vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX I reached out to the three credit bureaus requesting the latest updated version of my credit report, after reviewing my credit profile I noticed an erroneous creditor ( XXXX XXXX XXXX XXXX jeopardizing the integrity of my credit profile, by law if the FCRA I have the right as a consumer to challenge any information thats does no appear to be accurate so I sent in a letter via asking that this information pleased be removed from my credit profile I sent the letter to XXXX XXXX XXXX XXXX, SC XXXX, after about 30 days XXXX XXXX to be exact I received correspondence and received confirmation from XXXX XXXX Bank stating this account will be removed, which was the resolution I had asked for, everything was good up until around 45 dats after the removal I seen a new account added back to my credit profile with a different Creditors name I challenge them and asked why was this information I just challenged recently in the past and had removed back placed on my credit report, they stated they now manages the old Creditors account under a new business name so when I challenged this issue with them they told me they will no longer reinvestigate and that the collection will remain on my credit report which is very unfortunate considering it only appears on XXXX of my credit reports which cant be 100 % accurate an as a Consumer that put me and my credit at great jeopardy. I have been going back and fourth with this creditor that I have no acknowledgment of and its not getting nowhere. I have invested time and money into this battle I have proof of USPS receipts, Im asking that you please remove this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized Collection Systems, Inc.
State: MO

Complaint narrative:
To whom this may concern, After checking my credit report I found a error of a medical bill collection, after discovering Hippa Law was being violated I had to write for help, I contact the collection agency and they send me a letter of verification but it was a letter of the procedures I had done the letter clearly stated they type of XXXX I had and how much it cost that is clearly a violation plus the original creditor is XXXX XXXX XXXX they was suppose to abbreviate XXXX  so they released too much of my medical information doing so, so may I please get help with this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Exeter Finance, LLC.
State: OH

Complaint narrative:
XX/XX/XXXX, I Reached out to the Main CRAs requesting a updated copy of my credit report, upon reviewing I noticed that a auto loan ( EXETER FINANCE ) was erroneous reporting inaccurate information on my profile putting me as a consumer at great risk and jeopardizing the integrity of my credit, so I decided to challenge the inaccuracy Exeter Finance put on my credit profile, as a consumer which I have the right to take any action I feel is necessary to make sure everything on my credit is as it appears 100 % accurate, well while doing so I stumbled across some information that was reported in accurate so I reached out to the 3 credit bureaus asking can this issue get a further investigation unfortunately only response I received from the credit bureaus was that the information was verified accurate which in fact is false I know this for a fact because I have via certified letters from the direct furnisher to support my allegations, so I found what the credit report reported was not only invalided but by law I believe they have violated the FCRA laws with what they have allowed to be reported as accurate unfortunately. Not only did they say back in XX/XX/XXXX they had the vehicle in there possession which was being auctioned off at one of there facilities but also the opening bid will open at {$7200.00} how is that so when XXXX XXXX when I reached out regarding this account they say the balance is still {$28000.00} thats contradicting not only for EXETER FINANCE BUT ALSO FOR XXXX, XXXX, XXXX with what they have allowed to be reported in the first place while being non compliant, I have invested time, energy and money into getting justice for this battle between us I believe also that this account is out of the statue of limitations, Im asking that you remove this account off of my credit report Expeditiously once removed please send me confirmation via letter of removal Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found an inquiry on my current credit report that I did not authorize and have no knowledge of submitting. 

Creditor Name : XXXX Type of Business : Not Listed Date of inquiry : XX/XX/2022 Credit Bureau : Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX keeps removing and reapplying accounts to my credit report in violation of the FCRA. I have NO LEGAL CONTRACT with XXXX XXXX and I owe them no debt. They have also not provided full validation as requested. Remove this from my Equifax and XXXX reports immediately. Account numbers are XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account # : XXXX Account # : XXXX These accounts have been determined that they do not belong to me yet you still continue to report this inaccurate information to my consumer report.These accounts do not belong to me. The name these accounts are addressed to is not my name. This fact alone is enough for above mentioned accounts to be deleted, but they are more inaccuracies found. I called TRANSUNION rep, and asked for fraud department. After being transferred, I was told I have to send in a picture ID and bill even though rep located both mentioned items in their agency 's database. I was told I have to resend my ID and bill no matter what. TransUnion has been put on notice that my report contains inaccuracies multiple times in writing by me, a consumer. On XX/XX/2022 I sent a notice via USPS certified mail demanding deletions of above mentioned accounts. Enclosed is a copy of my California state issued ID, and a copy of a bill statement to establish my accurate residency. Also enclosed is my consumer reports where I point out that the fact that XXXX is furnishing inaccurate information from debtor name CHILD SUPPORT ENFORCEM to my consumer report under Account # : XXXX. While the debtors name TRANSUNION LLC is furnishing to my consumer report is under XXXX XXXX ( Account # : XXXX ). XXXX recently deleted the account named under XXXX XXXX XXXX., Account # : XXXX. 
TRANSUNION LLC refuses to update my personal information even after providing them my California state issued ID and a bill statement containing my up to date address. 

