vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: NM

Complaint narrative:
I kindly ask for your help to investigate accounts from companies incorrectly reporting late payments. When I was laid off, I requested that these payments be forgiven, and they agreed, but they are still listed as late. I have contacted them multiple times without receiving any updates, so I am reaching out to you as a last resort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
I Contacted the bankruptcy court on XX/XX/year>, certified mailing # XXXX to inquiring on their method of verification with the credit bureaus. I would also request the procedure they follow when furnishing information which is reported to the credit bureaus. I also included a self-addressed, stamped envelope. They responded with a letter dated XX/XX/year>, notified me that the do no have jurisdiction over the credit agencies and do not report to credit repoting agencies. 
On XX/XX/year>, I sent a letter to the credit agencies to Immediate Deletion of Fraudulent Debt Reporting from Credit Bureau Records, XXXX XXXX  - XXXX ; XXXX ; XXXX ; XXXX XXXX ) XXXX XXXX XXXX XXXX and thay refuse to delete the 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I Contacted the bankruptcy court on XX/XX/year>, certified mailing # XXXX to inquiring on their method of verification with the credit bureaus. I would also request the procedure they follow when furnishing information which is reported to the credit bureaus. I also included a self-addressed, stamped envelope. They responded with a letter dated XX/XX/year>, notified me that the do no have jurisdiction over the credit agencies and do not report to credit repoting agencies. 
On XX/XX/year>, I sent a letter to the credit agencies to Immediate Deletion of Fraudulent Debt Reporting from XXXX XXXX XXXXXXXX, XXXX XXXX  - XXXX ; XXXX ; XXXX ; XXXX XXXX ) XXXX XXXX XXXX XXXX  and thay refuse to delete the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NJ

Complaint narrative:
Experian should ensure that only my correct personal information is reported in their records. All inaccurate details should be removed and replaced with accurate information. My correct name is XXXX XXXX XXXX XXXX, my correct address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, and my correct employer info is XXXX XXXX XXXX. Additionally, any phone numbers listed on my report should be removed. Reporting incorrect personal information violates the requirements of maximum possible accuracy under 15 USC 1681e ( b ), which includes making sure that only correct and authorized information is provided. Failure to remove this may constitute willful noncompliance under 15 USC 1681n, which allows for damages of up to {$1000.00} per violation.

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 2025-01-08 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: KY

Complaint narrative:
On XX/XX/year> at approximately XXXX I attempted to deposit {$950.00} cash into my XXXX checking account at a PNC ATM located at XXXX XXXX XXXX XXXX KY. I had made deposits and withdrawals at this ATM into my XXXX account before but this time was different. After the cash was put into the ATM I received the error " Your card can not be used at this ATM. Please use another card. '' The ATM at this point attempted to refund my cash but was unable to do so. I instead received a receipt which is attached proving my attempted deposit. I have contacted both PNC and XXXX multiple times and each time they tell me they can not do anything and to contact the other bank. This situation leaves me with no other option but to get a higher authority involved to resolve this situation. Please help, thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2025-01-08 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: TX

Complaint narrative:
I am writing regarding a discrepancy with my credit report and a closed line of credit previously held through XXXX with XXXX XXXX. Although the account has been closed for over a year, I have always made my fixed monthly payments. During this account 's active period, I did experience two late payments which were recorded in XXXX and XXXX of 2019. At the time of occurrence, I formally disputed these late payment entries, and they were removed from my credit report. Recently, however, I have found that these late payments have re-appeared on my credit report, reflected this time as 30 and 60-day past due. This is a disturbing reappearance, and I request that this discrepancy be investigated and rectified.

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 2025-01-08 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: TX

Complaint narrative:
I am writing regarding a discrepancy with my credit report and a closed line of credit previously held through XXXX with XXXX XXXX. Although the account has been closed for over a year, I have always made my fixed monthly payments. During this account 's active period, I did experience two late payments which were recorded in XXXX and XXXX of 2019. At the time of occurrence, I formally disputed these late payment entries, and they were removed from my credit report. Recently, however, I have found that these late payments have re-appeared on my credit report, reflected this time as 30 and 60-day past due. This is a disturbing reappearance, and I request that this discrepancy be investigated and rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I am writing regarding a discrepancy with my credit report and a closed line of credit previously held through XXXX with XXXX XXXX. Although the account has been closed for over a year, I have always made my fixed monthly payments. During this account 's active period, I did experience two late payments which were recorded in XXXX and XXXX of 2019. At the time of occurrence, I formally disputed these late payment entries, and they were removed from my credit report. Recently, however, I have found that these late payments have re-appeared on my credit report, reflected this time as 30 and 60-day past due. This is a disturbing reappearance, and I request that this discrepancy be investigated and rectified.

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 2025-01-08 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: IL

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.

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. 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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.

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. 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 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

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.

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. 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 2025-01-08 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-08 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8300.00} Collection XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$540.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KY

Complaint narrative:
Adverse claim of Tittle of Estate mailed certified letter ( as I have copies of ) Misrepresented Instruments- Bills of Attainder/ Foreign Bills of Exchange titled Billing Statement dated XX/XX/XXXX and XXXX XX/XX/XXXX for {$1000.00} Notice of Default for not responding within the 15 days of the notice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase benefit travel insurance, filed a claim and submitted all documents XX/XX/year>, the claim is still in process the representative states documents have not been uploaded, however they have been uploaded. I wait hours on line to be transferred to a manager. They have no intention of connecting you to a supervisor and place you on holds. Beginning to think this is fraud from all the other complaints online. Mind you this is for {$92.00}, and so now its about the principle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX Subject : Dispute of Debt 15 USC 1692g Dear Sir/Madam, I am writing in response to your recent communication regarding the alleged debt referenced in your letter. ( Account Number : XXXX ). Please be advised that, in accordance with 15 U.S. Code 1692g, I am formally disputing the validity of this debt. 

Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. Therefore, I respectfully request the following : 1. Proof of the debt : A copy of the original contract or agreement, or other documentation showing that I am legally obligated to repay the debt.

2. Account history : A detailed statement showing the amount you are claiming, including any charges, fees, or interest applied.

3. Verification of your authority : Proof that you are authorized to collect on this debt, such as evidence that you are the original creditor or have been assigned the debt Please be aware that under 15 U.S. Code 1692g ( b ), your collection efforts must cease until you have provided the requested verification. Additionally, if you fail to validate this debt within 30 days from the receipt of this letter, you are required to cease any further collection activities and remove the information related to this debt from my credit report. 

This letter is sent to ensure my rights under the Fair Debt Collection Practices Act are upheld. Kindly acknowledge receipt of this letter and provide the requested information in a timely manner. 

If you fail to provide the necessary validation of the debt, I will take appropriate actions to report your violation of the FDCPA to the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company has been reporting inaccurate information on my credit report since 2018 ( 7 years ) with a past due balance of {$560.00}. This account was paid off, not just by me but by their insurance company. They refuse to delete this account from all XXXX of my credit profiles. It has ruined my chances of recovering my credit score and they have ignored my repeated attempts to obtain a debt validation letter. I would like this account removed from XXXX XXXX of my credit reports immediately.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company has been reporting inaccurate information on my credit report since 2018 ( 7 years ) with a past due balance of {$560.00}. This account was paid off, not just by me but by their insurance company. They refuse to delete this account from all XXXX of my credit profiles. It has ruined my chances of recovering my credit score and they have ignored my repeated attempts to obtain a debt validation letter. I would like this account removed from XXXX XXXX of my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
This company has been reporting inaccurate information on my credit report since 2018 ( 7 years ) with a past due balance of {$560.00}. This account was paid off, not just by me but by their insurance company. They refuse to delete this account from all XXXX of my credit profiles. It has ruined my chances of recovering my credit score and they have ignored my repeated attempts to obtain a debt validation letter. I would like this account removed from XXXX XXXX of my credit reports immediately.

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