vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-07 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: FL

Complaint narrative:
XXXX XXXX as a consumer, am notifying you that I dispute this alleged XXXX XXXX XXXXXXXX XXXX + pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATIL OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF 7 MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
XXXX Since this debt is disputed pursuant to the Fair Debt Collection Practices Act. you are required to cease all collection of this alleged debt which include reporting to my consumer report with XXXX, XXXX, AND EQUIFAXXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. As you sold this debt to another company also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Brock & Scott, PLLC
State: FL

Complaint narrative:
Brock & Scott PLLC, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX, has failed to serve me in the foreclosure case and I have had to go to evidence just get records that show.my name bc they refuse. 

Brock & Scott PLLC,, has had their attorneys repeatedly lie to the courts, etc. Their attorneys also repeatedly make excuses, provide no information and/or in-accurate information for their own benefit. 

They did not even inform the mortgage company bankruptcy department I was back in bankruptcy court and not foreclosure court currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my XXXX  well-being, disrupting my sleep and peace of mind.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I have composed this complaint based on Collection Management furnishing information that is tarnishing my creditworthiness, emphasizing the necessity for both parties to operate in good faith. I have operated in good faith and will continue to do so. I expect Collection Management to demonstrate the same courtesy. Im going to take the time to educate Collection Management on consumer laws.

According to 15 USC 1681a ( f ), the term consumer reporting agency means any person who, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and who uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Did you catch the part about engaging in whole or in part? I sure did. By the federal definition I have kindly provided, Collection Management is a consumer reporting agency furnishing my consumer information to third parties, including XXXX, XXXX, and XXXX, which are also consumer reporting agencies. XXXX, XXXX, and XXXX are third parties due to the simple fact that they are separate entities from I the consumer and Collection Management.

Furthermore, since Collection Management is federally categorized as a credit reporting agency under 15 USC 1681a ( f ), my written instructions as the consumer must be followed without further delay. The written instructions of the consumer trump all forms of permissible purpose. Let me reiterate, I am invoking my rights under 15 USC 1681b ( a ) ( 2 ). I am giving clear instructions to Collection Management to delete its tradeline from my consumer report. Furthermore, now that I have educated Collection Management on its proper legal role as a consumer reporting agency under 15 USC 1681i ( a ) ( 1 ) ( a ), Collection Management has to launch an investigation into my dispute and disclose the results of the investigation no later than 30 days from receipt of this complaint. Failure to launch an investigation and follow my written instruction will be willful non-compliance under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), and under this provision, I am entitled to {$1000.00} per violation. Needless to say, Collection Management has racked up quite a few violations. I expect my written instructions to be followed immediately! I am fed up with Collection Managements actions that are directly affecting my reputation and creditworthiness. Let me remind Collection Management that we are communicating through a government agency website. Please keep in mind what I said earlier about operating in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: IL

Complaint narrative:
The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my XXXX  well-being, disrupting my sleep and peace of mind.

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 2024-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US Bank is offering lower interest rates then current market rates to borrowers purchasing homes with preferred builders. They are giving higher rates to borrowers that dont purchase with their preferred builder relationships, not to mention they offer closing cost credit to borrowers who are NOT current customers if they open a checking and savings account. They do not offer these same credits to customers that currently hold accounts with them.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-07 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
As of XXXX i had a XXXXXXXX XXXX in which I was charged almost XXXX dollars the engine caught on got repoed once it was towed they sold the sell which made me responsible for remainder of balance the car was a lemon from jump the car barely made it a year I didnt understand what I was signing when I purchased the car I put down XXXX and the note was XXXX a month now Im being garnished for the rest of my life

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 2024-03-07 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: FL

Complaint narrative:
I was checking my credit report the other day I've noticed I got XXXX fraudulent inquires on my credit report I contacted Equifax they told me to get in touch with the creditors I've contacted them they said they don't have any of my information on file I called and made disputes to their web site they still haven't removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I received a car loan through credit acceptance with an XXXX of I believe 23.99 %. I was unable to pay although I tried paying ahead which they applied my payment to something else and ended up voluntarily giving the vehicle back. This vehicle remains on my credit 10 years later and is effecting me from getting a new car. I tried to settle with them and they sent me to their lawyer for a almost 10 year old 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 2024-03-07 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 kindly ask for the prompt removal of the public record from my credit report and necessary adjustments to be made. Supporting documentation has been attached to facilitate this request, and I thank you for your prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To whom it may concern, My name is XXXX XXXX. Im requesting assistance with getting this account resolved. I have been trying to speak with someone however Ive been getting the round around. During the pandemic XX/XX/XXXX, I received a letter from XXXX XXXX offering me an opportunity to settle my account for less than the amount owed. The agreed amount was {$1200.00}. I paid that amount on my XXXX ending in XXXX. It was posted to my account as XXXX XXXX on XX/XX/XXXX I contacted XXXX XXXX and I spoke with Rep XXXX on Tuesday XX/XX/XXXX. I advised him that I wanted to settled the account based on the letter I received. It was understood and recorded, I even spoke my name and authorized the payment to be debited for the purpose of settlement. After the payment was taken from my account, I waited for a receipt in the mail along with the letter stating my account had been settled based on then information of the Customer Service representative. It never came. I disputed on my credit report and the only thing happened was the amount updated. None of my credit reports are accurate regarding XXXX, the payment and overall history is inaccurate. This account is affecting my livelihood. My employment is contingent on a clean credit file. I can NOT have this account reporting negatively or my employment is in jeopardy.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
It is concerning to find an error indicating a late payment on my account, given my consistent adherence to payment deadlines. This inaccuracy is generating unnecessary stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Hi this is less of a complaint and more of a verification request. Is www.ChexSystems.com a real and legitimate company? I was about to register for an account, when I saw all of the in-depth questions they required just to open an account. That prompted me to use their password reset function, to see if I already had an account. When I use my personal e-mail in the password reset, it pulls up a number and e-mail I do not recognize. The website takes me from www.chexsystems.com to a XXXX XXXX 

This led me down a rabbit hole, and now I'm not sure www.ChexSystems.com is legit. You can make up any e-mail address and it will return a # and email to trigger a password reset. I'd like to register to check for any rouge bank accounts, but this website/business looks very sketchy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation