vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXXXXXX XXXX XXXXXXXX Balance : {$76000.00} XXXX XXXX XXXX Balance : {$89000.00}

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against. XXXX Credit Bureau, Transunion Credit Bureau and XXXX XXXX XXXX. for their failure to correct and update my personal information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). 

On [ XXXXXXXX  ], I submitted a formal request to. XXXX XXXX, Transunion Credit Bureau and XXXX XXXX XXXX. asking for updates to my personal information. I provided all necessary documents to verify my identity, including : [ A copy of a government-issued ID ( drivers license, passport, social security. ] [ A recent proof of address, bank statement. 

However, to date, some of my personal details remain incorrect or incomplete.

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 2025-01-07 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
On XX/XX/year>, I received an envelope in the mail from Scott and Associates containing what appeared to be court documents titled Judgment Creditors First Set of Written XXXX XXXX XXXX  of Enforcement of Judgment. Upon reviewing the documents, I noticed several irregularities : XXXX. I was never served with any paperwork related to a lawsuit or judgment. 
2. The case number listed on the documents does not exist in my countys court records.

3. I contacted the county clerks office on the morning of XXXX of XXXX and after a thorough search, they confirmed that no such case has been filed under my name or the case number provided in the documents. 

On XX/XX/year>, I received a certified mail package, again from Scott and Associates, containing the same documents. Despite the package being sent via certified mail, I nor my roommate sign for or accept it, yet the sender proceeded to send the same falsified documentation.

The documents and actions by Scott and Associates appear to be an attempt to intimidate me into providing personal and financial information or making a payment toward a debt I do not owe. This behavior raises serious concerns about potential fraudulent activity and abuse of the debt collection process. 

This situation involves potentially fraudulent legal documents designed to coerce me into compliance with a non-existent or fraudulent debt collection effort. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive and misleading practices by debt collectors. Additionally, attempting to enforce a judgment without a legitimate case is a serious legal violation. 

I am filing this complaint because I believe Scott and Associates is engaging in deceptive, unfair, and potentially fraudulent practices by sending falsified legal documents to collect a debt that appears to be either fabricated or invalid. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to prevent further harm to myself and others who may be targeted by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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 am filing this complaint against Experian for their continued failure to remove fraudulent accounts and inaccurate personal information from my credit report, despite multiple disputes and submission of proper documentation. Experian has ignored my repeated requests, sent stall letters with baseless claims, and refused to take appropriate action, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

The following fraudulent accounts, resulting from identity theft, remain on my credit report : XXXX XXXX, XXXX. Account Number : XXXX XXXX CARD Account Number : XXXX Additionally, the fraudulent addresses associated with these accounts that remain on my report are : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have submitted all required documentation, including government-issued identification, to prove that these accounts and addresses are fraudulent. Despite this, Experian has sent stall letters claiming : That my disputes were in error. 
That the disputes were not made by me. 
That the accounts and addresses could not be blocked or removed. 
XXXX refusal to investigate properly, along with their failure to notify or resolve these disputes, violates several provisions of the FCRA, including : FCRA Section 611, which requires credit reporting agencies to conduct thorough and reasonable investigations of disputes and remove unverifiable or inaccurate information.

FCRA Section 605B, which mandates the blocking of information resulting from identity theft upon receipt of proper documentation. 
Their failure to act has caused significant harm to my creditworthiness, delayed my ability to resolve identity theft issues, and created undue financial and emotional distress.

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 2025-01-07 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 am filing this complaint against Experian for their continued failure to remove fraudulent accounts and inaccurate personal information from my credit report, despite multiple disputes and submission of proper documentation. Experian has ignored my repeated requests, sent stall letters with baseless claims, and refused to take appropriate action, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

The following fraudulent accounts, resulting from identity theft, remain on my credit report : XXXX XXXX, XXXX. Account Number : XXXX XXXX XXXX  Account Number : XXXX Additionally, the fraudulent addresses associated with these accounts that remain on my report are : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX have submitted all required documentation, including government-issued identification, to prove that these accounts and addresses are fraudulent. Despite this, Experian has sent stall letters claiming : That my disputes were in error. 
That the disputes were not made by me. 
That the accounts and addresses could not be blocked or removed. 
XXXX refusal to investigate properly, along with their failure to notify or resolve these disputes, violates several provisions of the FCRA, including : FCRA Section 611, which requires credit reporting agencies to conduct thorough and reasonable investigations of disputes and remove unverifiable or inaccurate information.

