vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 FTC Identity Theft Criminal Complaint # ( private case number ) 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 explanation
Consumer complaint received 2024-11-01 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 need your help regarding the false account reflected on my credit report. This has harmed my standing as a customer, and I am reaching out for your assistance. These accounts need to be removed because they are reported inaccurately and are negatively affecting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am contacting Equifax in regards to the recent response to my CFPB Complaint XXXX XXXXXXXX. Again, Equifax has not properly provided verification of method of verification. A data furnisher is not sufficient to confirm/verify. This is well over the 15 day window allowable according to FCRA. I demand you remove the account XXXX XXXX immediately! This is now a violation of my rights! I am disgruntled and demand Equifax to remove/delete the account reporting to XXXX XXXX as it is in violation with FCRA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
In XX/XX/year>, I entered into a lease agreement with GM Financial for a vehicle. In XX/XX/year>, I relocated from XXXX XXXX XXXX, requiring me to re-register the leased vehicle with the Arizona Department of Transportation ( ADOT ). ADOT mandates that GM Financial, as the lessor, provide specific documentation, including a Lessor Authorization and Power of Attorney, to facilitate this registration. I promptly submitted a Relocation Request Form on GM Financials website and followed their outlined procedure to initiate the transfer. 

Starting in early XX/XX/year>, I began reaching out to GM Financial to ensure the necessary documents were sent to ADOT. I faxed and emailed the Lessor Authorization and Power of Attorney forms to GM Financial multiple times. Since submitting the initial relocation request, I have made numerous follow-up calls and emails, seeking confirmation and tracking information that the required documents were sent to ADOT. 

On XX/XX/year>, a representative from GM Financial informed me that the documents had been sent to ADOT. However, when I visited ADOT on the same day, I was told that they had not received any documentation from GM Financial. This has left me unable to legally register my vehicle in Arizona, as ADOT can not complete the process without these documents from GM Financial.

As of today, GM Financial has failed to provide me with tracking information or any substantial proof of submission, despite my continued efforts to obtain this information. Each time I contact them, I am given vague assurances that the issue is being " handled, '' yet ADOT remains without the necessary paperwork. This lack of accountability from GM Financial has put me at risk of legal penalties for driving an unregistered vehicle in Arizona, as I am unable to comply with state registration requirements due to their inaction.

This ongoing issue has caused significant stress and inconvenience, as I have spent over 10 hours attempting to resolve this matter without success. I am requesting the CFPB 's assistance in ensuring that GM Financial fulfills its obligations, allowing me to legally register my leased vehicle in Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: CA

Complaint narrative:
I have filed a complaint with the FTC in regards to unrecognized inquiries on my credit reports. The inquiries in question are : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
All loan balances were paid off by the Dept of Veterans affairs on XX/XX/year>. I was told by the loan servicer XXXX this would be updated in 30 days which would have been XX/XX/year>, but the balance still remains on my credit reports with XXXX and TransUnion. I have tried disputing through both XXXX and TransUnion, but no changes have been made. XXXX and TransUnion both display a balance over $ XXXX for XXXXXXXX XXXX loans, when they should reflect a {$0.00} balance on all XXXX XXXX loans.

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 2024-11-01 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: TX

Complaint narrative:
All loan balances were paid off by the Dept of Veterans affairs on XX/XX/2024. I was told by the loan servicer XXXX this would be updated in 30 days which would have been XX/XX/2024, but the balance still remains on my credit reports with Experian and XXXX. I have tried disputing through both Experian and XXXX, but no changes have been made. Experian and XXXX both display a balance over $ XXXX for XXXX XXXX loans, when they should reflect a {$0.00} balance on all XXXX XXXX loans.

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 2024-11-01 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: TX

Complaint narrative:
I am seeking your help with the incorrect account that is listed on my credit report. This issue has severely impacted my reputation, and I need your assistance. Your mishandling of my credit report has put me in a difficult situation, and the false reporting has tarnished my reputation. These inaccuracies need to be removed immediately 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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX, NC XXXX My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address is:XXXX XXXX XXXX XXXX XXXX, NC XXXX My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

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 2024-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
In XX/XX/year>, I received notice from a debt collection agency, Midland Credit Management, regarding two debts they claim are associated with retail credit cards originally issued by XXXX XXXX XXXX  and XXXX XXXX. I believe these debts may not be mine or are inaccurately reported. 
XX/XX/year> : I formally disputed these debts with Midland Credit Management, requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I asked them to provide : Proof of their legal right to collect these debts, including original agreements.

A breakdown of amounts owed, including fees, interest, and charges.

Verification of accurate reporting to credit bureaus. 
XX/XX/year> : I also submitted dispute letters to major credit bureaus, indicating potential inaccuracies. These debts are reported as charge-offs, yet I have not received a 1099-C Cancellation of Debt form, which is usually issued when a debt is officially canceled. As of today, Midland Credit Management has not provided adequate documentation to validate the debts or confirm their right to collect.

Due to the lack of validation and necessary 1099-C documentation, I believe these accounts are inaccurately reported. I request the CFPBs assistance to either validate these debts or remove them from my credit report if Midland Credit Management can not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
All loan balances were paid off by the Dept of Veterans affairs on XX/XX/year>. I was told by the loan servicer Mohela this would be updated in 30 days which would have been XX/XX/year>, but the balance still remains on my credit reports with XXXX and XXXX. I have tried disputing through both XXXX and XXXX, but no changes have been made. XXXX and XXXX both display a balance over $ XXXX for 12 student loans, when they should reflect a {$0.00} balance on all 12 student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHERRY TECHNOLOGIES INC.
State: MI

Complaint narrative:
Cherry Inc says i owe them XXXX dollars for something I have no knowledge of. I have ask how they got my social security number when I have a block on my credit file. So I'm completely confused. Police report was filed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This consumer sent a certified mailing to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  an Affidavit of Notice to Dispute and Demand for validation and proof of claim. There are several violations that they have comitted against me and I never had a contract with them. 

Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. ( Please see attachment ) for dispute of this unvalidated debt. These third party companies continue to make false claims against consumers who have never contracted with them. I DO NOT OWE THIS DEBT. I HAVE NEVER SIGNED ANY CONTRACT or HAVE NEVER VERBALLY ACKNOWLEDGED OR CONSENTED into any kind of agreement. They are causing me harm and I would like this to be rectified immediately In the Name of XXXX! 

MAXIMS OF LAW 1. TRUTH IS EXPRESSED IN THE FORM OF AN AFFIDAVIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2. AN UNREBUTTED AFFIDAVIT STANDS AS TRUTH IN COMMERCE XXXX XXXX XXXX XXXX XXXX XXXX. If claims made in your affidavit, if not rebutted, emerge as the truth of the matter. XXXX XXXX : He who does not deny, admits. 
3. AN UNREBUTTED AFFIDAVIT BECOMES THE JUDGMENT IN COMMERCE XXXX. There is nothing left to resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer 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 2024-11-01 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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