vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 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: NY

Complaint narrative:
Upon reviewing the personal information section of my credit report, I noticed that they were several outdated and or incorrect personal information on my credit report. I would like those items removed from my credit report due to them being outdated or incorrect. I have listed the information below : Remove the following names : XXXX XXXX Remove the following addresses : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Remove the following employers : XXXX XXXX, XXXX XXXX Also please remove the following birth date : XX/XX/XXXX My actual birth year is 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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing the personal information section of my credit report, I noticed that they were several outdated and or incorrect personal information on my credit report. I would like those items removed from my credit report due to them being outdated or incorrect. I have listed the information below : Remove the following names : XXXX XXXX Remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Remove the following employers : XXXX XXXX, XXXX XXXX Also please remove the following birth date : XX/XX/XXXX My actual birth year is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: GA

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 XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX 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 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 2024-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TrueAccord Corp.
State: FL

Complaint narrative:
This is a credit card debt with XXXX XXXXXXXX XXXX  debt collection is from True accord but was XXXX XXXX debt was in 2016 but I know it was earlier so there is a statue of limitations in Florida XXXX years and before the email they called me too so I do t want anymore emails or phone calls can you help. 





Thank you XXXX XXXXXXXX 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 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  Chase sent me a text message to my phone telling me to call their XXXX number to verify some information to them before they close my account. I called at XXXX XXXX  and they didnt verify any information. They immediately told me that my account was closed. All because I disputed a transaction with them in the amount of XXXX from XXXX. They gave me a temporary credit of XXXX on XX/XX/XXXX and on XX/XX/XXXX XXXX they closed my account. They said they couldnt give me my money because it was due to a dispute. Even if it was because of a dispute its my money. Chase has reversed plenty of my provisional credits because they say I didnt send in supported documents for claims that Ive filed when in fact I have. Its just their word against mine. This decision that they made has caused me financial distress, hardship and homelessness. I have a XXXX XXXX XXXX XXXX and I need my money back. This is unfair and not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: OH

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$55.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$2900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$260.00} XXXX  XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2024-03-09 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: OH

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$55.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$520.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$260.00} XXXX  XXXX Balance : {$650.00} XXXX  XX/XX/XXXX XXXX  XXXX  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 XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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.

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$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 non-monetary relief
Consumer complaint received 2024-03-09 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.

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX  Account Number : XXXX XXXX Account number : XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports.

Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/ charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am Requesting the Removal of Inaccurate Late Payment Entry from Credit Report. 


Account XXXX In light of these regulations, I request that you take immediate action to rectify this error by removing the inaccurate late payment entry from my credit report. I emphasize that this request is not made frivolously, but rather in accordance with my rights as outlined by the FCRA. 

I have enclosed copies of supporting documents [ attached file ] to substantiate my claim of on-time payment. I trust that upon review of this evidence, you will promptly correct the erroneous information on my credit file. 

Please provide written confirmation once the necessary corrections have been made. Additionally, we request that you furnish my client with a free copy of their updated credit report reflecting the removal of the inaccurate late payment entry. 

In addition to the inaccurate late payment entry, it has come to our attention that the credit report provided by your agency differs from those provided by other consumer reporting agencies. Such inconsistencies raise concerns regarding the accuracy and reliability of the information being reported by your agency. 

In light of these legal obligations and discrepancies, I hereby formally request that you take immediate action to rectify the error by removing the inaccurate late payment entry from my client 's credit report. This request is made in accordance with their rights as outlined by the FCRA, and failure to comply may result in further legal 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 explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: CA

Complaint narrative:
I was the co-signer for my son 's apartment at "XX/XX/XXXXXXXX '' XX/XX/XXXXXXXX Arizona, where he was living while attending college at XXXXXX/XX/XXXXy. In XXXX of 2020, when my son came home for XX/XX/XXXX he was informed by the University not to return to school because the University was shutting down, due to the Covid 19 pandemic. My son was also told that the remainder of his senior year would be completed online at home. Additionally, my son lost his part time job a XXXX XXXX in XXXX, also due to XXXX XXXX. My son and I subsequently drove up to XXXX on XX/XX/year>. We cleaned out and secured his bedroom and returned home. I subsequently wrote a letter to the management at " XXXX XXXX '' apartments in XXXX explaining the situation and mailed them the key to my son 's room. I also paid the rent for XXXX and XXXX, " In Full '' and asked to be absolved from the remaining rent owed per the lease agreement, which included XXXX, XXXX and XXXX for the reasons I explained in this letter. XX/XX/XXXXXXXX management responded to me by telling me, " That's not our problem ''. XX/XX/XXXXXXXX also sold my remaining rent payments to XXXX XXXX XXXX, ( XXXX ) XXXX and put a " Negative '' mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This is a credit card debt with XXXX XXXX XXXX debt collection is from XXXX XXXX but was LVNV XXXX debt was in 2016 but I know it was earlier so there is a statue of limitations in Florida XXXX years and before the email they called me too so I do t want anymore emails or phone calls can you help. 





Thank you Ms XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I filed a claim against a charge from a merchant with my credit card company, which also happens to have a relationship with this merchant. They seem to be biased towards the merchant in handling the claim. Additionally, they are discouraging me from questioning their judgment by threatening to post negative information on 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 2024-03-09 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: FL

Complaint narrative:
I am being disregarded yet again. These disputed items are currently in litigation and need to be removed from my credit report while in pending litigation per federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
On XX/XX/23 I received a debt collection letter from Caine & Weiner for the amount of {$45000.00}. It said they were trying to collect on a debt I owe XXXX. I sent a letter by certified mail requesting debt verification on XX/XX/23. I still have received no response. What do I do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: TX

Complaint narrative:
I purchased and signed a contract to purchase my vehicle XXXX XXXX XXXX XXXX on XX/XX/XXXX. My mom XXXX XXXX is my Co signer and my name is also on the contract. I reached out to XXXX XXXX XXXX back in the begging of XXXX to see why my car loan has not been reported to the credit bureaus and my payments as well and to see why it does not show I have a auto loan in mine and my moms name. They started an investigation and said it would take 30 days to hear something back and I would receive an email. They said if i did not see an update i needed to reach out to the credit bureaus myself and they would have to take care of this issue. They never called me or emailed me like they said they would so I reached out XXXX XXXX. They said the investigation was closed XXXX XXXX and everything the credit bureaus needed was sent over to them and they should be updating it. I called trans union and XXXX yesterday XX/XX/XXXX to see why I have not seen it on my credit report yet. They said I would need to call XXXX because they never received any information on this loan and it was out of their hands. I called XXXXXXXX XXXX XXXX back the same day and XXXX basically said there was nothing they could do, that an investigation had already taken place but there was no updated notes on the account. I was very upset and frustrated that I am paying for a vehicle that is not even being reported and i feel I just keep getting the run around and there is nothing I can do about it. I asked to speak with a supervisor but they would not transfer me and said the department I needed to speak with was closed already. I spoke with a XXXX named XXXX at XXXXXXXX XXXX XXXX and he said they would note my account to have someone call me back XX/XX/XXXX at XXXX but no one ever called me. I called back at XXXX that same day while i was still at work and I spoke with a CSR at XXXXXXXX XXXX XXXX named XXXX who said there was never a note made and there were no supervisors on the floor available. I called back about the same thing three more times on different dates over the past 8 months and get the same response but still have received no emails and the credit bureaus still have not received anything till this day. I feel that im getting no where! I googled XXXXXXXX XXXX XXXX and they have lawsuits against them and other people have the same issue with them not reporting to the credit bureaus and get the same response but get nothing back! They also gave me a car with a 20 % interest rate. I will never finish paying this vehicle off!!

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