vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm formally lodging a complaint against Equifax regarding their failure to complete an investigation into an account in question on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

On XX/XX/year>, I sent a letter to Equifax via certified mail with a return receipt, addressing an account in question listed on my credit report that I believe to be incorrect. I received confirmation of receipt from Equifax, with the return receipt dated XX/XX/year>, confirming that Equifax received my correspondence. 

As per the FCRA, specifically Section 1681i ( a ) ( 1 ) ( A ), once a consumer raises a question about the accuracy of information on their credit report, the credit reporting agency must conduct a reasonable investigation and notify the consumer of the results within 30 days. The investigation process is clearly outlined in FCRA Section 1681i ( a ) ( 1 ) ( B ), which mandates that the credit reporting agency must complete the investigation within a 30-day timeframe. 

However, it is now well past the 30-day period, and I have not received any communication from Equifax regarding the outcome of the investigation. As of today, XX/XX/year>, it has been over 30 days since the receipt of my letter, and Equifax has failed to comply with the statutory requirements outlined under the FCRA. Their failure to conduct the investigation within the legally required timeframe constitutes a clear violation of FCRA Section 1681i ( a ) ( 1 ) ( A ) and FCRA Section 1681i ( a ) ( 1 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: DE

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts be blocked and deleted. Please delete the following 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 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 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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-11-19 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-19 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OLD NATIONAL BANCORP
State: WI

Complaint narrative:
This company gave me a XXXX pre approval letter I received an offer and purchase agreements and then denied me.

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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am writing to request validation of the debt that you claim I owe, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

This letter is not an acknowledgment of the debt, and I dispute its validity. I am requesting the following information : 1. Verification of the original creditor and the amount of the alleged debt.

2. Detailed documentation of the debt, including statements and records.

3. Proof of your authority to collect this debt in my state.

4. Information regarding the last activity on the account, if applicable.

I am aware of my rights under the FDCPA, and I expect your agency to provide the requested information within 30 days of receiving this letter. If you are unable to provide this verification, I insist that you cease all collection eorts immediately and remove any negative reporting from my credit file.

Please communicate in writing to confirm the receipt of this letter and whether you can provide the requested documentation. If you can not validate this debt, I also expect you to inform any credit reporting agencies to which you have reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Individualized Review Process ( IRP ) Individualized Review Process ( IRP ) Independently administered by XXXX XXXX I submitted a request for additional compensation, which was met with a request for further documentation. I uploaded one document and submitted it ; however, I did not want to limit my submission to just that single document, as I had much more evidence to support my case. Unfortunately, the instructions regarding the order in which documents should be submitted were not specified anywhere, and now I find myself having to wait for my claim to be reviewed without these crucial documents. This policy seems unfair. It feels like yet another predatory move by Bank of America to evade its obligations to the consumers it has harmed. I hope the CFPB intervenes to put an end to these practices, where even the slightest mistake by the consumer can disqualify them from compensation.

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I sent multiple online messages requesting my accounts be closed. I went in person to a branch requesting all funds be placed in the main savings account and have all of the others closed. They have refused. They said they would follow up Monday, which they did not. The accounts have not changed. I signed paperwork showing which accounts I wanted closed and no accounts have closed. This is in a manner similar to the infamous XXXX XXXX " XXXX is great '' fraud.

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 2024-11-19 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: NJ

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-11-19 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on dates ( XX/XX/year> ). I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-11-19 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
To Whom It May Concern, I am writing to file a formal complaint regarding Transunions handling of disputes related to an inaccurate voluntary repossession account on my credit report. Despite previous disputes, Transunion has failed to address the discrepancies I have raised and continues to report incorrect information.

Issue Details : 1.Account Information : Original Creditor/Lender : XXXX Account Number : XXXX Date of Dispute : XX/XX/year>, and XX/XX/year> 2.Nature of the Discrepancy : Transunion is reporting an inaccurate balance on this account. The reported balance of {$7000.00} does not match the correct balance of {$7100.00}.

I have provided supporting documentation in my previous disputes to demonstrate the correct balance, yet Transunion claims the account has been verified without addressing the discrepancy.

3.Repeated Disputes Without Resolution : I have disputed this information twice through TransUnions dispute process. Each time, the response has been that the information is verified and accurate, but no explanation or evidence has been provided to substantiate this.

The reporting remains inaccurate, which negatively impacts my creditworthiness and financial opportunities.

Request for Resolution : I request the following actions : 1. That Transunion conducts a thorough investigation into this account and provides evidence from the original creditor verifying the balance they claim is correct.

2. That the inaccurate information is deleted entirely from my credit report promptly, as required by the Fair Credit Reporting Act ( FCRA ) if it can not be verified.

3. That I am provided with detailed documentation of how Transunion reached its conclusion regarding the dispute.

Supporting Documentation * Copies of my previous dispute submissions to TransUnion.

* Any statements, receipts, or correspondence demonstrating the correct balance of the account.

Impact of the Inaccuracy : This inaccurate reporting has caused significant stress and financial hardship. It has resulted in denial or unreasonable terms for a car loan, limiting my ability to secure reliable transportation.

I trust that the CFPB will investigate this matter and ensure Transunion upholds its obligation under the Fair Credit Reporting Act ( FCRA ) to maintain accurate and verifiable information. If Transunion can not verify the accuracy of this account, I request its deletion from my credit report.

Thank you for your time and assistance.

Sincerely, 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 2024-11-19 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: RI

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-11-19 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: RI

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-11-19 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: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
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: Prosper Marketplace, Inc.
State: TN

Complaint narrative:
Company stated that payment was not made in XXXX XXXX. Attached is verification of pymt made and loan is now paid in full ( which company has yet to report ). Loan term was over several years and payment was an auto deduct and never late yet company is now saying there is a 30 day late payment and reporting it as bad debt on my part when there never was a late pymt made. I attempted to contact company on XX/XX/XXXX and spoke with a representative who was extremely poor in articulation, extremely difficult to understand and still could not provide an answer that explained my situation. I asked to be transferred to a higher manager and was refused. She said I would get a call back from someone who could explain which has never happened. I have had XXXX late pymts on any acct ever! And certainly did not plan to start with this company. I feel they are deceitful in practice and would not want any anyone else to experience my frustration. I have previously had loans with XXXX XXXX and XXXX in the past without any issues and would return to them. Terms of loan were clear and auto paid for previous loans without difficulty. Would like for prosper to really think about how this loan for the first 98 % of the loan was paid on time every month until the very end. Not sure where this break down occurred but it certainly is not on my end if I had been paying timely for the amt stated month after month. Seems very fishy and deceptive on their part.

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 2024-11-19 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: CA

Complaint narrative:
This is in reference to inaccurate information that is being providing to EXPEEIAN from DRPT OF EDXXXX and EXPERIAN is publishing to my consumer file.The inaccurate information is in regards to late payments which never occurred with said company. What is being reported is below. 
XXXX ( 90-days late ) XXXX ( 120-days late ) This account shows positive payments prior to these dates which is a direct indication something is wrong and inaccurate with its reporting.

UNDER ( FCRA ) CREDIT REPORTING AGENCIES ARE REQUIRED TO MAINTAIN ACCURATE AND COMPLETE INFORMATION. FCRA 607 ( b ) ( 15 U. S. C 1681 e ( b ) .. BE CLEAR IM NOT ASKING FOR VALIDATION BUT IT TO BE REMOVEDFROM MY XXXX  CREDIT FILE OR UPDATED TO POSITIVE PAYMENT HISTORY

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