vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 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: CA

Complaint narrative:
I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. The other Bureaus are not reporting this fraudulent information.

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 2024-04-17 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 did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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:
Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-04-17 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:
Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I have contacted XXXX their attorneys and their collections agency. I have been to court with their attorneys and was told if I sent them everything they requested they would handle then case outside of court. They asked for an XXXX XXXX affidavit a police report and the statement from XXXX. I supplied all of those items and have not heard anything back. I have also created a fraud alert and froze my credit at all 3 reporting companies. Yet I still have heard nothing from them. We have court next week and I have no idea if I am still supposed to go or not and court is almost an XXXX XXXX away I would appreciate it if they would keep their word and prosecute the people I told them had access to my information and the ability to set this account up in my name.

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 2024-04-17 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-04-17 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: MN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-17 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: LA

Complaint narrative:
. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX Account name : All other negative accounts 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 XXXX 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 the15 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 XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

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 2024-04-17 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: CO

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on 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 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 2024-04-17 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: CO

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Lugano Capital, Inc. d/b/a Start Auto Finance
State: FL

Complaint narrative:
I got a loan from start auto finance they approved my loan. I paid my entire down payment including my first car note. I received my hard plates along with my registration. XXXX XXXX is hiding documents conspiring with the dealer. If you look at the reviews on XXXX and XXXX its the same story over and over. Shes stealing Money and now trying to steal mine. They have reported my loan to the credit bureau and its now on my credit. How is this possible if they didnt pay the loan? Shes committing bank fraud because they are saying Im in default when my contract is clear! I put XXXX down and also paid my first car note! Im not sure how the Feds have not investigated this company yet due to all the claims of fraud and document concealing but this is illegal. I demand my down payment back. How did they not pay the loan if I got all my plates, registration, reported to the credit brureus, and paid my car note. All the claims on XXXX and XXXX are not lying shes committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kason Credit Corporation
State: CT

Complaint narrative:
Kason Credit claims I owe an amount of XXXX, this debt is medial debt, in which case, my health insurer, XXXX should have paid. Previously, XXXXXXXX XXXX  attempted to collect on this debt, appears to have sold account to Kason. The amount, {$830.00}, appears higher than previous, it appears Kason may have added on bogus fees for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: TX

Complaint narrative:
I hope this email finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the several formal attempt to address this crucial matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and impacting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$870.00} XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I just checked again my TransUnion and XXXX credit reports and I can see account reporting inaccurately. Please see attached file below

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 2024-04-17 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: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
I have contacted XXXX their attorneys and their collections agency. I have been to court with their attorneys and was told if I sent them everything they requested they would handle then case outside of court. They asked for an XXXX XXXX affidavit a police report and the statement from XXXX. I supplied all of those items and have not heard anything back. I have also created a fraud alert and froze my credit at all 3 reporting companies. Yet I still have heard nothing from them. We have court next week and I have no idea if I am still supposed to go or not and court is almost an XXXX XXXX away I would appreciate it if they would keep their word and prosecute the people I told them had access to my information and the ability to set this account up in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: CA

Complaint narrative:
I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I have also attached evidence [ XXXX XXXX XXXXXX/XX/XXXX ], This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX XXXXXX/XX/XXXX ], This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX - XX/XX/XXXX ], This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX - XX/XX/XXXX ], This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just checked again my XXXX and Experian credit reports and I can see account reporting inaccurately. Please see attached file below

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 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
Received email below stating I owe this company. I have no knowledge of this company. I have not signed anything with this company and have made arrangements with National Debt Consolidation to pay the original debtor. This company does not have my full name on email or address or anything to validate. 


Reach out about your payment plan options! 
Spring Oaks Capital LLC XXXX, we have a variety of payment options available for you Now that your account originated by XXXXXXXX XXXX is owned by Spring Oaks Capital SPV , LLC, we have a number of payment options available for you. Below is one of those proposed plans. 
BALANCE AS OF TODAY {$5800.00} 22 MONTHLY PAYMENTS OF {$260.00} /month! 
Pay Full Balance Button OR See Payment Plan Our team is prepared to help you find the solution that best fits your needs. If you prefer to pay over time and spread your balance over a number of months, we can help make that happen. If youd rather pay in one lump sum, but cant do it today, we can help with that too! Our plans dont expire and are available when you are ready. 

We're available by phone or chat during normal business hours, or you can find the right flexible payment option for yourself on our online portal at any time. 
ACCOUNT INFORMATION Reference No. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: AmeriCash Holding LLC
State: IL

Complaint narrative:
I pulled my consumer reports around XXXX of 2023 and I notice it was errors on my XXXX reports. I sent a dispute to the creditor SAIL XXXX XXXXXXXX and they receive my letter XXXX. I will attach Exhibit 1 showing when I sent the dispute. Exhibit 2 will show when they received the dispute letter. I waited well over the 30 days allotted by law. This is a direct violation 15 USC 1681i. Subject to subsection ( f ) and except as provided in section ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Exhibit 3 is the letter I sent to SAIL XXXX. Today I'm sending out another dispute letter that I will attach also exhibit 4-5. Informing SAIL XXXX  that they went passed the 30 day period allotted by law proves they can not validate or verify this account. I will like for SAIL XXXX to delete this inaccurate information off my consumer report immediately. SAIL XXXX  you have defamed my character, my reputation, my worthiness, and my mode of living. I was just denied for a loan because of this inaccurate information

Company response to consumer: Closed with explanation