vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have written letters to XXXX, Transunion, and XXXX about errors on my credit reports. There are late payments and personal information like names and addresses that are not correct. I have written them on XX/XX/2023 and again on XX/XX/2023. I have not gotten any responses from any of these bureaus. I have provided information including my driver 's license, social security card and proof of address. They have not sent me anything, and nothing has changed on my credit reports that i can see online. They are supposed to send updated credit reports and they have not. it's been over 60 days and nothing.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have written letters to XXXX, XXXX, and Equifax about errors on my credit reports. There are late payments and personal information like names and addresses that are not correct. I have written them on XX/XX/2023 and again on XX/XX/2023. I have not gotten any responses from any of these bureaus. I have provided information including my driver 's license, social security card and proof of address. They have not sent me anything, and nothing has changed on my credit reports that i can see online. They are supposed to send updated credit reports and they have not. it's been over 60 days and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: MI

Complaint narrative:
TO : XXXX XXXX : CFPB & FCRA & SCRA RE : Not my address reported by XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I do not acknowledge this address or debt of inaccurate information on the alleged address. I do not recognize. This information or alleged account is reporting on my credit report. 

I do not recognize the address. 
I have never lived at this address. 
I do not recognize any account related to this address. 

Every that they have reported does not meet the FCRA. I AM EMPLASIZING on 100 % MAXINUM POSSIBLE ACCURACY. 

I am giving you 30 days to verify the 100 % accuracy and validate this alleged information that is false and is negative on my credit report. 

Per the authority of the following Federal and State Laws-Requirements I request the following. 

15 USC 1692 G CFPB 15 USC 1681 2 FCRA 15 USC 1681 I 15 USC 1692 b 15 USC 1681 ( 5 ) 15 USC 1681 e 15 USC 1681 i ( 5 ) 15 USC 1681 B 15 USC 1666 b 15 USC 1692 i I am asserting my right/s under Federal and State FCRA that collection and reporting practices act. 
And including those rights because I have disputed this debt in writing within 30 days of receipt of your Initial notice. 

If you fail to provide verification of the items above, these items must be deleted. Failing to report Information correctly violates the fair credit reporting act. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I sent a letter on XX/XX/2023 to Experian. Here is my tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Denitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specic factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found univariable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I requests to know all the steps your agency took insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found univariable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I requests to know all the steps your agency took insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: AZ

Complaint narrative:
I had an old medical debt where I was charged incorrectly at the hospital. The charges were disputed but sent to a collection agency. The collection agency attempted to collect but I refused the incorrect charges. The collection agency then kept the entire debt collection and multiplied it by fake selling it to other collection agency 's who ended up on my report. The other collection companies attempted to collect on the same exact debt thus multiplying the debt excessively and caused excessive damages to my XXXX XXXX. I contacted XXXX and XXXX to have the debt disputed and removed. XXXX understood my complaint and removed the debt that was violating the FCRA ( fair credit reporting act ) XXXX on the other hand has not responded to my disputes and every time I call them I end up talking to someone in XXXX who has no idea what is going on. I want XXXX penalized for continuing to report my score incorrectly for so long and I want that excessive debt removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
File a personal loan to XXXX XXXX to consolidate 3 personal loan to a one single loan having low interest. I was approved {$36000.00}. 

I requested to pay off 3 personal loan company to pay off but the First Company Marcus Goldman Sachs did not received the payments amounting {$13000.00}. I still owe them full amount of my existing loan. 

When I call XXXX XXXX they told me they sent the Check # XXXX dated XXXX XXXX through XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX NJ XXXX and it was cashed XX/XX/2023 with the endorsement at the back of the check. I verify XXXX XXXX for Marcus Goldman Sachs and pay off and address and it was all correct. Even the account number i file to them is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/ RE : Notice XXXX XXXX XXXX and XXXX XXXX under FCRA Violations Dear [ Credit Reporting Agency 's Name ], I am writing to address your continued violation of the Fair Credit Reporting Act ( FCRA ) by refusing to remove inaccurate, unverifiable, and invalidated information from my consumer file. This letter serves as my final offer of settlement before litigation, with the intention to amicably resolve this matter. 

I am prepared to pursue legal action in accordance with the FCRA to seek relief and recover the monetary damages I am entitled to under Section 616 and Section 617 if the following items, which are inaccurate, unverifiable, and invalidated, are not promptly deleted from my credit report. Please note that this letter, along with the previous correspondence and evidence of inaccuracies, will be included in a formal complaint to the Federal Trade Commission and may be used as evidence in the pending litigation if you fail to comply with this settlement offer. 

It has come to my attention that the following violations of the FCRA have occurred : The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX The following personal information is incorrect : EMPLOYER : XXXX XXXX The following personal information is incorrect : EMPLOYER : IXXXX XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Please treat this matter with utmost urgency and comply with the settlement offer to avoid potential litigation. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: The J. G. Wentworth Company
State: NY

Complaint narrative:
When I was younger I was contacted by JG Wentworth and sold them my structured settlement. I was mentally unstable and made this decision carelessly. I sacrificed alot of money to get a lump sum and regret it everyday. I was supposed to receive XXXX dollars a month until I turn XXXX so they are still collecting my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: SC

Complaint narrative:
My original loan amount borrowed was {$25000.00} the added fees made it {$28000.00}. To date I have paid back {$31000.00}. {$20000.00} of that has been interest and {$10000.00} has been principal. Technically without further interest I would owe some where around {$18000.00} in principal. My current balance is {$33000.00}. When I requested a payoff, the company said my pay off would be {$34000.00}. Which is even more that the current balance. I have offered to settle with the company to pay the principal of what I should owe. They refused. I am being charged {$40000.00} interest on {$25000.00}. This is ridiculous. I want to settle this, however this is robbery!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These inquires are fraud and FTC report attached, police report on file and ID attached. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX see FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter on XXXX XXXX to experian. here is my tracking number.. However the credit bureaus said they completed the investigation and everything was 100 % correct. According to the Law 15 U.S.Code 1681a-definitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation? 
What would be a fair resolution to this issue? 
delete the accounts from my credit report 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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My Equifax credit report has disappeared. I have tried to apply for a mortgage and have been denied because the lender could not pull my Equifax report. 
I called Equifax, followed their request to submit a letter with copies of my SSN, proof of address, and letter stating to update my account. 
Approximately 30 days later I received a letter from Equifax saying I did not follow their instructions correctly and nothing had changed. I called Equifax and spoke to 2 different ladies, and they both verified they received my information correctly and I did not need to do anything else. 
However, as of today XX/XX/XXXX, my Equifax credit report is still unavailable. When I log in to their website, my score says it was last updated on XX/XX/XXXX and I receive an error code that reads " Please give us a call and give this code to the Agent : XXXX ''. 
However, when I give the code to the agents, none of them know what XXXX  means and they assure me there is nothing else I need to do. 

Please help. My wife, children, and I would like to buy a house and Equifax is preventing us from making it happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this letter to request the immediate removal of the following accounts and associated information from my consumer report. The accounts and information listed below should not be reported on my consumer report, as their presence constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist on the prompt deletion of these accounts and information from my consumer report, as their continued presence violates multiple laws. Please take immediate action to remove these accounts and associated information without delay.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
need the accounts mention below validated Community/zales # XXXX XXXX XXXX XXXX XXXX XXXX Absolute Resolutions # 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 2023-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I was reviewing my credit report and I notice Credit Collection Service XXXX agency was reporting a debt of {$160.00} on my credit report. On XX/XX/2021, XXXX issued a credit to me in the amount of {$210.00} because I canceled my policy. I have never given Credit Collection Service XXXX permission to send my personal information to this collector. Thereby, I would like to request signed validation of debt documentation approving my release of records to this third-party entity.

1. ) Please provide a breakdown of the debt and give an explanation as to why I was refunded.

2. ) Please provide a copy of my signature with the provider of service to release my information to an unknown entity.

3. ) Cease any credit bureau reporting until the debt has been verified through me.

4. ) Please send this information to my address listed above, which should be XXXX XXXX CT XXXX, NC XXXX. 
* Also, this is my formal debt validation request which I am allowed to submit which is substantiated by the FDCPA ( Fair Debt Collection Practices Act ). Please note that the falsification of the information you received from this provider is in violation of the FDCPA because you will be deceiving me after my written request for debt validation. Having that being said, I request full documentation of what you received from this provider of service in connection with this alleged debt. 
Additionally, any reporting of the debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek punitive damages from this collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
The card was fraudulently used in XX/XX/2023 and we reported the fraud. The fraud was supposedly handled. We then paid the card off for the legitimate charges and closed the account in early XX/XX/2023. Despite the card being closed and receiving documentation in this regard, the card had fraud charges related to cash advances reappear in XX/XX/2023 and interest on cash advances was applied to the " canceled '' card in XXXX and XXXX. I have called at least 10 times to get the card properly canceled and the fraud dealt with to no avail.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation