vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I am writing to urgently address an issue that has come to my attention regarding a fraudulent account on my credit report. Upon reviewing my file, I discovered an account listed that I did not open, authorize, or have any knowledge of. This account is a direct result of unauthorized use of my personal information, and I am taking immediate steps to ensure it is removed from my credit history.

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 2025-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Tesla, Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against Tesla regarding the wrongful repossession of my vehicle and the financial and emotional distress it has caused. My vehicle, XXXX XXXX, was repossessed in XX/XX/year>, despite my payment being made on time. 

Key Details : * My Name : XXXX XXXX * Vehicle Information : VIN XXXX * Date of Repossession : XX/XX/year> * Tow Yard Information : XXXX XXXX XXXX XXXX, CA * Payment Status : Full payment made on time via wire transfer Complaint Summary : * Teslas finance team failed to apply my payment properly, claiming they couldnt locate the funds because I didnt send a wire confirmation. I was never informed that failing to send a confirmation could result in repossession.

* I was traveling for work in XXXX XXXX and had explicitly requested email communication, but Tesla ignored my emails for two weeks.

* After the repossession, I had to fly back to XXXX XXXX to retrieve my belongings. Tesla failed to provide timely information, forcing me to call customer service multiple times just to find out where my car was.

* Teslas mismanagement of my payment and lack of communication led to unnecessary financial and emotional stress.

Requested Resolution : 1. Prevent any negative impact on my credit score and provide written confirmation that no derogatory marks will be reported due to Teslas mistake.

2. Compensate me financially for the emotional distress and inconvenience caused by this wrongful repossession.

3. Investigate Teslas mishandling of my case and take corrective measures to prevent future wrongful repossessions due to internal errors and unclear communication policies.

I demand immediate action to ensure my credit remains intact and that Tesla is held accountable for their negligence. Please confirm receipt of this complaint and provide a timeline for resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This company thinks they can break laws while ruining lives for the fun of it while knowing I now have the leverage and the laws of the federal government on my side. But still will fight until the end for a collection agency that I havent heard from ever. The collection company knows tgey dont have anything with me agreeing responsibility of this. I have disputed these 2 collections for over two months 6 times and have asked each of those times for information that is my right to ask for. All 6 times Experian has denied me the rights and ignored each request like it was personal and validated this illegal collection. Furthermore this has been in my credit report about for months I have repeatedly reminded crooked Experian that the implemented in 2021 states no contact or attemp to contact cant report. With 5 disputed Experian said they dont have to follow rules and denied me of those rights. I also stated federal law that requested information must be submitted to consumer within 30 days Federal law. Still dont care and velidated.this entire time never heard a peep from collection agency. They know there is no contract because the collection doesnt belong to me never did. Now XXXX already wrote in the there report this fits FCRA and closed out one of them. Since Im only able to dispute one at a time other is following that was based off law of implemented law 2021 I believe XXXX also gave in. But Experian they must have something to gain they are the only one fighting to keep this going one. No matter whos rights they violate or what laws they are breaking. Lets hold them accountable

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 2025-02-18 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: IL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$260.00} XXXX XXXX  Balance Owed : {$260.00} 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 2025-02-18 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:
Subject : Formal Dispute of Inaccurate Information Under FCRA 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Dear Consumer Financial Bureau, I am writing to formally dispute inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of consumer credit reports. Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any unverifiable or inaccurate information must be corrected or deleted within the required time frame. 
I recently reviewed my credit report and found the following inaccurate entries : 1. XXXX XXXX  o Inaccuracy : This Account is from a DEBT BUYER not my original lender, I DID NOT authorize my debt to be transferred. This is an Inaccurate report o Requested Action : Delete this from my credit report 2. XXXX XXXX  o Inaccuracy : This Account is from a DEBT BUYER not my original lender, I DID NOT authorize my debt to be transferred. This is an Inaccurate report o Requested Action : Delete this from my credit report XXXX. XXXX XXXX XXXX o Inaccuracy : This Account is from a DEBT BUYER not my original lender, I DID NOT authorize my debt to be transferred. This is an Inaccurate report o Requested Action : Delete this from my credit report Per the FCRA, I request that you conduct a proper investigation, correct these inaccuracies, and provide me with an updated report. If these items can not be verified, they must be promptly deleted as required by law.

