vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 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: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XX/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 2024-05-18 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: AR

Complaint narrative:
I am writing to express my extreme frustration and disappointment regarding the handling of the 15th attempt to remove fraudulent items. The persistence of these fraudulent items, despite repeated attempts to address the issue, is unacceptable and demands immediate and decisive action. Despite countless assurances and previous attempts, the fraudulent items remain unresolved. This ongoing failure not only undermines the credibility of the process but also raises serious doubts about the competency and commitment of those responsible for rectifying these issues. I demand that this matter be treated with the utmost urgency and seriousness. The continued presence of fraudulent items after this attempts is unacceptable and reflects gross negligence. With this, I am asking for your assistance to remove fraudulent items : DEPT OF EDXXXX 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 2024-05-18 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: VA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} EXPERIAN XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$110.00} XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-05-18 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: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$130000.00}

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 2024-05-18 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: Diverse Funding Associates LLC
State: CA

Complaint narrative:
There are items/accounts on my consumer report that are a result of identity theft. Consumer reporting agency ( XXXX ) is reporting items/accounts that do not belong to the consumer. Not only is this hindering my ability to operate in commerce, but it has caused mental anguish, defamation of character, my ability to extend credit for personal, household, and family needs. Consumer reporting agencies are to follow reasonable procedures to maximize and assure the maximum possible accuracy of the information concerning the individual whom the report relates to, as well as exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I believe XXXX has not been meeting their reasonable procedures in a manner that is fair and equitable. The frivolous inaccurate items that are being furnished on my consumer report are by DNF ASSOCIATES LLC and XXXX XXXX XXXX, which both organizations have failed to validate the alleged debt/account. There are no contracts in existence between the consumer and the organizations reporting these erroneous accounts. Furthermore, my concern is how they were able to obtain my non-public personal information. XXXX, DNF ASSOCIATES, and XXXX XXXX XXXX, are in several violations of Fair Debt Collections Practice Act, the Privacy Act of 1974, the Fair Credit Reporting Act ( 15 USC 1681b, 15 USC 1681e, 15 USC 1681q ), makes me wonder is they attempting to conspire to create a false belief the consumer owes such alleged debt and extortionate the consumer.

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 2024-05-18 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
There are items/accounts on my consumer report that are a result of identity theft. Consumer reporting agency ( XXXX ) is reporting items/accounts that do not belong to the consumer. Not only is this hindering my ability to operate in commerce, but it has caused mental anguish, defamation of character, my ability to extend credit for personal, household, and family needs. Consumer reporting agencies are to follow reasonable procedures to maximize and assure the maximum possible accuracy of the information concerning the individual whom the report relates to, as well as exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I believe XXXX has not been meeting their reasonable procedures in a manner that is fair and equitable. The frivolous inaccurate items that are being furnished on my consumer report are by XXXX XXXX XXXX and LVNV FUNDING LLC, which both organizations have failed to validate the alleged debt/account. There are no contracts in existence between the consumer and the organizations reporting these erroneous accounts. Furthermore, my concern is how they were able to obtain my non-public personal information. XXXX, XXXXXXXX XXXX, and LVNV FUNDING LLC, are in several violations of Fair Debt Collections Practice Act, the Privacy Act of 1974, the Fair Credit Reporting Act ( 15 USC 1681b, 15 USC 1681e, 15 USC 1681q ), makes me wonder is they attempting to conspire to create a false belief the consumer owes such alleged debt and extortionate the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I originally had a loan thru XXXX XXXX, It was transferred to Loanme recently. I was not aware, there was no transfer letter send. a totally violation. then I took the imitative to do the right thing. called to make a payment, spoke to XXXX who took my payment.. the calls are recorded or monitored. my payment is XXXX so I gave authorization. that took place on the XXXX of XXXX. so on the XXXX of XXXX I checked my account and found out XXXX was deducted from my account without my approval.. I called back on the XXXX. and XXXX gave me attitude and told me there was a late fee added. keep in mind a late fee was added because I was not aware the loan was transferred. he told me he forgot. this is clearly a violation. if I was told that XXXX was going to be charged and that's what i authorized, Loanme took it upon themselves to add additional fees without my consent.. clearly this is a voilation. Loanme as i understand it was banned from issuing loans in california. as of today nobody called me. I am requesting a full investigation into loan me to stop the unfair practice. Please request the conversation that is recorded and verify what I am saying. Loanme is the biggest scam artist in california. Please stop them from doing this to others. thank you... 
my Loan ID is # XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am confident that I always pay on time. What I don't understand is why this company is marking me as late for some months. Under USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} per account for inaccurate reporting.

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 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I am confident that I always pay on time. What I don't understand is why this company is marking me as late for some months. Under USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} per account for inaccurate reporting.

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 2024-05-18 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: AR

Complaint narrative:
I am writing to express my extreme frustration and disappointment regarding the ongoing presence of fraudulent items on my credit file. Despite my previous attempts to resolve this matter, these fraudulent items have not been removed, and my disputes have been consistently ignored. The continued presence of these fraudulent entries on my credit report is causing severe distress and has significantly impacted my financial standing. This situation is unacceptable and must be addressed immediately. I demand that you will help immediately escalate this matter and take all necessary steps to thoroughly investigate and remove the fraudulent items from my credit file without further delay. I also expect transparent communication regarding the progress made and the specific actions being taken to resolve these issues. With this, I am asking for your assistance to remove the fraudulent itemsXXXX 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 non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Lien release
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I paid my loan in full XX/XX/XXXX and never received a title or lien release. When looking into selling my home, XX/XX/XXXX I went to the tax assessors office to request a title but was told there was still an active XXXX on the home. I contacted the company to request the title and/or lien release and was told I would need to communicate with the lien release team via email. I emailed the lien release team and sent supporting documents showing the XXXX, which I obtained from the tax assessors office and was told to allow XXXX business for my request to be completed. It has been more than 30 days with no resolution. I have spoken with the escalation team several times, as well as an escalation supervisor but no one can tell me when this issue will be resolved although I have expressed to them several times that I am wanting to sell my home but can not do so with an active XXXX that should have been resolved 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I received a bill in the mail from this company about an insurance bill they said I owed but, I dont have a outstanding bill with XXXX XXXX XXXX I sked them to verify the debt but they have not and this is being reported on my credit report. Please have this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XX/XX/2023

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 2024-05-18 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: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: AZ

Complaint narrative:
I am submitting this complaint to address the presence of fraudulent items on my credit report. Upon reviewing my updated report, I noticed that some of these items have been removed, for which I thank you. However, some fraudulent items still remain. I kindly request that the three credit bureaus remove the following fraudulent items from my credit report : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.

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 2024-05-18 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 have illegal unauthorized hard inquiries on my report that I do not recognize! 
I want them removed immediately! 
These hard inquiries are on my XXXX credit report and are in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are on my Trans Union credit report and are illegal . 
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 non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Complete Credit Solutions, Inc.
State: TX

Complaint narrative:
I have recently become aware of a balance of {$780.00}, which according to your records was placed for collection. I am unaware of this debt and did not have an opportunity to dispute this information previously. If you believe that you have provided me with proper notification regarding this debt, I request that you provide me with certified receipts that include my name and signature confirming that I received such notification.

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 2024-05-18 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$130.00} XXXX XXXX Balance Owed : {$3600.00} - previously late/open XXXX XXXX XXXXXXXX Balance : {$790.00} - tied up XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date XXXX : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed XXXX {$540.00} XXXX XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$290.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/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 2024-05-18 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: NC

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$130.00} XXXX XXXXXXXX Balance Owed : {$3600.00} - previously late/open XXXX XXXX  XXXX Balance : {$790.00} - tied up XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date XXXX : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$540.00} XXXX XXXX  XXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/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