vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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:
You failed to re-investigated and I am in disagreement with all the inaccuracies report to the credit agencies. You have violated my consumer rights in accordance with the Fair Credit Reporting Act. This XXXX XXXX account charged off as of XXXX 2020 and it is currently reporting as charged off XXXX consecutive months which falsely manipulates the statue of limitations. You failed my previous request to fix this issue. This account shows inaccurate status paid with XXXX, paid with XXXX and derogatory with equifax. 
Again this account is not accurate among the XXXX bureaus, you failed to re-investigate this account properly and you neglect has violated my rights. I demand a deletion of the following account. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: DE

Complaint narrative:
I have canceled my loan in due time within the seven business cancelation period. I have done my duties in time to follow through with the cancelation. OneMain financial has done everything in their power to procrastinate the process by giving several excuses on why the can't cancel a loan I no longer wanted. They got refunds from my credit card companies they sent payments to. They would not fully comply on attempting to get a refund from my original title holders for my vehicle. They have been instructed several times on how to get the refund from my original title holders themselves. OneMain financial has been giving multiple excuses and run arounds about how they can not put the original title holders name back on to the title even after being instructed on to how to receive a refund. They had the representative call me on XXXX  XX/XX/XXXX and state that they need me to come to the office and sign a power of attorney to put the vehicle back into the original titles holders name which is XXXX XXXX. I went to the office to sign. Then I received a phone call on XX/XX/XXXX about how they can not put the title back into XXXX XXXX name. Onemain financial had the ability to put the title in their name. But is claiming they can't take it out. OneMain financial is trying to force me into keeping a loan in which I've canceled within their documented grace period and now OneMain states that they are keeping the Title to my car even after numerous attempts of following their guidelines into reverting the tittle back to my original debtor THUS TO NO AVAIL. Now I'm binded into a loan AGAINST MY WILL which is a violation of my Constitutional Rights. I went over the terms of my current loan situation and they have adjusted a loan agreement I did not apply for. The XXXX dollar advance I returned for the loan to be canceled was taken and my credit cards that was refunded won't be paid off. Onemain wants to hold the title to my car and submit terms on a new loan adjustment I haven't applied for or agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: DISCOVER BANK
State: MS

Complaint narrative:
Enclosed, please find supporting documents regarding my formal complaint against Discover Financial Services regarding an issue I encountered while attempting to address an unauthorized inquiry on my consumer report. The matter in question pertains to a Notice of Dispute that I attempted to send to Discover Financial Services but was returned to me due to an invalid forwarding address listed as contact information on my report. 

On XX/XX/year>, upon reviewing my consumer report, I discovered an unauthorized inquiry made by Discover Financial Services. Concerned about the implications of this inquiry, I promptly decided to file a Notice of Dispute as per my rights under the Fair Credit Reporting Act ( FCRA ). However, my attempt to reach Discover Financial Services through the provided contact information were futile as the correspondence was returned to me citing an invalid address.

Enclosed are the following supporting documents : 1. Listing of unauthorized inquiry on my consumer report.

2. Notice of Dispute 3. Proof of undeliverable correspondence indicating the invalid address provided by Discover Financial Services.

These documents serve as evidence of the challenges I faced while attempting to address this matter with Discover Financial Services. It is alarming to realize that the contact information listed on my consumer report, purportedly belonging to a reputable financial institution like Discover Financial Services, is outdated or invalid. Such oversight not only obstructs consumers ' ability to address issues promptly but also raises questions about the reliability and accuracy of the information provided by credit reporting agencies.

Moreover, the unauthorized inquiry made by Discover Financial Services adds further distress to this situation. As a consumer, I expect transparency and accountability from financial institutions regarding any inquiries made on my credit report. Discover Financial Services ' failure to provide a valid contact address impedes my ability to address this matter efficiently and protect my rights as a consumer.

