vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-04-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I received several letters and emails stating that I owed a debt of {$1400.00}. So, I then immediately responded via mail stating that I dispute the debt and it does not belong to me. If they believed it belonged to me, to validate said debt, which they also did not do. This company disregarded my letter, violated the law, my rights and still posted this collection on my credit reports which has now negatively dropped my credit scores. Which is a huge inconvenience, as I am now going through the process of seeking a new place of residence. I'm submitting a complaint, because I would like this issue resolved. 

Thank you.

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

Complaint narrative:
I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 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 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 explanation
Consumer complaint received 2024-04-04 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: NY

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

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

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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

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 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 2024-04-04 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: GA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These collections & accounts found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Accounts 1. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 

XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 2. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX  Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 3. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 4. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 5. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS Thank you for your cooperation

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 2024-04-04 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:
I am writing to report that I have been a victim of identity theft. This letter serves as a formal dispute regarding the following accounts on my credit report. I have already contacted the company directly, as instructed, to address this issue. Additionally, I have filed an identity theft report with the FTC and have contacted the company to dispute the erroneous information on my file. The bank already deleted the accounts after receiving the documentation I forwarded to them. Also, these accounts are no longer reporting with other bureaus. So, my question is why do you still have the nerve to continue reporting these fraudulent accounts? Please have these accounts deleted for once : 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 2024-04-04 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: FL

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 non-monetary relief
Consumer complaint received 2024-04-04 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:
Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX 2002 XXXX, TX XXXX Subject : Request to Remove Inaccurate Debt from Credit Report Dear Experian, I hope this letter finds you well. I am writing to bring to your attention an issue regarding an inaccurate debt that is reflected on my credit report. I have taken several steps to address this matter, including contacting XXXX XXXXXXXX XXXX XXXXXXXX, and subsequently escalating the issue to the Consumer Financial Protection Bureau ( CFPB ). 

As per my communication with XXXX XXXX XXXX  XXXX, they were unable to validate the debt in question. Therefore, under the guidance of the CFPB, I sought their assistance in contacting XXXX XXXXXXXX XXXX XXXXXXXX to resolve this matter. Unfortunately, despite the CFPB 's efforts, they too were ignored by the aforementioned entity. 

Considering the circumstances, I kindly urge Experian to remove this collection item from my credit report as soon as possible, as it is evident that this debt does not belong to me. 

In support of my request, I would like to bring your attention to the consumer protection regulations outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ) and 12 CFR 1006.34 ( b ) ( 5 ). These sections emphasize the importance of accurately reporting and investigating consumer disputes. As per these regulations, it is imperative that any discrepancies are promptly addressed and resolved. 

I trust that Experian will fulfill its commitment to maintaining the accuracy and integrity of consumers ' credit information. I kindly request that you thoroughly investigate this matter and take appropriate action to rectify this anomaly on my credit report. 

Please provide written confirmation of the removal of this inaccurate debt from my credit report. Additionally, I would appreciate receiving an updated copy of my credit report reflecting the necessary changes. 

Thank you for your prompt attention to this matter. I remain hopeful that you will take swift action to rectify this inaccuracy. Should you require any further information or clarification, please do not hesitate to contact me at the address provided above. 

Yours sincerely, 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 2024-04-04 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: NY

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, other items still need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items will be corrected. XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX : {$6400.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX

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

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-04 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: FL

Complaint narrative:
TransUnion, XXXX XXXX XXXX XXXX  XXXX, PA XXXX RE : Request to Block Trafficking-Related Information XXXX XXXX XXXX XXXX Dear Sir or Madam, I am a survivor of XXXX XXXX and I am reaching out to address a matter concerning my credit report. The following information listed on my credit report is a direct consequence of the XXXX I have endured. With this letter, I am providing you with the XXXX XXXX XXXX case number assigned to my situation : XXXX. I kindly request that you block the entry labeled " XXXX XXXX XXXX  '' from my credit report, as it relates to the trafficking-related circumstances and the identified source. 

In accordance with section 605C of the Fair Credit Reporting Act, I respectfully ask that you take necessary measures to block this information from my credit report within four business days. I kindly request that you provide me with notification of the actions taken. Your prompt attention to this matter is sincerely appreciated. 

Thank you, 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 2024-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I dont want to take to much time but I have been charged several late fees and I just paid it. I refuse to the past 2 months because I am locked out and cant make my payment. The problems I have now also with log in issues is I cant make my payments online and the company is forcing you to pay {$4.00} with a third party and not fix the problem. I feel they are most likely getting compensated from that {$4.00} because it makes no sense that I have been locked out my account 2 months and it cant be fixed.. I requested for a supervisor to call two times no one has. XX/XX/28 by a rep XXXX XXXX. She put in the request it is now XXXX urgent because now this may go on my credit over 30 days! Im going to pay the {$4.00} again and Im furious that is why I made this complaint. They have it in their greeting if you have log in problems please go online to ally/log in. They know this is a problem. Someone called me this week XXXX gave me a temporary password and tried and could not get me signed in. I said get a supervisor to call me I dont want to pay {$4.00}. Ofcourse no supervisor calls. They dont care to fix the problem. They offer 10 days to make your payment I been doing this within the grace period and I have late fees. The past 2 months they know I am locked out and they still charged me late fees. {$570.00} is now {$700.00} owning! I hope Im not over 30 days late I filed this for my protection to the credit bureau its not my fault. I have called so many times and long holds etc no one is fixing the problem. I called yesterday XXXX to make my payment before work and it requires the entire account number but they block it out. They were not opened so I could not pay with no account number. I cant be on hold long XXXX at work. Today I went online to reset forgot password and it says your locked out! You just cant make your payment easy.

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 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
i would like to get my bonus of {$300.00} they say i cant get it cuz it took ssi to long for direct deposit by 4 days

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 2024-04-04 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 2024-04-04 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: NY

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: FL

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 DELETED on my credit file. 
XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX A XXXX Balance Owed : {$530.00} XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX Balance Owed : {$9100.00} XXXXXXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX A XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: NY

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$5200.00} XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation