vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
This letter serves as a formal and urgent demand for the immediate removal of fraudulent accounts from my credit report. I am a victim of identity theft, and the accounts you have reported are not mine. Your failure to act on this matter is not only unacceptable but has also led to severe health issues as a result of the immense stress and XXXX this situation has caused me. 

Under Section 605B of the Fair Credit Reporting Act, you are legally obligated to investigate and rectify any inaccuracies in my credit report. I have attached the necessary documentation to substantiate my claims, including a police report and an identity theft affidavit. It is now your duty to block these fraudulent accounts and ensure that my credit report reflects my true financial history. Accounts that need to be removed ; Revolving Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$4100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$12000.00} Remove all addresses that I have never lived at : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Let me be unequivocally clear : I expect these erroneous accounts to be removed from my credit report within four ( 4 ) days of receiving this letter. Your non-compliance will leave me with no choice but to pursue legal action against your bureau for damages, including but not limited to the emotional distress and health problems that your negligence has caused. 

I demand immediate confirmation in writing that you have initiated the investigation and that the fraudulent accounts will be removed as per my request. Failure to comply will not be tolerated, and I will escalate this matter through all available legal channels. 

This is a serious situation, and I expect a serious response. I anticipate your prompt action and a written reply within the specified time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NY

Complaint narrative:
I am filing a complaint against Transunion for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. On two separate occasions, I mailed dispute letters to Transunion, disputing inaccurate accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The first letter was mailed on XX/XX/year> ( XXXX certified mail tracking number XXXX ), and I received a response dated XX/XX/year> via mail. 
The second letter was mailed on XX/XX/year>, and I received a response dated XX/XX/year>. 
In both responses, Transunion stated : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' According to the Fair Credit Reporting Act ( FCRA ), Transunion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Transunion has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.

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 2024-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. I outlined the accounts and violations in my letters, but after 30 days, I have not received a response. Attached are copies of the letters sent.

This company has violated FCRA 623 ( a ) ( b ) by failing to mark the disputed account as disputed, and FCRA 605 ( c ) by incorrectly reporting the date of last activity instead of the payment date.

Additionally, they have not validated the collection account, further violating FDCPA 809 ( b ) according to the FTC.

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 2024-11-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. I outlined the accounts and violations in my letters, but after 30 days, I have not received a response. Attached are copies of the letters sent.

This company has violated FCRA 623 ( a ) ( b ) by failing to mark the disputed account as disputed, and FCRA 605 ( c ) by incorrectly reporting the date of last activity instead of the payment date.

Additionally, they have not validated the collection account, further violating FDCPA 809 ( b ) according to the FTC.

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 2024-11-25 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: GA

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-25 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: NY

Complaint narrative:
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

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 2024-11-25 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: FL

Complaint narrative:
Equifax id reporting improper information regarding a closed account. The XXXX XXXX Account is reporting XXXX missed payment and is reflecting as an open account. This account has been closed since 2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
On XX/XX/year> I made a payment of {$250.00} towards my auto loan. My normal monthly payment is {$590.00} and is usually due on the XXXX. I've made a payment of {$250.00} each week so far in XXXX on each XXXX. {$250.00} was paid on XX/XX/XXXX, {$250.00} was paid on XX/XX/XXXX and {$250.00} was paid on XX/XX/XXXX. So a total of {$750.00} has been paid so far this month. 

The auto loan servicer is Bridgecrest. Their policy is to allow for payments directly against the principal of your loan, but only if you pay them first then request an amount of {$100.00} or more to be applied towards the principal. I've successfully completed this process with them multiple times. The agent named XXXX gave pushback to this process multiple times and questioned why I would want to do this. XXXX tried to convince me to just let the overpayment of {$150.00} apply to XXXX payment instead of applying it directly to my principal. They refused to do so multiple times. They refused to speak with a lead or XXXX for help since it initially seemed like they didn't know that they were doing. Eventually it seemed like XXXX was being pressured by some company policy to be purposefully obtuse or seemingly underliterate to avoid processing a direct principal payment. 

The contact was made today via XXXX text support line. The interaction began at XXXX XXXX and ended at XXXX XXXX after XXXX attempted to misrepresent the request again. 

I stated this request in a similar manner to every other time that I've successfully done so. I've been increasing the amount of money that I've been paying towards the principal each month. It seems like I may have been flagged for interference if XXXX simply wasn't acting on their own. XXXX ended the chat after I confirmed that I would be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2024-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
I have received many calls from them they. Said they have reported to my credit. And even though I made a payment plan they would not removed from collection until payments are made in full

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: MD

Complaint narrative:
I moved out the apartment XXXX  XXXX at XXXX on XX/XX/year>, my employer was relocating me and they were to pay the lease breakage fees that was {$2700.00}. The property manager was aware of same and we were all in agreement. My employer mailed the check which was delivered on XX/XX/year>. XXXX  at XXXX cashed the XXXX on XX/XX/year>. 
Prior to that I had been reaching out to the property to clear any outstanding balances as well as I had someone go into the office to request information for me. I am yet to get a direct response from the property manager despite my many attempts to clear if any outstanding balances. I have proof of countless emails sent to her and calls which go unanswered to this property. 
On XX/XX/XXXX I got a call from a XXXX XXXX she didnt say where she was calling from she identified as a debt collector that I owed and I needed to pay. I advised her that my employer had sent the XXXX and it was cashed. I asked her for an email to sent proof of same and she provided me with a XXXX email address which to me looked fake, however I still sent the email. I finally got through with the property and they informed me that I didnt owed nothing and that my bill has been cleared and they provided me with a ledger of same. 
I thought this was over until I checked my credit report and saw IQ Data International as a creditor which lowered my credit score. I called and stated I have proof that I dont owe this property and this is on my credit report. Instead of trying to help they wanted to charge me more money in order to run my credit report and potentially clear the debt on my account. They wanted me to pay {$190.00} start up fees, {$99.00} per month for 3 months while the dispute is being cleared and {$27.00} to generate a new credit report. 
I reached back out to XXXX XXXX and she hang up the phone on me when I said to her per the property I do not owe them. She stated I have to pay the balance and I cant provide the proof I have. I asked for an email and she said the property has to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I accidentally sent a {$1000.00} XXXX payment to the wrong phone number through Chase, and it went to a random person instead of the person I intended for it to go to. 

I was able to get the phone number and name of the random person, so I know where it went. I reached out to them, but they didnt reply. I contacted Chase, and investigation told me they could not do anything about it. 

I am frustrated and dont know what to do at this point because thats a lot of money for me to send and lose like that. Can you help me get my {$1000.00} back?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The company listed as XXXX XXXX  on my account has reported incorrectly siting my rights as an individual protected by the FCRA. 15 US CODE 1666B TIMING OF PAYMENTS Under this law a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( B ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I also choose to opt out of credit reporting from this 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 non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The company listed as XXXX XXXX on my account has reported incorrectly siting my rights as an individual protected by the FCRA. 15 US CODE 1666B TIMING OF PAYMENTS Under this law a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( B ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I also choose to opt out of credit reporting from this company.

Company response to consumer: Closed with non-monetary relief