vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Transunion XXXX XXXX requested me to pay {$45.00} to run a 7 year background check, credit history, and eviction report. Within about XXXX hours they reported several false reports about me that had already been corrected and addressed in the past. This caused me to lose money, and a lease to relocate. They reported XXXX case in Arizona that was dispositioned in Pennsylvania in XXXX and another that was dispositioned in XXXX. Additionally, they did not update my credit reporting for making on-time payments to XXXX XXXX and they shortened my XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of this personally impacted my score and denial.

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 2024-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
navy federal, denied me credit for a loan when im always in good standings plus XXXX XXXX XXXX XXXX ran my credit as well i need those inquires removed time frame was XXXX of XXXX till now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: OK

Complaint narrative:
I am writing to request the removal of unauthorized fraudulent credit inquiries on my XXXX credit report. My latest credit report shows number of hard inquiries i am disputing credit inquiries that I did not authorize I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XX/XX/XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to dispute the first progress account starting in XXXX late payments of XXXX XXXX and XX/XX/year> on my credit report. These late payments violate FCRA section XXXX, which prohibits the reporting of transactions. I learned the law. Reporting transactions is illegal. I do not want to sue but I enforce the credit bureau to correct my 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 non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to dispute the first progress account starting in XXXX late payments of XXXX XXXX and XX/XX/year> on my credit report. These late payments violate FCRA section XXXX, which prohibits the reporting of transactions. I learned the law. Reporting transactions is illegal. I do not want to sue but I enforce the credit bureau to correct my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: SC

Complaint narrative:
I am writing to dispute the first progress account starting in XXXX late payments of XXXX XXXX and XX/XX/2023 on my credit report. These late payments violate FCRA section 1681a, which prohibits the reporting of transactions. I learned the law. Reporting transactions is illegal. I do not want to sue but I enforce the credit bureau to correct my 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 2024-09-22 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: MD

Complaint narrative:
Im announcing that I will be filing federal lawsuit against XXXX  XXXX XXXX  and XXXX XXXX XXXXYou are violating my federal consumer rights.You are violating Title 15 USC 1692gIm creating a paper trial for my federal lawsuit.Which I will be filling aganist XXXX XXXX XXXX.I will also file complaints with financial agency which licensed them to be a bank I asked for the original credit card agreement with terms and conditionsIm asking for statement history for the history of the account.I want all the statements for the history of the account.Since they dont want release it.I will file a lawsuit ask for legal discovery get a subpoena.Then subpoena documents and names of people.Who are handling the disputes to court.I will also subpoena the CEO of XXXX  XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX .So they can hear the caseXXXX XXXX and XXXX XXXX XXXX XXXX XXXXSo they can hear the cardsIm not joking Im going to get what I want and needYou cant do what you want to people

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 2024-09-22 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: MD

Complaint narrative:
Im announcing that I will be filing federal lawsuit against first XXXXXXXX XXXX and XXXX XXXX XXXX.You are violating my federal consumer rights.You are violating Title 15 USC 1692gIm creating a paper trial for my federal lawsuit.Which I will be filling aganist XXXX XXXX XXXX.I will also file complaints with financial agency which licensed them to be a bank I asked for the original credit card agreement with terms and conditionsIm asking for statement history for the history of the account.I want all the statements for the history of the account.Since they dont want release it.I will file a lawsuit ask for legal discovery get a subpoena.Then subpoena documents and names of people.Who are handling the disputes to court.I will also subpoena the CEO of XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX .So they can hear the caseXXXX XXXX and XXXX XXXX XXXX to courtSo they can hear the cardsIm not joking Im going to get what I want and needYou cant do what you want to people

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: MD

Complaint narrative:
Im announcing that I will be filing federal lawsuit against XXXX  XXXX XXXX  and XXXX XXXX XXXX are violating my federal consumer rights.You are violating Title 15 USC 1692gIm creating a paper trial for my federal lawsuit.Which I will be filling aganist XXXX XXXX XXXX.I will also file complaints with financial agency which licensed them to be a bank I asked for the original credit card agreement with terms and conditionsIm asking for statement history for the history of the account.I want all the statements for the history of the account.Since they dont want release it.I will file a lawsuit ask for legal discovery get a subpoena.Then subpoena documents and names of people.Who are handling the disputes to court.I will also subpoena the CEO of XXXX XXXX XXXX  and XXXX XXXX XXXX to court .So they can hear the caseXXXX XXXX and XXXX XXXX XXXX to courtSo they can hear the cardsIm not joking Im going to get what I want and needYou cant do what you want to people

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 2024-09-22 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: IN

