vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: GA

Complaint narrative:
I have been requesting a proper reinvestigation from Experian and XXXX about the following accounts. These accounts are still reporting in error and negatively affecting my financial health. Here is the reason : XXXX. A CHARGEOFF CAN NOT HAVE A BALANCE REPORTING. 
XXXX XXXX XXXX XXXX Account Number : XXXX DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX. CHARGEOFF CAN NOT HAVE A BALANCE. OPEN DATES DO NOT MATCH. 
XXXX XXXX XXXX XXXX Account Number : XXXX DELETE ACCOUNT FROM MY CREDIT REPORT XXXX. DATE OPENED DO NOT MATCH. PAYMENT HISTORY IS MISLEADING, 120 DAYS LATE 2 TIMES. 
XXXX XXXX XXXX XXXX Account Number : XXXX DELETE THIS ACCOUNT XXXX. THIS ACCOUNT DOES NOT BELONG TO ME. ACCOUNT # IS INCOMPLETE. HOW CAN I BE 120 DAYS LATE AND THEN XXXX? 
BANK XXXX XXXX Account Number : XXXX DELETE ACCOUNT According to the Fair Credit Reporting Act. My credit report has to be 100 % accurate. After a reinvestigation concludes the disputed information has to be removed/deleted. PLEASE STOP SENDING COMPUTER GENERATED LETTER AND STILL REPORTING ERRORS.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I went into a blind contract that I was willingly tricked and convinced into paying a down payment, which wasnt an unauthorized charge due to the truth in lending act cash is not included in a finance charge. after the paperwork was sent certified mail, I received no response, but I received a repossession.i was also not given or told my rights during the process ive brung this to there attention that there was a truth in lending violation as well as sent a agffadavit of truth and the they gave no response no rebuttal which means this stands as truth in court please help me seek my remedy and protect my rights as a consumer

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I went into a blind contract that I was willingly tricked and convinced into paying a down payment, which wasnt an unauthorized charge due to the truth in lending act cash is not included in a finance charge. after the paperwork was sent certified mail, I received no response, but I received a repossession.i was also not given or told my rights during the process ive brung this to there attention that there was a truth in lending violation as well as sent a agffadavit of truth and the they gave no response no rebuttal which means this stands as truth in court please help me seek my remedy and protect my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went into a blind contract that I was willingly tricked and convinced into paying a down payment, which wasnt an unauthorized charge due to the truth in lending act cash is not included in a finance charge. after the paperwork was sent certified mail, I received no response, but I received a repossession.i was also not given or told my rights during the process ive brung this to there attention that there was a truth in lending violation as well as sent a agffadavit of truth and the they gave no response no rebuttal which means this stands as truth in court please help me seek my remedy and protect my rights as a consumer

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to formally dispute several inaccuracies I have identified on my credit report. Upon thorough review, I found accounts listed that I do not recognize or believe to be accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to formally dispute several inaccuracies I have identified on my credit report. Upon thorough review, I found accounts listed that I do not recognize or believe to be accurate.

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 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law. 

Case law has affirmed my rights to request the cessation of debt collection communications. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the court ruled that a consumers request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law.

Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), reinforces the consumers right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA. 

Please be advised that failure to comply with this notice may result in further legal action. This could include filling complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies to protect my rights. 

Thanks you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I don't have no agreement or debt with Credit Collections Services, XXXX XXXX, and XXXX XXXX This collections agency has been on my report for XXXX. I do not owe them, they continue to recycle this account XX/XX/XXXX {$350.00}. 
The second account Credit Collections Services XX/XX/XXXX {$740.00} Another agency is XXXX XXXX XXXX XXXX  XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$150.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
I acquired a copy of my credit report and I began to notice that there is an account that was sent to your collection agency to which I have no knowledge of having such information in the past at all. This is the reason why Im formally writing you this letter, so I could ask for proper Debt Validation of the said item.

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 2024-11-18 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: PR

Complaint narrative:
[ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] TransUnion Dispute Department [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Subject : Dispute Regarding Inaccuracies in My Credit Report XXXX  XXXX Account To Whom It May Concern, I am formally requesting an investigation into inaccuracies reported on my XXXX XXXX account. Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 8 ), the Truth in Lending Act ( TILA ), and the CARES Act, creditors are required to report accurate information and correct any errors.

