vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I noticed this charge first in XX/XX/XXXX with a debe collector XXXX XXXX XXXX using the XXXX XXXX XXXX XXXX. It was an alert notification showing I had an account in collections for XXXX. I filed Police Report number XXXX in XX/XX/XXXX. I also put a freeze on my credit. It was removed and found out to be Identity Theft. On XX/XX/XXXX I noticed on the XXXX XXXX XXXX XXXX the debt collector Jefferson Capital Sys is trying to collect again the deft for XXXX in the amount of {$2300.00}. The issue looks like it's not resolved with XXXX and they are still trying to collect this fradulent debt which is Identity Theft. I filed another police report XXXX with XXXX XXXX XXXX XXXX XXXX for Jefferson Capital. The XXXX XXXX XXXX phone number is XXXX. XXXX XXXX from XXXX a part of XXXX was helping me also her phone number is XXXX x XXXX. XXXX said it looks like account was opened under a fake XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never lived in XXXX. I am unable to get information from XXXX about the account because they merged with XXXX. Since the account is closed they keep on telling me they have to tranfer me to XXXX side and then XXXX said they have to transfer me to the XXXX side. Neither party can bring up the account so I can get information on it and then I get hung up on. I sent a dispute to XXXX, XXXX and XXXX and they said the conclusion of the investigation is the account is Accurate and Verified. I don't know what to do at this point and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: AL

Complaint narrative:
My wife reached out to XXXX XXXX for an insurance quote on XX/XX/XXXX and was told that they would not provide a quote due to claims history on a CLUE report from Lexis Nexis. She obtained information that some of the claims belonged to my father. She requested reports from Lexis Nexis on XX/XX/XXXX for review. Upon receipt and review, we emailed Lexis Nexis the details that I am disputing on XX/XX/XXXX and received an automated response. We received an additional email a few days later instructing us to submit the dispute through their portal which was done on XX/XX/XXXX including copies of my ID and a bill showing my name is XXXX and my home address ( which is different than the information on the dispute which shows XXXX and my father 's address ). We received letters from Lexis Nexis dated XX/XX/XXXX and XX/XX/XXXX stating that the information in dispute was unverifiable. We called LexisNexis on XX/XX/XXXX and the clerk stated she would submit disputes on the items in question. When asked why this was being resubmitted, when it had already been submitted to them twice, she stated that they are governed by the FCRA and have 30 days to investigate. Given that these disputes were initially filed XX/XX/XXXX and again on XXXX, we are beyond the 30 day mark. I do not feel that Lexis put any effort into investigating the dispute, thus requiring me to call again which they say resets their 30 day mark. The claims in question clearly show a different address, XXXX, or XXXX within the claim data, and given that I have provided my license and the bill showing XXXX and a different DOB and address this should have been an easy fix. Additionally, Lexis did not reach out to obtain any additional information that could have cleared up the dispute such as my father 's ID or other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My credit report showed slow payment information for a credit card I never had. I called many times and disputed through XXXX but Chase refused to provide me with the original application with my signature and would not tell me what was purchased with the card. I had my mother on the phone with me and they wouldn't help even when she called them. She tried to explain this was fraud but they could not or would not provide the information she requested which was a copy of the original application with my signature or the information on what the credit card was used for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I filed an mortgage loan application with Navy Federal Credit Union. I was rate shopping and found a lower rate. Then Navy Federal loan officer XXXX XXXX informed me that I could lock in a rate of 6.125 % and had the option to buy down to 8.5 %. I agreed to that rate and she sent me the paper work to sign, just sign, not fill out. 

I received a paper via email and digitally signed it. The option for the rate lock was preselected for me. My understanding was that it was a float lock that protected the interest rate at 6.125. 

Upon getting ready to close, the loan processor, XXXX XXXX, informed me the rate was now 6.375 % I sent her the paperwork explaining we locked in the rate at 6.125 % She said the rate was never locked in. However, I was not able to lock it in. Firstly, the loan was approved pending documentation. The documents required was to show my husband didn't owe child support, even though the credit report showed he didn't owe anything. 