FCRA Section 605B, which mandates the blocking of information resulting from identity theft upon receipt of proper documentation.

Their failure to act has caused significant harm to my creditworthiness, delayed my ability to resolve identity theft issues, and created undue financial and emotional distress.

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 2025-01-07 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Embassy Loans
State: FL

Complaint narrative:
ON XX/XX/year>XXXX  I applied for a loan with embassy loans. SHORTLY AFTER MY VEHICLE GOT REPOSSESSED BECAUSE OF LATE PAYMENT. WHEN I TRIED TO PAY IT THE WOMAN I TALKED TO GAVE ME AN OVER PRICE AMOUNT TO RECEIVE MY VEHICLE BACK. I BELIEVED SHE WANTED ME TO PAY 3 months ahead for a 1 month late payment. And I didnt have that amount so I had no choice but to allow them to keep the car. But looking at my Credit Report they still have my account open and still reporting 1 year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
I have repeatedly submitted a request to correct the inaccurate address listed in my XXXX report, providing supporting documentation, including a copy of my driver 's license showing my current address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX 's response, citing security protocols, requires and i need to contact their dispute specialists using Report # XXXX instead of processing my dispute online or advise me there are unable to remove address or explain why. All other addresses, specifically XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX must be removed from my credit report as I no longer reside at those locations, and they are not relevant. I'm am also part of a data breach with XXXX as well. 

Your assistance in resolving this matter is requested.

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 2025-01-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Synchrony bank, as usual, did not put the money as requested. Then, it did not give me the additional interest as synchrony bank put the money today ( XXXX ) instead of XXXX ; I am loosing XXXX cents. Therefore, synchrony bank MUST immediately give me additional XXXX cents to account.

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 2025-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
I am writing to dispute the account listed under Hunter Warfield for {$460.00} on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair reporting. This debt is not my responsibility, and the continued reporting of this account violates my rights. 

I request that you investigate this matter and remove the inaccurate information from my credit report immediately. Please confirm receipt of this message and provide updates on your resolution process. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NV

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX   To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: NC

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: VA

Complaint narrative:
I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate reinvestigation of the item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each individual whom you verified and validated the above information w/ so that I may follow up accordingly. Additionally please send me a uodated copy of my credit report after completing your investigation. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: NJ

Complaint narrative:
I have reported being a victim of identity theft. You are obligated to remove any accounts opened without my knowledge, consent, or authorization within four business days after receiving the following : ( 1 ) valid proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) a detailed identification of the fraudulent information, and ( 4 ) a statement from me affirming that the information does not pertain to any transaction I authorized or conducted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I purchased a new 2024 XXXX XXXX in XX/XX/year> to address a critical need for personal transportation for myself and my children. At the time, we were in a desperate situation that required reliable transportation. My auto loan payment is {$750.00}, with an APR of 24 %. 

Due to unforeseen circumstances, I fell behind on my payments from XXXX to XXXX. During this time, I requested to have my late payments deferred to the back end of the loan. I worked diligently to catch up, and by XXXX, I was able to get back on track. 

Starting in XXXX, I set up a financial allotment of {$800.00} for my monthly payments. Since then, I have consistently made payments on time and in full. My XXXX and XXXX statements do not reflect any past-due amounts, further confirming that I have remained current. My payments are due on the XXXX of each month, and I have not missed or been late with a single payment. Also, my starting cost for the car was {$28000.00} in XXXX. And as of todays date XX/XX/year> XXXX I owe {$28000.00}. Is this considered preportory lending I am attaching my XXXX and XXXX statements for your review as evidence of my on-time payments.

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 2025-01-07 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief