vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-30 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: PLANET HOME LENDING, LLC
State: WA

Complaint narrative:
My credit report with XXXX incorrectly shows I missed XXXX mortgage payments after my XXXX XXXXXXXX repayment plan completed. I contacted Planet Home Lending and they acknowledged the mistake. XXXX was updated and now shows the correct payment history. XXXX still shows XXXX missed payments. I have filed multiple disputes with XXXX and they have refused to correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: WA

Complaint narrative:
I would like to know how Experian already did their investigation results verified it as accurate and the dispute was verified as accurate when with XXXX XXXX XXXX XXXX  final number XXXX XXXX XXXX XXXX XXXX XXXX XXXX hasn't even got back to the attorney general that I filed a complaint file number XXXX Experian verified XXXX XXXX  as accurate but XXXX XXXX  hasn't got to the attorney general or 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 explanation
Consumer complaint received 2023-09-30 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: CO

Complaint narrative:
This has been collected 2x from me by garnishment. I was never served. This shouldve been only 1 debt

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 2023-09-30 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance : {$420.00}

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 non-monetary relief
Consumer complaint received 2023-09-30 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX, XXXX : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  AN XXXX COMPANY ) : 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-09-30 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX, XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX  ) : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX AN XXXX COMPANY ) : 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, I filed for Bankruptcy on XX/XX/2023. Im receiving harassment letters from Exeter Finance LLC. Im requesting this company to cease & stop contacting me about a debt I dont owe. Im in pre litigation with XXXX. In the court case or arbitration meeting all matters will be resolved and addressed by my attorney. An automatic stay has been ordered by the petition filing of my bankruptcy. If Exeter Finance LLC continues to contact me I will file harassment charges and a lawsuit against this company. Im not 100 % sure of the contract I signed with Exeter Finance LLC because my signature has been forged on the retail purchase agreement. I have talked with new legal counsel and I will be adding new legal counsel to start the lawsuit and arbitration process against XXXX and Exeter Finance LLC for breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: MA

Complaint narrative:
I am writing to file a formal complaint against Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I initiated contact with Equifax concerning the following erroneous information on my credit report. As of the present date, I have not received any response from them. I hereby provide the details of the inaccurate information and the necessary corrections required : Inaccurate Account Details : Account Type : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Original Creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Climb Credit Inc.
State: NY

Complaint narrative:
There is 2 diffrent school and issues are similar, in 2021 XXXX i started cource with " XXXX XXXX " XXXX XXXX XXXX XXXX but for some reason i have to dis continue and end of paying full amount what they asked, but in tthe mean while one of the sales represantative reach out to me and i purchased another cource from him and he promised that he is going to refund for previous course which " XXXX XXXX XXXX XXXX '' later on they provide me a documents that they refunded full amount but climb bank ( student loan servicer satate that they didn't receive any amount, and they are charging me evry month. 
so i need a help with this, when i call the bank they are keep saying your school need to reach out to us, and when i talk to school they state i have to deal with the bank, so far i need a help with my refund and wants to know who is right and who is wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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 hope this letter finds you well. I am writing to file a formal complaint regarding the persistent reporting of late open accounts on my credit report, which is maintained by 3 Credit Bureaus. Despite repeated attempts to correct this inaccuracy, these late open accounts continue to adversely impact my credit history and financial standing.

I have diligently followed the necessary procedures to dispute these inaccuracies with your bureau and have provided all required documentation to support the veracity of my claims. However, to my frustration, these late open accounts persist on my credit report, causing me undue hardship. 

I have taken the following steps in an effort to address this issue : I have contacted the creditors associated with these late open accounts to dispute the inaccuracies and request their removal from my credit report. Unfortunately, my efforts have not resulted in a correction. 

I have submitted written disputes through your bureau, attaching all relevant documentation to substantiate the inaccuracy of these late open accounts. 
The presence of these late open accounts on my credit report has a detrimental effect on my credit score and financial opportunities. It is imperative that this matter is resolved promptly to ensure the accuracy and fairness of my credit report.

I kindly request the following actions to address this issue : Conduct a thorough investigation into the late open accounts erroneously reported on my credit file, verifying their accuracy and timeliness.

Coordinate with the relevant creditors to correct this error by promptly updating my credit file to accurately reflect the opening dates of these accounts. 

Provide me with written confirmation of the correction within the exact timeframe from the date of this letter. 

Implement enhanced quality control measures to prevent the recurrence of such errors in the future, ensuring the accuracy of credit reporting. 

I understand the critical importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. 

I request a response to this letter within the exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. I am asking for your assistance to correct the following late open accounts 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 2023-09-30 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: SC

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$570.00} 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XX/XX/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 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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  Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$570.00} 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 ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: ND

Complaint narrative:
I am writing to file a formal complaint against Cavalry SPV I , LLC a debt collector that has been engaged in troubling and unlawful practices in their attempts to collect an alleged debt in the sum of {$2100.00} from me. I have experienced multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), and I believe it is crucial to bring these issues to your attention. 

1. Lack of Validation : I have sent them several validation of debt letters requesting them to validate the debt but Cavalry SPV I , LLC has failed to provide me with proper validation of the debt as required by the FDCPA. Despite my numerous requests, they have not provided any documentation or evidence that validates the existence and legitimacy of the alleged debt. Instead, they have repeatedly sent account statements without supporting documentation. The balance of the debt is incorrect.

2. Absence of Original Documentation : I have specifically requested that Cavalry SPV I , LLC provide me with the original contract or agreement containing my signature, which is essential for me to assess the accuracy and validity of the debt. They have refused to furnish this documentation.

3. Threats of Legal Action : Cavalry SPV I , LLC has also made threats of legal action against me, including the threat of filing a lawsuit, without first providing the necessary validation of the debt or the required documentation.

These actions by Cavalry SPV I , LLC not only constitute violations of the FDCPA but also create undue stress and XXXX  for me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: NM

Complaint narrative:
I have been calling and sent letters to XXXX to remove ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They are not listening. 
Under this law 15 USC1681b ( a ) ( 2 ). It states everyone needs my consent to report anything to my consumers report. Which I never did.

15 USC 6802 ( b ) ( 1 ) Obligations with respect to disclosures of personal information they must have given me a disclosure prior to reporting my information and I couldve opt out from the companies reporting my info. Which I never did get.

.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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: WA

Complaint narrative:
I would like to know how XXXX already did their investigation results verified it as accurate and the dispute was verified as accurate when with XXXX XXXX XXXX XXXX  final number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hasn't even got back to the attorney general that I filed a complaint file number XXXX XXXX verified XXXX XXXX as accurate but XXXX XXXX hasn't got to the attorney general or 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 2023-09-30 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: FL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 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 2023-09-30 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: WA

Complaint narrative:
My credit report with Transunion incorrectly shows I missed four mortgage payments after my Chapter XXXX repayment plan completed. I contacted XXXX XXXX XXXX and they acknowledged the mistake. XXXX was updated and now shows the correct payment history. Transunion still shows four missed payments. I have filed multiple disputes with Transunion and they have refused to correct the error.

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