vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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: CL Holdings LLC
State: TN

Complaint narrative:
Address oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$390.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 48 Please Note : This notice is an attempt to correct your records

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel By the silence of engelhardt v gravens ( mo ) 281 SW715.719| presume that no proof of the alleged debt. no therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) 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 2024-09-04 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: VI

Complaint narrative:
A few years ago I was a victim of identity theft and a fraud alert was placed on my consumer report. Someone I know told me that they came in contact with someone that created a XXXX XXXX XXXX and was able to purchase over XXXX credit files which includes people personal information that they will use for identity fraud. I believe that there is a law that speaks on any unauthorized use of your personal information by any one which includes data furnishers, without your written consent is constitutes as Identity Thef. On XXXX XXXX XXXX  correspondence was sent to these companies as it relates to them not furnishing, selling or sharing any information that they obtain on me with no Banks, XXXX XXXXXXXX XXXX XXXX or other XXXX XXXX without my written consent. I was not satisfied with the non-response from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: CORELOGIC INC
State: VI

Complaint narrative:
A few years ago I was a victim of identity theft and a fraud alert was placed on my consumer report. Someone I know told me that they came in contact with someone that created a XXXX XXXX XXXX and was able to purchase over XXXX credit files which includes people personal information that they will use for identity fraud. I believe that there is a law that speaks on any unauthorized use of your personal information by any one which includes data furnishers, without your written consent is constitutes as Identity Thef. On XXXX XXXX XXXX  correspondence was sent to these companies as it relates to them not furnishing, selling or sharing any information that they obtain on me with no XXXX XXXX XXXXXXXX XXXX XXXX or other XXXX XXXX without my written consent. I was not satisfied with the non-response from these companies.

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 2024-09-04 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: CA

Complaint narrative:
Equifax has not answered my dispute nor have they fixed the errors on my report. In my previous complaint XXXX they asked for me to send in identity information. But as you see in the previous complaint all relevant information was submitted to identify who i am and my report with them. This is ridiculous and they need to be held accountable for their actions, of lying that they couldn't verify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: LA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: LA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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:
I had an auto loan with XXXX XXXX XXXX XXXX. After my car was totaled in an accident, the claims adjuster communicated directly with XXXX, indicating they would pay off the loan balance. They required certain information from XXXX to proceed with the payment. However, XXXX was slow to provide this information and insisted that I continue making payments on a loan that was already closed and satisfied. It seemed as though XXXX XXXX deliberately delayed releasing the information to the claims adjuster to keep receiving my payments. I tried to speed up the process by urging XXXX to send the necessary documents to the insurance company for the final loan payment. Eventually, XXXX complied, and the insurance company settled the loan in full. Despite this, XXXX XXXX marked me as late, even though they were aware the car was totaled and the insurance company had agreed to cover the remaining loan balance.

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 2024-09-04 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: GA

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX XXXX. After my car was totaled in an accident, the claims adjuster communicated directly with XXXX, indicating they would pay off the loan balance. They required certain information from XXXX to proceed with the payment. However, XXXX was slow to provide this information and insisted that I continue making payments on a loan that was already closed and satisfied. It seemed as though XXXX XXXX deliberately delayed releasing the information to the claims adjuster to keep receiving my payments. I tried to speed up the process by urging XXXX to send the necessary documents to the insurance company for the final loan payment. Eventually, XXXX complied, and the insurance company settled the loan in full. Despite this, XXXX XXXX marked me as late, even though they were aware the car was totaled and the insurance company had agreed to cover the remaining loan balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: GA

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX XXXX. After my car was totaled in an accident, the claims adjuster communicated directly with XXXX, indicating they would pay off the loan balance. They required certain information from XXXX to proceed with the payment. However, XXXX was slow to provide this information and insisted that I continue making payments on a loan that was already closed and satisfied. It seemed as though XXXX XXXX deliberately delayed releasing the information to the claims adjuster to keep receiving my payments. I tried to speed up the process by urging XXXX to send the necessary documents to the insurance company for the final loan payment. Eventually, XXXX complied, and the insurance company settled the loan in full. Despite this, XXXX XXXX marked me as late, even though they were aware the car was totaled and the insurance company had agreed to cover the remaining loan balance.

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 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Request to Remove Charge-Off from Credit Report I am writing to request the removal of a charge-off from my credit report, as it was reported in error. The account in question was XXXX XXXX with Apple card XXXX Goldman Sachs XXXX XXXX and I have obtained a letter from them stating that the charge-off was a mistake due to an error in my name. 

