vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I looked at my report and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent a letter asking them to reinvestigate these accounts listed below because. 

XXXX XXXX date is not reporting correctly, date last active, date of last payment is not correct. This account it not accurate. 

XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct. This account it not accurate. 

I have also received your computer generated letter stating investigation of my credit reports because, in your opinion was sent by a third-party credit repair agency. Not only do I be this was strategy to grant you an additional 30 days. I also believe it to be a blatant violation of the FCRA. I provided my state issued ID, Social Security card as well proof of residence so that it would be no confusion. ThatI questioned the accuracy of a few items quest was written by me and mailed by me not third-party agency or anyone else. Please stop with thestall tactics.

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 2024-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has repeatedly called me and my mom, leaving voicemails for myself. Its obvious that my personal information has been shared with this collection company because I have no contract with this particular company nor have I ever granted them permission to contact me by verbal, non verbal, written, non written. Nor have I even granted them permission to reach out to my mom 's mobile number. This is a violation of the Privacy Act because my non public personal information was shared with them without my consent. I've also confirmed that this collection agency isn't accredited with the XXXX, they aren't license with the state of North Carolina to collect on anything, and I was also unable to pull them up on XXXX. I am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/year> ( twice ), and XX/XX/year> and stated you wanted to discuss a matter you received. Please supply the information below in writing so that I can be fully informed : 1. Please provide copy of contract showing that I legally owe and obligated to pay you a debt. 2. Your license number as a debt collection agency and proof that you are licensed to collect in the state of North Carolina. Provide the date of the license, name on the license, the name/address/telephone number of the state agency issuing the license. 3. Have you made a determination that this debt is within the North Carolina statue of limitation applicable to it? Tell me when you think the status of limitations expires for this debt, and how you determined that. Effective immediately, you are to no longer contact me by landline phone, mobile phone nor reach out to anyone related to me verbally, non verbally nor written. Your only form of communication to me is in writing only. Effective immediately, I opt out of you sharing my information verbally, non verbally, written or otherwise with consumer reporting agencies, marketing companies, financial institutions, or any type of commercial organizations. My financial information and payment history is non public personal information that you are not to share with anyone without my expressed/written consent because it is protected by the Privacy Act, GLBA, FCRA and FTC. Any violation of these laws will result in legal action against you and the client from which you obtained my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: C&I Financial, Inc.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: MS

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: TX

Complaint narrative:
XXXX XXXX  ( XXXX XXXX XXXX  ) # XXXX {$15000.00} The above account is not mines. I have asked the credit bureau to remove this account over 5 times. I have no knowledge of this account. FRCA states everything reporting should be 100 % accurate and true. Please remove this account from my report. THIS IS NOT MINES

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 2024-06-04 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: TX

Complaint narrative:
XXXX XXXX  ( XXXX XXXX XXXX  ) # XXXX {$15000.00} The above account is not mines. I have asked the credit bureau to remove this account over 5 times. I have no knowledge of this account. FRCA states everything reporting should be 100 % accurate and true. Please remove this account from my report. THIS IS NOT MINES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-06-04 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: Global Lending Services LLC
State: AZ

Complaint narrative:
I received an email from global lending services on XX/XX/year> stating that I was declined for a loan I never applied for. I did not sign up for a loan with global lending services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IA

Complaint narrative:
My loans are part of the XXXX XXXX XXXX case. Per the settlement agreement loans pertaining to the case are supposed to be cleared from the credit report by the end of XX/XX/year>. I filed a dispute where it came back that the loans were correct. My loans are still being processed for discharge per the settlement agreement. The balance is incorrect. The deadline for discharge per the settlement agreement has passed. Interest is being reported to the credit bureaus for the loans which is still impacting my credit score which is a violation of the settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: MA

Complaint narrative:
Per FCRA Regulations, creditors/collectors are required to include Original Creditor Name. This required information is not provided by Credit Corp Solutions for 2 collection accounts with balance of XXXX opened XX/XX/XXXX and {$3500.00} opened XX/XX/XXXX. 

I have written to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX requesting a Debt Validation Letter for both collection accounts. Credit Corp Solutions did not respond to either request and provide requested information. 

Please remove both collection accounts from my Equifax credit report given this creditor is violating my rights under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
Dear Credit Bureau, I am writing to bring to your attention an inaccuracy in the reporting of my account with XXXX XXXX. According to my credit report, there have been instances where I have been reported as late on this account. However, I want to clarify that I have never been late on payments for this account. 
I request that you remove the late payment reporting from this account and update it to reflect my accurate payment history, which is consistently on time and current. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD I urge you to conduct a thorough investigation into this matter and take the necessary steps to correct the erroneous information on my credit report. Furthermore, I request that a full credit report showing these deletions be provided to me after the investigation has been completed. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
Dear Credit Bureau, I am writing to bring to your attention an inaccuracy in the reporting of my account with XXXX XXXX. According to my credit report, there have been instances where I have been reported as late on this account. However, I want to clarify that I have never been late on payments for this account. 
I request that you remove the late payment reporting from this account and update it to reflect my accurate payment history, which is consistently on time and current. 
Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD I urge you to conduct a thorough investigation into this matter and take the necessary steps to correct the erroneous information on my credit report. Furthermore, I request that a full credit report showing these deletions be provided to me after the investigation has been completed. 
Thank you for your attention to this matter. 
Sincerely, 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 2024-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have never let payments on this account become overdue, always ensuring they are made on time. I don't understand the reports of late payment remarks on my accounts. Under 15 USC 1666b, billing errors need to 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 non-monetary relief
Consumer complaint received 2024-06-04 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: IL