TRANSUNION is unlawfully furnishing Account # : XXXX DEPT OF EDXXXX, and is the only CRA reporting this inaccurate information.XXXX  and XXXX has deleted DEPT OF ED/XXXX item from my consumer report. TRANSUNION has been made aware many times in writing by me, a consumer, about the FCRA laws they are violating and the agency chooses to ignore the law. See attachments. 
These accounts are not assigned to my name making my consumer report inaccurate. If by some chance this alleged debt belongs to me, which I highly doubt it!!, XXXX has never produced items pursuant to 15 USC 1692g ( b ), which I requested multiple times. 

I am making complaints with the CFPB, FTC, XXXX, CA and PA state attorneys general and my consumer lawyer has been cc 'd in the most recent notice sent to your agency.

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 2022-03-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I visited multiple XXXX XXXX locations trying to close my account. Each location responded differently to my request but they never said I owed any amount of money. I did not know I had a charge-off of a merely {$3.00} until it showed up on my credit. I contacted XXXX  multiple times as well to verify the charge-off but never received a response. This negative listing and inaccurate reporting on my credit reports is causing me much emotional and financial stress that is interfering with my personal and business life. The account is showing unknown reports on the credit reports, which proves several FRCA violations. I am requesting that this account be permanently removed from each of the bureaus as it has false and inaccurate information with a charge-off of a small {$3.00}. Please help me resolve and remedy my credit from these violations. I have contacted the XXXX. Attorney General 's Office, and the CFPB.

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 2022-03-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You are in violation! You broke the law!! I have enclosed all documents which includes ( Previous CFPB Complaint, Copy of Driver License, Identity Theft Report, Statement, & instructions ). PLEASE SEE ATTACHMENTS

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 2022-03-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Yes, CFPB I am filing this complaint for myself. I know that you all are good at trying to use a stall tactic thinking a consumer has had a third-party company help them with their complaint. But Naw I know my rights and have read about the laws sorry that I have common sense to help myself with such matter. On XX/XX/2022, I submitted a letter to TransUnion and proof of the inaccuracies on my credit report and have yet to hear anything from them. I have seen on the credit monitoring service that I used that all they did was change one month of a late payment to another. I want them to provide me proof of who they verified this account with and what method was used. I have made Transunion aware on numerous occasions that I do not consent to e-Oscar or any other type of automated methods. Today is XXXX XXXX and nothing. Sometimes they would e-mail something regarding their dispute or sometimes by mail I guess it's however they feel on whatever day. TransUnion has violated my rights as a consumer to verify my account with honesty and they have failed to do so. This account has several violations and inaccuracies, and the proof is going to be added with this complaint for deletions due to FDCPA Section 807 Violation Misleading False Reporting and also not being in compliance with METRO 2. I need this account to be deleted immediately.

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX keeps removing and reapplying accounts to my credit report in violation of the FCRA. I have NO LEGAL CONTRACT with XXXX XXXX and I owe them no debt. They have also not provided full validation as requested. Remove this from my XXXX and Experian reports immediately. Account numbers are XXXX and 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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found an inquiry on my current credit report that I did not authorize and have no knowledge of submitting. 

Creditor Name : XXXX XXXX XXXX Type of Business : Not Listed Date of inquiry : XX/XX/2022 Credit Bureau : Equifax Address : Not Listed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a XXXX XXXX along with Police Report and EXPERIAN will not block or remove claiming that the debt is valid when it is because of identity theft. I also included my lawyers information they allowed the debt to remain based on NON-FACTUAL misquoting of section 605b of the FCRA and refuse to investigate. Therefor allowing inaccurate information to remain which has caused me a position in a major corporation due to the credit file being inaccurate. 

They claim which is not true : The request to block information was based on a material misrepresentation You have agreed in writing that the information was blocked in error You knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. 
If you still believe the item is the result of identity theft, you may provide us a dispute statement of up to 100 words for us to include in your 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 2022-03-08 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: MD

Complaint narrative:
I have OLD accounts that has been closed for more than 7 years on all 3 of my credit reports XXXX, TransUnion and XXXX. There are still accounts open that suppose to be closed. I have reached out to all 3 credit reporting agencies filing disputes. I dont understand why after 7 years these accounts are still on my reports. I dont understand why accounts the closed isnt closed! According to the Fair Credit Reporting Act, old accounts that are more than 7years should be removed from a consumer credit report. I have closed accounts on my credit reposts that is 7-11years old, why??

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I have sent XXXX, XXXX, And Experian my identity theft Claim. They are furnishing student loans on my reports that are identity theft and i also never given written permission for these accounts to be furnished on my report pursuant to 15 USC 1681b ( a ) ( 2 ). THIS IS IDENTITY THEFT AND EXPERIAN, XXXX XXXX XXXX HAVE BROKE THE LAW This isnt fair to me and i am losing faith in the system and if these companies want to continue doing business with me, Then they need to remove these accounts off my report. 

I am attaching my identity theft report and my letters that were sent.

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 2022-03-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
To whom it may concern, Please be advised that I have made several attempts in correcting the information that has been incorrectly updated and inaccurately reporting to XXXX, XXXX and XXXX XXXX. I have submitted all information from Ally in regard to the release of rights and ownership of the vehicle that is being reported as an open account and it is stating that I have been making on time payments for a vehicle and lease I no longer have or own. Ally themselves have sent a letter regarding the release of ownership from me and I have attached it to this information I am providing ( sent to me XX/XX/2022 ). XXXX XXXX, XXXX and XXXX reports as though I have had the vehicle with on time payments for over 3 years after having had returned the vehicle ( Documents are attached to support ). I have sent a letter to XXXX XXXX and XXXX XXXX that was received no later than XX/XX/XXXX by certified mail ( documents are attached with specific dates received individually for each as well as copies of the letter that was sent ). XXXX XXXX and XXXX have responded although I have yet to receive any information back from XXXX in regard to deleting my account with Ally from their reporting ( documents are attached to support ). XXXX, XXXX and XXXX XXXX have allowed Ally to report consistently and incorrectly my information and have done nothing regarding the fact that they still have this information still being reported inaccurately. This again was the second time for Ally to correct changes and only to report it inaccurately yet again. It is my right to have an accurate credit file and errors like this are detrimental to my well being. It is in direct violations of my rights according to 15 USC 1666 and I am looking to execute FCRA section 611 for the inaccuracy of the disputed information and looking to have all record with any reporting from Ally removed immediately.

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 2022-03-08 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX taking more than 30days to reply to misreporting on a late payment that was removed by my creditors American Express and deemed on time. Contacted American Express and they mentioned only XXXX can take it off. Disputed it twice and no response or deletion. XXXX said I had to reach out to American Express. Enrolled in financial relief program and had late payments incorrectly still reported as late. Never missed a payment when enrolled and program and yet still received late payments on credit report. Please delete this false reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
i was scammed a few months ago. i was contacted by someone who also fell victim to the same group saying they were in contact with a private investigator claiming they could get my money back. i had stopped the " project '' when i realised what was happening but he got access to my personal and bank information ( most likely from the black market on the internet ) and applied for two loans : one for {$5000.00} with XXXX  and another for about {$3500.00} with bestegg. i have contacted bestegg about the matter and disputed the account on all credit reports but bestegg has said that the account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You are in violation! You broke the law!! I have enclosed all documents which includes ( Previous CFPB Complaint, Copy of Driver License, Identity Theft Report, Statement, & instructions ). PLEASE SEE ATTACHMENTS

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have filed a FTC report and Equifax has failed to rectify and delete the fraud items from my report.

Company response to consumer: Closed with explanation