vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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:
Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer 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 personal loans, credit cards, and hard inquiries XXXX XXXX XXXX XXXX with a balance of {$530.00} XXXX  XXXX XXXX XXXX XXXX balance of {$560.00} XXXX  XXXX XXXX  XXXX with a balance of {$720.00} XXXX XXXX  XXXX with a balance of {$750.00} XXXX XXXX XXXX  XXXX with a balance of {$550.00} XXXX XXXX  XXXX with a balance of {$560.00} XXXX XXXX  XXXX XXXX with a balance of {$200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$120.00} XXXX V XXXX with a balance of {$450.00} XXXX XXXX XXXX XXXX with a balance of {$710.00} XXXX XXXX XXXX XXXX with a balance of {$340.00} XXXX XXXX XXXX XXXX with a balance of {$630.00} XXXX & XXXX XXXX with a balance of {$480.00} XXXX XXXX XXXX XXXX with a balance of {$210.00} XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00} XXXX XXXX XXXX XXXX with a balance of {$130.00} Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of both FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: SC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer 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 personal loans, credit cards, and hard inquiries XXXX XXXX XXXX XXXX with a balance of {$530.00} XXXX  XXXX XXXX XXXX XXXX balance of {$560.00} XXXX XXXX XXXX XXXX with a balance of {$720.00} XXXX XXXX XXXX with a balance of {$750.00} XXXX XXXX XXXX  XXXX with a balance of {$550.00} XXXX XXXX XXXX with a balance of {$560.00} XXXX XXXX XXXX XXXX with a balance of {$200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX with a balance of {$120.00} XXXXXXXX XXXX XXXX with a balance of {$450.00} XXXX XXXX XXXX XXXX with a balance of {$710.00} XXXX XXXX XXXX XXXX with a balance of {$340.00} XXXX XXXX XXXX  XXXX with a balance of {$630.00} XXXXXXXX XXXX XXXXXXXX XXXX with a balance of {$480.00} XXXX XXXX XXXX XXXX with a balance of {$210.00} XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00} XXXX XXXX XXXX  XXXX with a balance of {$130.00} Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of both FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
To Whom It May Concern at the CFPB and Credit Bureaus, I am writing to formally dispute two fraudulent accounts on my credit report related to identity theft. These accounts, which appear under the names XXXX XXXX and Auto Trakk , LLC, were established without my knowledge or consent and do not represent legitimate financial obligations of mine. The fraudulent entries have severely impacted my credit score and financial standing, preventing me from obtaining legitimate credit. 

Details of Disputed Accounts : 1XXXX XXXX XXXX XXXX XXXX Charged-Off ) Amount : {$20000.00} Account Type : Charged-Off Account Status : Repossession Reason for Dispute : Fraudulent account due to identity theft 2. Auto Trakk , LLC Account Amount : {$6600.00} Account Type : Repossession Account Status : Past Due Reason for Dispute : Fraudulent account due to identity theft I am attaching my FTC Identity Theft Report as supporting documentation. As a victim of identity theft, I am protected under several federal laws, and I request that both entries be removed from my credit report : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) This law provides the right to dispute inaccurate or incomplete information on credit reports. Since these accounts are fraudulent, they must be removed to maintain the accuracy of my report.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) This law protects consumers from fraudulent debt collection practices. As these accounts were not authorized by me, any collection efforts violate the FDCPA and should cease immediately. 

I respectfully request that the CFPB and the credit bureaus take immediate action to investigate and remove these fraudulent accounts from my credit report to reflect my true financial standing. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of these entries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Between XX/XX/2024 and XX/XX/2024, a new account in collections was added to my report. The collection agency is TRANSWORLD SYSTEMS. The original creditor was XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-11-12 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: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to follow up on my final demand letter, regarding the removal of unauthorized hard inquiries from my credit report. Despite my repeated requests, these unauthorized inquiries continue to appear on my XXXX credit file, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2024-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
was advised by mohela to re certify my application in XXXX of XXXX which i did after my loans were transferred to this servicer. comes XXXX first mohela withdrew XXXX when i was paying XXXX monthly before. I called as soon as I saw the transaction and was told my account is going under transition and to call back once that is done, she advised me to dispute the transaction with my bank which i could not because it was pending although it was taken from my checking. three weeks later i got email and called back around XX/XX/XXXX and spoke to a supervisor who advised me to make a payment of my regular monthly payments of XXXX stating she will refund that money and put my loans in forbearance to be reviewed and to adjust my monthly payment, she stated we have application from XXXX and you do not need to fill new one. I have not had any changes happen. i called again as there were no refunds, they state that i have to wait 23 full days and it's pending. 23 days and month passed and no refunds. I had to call my bank and dispute the transaction and finally after two months my bank refunded it. I keep calling mohela over XXXX times, begging for help. agents put me on line for hours and keep saying they are checking and do not know what they are doing until frustrated and ask to speak to supervisor. finally spoke to supervisor again after many voice messaged and dropped calls on purpose. she did not know anything about my account, after being on phone for two hours while i work in hospital taking care of patients she promised someone will call me in 5 days, she said everything we spoke about is recorded and i will get email about it. she promised to escalate my account for review and to adjust my payment. none happened, no one called me. i called mohela back stating no one has reached out and i have no received any document in email or in my account. i have sent them email since XX/XX/XXXX asking or help and no one has replied. the agent on last call she said she can not help me and has to transfer me to supervisor, they always transfer to voice line and when they call back they drop the call or close the phone right away and leave a XXXX stating they called me. this is my third time filing complain, and no one has reached out to me. now i have a payment due on my account of {$1900.00}. I called them again and again and they keep putting my loans in forbearance and this is all effecting my XXXX payments. the last respond i got from previous complain did not make any sense or resolve the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
This is an invalid vehicle loan. The contract was in complete, and, as a result the vehicle was returned to XXXX Hyundai on XX/XX/XXXX around XXXX PM and surrendered to XXXX XXXX XXXX I disputed with the credit bureaus that this account was invalid and Hyundai did not remove the account from my credit report and is still trying to collect on an invalid account. I called Hyundai Motor Finance on XX/XX/XXXX @ XXXX PM XXXX and explained the situation to the representative, XXXX, employee ID XXXX. He said that he had escalated my concerns to " XXXX XXXX '' and I would have a response within 3 business days. I called back today, XX/XX/XXXX and a lady put me on hold for approximately 20 minutes at which point I was disconnected. I am now looking to the CFPB to assist in getting this matter resolved. This is NOT a valid loan, there was no valid contract, the dealer has been in possession of the vehicle for over a month at this point and has refunded my down payment and returned the vehicle I originally traded in to them. This account is now falsely showing past due and I would like it removed before I have incorrect negative credit reporting to deal with on top of everything else.

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 2024-11-12 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: CarMax, Inc.
State: GA

Complaint narrative:
CARMAX AUTO FINANCE Reported : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  reported : XX/XX/XXXXXXXX XXXX XXXX reported ; XX/XX/XXXX If you verified this account as accurate, I need to see your method of verification on how you are reporting a collection with a past due balance. If you can not provide this, please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: NY

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-11-12 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: VA

Complaint narrative:
Under XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your 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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : [ XXXX ] XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, or provided written authorization or any permissible purpose. since they do not have my authorization, written or verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization or any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : As such, under 15 U.S Code 1681, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general.

if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the 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 explanation
Consumer complaint received 2024-11-12 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:
Im reaching out for your assistance with the incorrect account on my credit report. This has damaged my reputation as a customer, and I need your help. I am requesting that these accounts be removed due to the inaccurate and negative reporting.

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 2024-11-12 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX Bankruptcy XXXX, Bankruptcy XXXX, Bankruptcy XXXX, Bankruptcy XXXX, Bankruptcy XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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