vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 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: PA

Complaint narrative:
I am writing to file a formal dispute regarding an auto loan reported on my credit file by XXXX XXXX XXXX XXXX. Despite my repeated attempts to dispute this account, it continues to be verified by the credit reporting agencies. I have provided evidence directly to XXXX, which clearly demonstrates the inaccuracies in their reporting, yet they have failed to take appropriate action to delete the erroneous information. 

Furthermore, it has come to my attention that XXXX XXXX XXXX XXXX has recently been involved in violating the Fair Credit Reporting Act ( FCRA ) by failing to correct inaccurate information provided to credit reporting agencies. This raises serious concerns about the accuracy and integrity of their reporting practices. 

I hereby request that the Consumer Financial Protection Bureau intervene in this matter and ensure that the credit bureaus promptly removes the disputed account from my credit file. Enclosed with this letter is a copy of the correspondence I received from XXXX, which further substantiates my claim. 

I trust that the Consumer Financial Protection Bureau will investigate this dispute thoroughly and take appropriate action to rectify the situation. Your prompt attention to this matter. 

account # XXXX balance {$10000.00}

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 2024-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: KS

Complaint narrative:
First I wanted to thank CFPB for the work you did on my prior complaint # XXXX. 
This is closed and their was a clear direction to call the XXXX XXXX # provided to talk about the loan and the options to pay it off. 
I halted because I felt the response was a little threating or an assumption that I was going to take legal action against. 
I took out this loan because of XXXX that morning had shut off my electricity ( started to get rather chilly late XXXX ) and a deadline to have like around {$400.00} to them by their close of the day. 
I never used a payday before. 
The XXXX worked through the process and when I got the {$700.00} approval, she wrote down for to expect around $ XXXX month and that the loan should be paid off within 6 months. 
I signed the agreement on XX/XX/year> but the first payment wasn't due until XX/XX/year> The letter in the prior complaint has stated that my XXXX check was running out around the XXXX of each month. My bad, i did not get another XXXX until XX/XX/XXXX, so I doubled up - but noticed the balance was over {$900.00} I did an audit on my loan, before talking with them. 

I got stuck when I tried to figure the XXXX for 227.8800 % I didn't request a response from the company, but my apologies for this assumption, but I am thinking you might have some words of wisdom from other customers who signed with XXXX XXXX. 

I discovered that the minimum payment due that the XXXX XXXX provides, only covers interest. 

XXXX. So if anyone has figured out how to pay the 97 % interest and then somehow pay more then 3 % to XXXX. 

XXXX. Also if their is a best practice for how to get ahead of this 227.8800 % interest charge, I sure could use the wisdom. 

Looking at my options- of which I dont really have except just to surrender the car to them. 
The other XXXX I dealt with said that the girl who signed me up did not make it clear that if I miss XXXX payment, the tow truck is ready and if it was her, she would have repossed my vehicle. ( for her payment I had to reach down to my nephew to get the {$300.00} ... .it is like the XXXX part XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
UNAUTHORIZED CREDIT INQUIRIES ON MY CONSUMER REPORT, PLEASE REMOVE IMMEDIATELY : 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have initiated and investigation with XXXX XXXX XXXX and filed a police report. The details are listed below. 

Police Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sheriff : XXXX XXXX XXXX XXXX ) XXXX XXXX The following accounts have 30 days to respond to this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To the best of my knowledge, I have not received any services, goods, or financial transactions from [ XXXX XXXX XXXX ] that would warrant the debt they are claiming. 
I have diligently reviewed my financial records and found no evidence of any transactions or agreements with [ XXXX XXXX XXXX ] that would validate the debt they are attempting to collect.

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 2024-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am writing to formally dispute the validity 10 missed payments. Upon reviewing the documents provided, I have noticed discrepancies in the original contract associated with the debt. 

Specifically, the terms outlined in the original contract do not align with my recollection of the agreement. I request that you provide me with a detailed breakdown of late payments accrued. 

Additionally, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt. Please provide all relevant documentation, including the original contract, proof of ownership of the debt, and verification of the amount owed.

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 monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Delete the late dates of the disputed items from my credit report immediately as mandated by the FCRA, and cease the inaccurate reporting, or face legal consequences for non-compliance. The failure to respond appropriately within the specified time frame will result in further legal action for the violation of my rights under the FCRA. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX and XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} 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 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XX/XX/2023 I file Fraud Claim. After speaking with the Fraud Dept. I realized the charge was valid and remitted payment for the charge, Barclay 's agreed to credit all late fees and interest charged as a result which would bring my account current. After several calls over the next two months to clear the interest and late fees charged, I called to inform Barclay 's I would not be using their card during XXXX because of the lack of customer service in relation to the interest and late fee. I was told that the charges would be cleared and in appreciation of my patience a offer of interest rate of 3.99 % for all charges through XXXX. After paying the full balance of purchase made. I continued to be charged a minimum interest which when not compounds a late fee. Over and Over this occurred. What I tried to explain is that the information on my bill states : " you can avoid interest paying interest if you pay your purchases subject to interest in full by the due date. ' This is standard, However, there appears to be a glitch in Barclays system where interest continues to accrue after the due date ( and a minimum interest charge as well ). Therefore, charges mount up continuously. I have taken 10 hours of my time and filed an official claim with Barclay 's to no avail. Now I wonder how many other people just pay and do not notice the excessive charges. 

I would to know that will be investigated. So that no one else is experiencing the difficultty I have endured.

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 monetary relief
Consumer complaint received 2024-03-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have consistently disputed the inaccuracies in the following information with XXXX, XXXX, and TransUnion. Unfortunately, the issue persists and remains unresolved to this day. 

XXXX XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove. 

XXXX XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove. 

TransUnion 1. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX  Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove.

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 2024-03-04 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: OH

Complaint narrative:
I have consistently disputed the inaccuracies in the following information with XXXX, Experian, and XXXX. Unfortunately, the issue persists and remains unresolved to this day. 

XXXX XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove. 

Experian 1. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX  XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove. 

XXXX XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX  XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove.

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 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
In XXXX of 2021 I XXXX, fully settled and payed the amount needed to Completely close the debt Between the law office of Jennifer McCoy and XXXX XXXX apartments, I do not have any debt owed to national credit systems. The collection was sent to the law office of Jennifer McCoy where it was paid in full. The debt showing on my credit for XXXX XXXX XXXX should have never been created or placed on my credit. Although it shows balance of XXXX $ and account still open, it should have never been there to begin with. My credit should ONLY show XXXX credit and debt paid in full and closed account under law office of Jennifer McCoy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In addition, I am also a victim of identity theft and have filed a necessary report with the Federal Trade Commission. I have provided the Identity Theft Affidavit in this complaint. 

Per 15 U.S. Code 1681b, I have noticed that there are several inquiries that were NOT authorized and they do NOT have permissible purpose according to the credit act law provided. The credit bureaus are in VIOLATION of the FCRA, and these items must be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: CA

Complaint narrative:
I have disputed these fraudulent inquiries multiple times with EQUIFAX and they kept ignoring my request. So, I'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. please remove these immediately as the do not belong on my report, and they are affecting my quality of my life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding the inaccurate charge-off status on my credit report. Despite my diligent efforts to resolve this matter and bring it to your attention, the charge-off entry remains unjustly impacting my creditworthiness. 

I provided comprehensive documentation and explanations to demonstrate that the charge-off was incorrect and should be removed immediately. However, to my dismay, subsequent reviews and investigations by your agency have failed to rectify this issue, leaving the charge-off entry intact. 

The presence of this inaccurate charge-off status severely undermines my creditworthiness and financial credibility. It unfairly represents my credit history and financial responsibility, leading to adverse consequences such as higher interest rates, difficulty obtaining credit, and hindered financial opportunities. 

I urge your agency to take immediate action to rectify this matter. Specifically, I request that : The erroneous charge-off entry be promptly removed from my credit report. 
A thorough investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered in previous reviews. 
XXXX and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar inaccuracies from occurring in the future. 
I emphasize the urgency of resolving this issue, as it continues to unfairly impact my financial well-being. I am asking for your assisstance to remove these accounts fraud in my credit file XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX XXXX Balance : {$720.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
a kohls credit card was given iun my name by an ex girlfriend that had my social and was opening different accounts and having multiple bills and addresses in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Trans Union website would not let me file a dispute or claim against two collectors account that was place on my credit report! I tried write Transunion, but they wont provide an address!

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 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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