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions to ensure that Discover Financial Services updates their contact information promptly to facilitate communication with consumers. Additionally, I request that measures be taken to address the unauthorized inquiry on my consumer report and prevent similar incidents from occurring in the future.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take necessary steps to uphold consumer rights and hold financial institutions accountable for their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I am disputing this collection agency XXXX XXXX XXXX the amount of {$8100.00}, I do not have a contract with them. XXXX, I know where they got this loan from. I need the original contract date opening payment made. It was reported on my credit reports and have no contact with this collection agency. I want them to remove it immediately it's in the packing of my credit score account # XXXX it is reported as collection and charged off, next is the Cavalry portfolio collection agency They are collecting. for an account that was XXXX XXXX  and closed XXXX XXXX XXXX XXXX XXXX XXXX  it's still harassing me and calling me and sending me mail I want them to stop harassing me and remove all collection and charges from my credit report account # XXXX amounting to {$3200.00} the original loan amount was {$2000.00} I would like them to provide your original contracts with XXXX. XXXX XXXX was closed for a long time. I don't have any contact with them. Cavalry portfolio agency. This accounts. I don't even have the original anymore because he has been popping since XXXX  I don't have any documents of all the XXXX doses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I have consistently ensured that payments on this account are made on time, never allowing them to become overdue. However, I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

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 2024-05-16 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: NC

Complaint narrative:
There are reports of transactions and experiences on my credit report that was not provided by me. nor did I give consent. 

Please see attached

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Bureau of Fort Walton Beach, Inc
State: NC

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: SC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: FL

Complaint narrative:
Recently, I reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report. These accounts are not mine, and I have no connection to them. Since they are negatively affecting my credit score and my ability to rebuild it, I kindly request that you remove these fraudulent accounts from my credit report. 

This request is made under the Fair Credit Reporting Act, which protects me from inaccurate or misleading information in my credit report. 

I am attaching copies of the necessary documents to verify my identity and support my request. Please let me know the status of this claim as soon as possible

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 2024-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
Accident happened in XX/XX/year>, and other party is at fault, Insurance company name XXXX XXXX, Claim # XXXX XXXX to XXXX I went to see doctor at XXXX XXXX XXXX - XXXX called and left me a message XXXX they received a XXXX  bill from XXXX XXXX for {$2600.00} at {$8000.00} pending for the treatment and they may possibly deny this XXXX  for no mechanism for injury per damage. I then notified the doctor and office at XXXX XXXX about a message from XXXX and they told me they are going to contact XXXX and take care of it in the meantime. The office still scheduled me to see doctor for next couple weeks and released me after that with no finance or medical bill responsibility. 
XXXX - This was more than XXXX years since my last visit there. XXXX XXXX contacted me by XXXX  with XXXX attachment that I owed them {$3700.00} which I have never been notified about. I then called XXXX to find out why a XXXX XXXX was not paid and the insurance company declined my claim since the case has been past XXXX  years and closed. So it is fully the XXXX XXXX 's error that they did not notify me within XXXX years that they could not get the money from the insurance company and while the claim was still disputable. 
XXXX - On this day, I received the XXXX XXXX letter from IC System with the amount of {$3700.00}. I called the IC System and asked if they could provide me any documents that I signed with my financial responsibility, but they declined to do so. They told me I had to pay for it myself, if I received the treatment. Since it was not my fault, XXXX should have paid for it. XXXX XXXX should have contacted me XXXX months after my treatment, so I can work with XXXX to XXXX them paid, but they did not contact me at all after XXXX years. In conclusion, XXXX XXXX did not do their job, and therefore, it is their responsibility to offset the cost and remove the amount of {$3700.00} posted in my credit bureau report

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 2024-05-16 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: PA

Complaint narrative:
I believe FCRA 605B necessitates the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, including incorrect amounts and dates.

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 2024-05-16 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: TX

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 2024-05-16 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: VA

Complaint narrative:
This is my follow up complaint i filed last XXXX  days ago, My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 


XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance 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
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: CA

Complaint narrative:
Ive tried disputing all items on my credit reports ive sent letters since XXXX to they've sent back letters saying iv'e been verified however I need these items removed. Ive asked for debt vallidation original contracts pay histories and dates from these agencies and gotten no response! per usc1681i 15 usc code 1681S-2 15 usc 1692g

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 2024-05-16 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: NY

Complaint narrative:
Despite my earlier correspondence, it appears that the issue has not yet been resolved. 
The presence of these late open accounts on my credit report is causing significant distress and negatively impacting my financial standing. It is crucial that we take immediate action to rectify this situation and ensure the accuracy and integrity of my credit report. 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your prompt attention to this matter is necessary to comply with these legal obligations. I kindly request that you escalate this issue and take all necessary steps to correct the late open accounts in my credit file. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. With this, I am asking for your assistance to correct the accounts : DP OF EDUC XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX DP OF EDUC 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 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of XXXX XXXX. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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