Complaint narrative:
Account name XXXX department of education XXXX XXXX XXXX XXXX indicates that this account does not belong to me. 


Account name Missouri department of education XXXX XXXX XXXX XXXX indicates that this account does not belong to me. 

My accounts are frozen, please investigate further no accounts should be opened under my name. 

Please remove these accounts immediately as I did not authorize these accounts. And they do not belong to me. 


Please investigate Thank you Best and kind regards Sincerely 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 2024-06-04 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: LA

Complaint narrative:
Greetings, there appears to be a perpetual mishandling of my credit score by XXXX. Such mishandling spurs a " ripple-effect '' throughout the credit report agencies. Between the month of XXXX and XXXX, my credit score dropped from XXXX, XXXX, and currently XXXX. My credit score is released via my bank ( XXXX XXXX  ) and will there was a credit and inquiry freeze set up with all three credit reporting agencies in XXXX. XXXX continues to monitor my credit and misappropriate my credit score via misinformation. Credit pull reveals an incorrect mortgage amount of {$XXXX} from mortgage holder, XXXX XXXX XXXX. The actual amount owed is {$XXXX}. There is no late payment attached to such amount last reported to XXXX. I spoke with credit wise when my score was dropped from XXXX to XXXX and there was not a creditable reason. My credit cards are paid in full on date due thus no history of credit card debt. In the past, XXXX  has failed to update my credit score without propaganda on purchasing items that will provide access to my credit score via XXXX, XXXX, or 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 2024-06-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-06-04 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX C/O XXXX XXXX XXXX XXXX, SC XXXX Number XXXX Original Creditor XXXX XXXX XXXX XXXX A Please provide verified information from original creditors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-06-04 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXXXXXX XXXX per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: FL

Complaint narrative:
I am XXXX XXXX, and I wish to clarify that this message is being sent independently and not on behalf of any third party. Recently, I conducted an examination of my credit report, which caused significant distress upon discovering unverifiable, invalidated, inaccurate, and questionable entries. Your agency, tasked with ensuring the accuracy of consumer reports, has not fulfilled its obligation to ensure that the reported information is entirely accurate.

In accordance with 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to implement reasonable procedures to guarantee the utmost accuracy of information pertaining to individuals in the consumer reports they generate.

As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts and items listed in my dispute letters attached. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: PR

Complaint narrative:
I WAS IN XXXX FOR VACATION IN XXXX, MY XXXX WAS STOLEN ( PICKPOCKETED ) IN THE XXXX. I HAD TO CARD LINK TO MY APPLE WALLET, THE APPLE CARD, AND THE XXXX XXXX CARD. THE THIEVES HAD ACCESS TO MY APPLE CARD AND MADE 4 " PURCHASES '' FOR THE AMOUNTS 1 ) {$480.00} 2 ) {$480.00} ) {$1200.00}, 4 ) {$1200.00}. THEY ALSO HAD ACCESS TO MY XXXX XXXX CARD, BUT THE COMPANY RESPONDED PRONTLY. I FILED A COMPLAINT THE NEXT DAY, CHANGED MY APPLE ID, REPORTED THE PHONE WAS STOLEN SUSPENDED MY APPLE CARD. THE GOLDMAN SACHS BANK " INVESTIGATED '' MY COMPLAINT AND THEY CHARGED BACK TO MY CARD THE FRAUDULENT CHARGES. I COMPLAINED ONCE MORE BUT THEY ARE ONLY INVESTIGATING XXXX OF THE 4 CHARGES. I TEXTED THEM VIA THE APPLE APP, ASKED TO TALK TO THE FRAUD DEPARTMENT, THE PERSON IN CHARGE, THEY DID NOT GIVE ME ANY INFORMATION, I ASK FOR THE BUSINESS THAT CHARGED THE FRAUD, NO EXPLANATION, I ASKED TO SEE THEIR RECEIPT, WHAT CITY IS THIS BUSINESS FROM, WHAT TYPE OF BUSINESS IS, IF THEY HAVE MORE COMPLAINTS, ABOUT THEM OR THERE ARE REPORTS OF THAT BUSINESS AND THEY DONT PROVIDE ANY INFORMATION.

Company response to consumer: Closed with explanation