Navy Federal filled out the option for me and sent the documentation for signature only. Also, since they needed double verification that no money was owed for child support and did not know when closing was, we were unable to lock in the interest rate. So, it is my opinion that Navy Federal manipulated the process in order to allow the interest rate to increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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:
XXXX XXXX XXXX Balance XXXX  Original Credito XXXX This was placed on my credit reports recently. This account was already removed from my credit reports. It looks as if it was sold and then relisted This account does not belong to me.

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 2024-04-09 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: PA

Complaint narrative:
Throughout my history with this account, I've consistently upheld timely payments, preventing any instances of overdue payments. I find myself uncertain about the rationale behind the presence of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: PA

Complaint narrative:
Ensuring punctuality in my payments on this account has always been a priority, never allowing them to lapse into overdue status. The existence of late payment remarks on my accounts perplexes me, and I seek clarity on this matter. According to 15 USC 1666b - Billing Error, rectifications should be undertaken.

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 2024-04-09 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: GA

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

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 2024-04-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Formal Dispute Regarding Late Payment Verification [ XX/XX/XXXX ] Experian XXXX XXXX Dear Sir/Madam , CFO ECT I am writing to formally dispute the accuracy of the late payment entry on my credit report, which has been verified by your bureau. The late payment in question appears on [ XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ] and is associated with the account [ XXXX XXXX XXXX Account # XXXX ]. Despite my previous attempts to dispute this entry, it has been reaffirmed by your investigation. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request detailed information regarding the method used to validate and verify the accuracy of this late payment. Specifically, I would like to receive : 1. Documentation illustrating the process followed to validate the accuracy of the reported late payment. 
2. Any correspondence exchanged with the creditor regarding the validation of this late payment. 
3. Any evidence provided by the creditor to substantiate the claim of the late payment. 
4. Details of the individual ( s ) responsible for conducting the investigation and verifying the accuracy of the late payment. 

I emphasize the importance of transparency and adherence to regulatory standards in resolving this matter. As a consumer, it is my right to receive comprehensive information regarding the validation process conducted by your bureau. 

I urge you to conduct a thorough review of this dispute and provide the requested information within the time frame stipulated by the FCRA. FAILURE to provide sufficient evidence to validate the accuracy of the late payment may result in the REMOVAL of this entry from my credit report. 

Please consider this letter as a formal request for investigation and provide a written response within 30 days, as required by the FCRA. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation in resolving this dispute. I look forward to receiving the requested documentation and a favorable resolution to this issue. 

Sincerely, 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 2024-04-09 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: IN

Complaint narrative:
I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with XXXXXXXX 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 2024-04-09 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: IL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am aware that according to article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with I.C. SYSTEM, INC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 
As of XXXX XX/XX/2024 I have not received any documentary evidence such as a trilateral contract giving I.C. SYSTEM, INC any right to collect on this alleged debt. I have never received any documentation requesting validation from I.C. SYSTEM, INC before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 ( d ) ( 4 ) which the FTC defines as debt parking.

If I.C. SYSTEM, INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them.

If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud.

Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f.

Your prompt attention and response are both requested and required.

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 2024-04-09 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: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



Sincerely, 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 2024-04-09 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: NJ

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and distress they are causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative and inaccurate information in my credit report was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative and inaccurate information in my credit report was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-09 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: TX

Complaint narrative:
I notified Equifax that the account XXXX is reporting without the name of the creditor and they failed to remove this account or explain how this was verified. Furthermore, you failed to notate this account was in dispute within 30 days now this account in violation. Per the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsection A-D ), you failed to provide me with the names and business addresses of each individual who verified the aforementioned item. XXXX and XXXX deleted this unverified account. Please see the attached credit report which shows that there is no creditor and no notation of a dispute and remove the account XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card/account under an open consumer credit plan as late for any purpose.

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