vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
XX/XX/year>XXXX  received a letter from Roosen Varchetti & Oliver, PLLC, I again returned a letter XX/XX/year>XXXX  requesting a breakdown of the debt from the original creditor including principle, total interest, and total fees. XX/XX/year>XXXX  I received a response with the same paper work I have been sent already along with a state of ( Amount of original Creditor is not inclusive of Interest to Date )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TN

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX XXXX XXXX Personal Information : Employers : XXXX XXXX Employers : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TN

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX  Late Payment : XXXX XXXX XXXX Personal Information : Employers : XXXX XXXX Employers : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-10-24 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: FL

Complaint narrative:
I have submitted 3 disputes to each of the credit bureaus. An erroneous XXXX XXXX account was put on my credit report 3 months ago. My XXXX XXXX account has never been in collections. I even went down to the court house and got a copy of my XXXX XXXX payment ledger. The XXXX XXXX  account was NEVER a collection. The bureaus are ignoring my proof that I have been sending them! I was also never late on my Mortgage through XXXX. I have requested methods of validation for how they are verifying this account. Please see my attached dispute letters to all 3 bureaus and my XXXX XXXX payment ledger and court house documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
I have submitted 3 disputes to each of the credit bureaus. An erroneous child support account was put on my credit report 3 months ago. My child support account has never been in collections. I even went down to the court house and got a copy of my child support payment ledger. The child support account was NEVER a collection. The bureaus are ignoring my proof that I have been sending them! I was also never late on my Mortgage through XXXX. I have requested methods of validation for how they are verifying this account. Please see my attached dispute letters to all 3 bureaus and my child support payment ledger and court house documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I did not receive a XXXX statement and when I logged in I saw I was charged a late fee. I immediately paid the balance minus the late fee and asked for the agent to remove the late fee as a courtesy they only offered to reduce it but not remove it. Now they have charged me another late fee after I closed the account. I called again and asked if they would remove the late fee and they say they can not since it is a closed account but they will continue to charge me more fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: PA

Complaint narrative:
I am writing to report various issues with my credit file, including incorrect account listings, an unrecognized collection, unauthorized inquiries, and errors in credit reporting. I seek your assistance in resolving these matters to safeguard my financial health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to report various issues with my credit file, including incorrect account listings, an unrecognized collection, unauthorized inquiries, and errors in credit reporting. I seek your assistance in resolving these matters to safeguard my financial health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is not a claim or attempt to claim identity theft. This is a complaint and demand for, It has become apparent, that no human being, or no one properly trained, is handling the disputes at TransUnion. Continuously Ive disputed and now complained of this companies gross misconduct and ineptitude at reporting accurate and true statements of credit. Ive disputed both the validity as well as the inaccuracy of the company XXXX. To each time be resubmitted with erroneous infringing updated and verified statuses. We, under FCRA and FDCPA, statements of PLACED FOR COLLECTIONS, IN COLLECTIONS, that has been marked as both an open account and closed, charged off with a past due balance attached; are all clear violations of the above acts, as well as an infringement on my personal and business XXXX. I never entered into contract with this company and any proof of alleged indebtedness or furnishing of correspondence to further said collection or past due amount. Which placing statements of collection with a past due amount ON an account marked as closed goes against FCRA and FDCPA statues as well as FTC regulates. For these above statements I demand full remedy for the injuries this malicious negligence and lack of due diligence this company as exuded thus far.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXX Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
XXXX Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
XXXX XXXX : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: NC

Complaint narrative:
Have had to consistently dispute with Equifax over the last 7 years for continuing to report names that are not associated with me on my credit file. Equifax fixes the issue and then reports the incorrect information again repeatedly. I have disputed with Equifax for incorrect information atleast 3 times in the last 3 months and they fail to provide a report that is consistently accurate. I previously disputed personal information on my report and Equifax added formerly known as names after I had already provided identification and ssn to fix the error multiple times. Equifax continuously displays the incorrect name on my credit file. Originally they had the spelling of my name incorrect. I was required to send a copy of my ID and SSN via mail. It was showing correctly the last two disputes and on Equifax website. My name only appeared and there were no other formerly known as names listed. After a recent dispute in early XXXX of this year, Equifax updated my name again and added formerly known as names to my credit file that I have never been formerly known by. I called Equifax to fix this error again and they advised me they can not fix it if I do not send in another copy of my ID and SSN. Asked if I could fax it as I have been a victim of fraud and I am not comfortable sending those types of documents via mail and they declined and stated I had to send it by mail. This out outrageous. I have a active fraud alert and a freeze on my profile and they are still willingly listing incorrect personal information on report with no proof of investigating the creditors claim. Equifax needs to be held accountable for the information they report. They need to check their previous record of me providing identification for them to fix my personal information initially. I should not have to keep proving information is wrong when they are failing to accurately investigate the information they report. This is a direct violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I have been a customer of XXXX XXXX for over 15 years. I had an account for satellite tv service with XXXX set top boxes. I was paying $ XXXX a month for 15 years. I've had the same equipment for all that time. I was having trouble with the main set top box and contacted XXXX XXXX. I contacted them to disconnect service or replace the box. The customer service rep kept trying to get me to replace all of the equipment. I repeatedly declined because I did not want to start a new XXXX or XXXX contract with Direct TV. I mentioned that I have a new XXXX tv and that I mostly stream through the internet. The customer service rep said, " We want to keep you as a customer, I can send you a new XXXX set top box and a {$200.00} prepaid credit card ''. I said, " as long as I don't have to renew '' a contract. XXXX XXXX has no channels that exclusively broadcast XXXX, they have premium streaming channels that offer XXXX content for extra costs. 6 months later I called to cancel service, the customer service rep said my equipment was old and there was no need to return it and that my balance would be zero after they prorated my account. I received a new bill from Direct TV, I called customer service and they said that accounting hasn't caught up to prorate my account and they were not aware of a disconnect fee. I explained that the statement says they were charging a disconnect fee from a new contract that I did not authorize. I called on several occasions to have them explain how they authorized a new contract. They told me to wait for XXXX weeks and my account will be credited. I received another bill a month later and called in again and told me the same thing, to wait for XXXX weeks for the account credit. On XX/XX/year> I received a debt collection notice for a total of {$190.00}. I trusted XXXX XXXX customer service to do their job and they just strung me along to send to collections. I made several attempts to get someone to get back to me to explain the charges and how I could be charged a disconnect fee. Clearly, their customer service reps are using fraudulent tactics to maintain customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: WA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
On my credit report there are incorrect addresses. I never lived at or did business or used any of these addresses. The incorrect addresses on my credit report are : a ) XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, Florida XXXX. 

The second incorrect address on my credit report is : XXXX XXXX XXXX, XXXX, Florida XXXX. 

None of these addresses below to me. So delete these addresses from my credit report immediately and update my credit report with the correct address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
On my credit report there are incorrect addresses. I never lived at or did business or used any of these addresses. The incorrect addresses on my credit report are : a ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX. 

The second incorrect address on my credit report is : XXXX XXXX XXXX, XXXX, Florida XXXX. 

None of these addresses below to me. So delete these addresses from my credit report immediately and update my credit report with the correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
I recently reviewed my credit report and was surprised to discover several negative marks classified as " Late Payments ''. This is contradictory, as I have always made my payments on time. This situation is significantly affecting my ability to access credit, which has a direct impact on my personal and family life. According to the federal regulation 15 U.S.C. 1666b regarding the timing of payments, a creditor may not consider a payment to be late on a credit card account under an open-end consumer credit plan unless it has established reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment is due. Given the above, the presence of these " Late Payment '' marks on my report appears to indicate a possible violation of that rule. Therefore, I believe that an immediate review and correction of this information is essential, as it affects my rights as a consumer and limits my access to credit opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. 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