The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies ensure the accuracy and fairness of credit reports. Pursuant to 15 U.S.C. 1681i ( a ), I am requesting that you investigate this matter and remove the charge-off from my credit report. 

The details of the error are as follows : * Account Name : XXXX XXXX * Company Name : Apple card ( Goldman Sachs XXXX XXXX Error 1 : CHARGE-OFF REPORT DUE TO INCORRECT INFORMATION ( LAST NAME SPELL WRONGLY ONTILL I DISPUTED ) * Error XXXX : INCORRECT REPORT FOR THE MONTH OF XXXX ( I PAID OFF ALL CHARGE OFF XX/XX/XXXX ) * Error 3 : INACCURANT REPORT TO THE THREE BUREAU 'S ( SHOWING LAST PAYMENT WITH DIFFERENT DATE AND INACCURANT REPORT WITH SOME REPORT HAVING NO CHARGE-OFF HISTORY WHILE OTHERS HAVE HISTORY ) - Supporting Documentation : Enclosed is a letter from Apple card ( Goldman Sachs ) XXXXonfirming the error and correction after dispute.

I would appreciate it if you could expedite this matter and remove the charge-off from my credit report as soon as possible. Please confirm in writing once the correction has been made. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
We have been in a dispute with Ally Financial and now XXXX XXXX since XX/XX/XXXX over closing out an auto lease, with at least XXXX calls on various dates asking for an explanation on why we have an outstanding balance of {$530.00}. Throughout the various phone calls, the answers wavered between a cracked windshield and a missing payment or payments. We provided the XXXX XXXX XXXX XXXX that covered incidental damages and proof of our Ally statement showing we made the XXXX payments as the contract required. XXXX XXXX wouldn't even accepXXXX XXXX XXXX  statements for payments and requested time stamped bank statements showing proof of payment, in which we provided. This seems very unnecessary when they couldn't accept the Ally Financial payment statement. We also requested an updated final statement, as they amount we owe doesn't even match the amount on the final statement. We were sent the original statement dated XX/XX/XXXX with no updates made. Again, the amount on the XX/XX/XXXX statement is for {$940.00} and the amount they are now saying we owe is {$530.00}. This was sent to XXXX XXXX on on XXXX and XX/XX/XXXX. We have been told that their account team is reviewing our account XXXX times now and someone will be back in touch with XXXX XX/XX/XXXX hours with a response. To no avail, there has been no follow-up. When I explained my frustration that we have received this same response before, they responded we would then have to call in and check on it. I also filed a complaint with Ally Financial on their XXXX XXXX on XX/XX/XXXX, and was told we needed to call a number that went directly to XXXX XXXX. I also emailed that same complaint to XXXX requesting a reason on why we owe the outstanding balance. The complaints didn't go anywhere for a response. We continue to receive letters with Notice of Intent to Report Negative Credit. The letter states the willingness to work with us, which XXXX has been done on their end to help explain why we owe when have proof of meeting our contractual payment obligations. The only thing we get when we bring this fact up is their account team is reviewing, and the cycle goes on. We are beyond frustrated with nothing coming from Ally or XXXX on a response back for the outstanding balance. We have attempted several of times beyond what should be acceptable to have them provide us an explanation of the outstanding balance. Missing payment is not the answer when we have provided all the supporting documentation of the payments made. This is a bank and have regulations they should be following in adequately addressing complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2024-09-04 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: MA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-09-04 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: MA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-09-04 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 sent a Notice of Dispute - Inaccuracies on XXXXXXXX XXXX letter on XX/XX/year>. I sent a copy of my bank statement and driver 's license. EQUIFAX sent me a letter stating we could not locate a credit file in our database with the identification information I provided. 

These accounts on my consumer report are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
HomeGoods Customer Service XXXX XXXX XXXX., XXXX, MA XXXX Dear sir, Recently, I started to receive the emails from your company. However, as far as I remember, I never agreed to have the subscription of these emails. Since I have the issue with TJX Reward Credit Card at this moment and I found out the TJX Reward Credit card was referred in the website of your company contact information, I do not want your company to send me email advertisement to avoid the impression your company and this credit card company, along with Synchrony Bank, share the personal information including email address. Please remove my email address from your email list, especially, TJX Reward Card Company created a credit card which had my name, without any agreement with me and consent after the closing of my account ahead of it. 
Sincerely,

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 2024-09-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$1500.00} XXXX XXXX  XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$7000.00} XXXX, XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$1400.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation