vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 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: IL

Complaint narrative:
The bureau has done nothing to resolve any issue that I have presented to them at any time. Investigations have been longer than 30 days and no communication or resolve has been received. They violated FCRA laws 15USC1681 ( e ) ( b ) and have not ensured that my credit report shows accuracy at the maximum level. They further continue to violate FCRA 15USC1681b by reporting information that does not belong on my report. I feel completely violated and want remedy now.

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 2024-09-08 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: CA

Complaint narrative:
Ive submitted this paid account and paid it in full, as the consumer it should reflect my positive payment history. The account was disputed in error and should reflect a peptide payment history. Please see attachment

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 2024-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive submitted this paid account and paid it in full, as the consumer it should reflect my positive payment history. The account was disputed in error and should reflect a peptide payment history. Please see attachment

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 2024-09-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive submitted this paid account and paid it in full, as the consumer it should reflect my positive payment history. The account was disputed in error and should reflect a peptide payment history. Please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Tower Loan of Central XXXX XXXX XXXX XXXX, XXXX XXXX La XXXX XX/XX/year> Dear Gulfco of Louisiana, XXXX Tower Loan of Central, This letter is to formally notify you that this is to serve as my Do Not Call Request and that I have also filed complaints with the ( CFPB ) The Consumer Financial Protection Agency, The State Attorney General and the XXXX XXXX XXXX  based on your aggressive and harassing phone calls to Me XXXX XXXX, my friends and family on all different days, times and hours including weekends and including mail correspondence from your attorneys. Please stop this harassment immediately because it is my right under the FDCPA, TCPA and the FCRA to file a lawsuit in order to collect statutory damages. It is my sincere desire to eventually pay my debt at a future time when it is possible, I am certain my financial circumstances will change and will allow me to again make payments. 
Sincerely XXXX XXXX acct # Please send any future correspondence to my attorneys XXXX, XXXX XXXX XXXXXXXX, 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 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NV

Complaint narrative:
on XX/XX/year> at XXXX, I called chime to close my checking account and a representative told me my account couldn't be closed because of a verification process. I told the representative that chime had no right to keep my account open regardless of any reason, and the representative kept ignoring me and said I have to go through the verification process. I recently filed a complaint with chime on the representative that ignored my answer of no when she insisted and recommended my account to be placed on lock and would need to be accessed after going through the verification process, on XX/XX/year>. I want my checking account closed and funds transferred to another banking institution because I'm trapped in another state after my chime debit was stolen and need my checking account funds to go back home. I've been stuck in XXXX XXXX since XX/XX/year>, because my drivers license was also stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: OH

Complaint narrative:
These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$46000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX Finance Date Opened XX/XX/XXXX Balance {$46000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: TX

Complaint narrative:
XXXX, XXXX, & Equifax continue to report the account XXXX Account # XXXX on my report and it is reporting inaccurately. There are several inconsistencies within the account which means it is not being properly validated. 

High Balance : {$1500.00} {$1500.00} {$1000.00} Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type : Home Electronics Sales and Service Miscellaneous Finance Sales Financing Creditor Remarks : Charged off as bad debt Profit and loss write-off loss aid balance it sared as a Charged off account Secured Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am filing a complaint regarding a charged-off account from XXXX that is being inaccurately reported on my credit report. The account is listed with inconsistent information across the three major credit bureaus ( XXXX, Equifax, and XXXX ), which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2. Creditors are required to furnish accurate and consistent information, and the discrepancies in how this account is reported are causing damage to my credit profile. 

Under FCRA, I request that this account be deleted from my credit report due to the inconsistencies and failure to maintain accurate reporting. I have disputed this multiple times with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, Experian, & XXXX continue to report the account XXXX Account # XXXX on my report and it is reporting inaccurately. There are several inconsistencies within the account which means it is not being properly validated. 

High Balance : {$1500.00} {$1500.00} {$1000.00} Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type : Home Electronics Sales and Service Miscellaneous Finance Sales Financing Creditor Remarks : Charged off as bad debt Profit and loss write-off loss aid balance it sared as a Charged off account Secured Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am filing a complaint regarding a charged-off account from XXXX that is being inaccurately reported on my credit report. The account is listed with inconsistent information across the three major credit bureaus ( Experian, XXXX, and XXXX ), which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2. Creditors are required to furnish accurate and consistent information, and the discrepancies in how this account is reported are causing damage to my credit profile. 

Under FCRA, I request that this account be deleted from my credit report due to the inconsistencies and failure to maintain accurate reporting. I have disputed this multiple times with no resolution.

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 2024-09-08 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: IL

Complaint narrative:
The bureau has done nothing to resolve any issue that I have presented to them at any time. Investigations have been longer than 30 days and no communication or resolve has been received. They violated FCRA laws 15USC1681 ( e ) ( b ) and have not ensured that my credit report shows accuracy at the maximum level. They further continue to violate FCRA 15USC1681b by reporting information that does not belong on my report. I feel completely violated and want remedy now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I have contacted the XXXX XXXX XXXX repeatedly over time to try and settled my alleged debt with them. My calls and proposals continuously go unanswered, until suddenly, Im being served paperwork for a lawsuit. I was served once ; and contacted them immediately to resolve this. They do not keep up with clients at all, they do not have autopay for payment plans, they do not send monthly bills or payment reminders, they do not send monthly statements, therefore keeping tracking of payments and due dates is impossible due to the lack of infrastructure on their website. The second time I found out they were suing me, they had gotten a judgement against me to levy my bank account- I was not notified of any delinquent payments on my plan, I was not notified of the new lawsuit, I was not notified of the bank levy, I was only made aware by a law firm offering their legal services to me with the public record from the local courthouse. I notified them immediately that they did not have the right to levy my account as it is shared with a third party, and has protected funds in it. They instead opted to pursue another payment plan. I have repeatedly proposed and called and sent letters about settling the debt- with no answer. They have not properly notified me of my debts in the amount or status of the debt and have also failed to notify me of pursuing legal action. They are unresponsive to most requests and this seems to be a common complaint amongst their XXXX reviews. 
The photo below shows XXXX occasions I was supposedly served on- XXXX of which ( XX/XX/year> ) which is incorrect. I was never served or notified of a bank levy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
XXXX. **Incomplete Data : ** - **Status** : There is no status provided for the account ; this field is blank.

- **Company Sold** : The field seems incomplete. It could be missing details such as the name of the company that purchased the debt, if it was sold to another entity.

- **Balance** : While the balance shows " {$670.00}, '' it's unclear whether this was the original balance, the balance after settlement, or the remaining balance at the time of reporting. 
- **Terms** : The terms are left empty. This usually includes information like the payment terms, such as " 12 months '' or " revolving. '' 2. **Inaccurate or Unclear Information : ** - **Paid Off** : The statement " Account paid in full for less than full balance '' suggests that the debt was settled, but the report does not explicitly clarify that the balance is now {$0.00}. If it was settled, the balance should reflect {$0.00}.

- **Last Payment Date** : The last payment is marked as " XX/XX/year>, '' but the " Balance Updated '' date is " XX/XX/year>, '' which could suggest the balance wasnt updated immediately after payment. 
- **Responsibility** : The term " 1 Month Individual Responsibility '' seems confusing. Typically, responsibility would state whether the account is " Individual '' or " Joint, '' and " 1 Month '' may not be relevant here.

- **Debt Buyer** : If the account was sold, the name of the company that bought the debt is missing.

3. **Consumer Statement** : - The phrase " ITEM IN DISPUTE BY CONSUMER '' indicates that this account is disputed, but there is no further information regarding what is being disputed or the resolution status. It may be helpful to clarify whether this is still under review or if the dispute was resolved.

Ensuring that these details are complete and accurate on a credit report is essential for clear and accurate reporting. If any of this data is inaccurate, it might warrant correction through the appropriate reporting channels.

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Request for Re-investigation and Removal of Incorrect Bankruptcy Listing on Credit Report I am writing to follow up on my previous complaint regarding the inaccurate reporting of a bankruptcy on my credit report by [ TRANSUNION ). Despite being verified, the bankruptcy entry remains a clear and direct violation of the Fair Credit Reporting Act ( FCRA ). I urge a thorough re-investigation and immediate removal of this incorrect entry. 
US BANKRUPTCY COURT Account Number : XXXX XXXX. Persistent Inaccuracy Despite Verification : The bankruptcy entry on my credit report is inaccurate. Despite my previous complaint and the so-called verification process, this error persists. This not only causes substantial harm to my financial status but also undermines my rights under the FCRA. 

2. Re-Evaluation of Privacy Rights Under FCRA : Under 15 U.S. Code 1681 ( 4 ), I am entitled to privacy and accuracy in my credit reporting. Re-reporting and verifying flawed information without thorough investigation contravene this statutory protection.

3. Questionable Permissible Purpose : According to 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies must have a verifiable permissible purpose to disclose my credit information. The maintenance and dissemination of inaccurate bankruptcy information do not meet this requirement and imply a serious oversight in due diligence.

4. Inadequate Re-investigation Process : The current verification does not align with the requirements of 15 U.S. Code S 1681 ( a ), which mandates a comprehensive and meaningful re-investigation of disputed information. The inadequate and superficial verification process has perpetuated this critical error on my credit report.

The persistence of this erroneous bankruptcy entry on my credit report despite prior verification is unacceptable and a clear violation of FCRA. I trust that the CFPB will prioritize this follow-up complaint, enforce compliance with FCRA regulations , and guarantee a swift and fair resolution. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, 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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Subject : Formal Request for Re-investigation and Removal of Incorrect Bankruptcy Listing on Credit Report I am writing to follow up on my previous complaint regarding the inaccurate reporting of a bankruptcy on my credit report by [ TRANSUNION ). Despite being verified, the bankruptcy entry remains a clear and direct violation of the Fair Credit Reporting Act ( FCRA ). I urge a thorough re-investigation and immediate removal of this incorrect entry. 
US BANKRUPTCY COURT Account Number : XXXX XXXX. Persistent Inaccuracy Despite Verification : The bankruptcy entry on my credit report is inaccurate. Despite my previous complaint and the so-called verification process, this error persists. This not only causes substantial harm to my financial status but also undermines my rights under the FCRA. 

2. Re-Evaluation of Privacy Rights Under FCRA : Under 15 U.S. Code 1681 ( 4 ), I am entitled to privacy and accuracy in my credit reporting. Re-reporting and verifying flawed information without thorough investigation contravene this statutory protection.

3. Questionable Permissible Purpose : According to 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies must have a verifiable permissible purpose to disclose my credit information. The maintenance and dissemination of inaccurate bankruptcy information do not meet this requirement and imply a serious oversight in due diligence.

4. Inadequate Re-investigation Process : The current verification does not align with the requirements of 15 U.S. Code S 1681 ( a ), which mandates a comprehensive and meaningful re-investigation of disputed information. The inadequate and superficial verification process has perpetuated this critical error on my credit report.

The persistence of this erroneous bankruptcy entry on my credit report despite prior verification is unacceptable and a clear violation of FCRA. I trust that the CFPB will prioritize this follow-up complaint, enforce compliance with FCRA regulations , and guarantee a swift and fair resolution.

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, 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 2024-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander fraudulently misrepresented material facts about the nature of this transaction. My endorsement on the commercial contract is what gave value. Santander then presented the collateral to the bank for cash value and then tricked me into signing and taking on their liability. Why didnt Santander state this would happen? They then repossessed the vehicle because they tricked me into signing a security agreement knowing that I wasnt indebted but wanted more money.

Company response to consumer: Closed with explanation