vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 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: CA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2024-12-01 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: NY

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Equifax : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: IL

Complaint narrative:
On XX/XX/XXXX I sent an affidavit to XXXX XXXX  requesting the signed contract, authorized representative for the company, irs forms that was filed or that need to be filed to cancel the debt XXXX, XXXX and XXXX. And to update my consumer credit report. I have not received any response or updates. Attached is a copy of my affidavit.

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent an affidavit to XXXX XXXX requesting the signed contract, authorized representative for the company, irs forms that was filed or that need to be filed to cancel the debt XXXX, XXXX and XXXX. And to update my consumer credit report. I have not received any response or updates. Attached is a copy of my affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent an affidavit to XXXXXXXX XXXX requesting the signed contract, authorized representative for the company, irs forms that was filed or that need to be filed to cancel the debt 1099OID, 1099A and 1099C. And to update my consumer credit report. I have not received any response or updates. Attached is a copy of my affidavit.

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 2024-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: MS

Complaint narrative:
Debt Collector : Security Credit Services XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Account Number XXXX {$1000.00} I received numerous letters from them about this debt. I was not provided with the original signed contract with my signature nor was I provided with apayment history associated with the account or proof of ownership of this account or verification of the original creditor. 

According to law 15 USC 1692 CC, " If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication. Therefore, reporting to my consumer report is a form of communication. 
I have made attempts to dispute on my credit reports but it hasn't been removed from either of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 non-monetary relief
Consumer complaint received 2024-12-01 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: CA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NC

Complaint narrative:
Experian, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX are all in willful violation of FCRA 1681N due to discrimination practices and failing to closely monitor identity theft. I informed all of possible identity theft and three times my wallet was stolen with all my information including bank account numbers and social security cards. I reported this information to the above stated names but nothing was done. A fraudulent company requested my information to the above said names and not only did the companies above provide my information, the fraudulent company ( The XXXX XXXX XXXX ) accessed my account and added themselves as my place of employment.15 USC 1681B I did not get paid by the company and they have access to all my information. XXXX XXXX XXXX was also added right afterwards as my place of employment. I have security freeze on all three credit bureaus but other places of employment still accessed information. Experian continues to charge me XXXX for being a member but I did not sign up for anything to be charged. I have so many hard inquiries from a dealership sending out multiple request for credit on my account. They also provide false information. My privacy rights have been violated and I demand something be done or I will start lawsuit. 18 USC 1028 please advise or assist.

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 2024-12-01 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: GA

Complaint narrative:
I am XXXX XXXX, SS XXXX XXXXXXXX, XXXX XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) that you, the EQUIFAX credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Personal Credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account at XXXX XXXX ( XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Auto loan account opened at XXXX XXXXXXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) on XX/XX/XXXX under the account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NY

Complaint narrative:
I TRIED TOO GET AN APARTMENT AND COULDNT GET BECAUSE OF MULTIPLE ACCOUNTS ON MY CREDIT REPORTS

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 2024-12-01 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: NY

Complaint narrative:
I TRIED TOO GET AN APARTMENT AND COULDNT GET BECAUSE OF MULTIPLE ACCOUNTS ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NY

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : [ XXXX XXXX ] [ XXXX ] TransUnion : [ XXXX ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-12-01 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:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX | presume that no proof of tge alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX. {$66.00}, XXXX XXXX XXXX XXXX. {$160.00}XXXX XXXX XXXX XXXX XXXXXXXX. {$27000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: CT

Complaint narrative:
I sent certified mail to the Credit reporting agency to investigate incorrect, invalid, and impermissible information pertaining to my credit report regarding a XXXX  XXXX account with the account number - XXXX. After conducting a full investigation I was told the referred account has not been changed and will remain on my credit report. Earlier this year I made a complaint to the CFPB about this same company furnishing all of this invalidated data without my written consent. I, The consumer should be protected under SECTION 15 United States Code 1681 in its entirety. The negligence to uphold these standards and willful non compliance to maintain accurate reporting is extremely disheartening as it is very damaging to my reputation causing me extreme stress, mental anguish, and making it very difficult for me to maintain financial stability. I have attached proof to validate my claims. Please investigate this matter immediately. Thank you for your time.

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 2024-12-01 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: CT

Complaint narrative:
I sent certified mail to the Credit reporting agency to investigate incorrect, invalid, and impermissible information pertaining to my credit report regarding a XXXX XXXX account with the account number - XXXX. After conducting a full investigation I was told the referred account has not been changed and will remain on my credit report. Earlier this year I made a complaint to the CFPB about this same company furnishing all of this invalidated data without my written consent. I, The consumer should be protected under SECTION 15 United States Code 1681 in its entirety. The negligence to uphold these standards and willful non compliance to maintain accurate reporting is extremely disheartening as it is very damaging to my reputation causing me extreme stress, mental anguish, and making it very difficult for me to maintain financial stability. I have attached proof to validate my claims. Please investigate this matter immediately. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Complaint Against Equifax for Reporting Inaccurate and Outdated Information Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax, a consumer reporting agency, for their failure to accurately report information on my credit report and for not addressing my dispute in a timely manner, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

For over three years, Equifax has been reporting inaccurate information on my credit report, which has not only negatively impacted my credit score but has also limited my financial opportunities. Under 1681i, I have the right to dispute any inaccurate information, and the agency is required to conduct a reasonable reinvestigation free of charge within 30 days of receiving my dispute. 

I have previously notified Equifax of this disputed information and provided supporting documentation to substantiate my claim ; however, they have failed to rectify the inaccuracies or provide a satisfactory response. Additionally, I have faxed all relevant supporting documents to the Attorney General 's office in XXXX, GA, for review. 

This ongoing issue has violated my rights to privacy and has caused significant distress. I request your assistance in investigating this matter further and holding Equifax accountable for their non-compliance with federal regulations. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CarMax, Inc.
State: NC

Complaint narrative:
In XXXX a call was made to CarMax requiring about the payment due. The call was recorded and the representative stated the amount due to be paid. Payment was made. The payment wasnt the correct amount told by representative resulting in a 30 day late payment on the credit file. In XXXX payment was made like several other times through the automatic system. The system processed the wrong bank account. Instead of the two bank accounts payment processed through just the one account with the same bank. This resulted in a late payment in XXXX. The company has been notified by this several times. Several disputes has been made to the credit bureau to fix the error. The wrong account being processed as resulted in several NSF fees being charged from the finance company and Credit union. No funds had been refunded from the finance company side. This issue has caused my credit score to drop XXXX points on XX/XX/XXXX. 

I was also told its a 10 day grace period on late payments for XXXX and payment must be made before XXXX XXXX to process the same day. My payment was made and if it was processed correctly in with the correct two bank accounts the payment wouldnt have returned. Therefore causing an 30 day late payment. Also causing other problems with my bank account multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Greetings I have NOT received the Documents from you, I REQUESTED ( PURCHASE AGREEMENT ) .You Failed to show PROOF OF Ownership. You Are STILL Reporting INACCURATE, Incorrect, Information on my Credit Report.

I'm reporting you to the Attorney General, because you Purchased my PERSONAL INFORMATION, WITHOUT MY CONSENT.You are now in NON COMPLIANCE with the F.C.R.A Section 611 15 USC 1681 ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX Account Name : 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 XXXXXX/XX/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 2024-12-01 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: AL

Complaint narrative:
XXXX XXXX XXXX with the following account information is reporting to the Credit Reporting Agencies as a Charge off since XXXX of XXXX on XXXX with a status of Account charged off. {$32000.00} written off. {$26000.00} past due as of XX/XX/XXXX. However, I have not received a 1099-C which Form 1099-C : Cancellation of Debt is required by the Internal Revenue Service ( IRS ) to report various payments and transactions made to taxpayers by lenders and creditors. These entities must file Form 1099-C if {$600.00} or more in debt was canceled or forgiven. 

XXXX is also reporting inaccurate and inconsistent information across the different Credit Bureaus which is a violation of the FCRA. 

The amount of late payments are different with each bureau. The status of the account is also different across each Bureau. 

For Example, on XXXX, XXXX XXXX XXXX shows an original balance of {$36.00}, XXXX with a last payment date of XX/XX/XXXX but does not disclose the amount and a past due balance of {$26000.00}. On XXXX, XXXX reports no information from XXXX XXXX XXXX but reports XXXX of XXXX as 30 days past due, XXXX of XXXX as 60 days past due, and XXXX of XXXX as 90 days past due. 
In XXXX, XXXX reports XXXX as 30 days past due, XXXX as 60 days past due, XXXX as 90 days past due, XXXX as 60 days past due, XXXX as 90 days past due with XXXX of XXXX being paid on time. In XXXX, XXXX reports XXXX as 30 days past due, XXXX as 60 days past due, XXXX as 90 days past due and as a XXXX off beginning in XXXX of XXXX. 

On XXXX, XXXX Shows the date of the last payment in XXXX of XXXX in the amount of {$560.00}. XXXX reports no information from XXXX XXXX XXXX but reports XX/XX/XXXX as 60 days past due, XXXX of XXXX as 60 days past due, XXXX of XXXX as 60 days past due, and XXXX of XXXX as 90 days past due. In XXXX, XXXX reports XXXX as 60 days past due, XXXX as 90 days past due, XXXX as 120 days past due, XXXX as 90 days past due, XXXX as 120 days past due with XXXX of XXXX being paid on time. In XXXX, XXXX reports XXXX as 06 days past due, XXXX as 90 days past due, XXXX as 120 days past due and as a XXXX off beginning in XXXX of XXXX. 

On Transunion, XXXX reports remarks that read Charged off as bad debt|Profit and loss write-off. Transunion is currently reporting no payment history with a balance due of {$26000.00}.

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