vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Unauthorized inquiries on my credit report are errors. I ask for their removal under 15 USC 1681c-2 guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am reopening my complaint regarding the unresolved issues with accessing my Equifax credit report. Equifax previously informed me that the issue had been resolved, but I am still unable to access my account. Each time I attempt to log in, I am prompted with an error message asking me to call and provide a code ( XXXX  ), which I have done multiple times without any success. 

The level of customer service I have received is absolutely unacceptable. Despite numerous attempts to resolve this issue, I am continually met with incompetence and frustration. It is extremely disheartening that Equifax closed my complaint while falsely claiming that the issue had been addressed. Clearly, this is not the case, and it feels as though I am being misled. 

I am deeply frustrated by the lack of transparency and resolution, and I believe that Equifax should be held accountable for this level of neglect and inefficiency. The fact that I can not access my own credit report after so much time and effort is unacceptable, and the repeated failure to resolve this issue raises serious concerns about the companys practices. 

I request immediate attention to this matter and expect a proper resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, Trans Union, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a.

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 2024-11-21 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: FL

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 2024-11-21 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: NY

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: NY

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 explanation
Consumer complaint received 2024-11-21 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-11-21 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX is a credit building company. They guarantee to help you build credit to increase your credit score. They are not reporting monthly to credit bureaus like they promise they would. My balance is {$100.00} but on my credit report it is showing {$140.00} and it hasn't been reporting to Equifax since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Received a letter today XXXX XX/XX/XXXX that Cause number XXXX Velocity Investment LLC XXXX XXXX XXXX I am being summoned to appear on XX/XX/XXXX because I am being sued by the debt collector company Velocity Investment LLC

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 2024-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: CA

Complaint narrative:
Failure to Disclose Notice of Sale and GAP Insurance Credits by Flagship Credit Acceptance I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) regarding the refusal of Flagship Credit Acceptance to provide essential disclosures related to the repossession and subsequent sale of my vehicle. Despite my repeated requests, Flagship Credit Acceptance has failed to disclose the following critical information : 1. **Notice of Sale** : The lender has not provided the required notice detailing the sale of the repossessed vehicle, including the sale price, as mandated by applicable state laws. 2. **GAP Insurance Credits** : I have requested information regarding any amounts credited from my Guaranteed Asset Protection ( GAP ) insurance that were applied towards the sale price of the vehicle and the remaining loan balance. This information is crucial for understanding my financial obligations following the repossession. Under California law, lenders are obligated to provide a detailed accounting of the sale of repossessed vehicles, including the sale price and any credits from GAP insurance [ [ 3 ] ] The lack of transparency in this matter not only violates my rights as a consumer but also undermines the regulatory framework designed to protect borrowers from unfair practices. I urge the CFPB to investigate this matter and take appropriate action to ensure that Flagship Credit Acceptance complies with its legal obligations. The failure to disclose this information is detrimental to my financial well-being and may constitute a violation of the Consumer Financial Protection Act.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX , with Social Security Number XXXX a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> XXXX. Current Address : XXXXXXXX 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 explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: WA

Complaint narrative:
Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX , with Social Security Number XXXX a resident of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My report contains hard inquiries I never authorized. As per 15 USC 1681c-2, please have these removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I bought a XXXXXXXX XXXX XXXX game in XXXX with the Amazon Synchrony store credit card for around {$30.00}. The game did not work after a few days and I returned the game to XXXX XXXX with photo proof for my records. Amazon promised a refund upon delivery and they said the item was delivered. They were supposed to issue a refund since I bought a replacement game for my XXXX XXXX XXXX XXXX birthday but Amazon never did. Instead, Amazon decided to lie to me telling me they never received the game. On the same day, via phone, of Amazon being very dismissive and hanging up on me claiming I never returned the item despite proof and times dated and stamped on the poly bag in the XXXXXXXX XXXX XXXX, I called synchrony to dispute this item since it was retuned. Synchrony at first was very helpful and has documented everything I have told you here regarding the dispute and what happened and how I never received credit upon receipt of returned goods. Yesterday, I reached out regarding the status of the case as I still have not seen any credit on my account despite also submitting the required proof necessary to speed up the process almost or over a month ago. They kept giving me the runaround and told me there is no dispute open. I asked to be transferred several times to no avail to a manager. This is the second time I have had to complain to the CFPB regarding this bank and its deceptive and unlawful behavior. Please help me with this as I have done all of what was required of me in good faith under the Fair Cried and Billing Act of XXXX I am only looking for a fair resolution. I am owed the credit and synchrony even sent me ample documentation regarding this. I have screenshots of all of what was asked of me and how I did what was asked. I will be seeking advice from counsel to possibly exercise my credit rights if necessary due to the behavior of this corrupt organization. Thank you for your time, 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 monetary relief
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
I am writing in response to a letter sent from your company regarding a debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am formally requesting a validation of this debt. I do not recognize this debt, and I am requesting documentation to confirm its validity.

Please provide me with the following information : The original creditors name and address : To understand where the debt originated.

Verification of the debt amount : A breakdown of the amount you claim I owe, including any fees or interest. 
Proof of my liability : Documentation showing that I am indeed responsible for this debt, and that it has not been paid or otherwise settled. 
Your agency 's authority to collect this debt : A copy of the purchasers agreement between your agency and the original creditor authorizing you to collect the debt. 
Please consider this letter a formal dispute of the debt, and cease all collection activities until you have provided adequate verification of the debt. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information at your earliest convenience. If you can not provide the requested validation, please delete the account from your records and notify any applicable credit bureaus to remove it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are incorrect accounts on my credit report that I didnt authorize. Please take steps to block and eliminate them right away.

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 2024-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: ME

Complaint narrative:
In XXXX of XXXX we had found XXXX mold in our apartment ( XXXX XXXX Apartments ) making us very sick. We contacted the apartment administrators and educated them on the issue. They came in and sprayed bleach and then painted over the mold. We then again called the office after learning this is very dangerous to do, we were told to move out if this fix wasnt a good enough solution. We talked with the office XXXX and decided and agreed that we were going to leave. 
In XXXX of XXXX we moved out of the apartment. In XXXX of XXXX we had saw that they had put {$4200.00} into collections, however we never received a bill or notice. We were not aware that we owed after talking and coming to an agreement with the office XXXX. I called the company and they told me there was nothing they can do and I needed to pay a debt I was never made aware of. 
I have disputed this collection multiple times. This collection was immediately sent to a collection agency FAIR COLLECTIONS & OUT XXXX without knowledge of the debt. I have no documentation of any bills owed to them or any letter from them trying to collect a debt.

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 2024-11-21 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: IN

Complaint narrative:
Errors showing late payments were found on my credit report. Please resolve these and update the file.

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 2024-11-21 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: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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