vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: MA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have sent multiple affidavits to let this company know, I don't owe them anything and that we have no contract together. 


Per the FCRA as a Federally protected consumer. I am now opting out of any and all authorizations, I the consumer may have given written unwritten, verbal and non-verbal. XXXX XXXX. Effective immediately and indefinitely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: IN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2024-01-23 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: RockLoans Holdings LLC
State: VA

Complaint narrative:
They are reporting a a charge off that already has been written off. which they are using for tax credit, a benefit on there behalf but not willing to send out the 1099-C that has been requested. This is what they are telling me " We are reaching out to inform you that we have confirmed with our accounting team that you can expect a 1099-C at the beginning of XX/XX/2025, unless installments are made towards the account, then your 1099-C date will be pushed to a later date. instead they are trying to collect again on something that they have already reported that it was paid/ write off.

Accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 6o2 states I have the right to privacy ( 15USC 1681 ( section 604a section 2 ( it also states a CRA 15 USCS 1666b ) I didn't give written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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 am a victim of identity theft please remove this fraud inquiry 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 2024-01-23 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:
It is illegal to report transaction history pursuant to the FCRA. XXXX is violating my consumer rights by reporting to any credit agency transaction history along with those agencies allowing for such history to be reported by them.

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 2024-01-23 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: TX

Complaint narrative:
It is illegal to report transaction history pursuant to the FCRA. XXXX is violating my consumer rights by reporting to any credit agency transaction history along with those agencies allowing for such history to be reported by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The XXXX credit report states that the account is closed but does not indicate the date it was closed. The report states that 99 months were reviewed, but there is no data available for the years XXXX  through XXXX. The account is reported as being closed with an available credit balance in the amount of {$17000.00}. The report shows the account was opened XX/XX/XXXX and has been open for 17 years 11 months. If the account was opened for 17 years and 11 months from XXXX it would still be open today ( statement is mathematically incorrect ). The report shows that the account was charged off but does not indicate the date it was charged off. Capital One does not report the date that the account was closed which would allow them to report this account indefinitely. Capital One reports that the customer requested the account be closed but does not include the date this request was made. Please have Capital One provide proof that that the customer requested the account be closed and that they currently own the debt. Also please have them explain why they state that they reviewed 99 months but only reported 3 years. If 99 months was reported, it would show that the account was never late during that time period. Please have them explain why my account was referred to a debt collector in XXXX when the first delinquency didn't occur until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: AL

Complaint narrative:
In summary, I have been experiencing issues with a consumer reporting agency, specifically XXXX/TRANSUNION/XXXX XXXX  The initial notice was sent to the companies on XX/XX/XXXX, and despite allowing ample time for investigation, the issues persisted. On XX/XX/XXXX, I obtained all copies of my consumer reports, revealing numerous inaccuracies in negative accounts. 

These inaccuracies have adversely affected my ability to obtain credit, leading to high-interest rates on loans due to unauthorized reports. I have faced financial exploitation, as these companies have been compiling information on me without my consent since my legal age of 18, creating a forced non-consensual bond over the last five years. My information is being trafficked and transferred without lawful consent. These Companies are committing Criminal coercion. 

The company has failed to respect the XXXX XXXX XXXX XXXX claiming not to be required to follow it, and disregarding my consumer rights. They have consistently opened reports in my name without written consent or a request for such release of information. The situation has eroded my trust in the banking system, resulting in rejections for credit cards and loans essential for my transportation needs and living situations. when I called the companies the more information they have added without my consent and random addresses they have added to my report they are causing massive detriment upon my likeness. They're bidnign me to involuntary servitude. Where they won't respect my LAWFUL right to my personal right to privacy of information and know I NEVER GAVE WRITTEN CONSENT.

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 2024-01-23 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: AL

Complaint narrative:
In summary, I have been experiencing issues with a consumer reporting agency, specifically EXPERIANXXXX XXXX The initial notice was sent to the companies on XX/XX/XXXX, and despite allowing ample time for investigation, the issues persisted. On XX/XX/XXXX, I obtained all copies of my consumer reports, revealing numerous inaccuracies in negative accounts. 

These inaccuracies have adversely affected my ability to obtain credit, leading to high-interest rates on loans due to unauthorized reports. I have faced financial exploitation, as these companies have been compiling information on me without my consent since my legal age of XXXX, creating a forced non-consensual bond over the last XXXX XXXX. My information is being trafficked and transferred without lawful consent. These Companies are committing Criminal coercion. 

The company has failed to respect the Privacy Act of XXXX, claiming not to be required to follow it, and disregarding my consumer rights. They have consistently opened reports in my name without written consent or a request for such release of information. The situation has eroded my trust in the banking system, resulting in rejections for credit cards and loans essential for my transportation needs and living situations. when I called the companies the more information they have added without my consent and random addresses they have added to my report they are causing massive detriment upon my likeness. They're bidnign me to involuntary servitude. Where they won't respect my LAWFUL right to my personal right to privacy of information and know I NEVER GAVE WRITTEN CONSENT.

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 2024-01-23 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX .Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot 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 non-monetary relief
Consumer complaint received 2024-01-23 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: ND

Complaint narrative:
Equifiax is reporting Inaccurate information on my report. I have unknown Inquiries on my credit report which I have no knowledge or contracts with and never gave Equifiax consent to furnish these false inquiries on my report.

This is a notice for arbitration if this situation is not corrected immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: MS

Complaint narrative:
I am writing to file a formal complaint against TransUnion for its failure to conduct a reasonable reinvestigation into inaccuracies on my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I mailed a dispute letter via XXXX XXXX mail tracking # XXXX, requesting an investigation into the following items : XXXX - XXXX, Bankruptcy Reference Number : XXXX, and incorrect addresses. To facilitate the verification of my identity and address, I enclosed a copy of my photo ID, social security card, and a recent bill. Despite my adherence to the FCRA 's dispute process, I received a response from TransUnion dated XX/XX/2023, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. This response signifies a failure on TransUnion 's part to recognize and process a dispute initiated by the consumer, as mandated by the FCRA. The XXXX explicitly requires credit bureaus to conduct a reasonable reinvestigation when the completeness or accuracy of any item in a consumer 's file is disputed. I am submitting copies of my dispute letter, XXXX certified mail proof of delivery, and TransUnion 's response as evidence of my attempts to rectify the inaccuracies on 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 2024-01-23 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: IN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2024-01-23 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: IN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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 am refiling this complaint to TRANSUNION for allowing the fraudulent accounts on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.

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 2024-01-23 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: SC

Complaint narrative:
XXXX has inaccurately reported to my credit file ( all XXXX bureaus ) that I am late on my payments. This information is inaccurate and has put an abrupt stop to my home purchasing plan in which I have worked too hard for. I have requested and requested that XXXX report the information correctly. They have NOT taken any steps to correct this information. I have provided the documents necessary and paid the balances in due time to avoid negative reporting. My loan is not late and has never been late! My account balance with XXXX is not correct either. They have charged my account with fraudulent XXXX fees in which my bank will prove they have never attempted payment when enrolled in the XXXX program with XXXX. I have had my ban account for 23 years and it has never changed on my account for XXXX. Their fees are in different amounts every single time. They refuse to remove these fees in the amount of {$81.00}. I have taken the XXXX XXXX and continued to pay so my account would not fall behind, but it doesn't make these charges accurate either.

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 2024-01-23 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-23 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-23 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
Experian Is reporting Unknown Inquiries on my credit report. I did not consent to have these furnished on my report and I did not receive any benefit from these accounts. 

Arbitration is the next process will I will be seeking 1k per violation under the FCRA Civil Liability act. This is also a notice to arbitrate if this isnt resolved 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 explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
My account was settled via insurance check and the account was charged off. Multiple customer service reps have stated that this was a system error yet I still have a charge on my credit

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
They are reporting multiple different balances and account status. My account in their system says I don't have a payment due for XXXX days but they are reporting it to the credit bureau as late. They were reporting a balance of {$8300.00} even after my balance was {$3600.00}. They are preventing me from getting a new auto loan. I'v been to multiple dealers and have been turned away because it was showing I owed 77 % on this loan until yesterday. Then on XX/XX/24 it was reported I have a late payment.

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