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 2025-02-18 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:
Subject : Formal Dispute of Inaccurate Information Under FCRA 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Dear Consumer Financial Bureau, I am writing to formally dispute inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of consumer credit reports. Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any unverifiable or inaccurate information must be corrected or deleted within the required time frame. 
I recently reviewed my credit report and found the following inaccurate entries : 1. XXXX XXXX  o Inaccuracy : This Account is from a DEBT BUYER not my original lender, I DID NOT authorize my debt to be transferred. This is an Inaccurate report o Requested Action : Delete this from my credit report 2. XXXX XXXX  o Inaccuracy : This Account is from a DEBT BUYER not my original lender, I DID NOT authorize my debt to be transferred. This is an Inaccurate report o Requested Action : Delete this from my credit report XXXX. XXXX XXXX XXXX o Inaccuracy : This Account is from a DEBT BUYER not my original lender, I DID NOT authorize my debt to be transferred. This is an Inaccurate report o Requested Action : Delete this from my credit report Per the FCRA, I request that you conduct a proper investigation, correct these inaccuracies, and provide me with an updated report. If these items can not be verified, they must be promptly deleted as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-18 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: GA

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : Upon reviewing my credit report, I have discovered that certain information is inaccurate. XXXX XXXX ( XXXX  ) opened XX/XX/XXXX {$210.00}, XXXX opened XX/XX/XXXX {$1300.00}, XXXX XXXX opened XX/XX/XXXX {$140.00} Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

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 2025-02-18 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:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : Upon reviewing my credit report, I have discovered that certain information is inaccurate. XXXX XXXX ( XXXX  ) opened XX/XX/XXXX {$210.00}, XXXX opened XX/XX/XXXX {$1300.00}, XXXX XXXX opened XX/XX/XXXX {$140.00} Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
XX/XX/year> I received financed equipment from XXXX for a security system and was told an amount we had to pay for

two years and our system would be paid off, so thats what weve paid. We later found out that was a lie and the credit line has now been turned into a credit card. I pay on time each month and due to the fact that their system takes 1-2 days to process the payment, XXXX now claims I have 8 late payments history fees for {$41.00} each. I have paid for over 2 years yet my balance went from {$2000.00} to {$1300.00}. Each time I pay we are charged a late fee even though the payment is not late.

The told me a payment was past due that is due in XXXX although its XXXX. Their fees are not transparent and there is no way you can pay for over 2 years and still have the same balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX Date Assigned XX/XX/year> Original Amount Owed {$2100.00} Amount {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC.

Details of Disputed Inquiries : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: IL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-02-18 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: IL

Complaint narrative:
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 2025-02-18 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: NY

Complaint narrative:
I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports.

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : 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/year>

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 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
Debt collector ( verve credit card ) continues to add debt to my credit report without verifying its validity, they are violating the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit reporting agencies to ensure the accuracy and completeness of the information they report. This includes verifying that a debt is valid before reporting it on your credit report. 

I have requested a detailed description of the debt in writing. Under the FDCPA, a debt collector must provide you with a written validation notice within five days of their initial contact with you. This notice must include the amount of the debt, the name of the original creditor, and instructions on how to dispute the debt.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed this public record multiple times and TransUnion intentionally waits 30 days and provides a generic response that does not resolve the issue. TransUnion has had there 30 days to investigate and has failed to investigate properly. They no longer have the right to investigate a dispute that they said the investigated when they didnt. I also mailed a letter with certified mail along with supporting documentation from XXXX XXXX and XXXX XXXX XXXX  weeks ago and they have failed to respond or update the dispute on their website. TransUnion needs to remove/Delete the public record. All accounts that were associated with the pubic record needs to be updated to zero balance, closed, paid as agreed never late. 

I have been disputing for the last XXXX plus months. Please help me. This is beyond stressful and financially harming. 

Thank you.

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