPB to act in the interest of justice and consumer protection. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/2023 and XX/XX/2023, I submitted multiple letters to XXXX, Equifax, and XXXX with my concerns about things being reported on my consumer report ( XX/XX/2023 letters attached ). There are numerous inaccuracies with the accounts in question. They are not in compliance with the XXXX XXXX Standard of filing. As of now the CRA 's have not updated the status of any account nor have they notified me of an investigation and if there is one conducted they have not informed of the results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/2023 and XX/XX/2023, I submitted multiple letters to XXXX, XXXX, and Experian with my concerns about things being reported on my consumer report ( XX/XX/2023 letters attached ). There are numerous inaccuracies with the accounts in question. They are not in compliance with the XXXX XXXX XXXX of filing. As of now the CRA 's have not updated the status of any account nor have they notified me of an investigation and if there is one conducted they have not informed of the results.

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 2023-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I purchased a vehicle from U.S Auto Sales XXXX XXXX XXXX XXXX XXXX XXXX. I paid {$1300.00} down and since XX/XX/2023 paid {$2100.00} of payments towards the vehicle. I received a letter that the company was closing in XXXX, XXXX XXXX XXXX I received a letter from Westlake Portfolio Management , LLC about taking over the loan for {$22000.00}, the starting cost before I paid the down payment and any payments towards the vehicle, so basically what I paid in I loss, and that's not fair to me, because I'm not the reason the company went out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
They offered me a settlement which I paid. They held my funds for XXXX business days enabling them to report only the decreased balance but not the settlement. They then reported the settlement but have yet to remove their tradeline. They have stretched the length of time so they can continue to negatively impact my credit when theyve received their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau. ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/XXXX  RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX. XXXX. XXXX  } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX  ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { 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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am submitting this follow up complaint to once more for a reason that am still seeing these accounts in my XXXX and TransUnion credit file. And it was already making me anxious as even how many times I am requesting the XXXX and TransUnion Credit Bureaus to investigate and rectify the inaccuracies associated with these accounts, they persist in displaying the wrong status. And this blatant disregard for accuracy has unjustly tarnished my credit standing and scores. I have made my decision, and it's high time the XXXX and TransUnion Credit Bureaus to REMOVE these specified accounts from my credit file : XXXX : XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX XXXX Date opened : XX/XX/XXXX Balance $ - TRANSUNION : XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX  XXXX XXXX opened : XX/XX/XXXX Balance $-

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 2023-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
NFCU repossessed my vehicle while I was XXXX XXXX XXXX, without a court order, which I believe is I violation of the Service-members civil relief act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation