vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: PRANCER CAPITAL CORP
State: PA

Complaint narrative:
Voluntarily repossession car was sold the company however still charging me the balance of loan.

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

Complaint narrative:
I am submitting a complaint regarding inaccurate late payment history remarks on my credit report. Despite previous attempts to address this issue, these remarks remain on my report without correction. The information is incorrect and does not accurately reflect my payment history.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to ensure that all information on my credit report is complete and accurate. By failing to update or remove these erroneous late payment remarks, your agency is not meeting its legal obligations.

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 2024-11-11 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: TX

Complaint narrative:
I am submitting a complaint regarding inaccurate late payment history remarks on my credit report. Despite previous attempts to address this issue, these remarks remain on my report without correction. The information is incorrect and does not accurately reflect my payment history.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to ensure that all information on my credit report is complete and accurate. By failing to update or remove these erroneous late payment remarks, your agency is not meeting its legal obligations.

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 2024-11-11 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-11-11 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 am following up on ongoing inaccuracies in my credit report that remain unresolved. Despite submitting multiple disputes and providing supporting documentation to demonstrate these errors, the information continues to be reported incorrectly without any corrections. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to maintain 100 % accuracy in reporting. By allowing these inaccuracies to persist, your agency is in violation of this requirement.

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 2024-11-11 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: TX

Complaint narrative:
I am following up on ongoing inaccuracies in my credit report that remain unresolved. Despite submitting multiple disputes and providing supporting documentation to demonstrate these errors, the information continues to be reported incorrectly without any corrections. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to maintain 100 % accuracy in reporting. By allowing these inaccuracies to persist, your agency is in violation of this requirement.

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 2024-11-11 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:
This complaint about inaccurate information in one of my credit report 's accounts has been made repeatedly. Even after sending numerous objections and including documentation that demonstrates the mistakes, the information is still reported incorrectly. 

In accordance with 15 U.S.C. Section 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting organizations must guarantee that all information is 100 % 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 non-monetary relief
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
This complaint about inaccurate information in one of my credit report 's accounts has been made repeatedly. Even after sending numerous objections and including documentation that demonstrates the mistakes, the information is still reported incorrectly. 

In accordance with 15 U.S.C. Section 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting organizations must guarantee that all information is 100 % 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 2024-11-11 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: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # 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

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

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00}

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 2024-11-11 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: CA

Complaint narrative:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

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 2024-11-11 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: NC

Complaint narrative:
In according with the Fair Credit Reporting Act account XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX, SC XXXX, Date XX/XX/year> accounts balance : {$470.00}, {$300.00}, {$530.00} and {$340.00}. has violated my rights. 
15 U.S.C. 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also States a Consumer Reporting Agency can not furnish a account without my written instruction.

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 2024-11-11 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: VA

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

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 2024-11-11 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: Advanced Resolution Services Inc.
State: NE

Complaint narrative:
on XX/XX/year> I wrote to ARS, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX disputing a bankruptcy on my credit reports asking them to remove from my credit report to preserve my right to privacy according to 15 U.S. code S 1681A and per 15 U.S. code S 168B2 permissible purposes included with this letter I sent a copy of my old AZ state ID, social security card with the name of XXXX ( My prior married name ) I also sent a copy of my new AZ state id and social security card with the name of XXXX along with my XXXX cable bill asking them to delete the disputed bankruptcy and to send me a copy of my updated credit report. as of todays date. XX/XX/year> the bankruptcy has not been removed off of my credit report nor have I still received my credit bureau report ( s ) XXXX sent me a response with a report number XXXX for XX/XX/year> saying that they had verified the bankruptcy, I am not sure how because I wrote to the U.S. Bankruptcy Court wanting to know how they report this information since they are not a creditor, and they wrote me back a letter that they do not report this information to any consumer reporting agencies and that they are not responsible for verifying or validating information contained in consumers credit reports XXXX request more information from me that I had already sent in the packet in XX/XX/year>, which included the letter asking each credit agency to remove the bankruptcy a copy of my old state id and social security card with the name of XXXX also a copy of my new state id and social security card with the name of XXXX along with my XXXX cable bill??? 
XXXX has not responded at all.????? 

ARS sent a response of who furnished the information to them who is not a creditor, the bankruptcy has not been removed from my credit report they did send an updated report to show who furnished the information to them. 
XXXX XXXX /XXXX  sent me a letter/form requesting the same information that I had already sent them in my XX/XX/year>, letter, I sent that form back filled out XX/XX/year>, and I still have not received a response back from that form nor have I received a copy of my credit report from them with the bankruptcy removed, as of today 's date XX/XX/year> XXXX did send me a list of creditors that are in good standing on my report however it does not show if the bankruptcy was removed as requested

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

Complaint narrative:
I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding these late payments, and they have approved updating the accounts to " open or closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

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 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently this agency is violating consumer rights by using false misleading, misrepresentation, and deceptive means although I have made previous attempts to fix these issues directly with them and violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Request to Correct Inaccurate Name Reporting on Credit Report To Whom It May Concern, I am writing to request assistance regarding an ongoing issue with The credit bureau inaccurate reporting of my name on my credit report. Currently, The credit bureau is listing my name in several incorrect variations that do not match my legal name and have not done so for over XXXX XXXX This has caused confusion and complications in verifying my identity and in managing my credit. 

My legal name, as stated on my XXXX XXXX XXXX XXXX XXXX XXXX, is XXXX XXXX XXXX. I have contacted The credit bureau multiple times in an effort to have this corrected, but no action has been taken to resolve the issue. I am requesting that my name be updated in their records to reflect my legal name accurately. 

Please let me know if any additional information or documentation is required to assist in resolving this matter. I appreciate your assistance in ensuring the accuracy of my credit report. 

Thank you for your attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Request to Correct Inaccurate Name Reporting on Credit Report To Whom It May Concern, I am writing to request assistance regarding an ongoing issue with The credit bureau inaccurate reporting of my name on my credit report. Currently, The credit bureau is listing my name in several incorrect variations that do not match my legal name and have not done so for over XXXX XXXX This has caused confusion and complications in verifying my identity and in managing my credit. 

My legal name, as stated on my XXXX XXXX XXXX XXXX XXXX XXXX, is XXXX XXXX XXXX. I have contacted The credit bureau XXXX XXXX in an effort to have this corrected, but no action has been taken to resolve the issue. I am requesting that my name be updated in their records to reflect my legal name accurately. 

Please let me know if any additional information or documentation is required to assist in resolving this matter. I appreciate your assistance in ensuring the accuracy of my credit report. 

Thank you for your attention to this issue.

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 2024-11-11 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: SC

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX  XXXX XXXX Balance : {$180.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00} DEPT OF EDUCATION/ XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00}

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 2024-11-11 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: MS

Complaint narrative:
On XX/XX/year>, I sent a formal dispute letter to Equifax via certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), requesting an investigation into multiple inaccuracies on my credit report. Specifically, I challenged Discrepancies in negative items, inaccurate reporting of Bankruptcy and Incorrect personal information. To verify my identity and comply with the Fair Credit Reporting Act ( FCRA ) requirements, I attached all necessary documentation, including, A copy of my government-issued ID, My Social Security card and, Proof of my current address. 
Despite providing clear, legible, and fully compliant documents, Equifax refused to conduct an investigation. On XX/XX/year>, I received a response from Equifax stating that my documents were illegible and requesting enlarged copies. This assertion is incorrect ; the documents I submitted were entirely clear and readable. This response appears to be a baseless delay tactic to avoid conducting the necessary investigation. 
Under the FCRA, Equifax is legally obligated to conduct a reasonable and timely investigation when a consumer disputes the accuracy of items on their credit report. By refusing to investigate my dispute and citing an unsubstantiated issue with the legibility of my documents, Equifax has disregarded its responsibilities and violated my consumer rights. 
Equifaxs refusal to investigate has left incorrect information on my credit report, which is damaging to my financial standing and creditworthiness. This unresolved issue has caused me undue frustration and stress and may result in negative financial consequences, including possible credit denials or less favorable loan terms. 
Equifaxs inaction constitutes a violation of the following FCRA provisions : Section 611 ( a ) ( 1 ) ( A ) : Mandates that Equifax conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of information. Section 611 ( a ) ( 2 ) ( A ) : Requires Equifax to notify the furnisher of the disputed information and proceed with a timely investigation, which Equifax failed to initiate.

Company response to consumer: Closed with non-monetary relief