vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payment before the due date. The payment was processed late due to a clerical error on the part of the creditor, which is documented in the enclosed bank statements and payment confirmations. 
XXXX XXXX : There appears to have been a system delay with the creditor processing my payment, which should not have resulted in a late payment being reported. 
Evidence Provided : I have attached payment confirmations and bank statements as evidence showing that the payment was made within the required time frame, and it was processed late due to an internal delay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one charged my account off during an insurance investigation. The car wasn't in my possession from XX/XX/XXXX thru XXXX of XXXX. The car was in the inpound lot from XXXX til i believe XXXX. the insurance company then paid the impound lot to release the vehicle to have it towed to buttons automotive to get the wheel repair. Then it was a search for a body shop but evrybody was so backed up with cars and trying to get parts. Then in XXXX the car was taken to XXXXXXXX XXXX in XXXX ohio. They advised me that parts were on back order for a few months. So from XX/XX/XXXX the XXXX sat at XXXX XXXX. The body shop called in XXXX and said the XXXX was done but was still waiting on a few more parts but would just call me to bring it back in. I had previously talked back and forth with XXXX XXXX in regards to a settlement offer. The first offer was XXXX and if i wanted to keep the car i had to pay about XXXX a month. the second offer in XXXX was the XXXX. I had to pay a XXXX deductible to release car from crash champions. i then called capital one that same day about the settemet and XXXX XXXX said I would have to pay a XXXX paymet to accept the settlement and XXXX a month to keep the vehicle. I told them that payment amount was ridiclous after not having my vehicle for XXXX months,. So I sold the vehicle to XXXX they bought it and paid the XXXX settlement. Now I don't have a car and I can't purchase another vehicle because the banks are looking at the account as a repo. Capital one did not give me nor the insurance company any remedy during this process to keep, XXXX in good standing. I gave them the ok to pick the vehicle up from the impound lot if they couldn't wait for the insurance investigation. They told me the account wasn't delinquent and then no because the vehicle wasn't in my possession.So i felt like i wasted my insurance claim paying for a vehicle that i couldnt even keep. My insurance comapany spent all thta time and money for nothing that serve a purpose to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: TN

Complaint narrative:
I am writing to formally dispute serious inaccuracies regarding my accounts with the following companies that are reported on my Transunion, XXXX, and XXXX reports : XXXX with XXXX XXXX XXXX XXXX ; XXXX with XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX with XXXX XXXX XXXX ; XXXX with XXXX XXXX XXXX ; XXXX with XXXX XXXX XXXX XXXXXXXX with XXXX XXXX ; XXXX with XXXX XXXX XXXX and XXXX with XXXX XXXX XXXX 
This matter is not just an inconvenience ; it is an outright misrepresentation that demands immediate attention. 
Despite my previous communications on XX/XX/year> and XX/XX/year>, there has been no resolution to the discrepancies I highlighted. The lack of response from all XXXX credit bureaus and actions on their part is unacceptable, and I expect a prompt and thorough investigation. 
Details of the Dispute : Nature of the Dispute : According to the FCRA laws sections 605b ( a ) and 15 USC 1681 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. I have the right to privacy please send proof of my written consent that I authorized you to report or obtain my information or remove my account. 
Supporting Documentation : I have enclosed my FTC Report with Ref number XXXX ; ID ; and bank statement as proof of my identity. 
I expect this matter to be resolved within 5 business days from the date of this letter. If I do not receive a satisfactory response, I will escalate this issue further, which may include filing complaints with consumer protection agencies and considering legal action. 
Your prompt attention to this matter is not just expected ; it is required. I look forward to your immediate response.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-05 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 recently reviewed my credit report and noticed I was a victim of identity theft. There were several accounts opened fraudulently on my credit report. Please remove these fraudulent accounts from my report. 
I have included documents to confirm my identity. Federal law allows me to dispute inaccurate information on my credit report. 
Please block and remove all information resulting from identity theft pursuant to FCRA 605b ( 15 u.s.c. 1681c-2 ) which states that these accounts must be removed in XXXX business days of receipt. Thank you in advance and I appreciate your prompt attention on this matter. I await your reply.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In [ month/year ], XXXX XXXX reported a charge-off on my account, with a balance of $ [ amount ] written off. This action was reflected in my credit report, and the charge-off status has been negatively impacting my credit score. Despite the account being charged off and written off as a loss, XXXX XXXX has not provided me with the required IRS Form 1099-C to document the cancellation of debt, as required under the Internal Revenue Code ( 26 U.S.C. 6050P ) when {$600.00} or more of debt is forgiven or canceled. 

I reached out to XXXX XXXX to request the 1099-C form, but they have failed to respond or provide the necessary documentation. I believe they are in violation of IRS regulations by not issuing the form, and this is preventing me from properly addressing this matter in my tax filings. XXXX Additionally, Equifax has continued to report wrongful and inaccurate information on my credit report without my consent. This has caused further damage to my credit score and is a violation of the Fair Credit Reporting Act ( FCRA ). I have not authorized Equifax to report this incorrect information, and they have failed to investigate and remove the erroneous data despite my attempts to dispute itXXXX XXXX  I respectfully request that XXXX XXXX issue the IRS Form 1099-C as required for the charged-off debt so that I can accurately report any forgiven debt on my tax return. I also request that Equifax immediately cease reporting incorrect information on my credit report and remove the inaccurate data related to this charge-off. This matter should be resolved in accordance with both IRS guidelines and the FCRA XXXX XXXX XXXX XXXX XXXX XXXX REMOVE ASAPXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: IA

Complaint narrative:
I cashed a check with the agency, and it was a check from my bank which was cashed agency then said i certified for repayment when that's my check they said insufficient funds i said no its not i received my funds and my bank said check was cashed and good check into cash in XXXX XXXX  soon called me about this matter in XX/XX/XXXX when i cashed my check with them in XX/XX/year> they issued out a warrant saying it's a bad check when it's not false accusations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: NJ

Complaint narrative:
Received a claim for unpaid debt - sent a debt validation request certified return receipt through USPS - company has refused to validate the debt - they did not validate or provide original creditor verification why I am required to pay- to identify if there was an insurance claim against this supposed debt - copy of last billing - how they came to this amount and to prove they are legally able to claim this supposed debt - I can supply the letter I sent as well as the USPS receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zebit, Inc.
State: VA

Complaint narrative:
XXXX XXXX  first contacted me about a month ago regarding a debt owed to a company called Zebit from XXXX to XX/XX/XXXX. They claim to be a debt collector and have provided me with no proof that they own or were sold the debt or evidence that I consented to Zebit to provide them with my information. I know for a fact that they do not own the debt as the debt does not exist for the following reasons. 

I purchased a XXXX '' XXXX XXXX from Zebit on what was basically a lease to own basis. When I received the product it did not work, and after about thirty days of attempting to exchange the product or have it refunded, the company refunded what I had paid to that point and advised that I could " recycle it at your discretion ''. 

Zebit attempted to contact me once again in XXXX and I had to remind them that they cancelled the order and refunded me, and now we are having this issue again. The email communication that I received today stated that " XXXX XXXX-Zebit, LLC '' would be added as a collection account to my credit report in 26 days. I would also like to point this out as further proof that the debt collector has no authority to collect the debt. 

I have attached the email correspondence from XXXX to this complaint in both a text file that is mostly in order as well as the original emails from the company. 

For reference XXXX XXXX XXXXI Reference Number : XXXX Zebit Account : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my 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 2024-10-05 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act convergent Account name XXXX, account # 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.

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 2024-10-05 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act convergent Account name XXXX, account # 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report I was shocked to l have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me.This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible

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 2024-10-05 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report I was shocked to l have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me.This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was recently denied life insurance due to a 2017 Bankruptcy being reported on by Experian on my credit report. I contacted Experian regarding this misinformation and was told that it was verified through XXXX. This is absolutely not true. I have a XXXX consumer report and it is clear that there is NO bankruptcy being reported on this report. I have submitted a copy for your records. 

This information is inaccurate and causing me to loose needed coverage.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  Want both accounts removed from credit bureau ask for validation of both debts nothing was received and neither account was removed. 

XXXX XXXX on credit bureau with 2 different accounts Ive disputed both accounts requested validation of the debt never received XXXX still havent removed debt from credit bureau. 
XXXX

Company response to consumer: Closed with explanation