Complaint narrative:
I got a loan with XXXX XXXX  in 2021 which was paid in full never late. At some point someone other than me renewed the loan. The address, signature, employer were not mine, and I do not recognize them. They attempted to get a default judgement in a different jurisdiction with out me being aware. When I found out I got the default judgement set aside. They refilled where I actually live with a bogus contract. The signature does not even resemble mine. Im unsure if it is contract fraud or XXXX XXXX. I provided a notarized FTC XXXX XXXX  affidavit and a police report. I offered to pay stating the debt wasnt mine but Id rather pay them the {$2000.00} and change they claim I owe than pay it to an attorney and potentially have to pay them both. They explained they already had a default judgement and would make more collecting off of that. They served an employer that isnt even mine with wage garnishment paperwork. They should have had my real information from when I actually applied for a loan, but they used whatever the XXXX XXXX provided instead. The default judgement was set aside and they moved to XXXXhe county I actually reside in and they started the process of trying to get a default judgement. Incorrectly, citing trial rules that do not apply. We will go to court XX/XX/2024 to try and resolve this. At this point they are trying to collect on a debt not owed, that they have been notified was fraud. They are negatively reporting. What they are doing is abusive, and from XXXX  reports looks like a common practice. It is their responsibility to validate the debt, and report accurately. So far they have provided XXXX XXXX  on one of their contract forms that dont even come close to resembling my authentic signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX- this account is ran as a charge off but i never received any of the 1099 cancellation of debt form which makes this account inaccurate and has to be removed.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX- this account is ran as a charge off but i never received any of the 1099 cancellation of debt form which makes this account inaccurate and has to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2024-09-22 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: TN

Complaint narrative:
This account ( XXXX XXXX Account Number : XXXX was charged off on the following date : XX/XX/2023. Since then the date of last activity has been inconsistently updated. On Experian the date last active is XX/XX/2023 and on XXXX  its XX/XX/2023. If the information is coming from the original creditor the dates should be the same. We can not say that these are XXXX XXXX accurate so it is deemed INACCURATE. Please delete these accounts from my 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 2024-09-22 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: PA

Complaint narrative:
This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/year>, and in clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.

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 2024-09-23 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: NE

Complaint narrative:
Follow-Up on Complaint XXXX Violation of 15 U.S. Code 1681c-2 I am writing to follow up on my formal complaint submitted on XX/XX/2024, regarding unauthorized and inaccurate reporting on my credit report by XXXX XXXX XXXX. As outlined in 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of fraudulent information resulting from identity theft no later than 4 business days after receiving notification.

As it has now been well over 4 days since my initial notification, your failure to act within the legally required timeframe is a clear violation of the Fair Credit Reporting Act ( FCRA ). This delay has caused unnecessary harm, including : - Lower credit score : Resulting in credit denials and unfavorable financial terms.

- Emotional distress : Due to the continued presence of fraudulent information on m
y credit report.

- Financial harm : Caused by the inability to access credit under fair terms.

1. Immediate removal of the inaccurate information from my credit report, as required by law.

2. Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n to seek actual damages, statutory damages, punitive damages, and attorneys fees if necessary.

Estoppel by Silence : Your failure to act in a timely manner strengthens my case for willful noncompliance. If these items are not removed immediately, I will have no choice but to pursue legal remedies. 

I look forward to your swift resolution of this matter.

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 2024-09-22 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: TN

Complaint narrative:
This account XXXX XXXX XXXX  Account Number : XXXX  was charged off on the following date : 1XX/XX/2023. Since then the date of last activity has been inconsistently updated. On XXXX  the date last active is XX/XX/2023 and on Transunion its XX/XX/2023. If the information is coming from the original creditor the dates should be the same. We can not say that these are XXXX XXXX accurate so it is deemed INACCURATE. Please delete these accounts from my 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 non-monetary relief
Consumer complaint received 2024-09-22 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I've have ask for following information 1. My Full name ( document 2. ) Date & : Time of transaction ( 3 ) .my full signature with the date. ( 4. ) amount with the description of the charges. The account in question does not belong to me the amount been reported on my credit profile is outrageous. All my payment was made on time With no outstanding balance. The collection company fair collection & out sourcing is report fraudulent amount .I don't owe them anything.

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 2024-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX and today {$2500.00} I can't to pay a total amount but I can to pay {$70.00} per month

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
These inquiries are not authorized by me SXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax These other inquiry I only authorized 1 and they did 3 for no reason and without authorization XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: GA

Complaint narrative:
XXXX XXXX XXXX has date of birth incorrect in their record as XX/XX/year>. 

this is invalid reporting. please remove from 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 2024-09-22 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: TN

Complaint narrative:
This account ( XXXX XXXX Account Number : XXXX ) was charged off on the following date : XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On Experian the date last active is XX/XX/XXXX and on XXXX its XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say that these are XXXX  % accurate so it is deemed INACCURATE. Please delete these accounts from my 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 2024-09-22 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: NY

Complaint narrative:
The original agreement between us includes an arbitration clause that requires any dispute related to the validity of the debt or reporting to be resolved through arbitration. I demand that this matter be resolved pursuant to this clause and request that you initiate the arbitration process with [ Arbitration Provider : e.g., XXXX XXXX XXXX XXXX XXXX ) or XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX  ) ] within the timeframe specified in the agreement.

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