In the report provided by TransUnion, I have identified the following errors : 1. Incomplete payment history : TransUnion does not report any payment history for this account, which is inconsistent with the other bureaus.

2. Missing key details : Dates such as the last activity, closure date, and reporting date are either missing or incomplete.

3. Days past due not reflected : TransUnion does not report the late payment days accurately, while XXXX and XXXX include these details. 

These inaccuracies negatively affect my credit history and violate the FCRA, TILA, and CARES Act, particularly if COVID-19 relief measures were not properly reflected on this account. 

I request that TransUnion initiate an immediate investigation and work with XXXX XXXX to correct this information. Please send me a detailed update on the outcome within the legally allowed timeframe. 

I look forward to a prompt resolution Sincerely, [ XXXX ] [ XXXX XXXXXXXX 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 2024-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely frustrating.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sparrow Financial, Inc.
State: GA

Complaint narrative:
I filled XXXX  XXXX XXXX, this creditor has not made any adjustments to my credit report to reflect that account as being included. I have disputed with no help. I have reached out to the company via email and they say they will get back with me but never do. I am stuck with this card reporting a balance on my credit report. My trustee gave me the go ahead to start rebuilding my credit but I can due to this card reporting as open and over the credit limit. This card should be reporting a {$0.00} balance and included in bankruptcy/closed. I have a decent bit of credit cards and every single one of them have done this but this one has not. Please help

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 2024-11-18 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: IL

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX  XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX XXXX {$860.00} XXXX  XXXX - {$800.00} XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX - {$500.00} XXXX XXXX XXXX XXXX {$8700.00} XXXX  XXXX - {$10000.00} Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2024-11-18 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: MD

Complaint narrative:
More then 10 years ago my name and social Security number with part of a major security credit breach with ( Equifax ). Since then I been struggling to keep fraudulent information off my report. Although, I received a financial settlement from ( Equifax ) its not worth what I been dealing with my credit still having fraudulent reports. I have many credit cards old and new on all three of my credit reports that do not belong to me. 

Please help,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: MD

Complaint narrative:
More then 10 years ago my name and social Security number with part of a major security credit breach with ( XXXX ). Since then I been struggling to keep fraudulent information off my report. Although, I received a financial settlement from ( XXXX ) its not worth what I been dealing with my credit still having fraudulent reports. I have many credit cards old and new on all three of my credit reports that do not belong to me. 

Please help,

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 2024-11-18 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: MD

Complaint narrative:
More then 10 years ago my name and social Security number with part of a major security credit breach with ( XXXX ). Since then I been struggling to keep fraudulent information off my report. Although, I received a financial settlement from ( XXXX ) its not worth what I been dealing with my credit still having fraudulent reports. I have many credit cards old and new on all three of my credit reports that do not belong to me. 

Please help,

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 2024-11-18 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: CA

Complaint narrative:
Please remove the following fraudulent inquiries from my credit report : INQUIRIES XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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 2024-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Upon reviewing my credit I see a collections account from Caine & Weiner I have asked the company to verify this account pursuant to 15 USC Section 1681i, 15 USC 1681b ( a ) ( c ) 15 USC 1681 a2ai and 15 USC 1692 G of the Fair Credit Reporting Act of 1997 As required by the Act. I ask that this company send that I have request in my dispute certified mail, and not other fraudulent or fake, frivolous tactics to verify this debt I believe the company is operating fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: NY

Complaint narrative:
These inquiries are incorrect since i do not recognize them, please investigate them and delete them : Inquiries : EXPERIAN 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 XXXXXX/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 explanation
Consumer complaint received 2024-11-18 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: 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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
I have purchases a ticket through Cheap Flights and had it financed by XXXX XXXX XXXX previously known as Upgrade. I cancelled the flight because my daughter visas application was denied. As a result, she could not make the trip from XXXX XXXX XXXX to XXXX, XXXX, The Ticket was purchased with a full refund option which Cheap Flight, has acknowledged in their email. I have asked XXXX XXXX to cancelled the account but they would not. Citing that it has to be initiated by Cheap Flights. These two companies are not trying to resolve the issue. Instead they have decided to bounce back an forth. All I am asking is that Cheap Flights return the fund back XXXX XXXX so I can close this account. I have attached the proof that the Visas was denied and my daughter will not travel after all and they must refund me.

Company response to consumer: Closed with explanation