vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am perplexed by the slow process of your investigation, especially when other credit bureaus have promptly addressed similar disputes. I am a victim of inaccurate reporting, and I have diligently followed the proper channels to rectify the situation. The delays in the investigation process are causing additional harm to my financial well-being and mental health. 

XXXXXXXX XXXX XXXX -PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX  XXXX XXXX-dismissed Reference # : XXXX -PLEASE DELETE!!! 
I am confused as to why the other credit reporting agencies have promptly addressed similar disputes while your bureau seems to be ignoring my requests. I request that you expedite the investigation of my dispute and promptly remove the inaccurate information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: FL

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in 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

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 2024-01-05 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: AR

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: AR

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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 2024-01-05 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: AR

Complaint narrative:
I trust this letter finds you well. I am writing to express my ongoing frustration and disappointment with the persistent issue of late open accounts associated with my account, despite my prior attempts to address and rectify this matter. 

I previously communicated my concerns, outlining the numerous attempts I had made to resolve the late open account issue. Regrettably, the matter has not been adequately addressed, and the problem persists, causing considerable inconvenience. 

I would like to recap the previous attempts made to rectify the situation : Initiated contact with your customer service department to inquire about and address the late open account. 

Follow-up communication with customer service after the initial inquiry did not yield a satisfactory resolution. 

Submitted written documentation and supporting evidence to demonstrate the discrepancy in the open account. 

Escalated the matter to a supervisor or manager within your organization, seeking a more authoritative intervention. 

Despite these efforts, the late open account issue continues to persist, and it is disheartening to note that my concerns have not been adequately addressed. This situation has not only impacted my trust in your company but has also affected my financial stability and overall satisfaction as a customer. 

I understand that issues may arise, but the lack of resolution and communication regarding this matter is unacceptable. I kindly request your immediate attention to this ongoing problem, with a commitment to resolving the late open account issue promptly. 

I expect a thorough investigation into the root cause of this problem and a comprehensive response outlining the steps your company will take to rectify the situation. Additionally, I request transparent communication regarding the timeframe within which I can expect a resolution. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues to seek redress. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00}.

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 2024-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX, XXXX XXXX who is currently in the process of repaying back my school loans. The federal student loans have resumed its payment this past year in 2023, and I've been paying my payments on time through EdFinancial. Every time I pay, the payment reverses and the site claims that I did not pay, therefore accumulating interest. I've done research through several online forums and have seen I'm not the only XXXX, therefore referencing me to complain to the CFPB for desperate measures. I've tried contacting XXXXdFinancial but to no avail have they been able to help me. Please let me know my options whether that is to get EdFinancial to stop playing games with its customers, they have already made XXXX  and XXXX  off the backs of XXXX  's future generation- setting us up for failure at this rate if they keep it up. I'm upset, irritated, desperate for help, you name it. Thanks for your time and hope you can help me solve this problem! I don't think they can reverse the interest, that's not my concern. I would like to fricken fix their payment system and let these things go through!! My bank said it's not an issue on their end!!! 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: TX

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested verification under oath of the following : the name and address of the original creditor & the profit net loss statement from XXXX XXXX XXXX XXXX XXXX XXXX regarding acct # XXXX appearing on my Experian report # XXXX. Both have been requested to be verified under oath and I have yet to receive them. I am disputing this alleged account with XXXX XXXX XXXX XXXX, former CEO XXXX XXXX, Chief of Staff XXXX XXXX, & Experian. I also did not give consent to XXXX XXXX XXXX XXXX XXXX XXXX performing an inquiry on my consumer report on XX/XX/2023. XXXX XXXX XXXX XXXX XXXX XXXX has already been found guilty of false, misleading and deceptive practice and fined XXXX XXXX by the CFPB for similar practices so this is willful non-compliance. I am invoking my specified remedy as the original creditor and demand for XXXX XXXX XXXX XXXX XXXX XXXX. to immediately cease all communication with all third parties such as Experian, XXXX, XXXX, and any and all other affiliates and non-affiliates. Experian has a grave responsibility to ensure accuracy of all credit reporting.

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 2024-01-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to address a concern regarding the accuracy of my credit report. After reaching out to XXXX - XXXX XXXX regarding the validity of the debt, I did not receive any information to substantiate the claim. Upon reviewing my credit report, I noticed that the account with the following details is incorrectly reported as a late payment account with a balance due : XXXX - XXXX XXXX XXXX Open Date XX/XX/2007 Balance : {$93000.00}. I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this matter. Please investigate this discrepancy and make the necessary corrections to ensure the integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Company is requesting debt form me from a charged off account. When I reached out to company case manager was rude and belligerent towards me. I asked him to provide me with contracts that state I owe his company a debt over six months ago wasn't provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to address a concern regarding the accuracy of my credit report. After reaching out to XXXXXXXX XXXX XXXX XXXX regarding the validity of the debt, I did not receive any information to substantiate the claim. Upon reviewing my credit report, I noticed that the account with the following details is incorrectly reported as a late payment account with a balance due : XXXX - XXXX XXXX XXXX Open Date XX/XX/2007 Balance : {$93000.00}. I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this matter. Please investigate this discrepancy and make the necessary corrections to ensure the integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I request that you promptly update the delinquency date to accurately reflect the timely payments made. It is imperative that my credit report accurately represents my creditworthiness, and any discrepancies negatively impact my financial standing. 
XXXX XXXX XXXXXXXX XXXX PLEASE UPDATE!!! Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX PLEASE UPDATE!!! Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX PLEASE UPDATE!!! Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX UPDATE!!! Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I remind you of your obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the information contained in my credit report. The inaccuracies identified not only violate my rights but also tarnish my creditworthiness.

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 2024-01-05 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:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 explanation
Consumer complaint received 2024-01-05 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
The first notification was through my bank alert and right after a XXXX XXXX alert on XX/XX/24. I contacted my bank and told them I was notified of 2 hard inquiry pulls that I never authorized. Once, I spoke to my bank they told me to get in contact with the credit bureaus to notify them of the ongoing situation. I was the advised by all 3 bureaus to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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 2024-01-05 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: FL

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The following accounts were included in the bankruptcy. Being included in Bankruptcy means the accounts have been satisfied and paid and satisfied. Since they have been satisfied, they are NOT to be listed NEGATIVELY within my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

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

15 U.S.C. 1681 section 604 A - States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

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

15 U.S.C. 1681 section 604 A - States a consumer reporting agency can not furnish a account without my written instructions.

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 2024-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Company repossessed vehicle and sold vehicle and is still sending me emails requesting money after charging off vehicle and selling vehicle for less than what the contract was for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
They have reported inaccurate information to the three credit bureaus.

One report states that the account was closed and the last payment was made on XX/XX/2023 and late payments are XXXX while reporting to another bureau that the last payment and account was closed XX/XX/2023 and late payments are XXXX

Company response to consumer: Closed with explanation