vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: NC

Complaint narrative:
I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.

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 2024-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a XXXX account XXXX weeks ago. I successfully transferred {$400.00} into the account via their application. The next day I attempted to do the same thing for {$550.00} from my U.S. Bank account via their chime app, but I did not know that U.S. Bank had put a hold on my U.S. Bank account due to fraudulent activity via XXXX. US Bank had subsequently closed my U.S. Bank account so the transfer could not happen, U.S. Bank account had been closed. The XXXX transfer never happened. There was no record of the XXXX transfer ever happened. I have provided documentation that the bank account was closed and that the transfer couldve never happened because the account was closed. I was unaware that the account was on hold when I placed That transfer. Chime is refusing to accept my documentation and release my money or close my account at my request

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 2024-08-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Today on XX/XX/year>, I was at work and when I was on my lunch, this woman named XXXX came to my job trying to find me. My XXXX explained I was on my lunch and she gave a number for me to call back and the number was XXXX. He said she was from the health department. I looked online searching the number And there was many complaints that it was a scam. I have never received any calls from this number and I was very uncomfortable when a person I do not know shows up to my job. She has also called my job before without any acknowledgment. I have not received any emails or calls from Toyota so Im not sure why this person is showing up to my job

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: NM

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute l

etter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( perm
issible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I called and paid them in full. When I notice they sold the debt I called and they said they would take care of it its been 9 years and its till on my credit report so I called last month they said its paid so why is it been on my credit so long

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: Early Warning Services, LLC
State: AL

Complaint narrative:
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  I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : I was a victim of identity theft and my information was compromised. If you look at my social on your report, it is incorrect. My social is not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my XXXX XXXX XXXX report immediately! I've attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: MO

Complaint narrative:
Hello, there are items on my credit report that have resulted from fraud to which I never benefitted from I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Experian and a representative told me that they would be deleted from my credit report but I still see it. I have also reported them to the federal trade commission but they are not removed from my report, it's adding unnecessary stress in my life.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my Equifax credit report, and noticed I had fraudulent accounts on my report, I believe I'm a victim of hacking attack and identity theft, According to 15 USC 1681, Equifax need to remove these accounts from my report immediately! 


Company : XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Fraudulent Amount : XXXX Company : XXXX XXXX XXXX  Account number : XXXX Open Date : XX/XX/XXXX Company : XXXX XXXX  XXXX Account number : XXXX Open Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Company : XXXX XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC
State: AL

Complaint narrative:
XXXX Someone tried to open a credit XXXX without my permission XXXX XXXX XXXX to open a credit XXXX without my permission Global lending services Someone tried to open about XXXX loans without my permission Ally financial Someone tried to open about XXXX loans without my permission XXXX XXXX XXXX XXXX XXXX to open about XXXX loans without my permission Credit acceptance Someone tried to open about XXXX loans without my permission XXXX main I have more then XXXX inquiry from them XXXX XXXX XXXX XXXX tried to open about XXXX loans without my permission XXXX XXXX me I was told about XXXX lies on a car I was trying to purchase they said I could get the car with XXXX k down but then said I had to put XXXX XXXX down which is misleading and fraud Some of these car loans places wouldnt approve me without a co signer. After they said I could get XXXX and be approved they lied about that cause I still didnt get approved for the loan at all once I acquired the co signer My bank which is XXXX AUTOS lied said I couldnt get a loan but I talked to someone and they said they didnt have a problem getting approved with their new credit and just starting off which means misleading info and prejudice Capital XXXX auto finance which is also my bank did the same thing mislead information to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: NY

Complaint narrative:
This letter serves as a final notice regarding the unverified negative accounts that remain on my credit report, despite multiple disputes and your obligations 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 non-monetary relief
Consumer complaint received 2024-08-29 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: CA

Complaint narrative:
I am filing this complaint because Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not promptly closing all current disputes on my credit report and removing associated dispute comments. Despite my request, Experian has not ensured that the information on my credit report is 100 % accurate, which is causing significant issues as I am in the process of purchasing a home. 
Under 15 U.S. Code 1681e ( b ), Experian is required to follow reasonable procedures to assure maximum possible accuracy in the preparation of my credit report. Additionally, per 15 U.S. Code 1681i ( 5 ), any information found to be inaccurate, incomplete, or unverifiable should be promptly deleted or modified.

I have already identified unverifiable, invalidated, inaccurate, and questionable items on my credit report that your agency has not corrected. This has led to unnecessary delays and complications in my home purchase process.

I am urgently requesting that Experian comply with the FCRA by immediately closing all previous investigations, removing all dispute comments, and ensuring that all information on my credit report is accurate.

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 2024-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C.
State: KS

Complaint narrative:
We owed a debt for credit card. Blitt and Gains PC set up payment plans with us. We got hit with unexpected medical bills and couldn't make a payment. Blitt and Gains filed a garnishment order with the court. We were never notified of the court order. We were never given the paperwork for the court order that would have given us 2 weeks to pay before they froze our bank account. After our account was frozen, we had to call the court house to find out the case number and what was going on. We never new we needed to respond to the garnishment order. We then called Blitt and Gain. We told them we never received any paperwork. They then mailed the garnishment order to us dated for XXXX but mailed in XXXX. It was 2 late for us to do anything. They froze our account for 3 weeks. We were not able to pay any bills. Couldn't even pay daycare. They didn't care. Even after the debt was paid we continued to receive paperwork dated back in XXXX but received in XXXX. I had to rack up another credit card just to pay the debt to try and hurry and get my account unfrozen. This is what they wanted to happen though. This is a disgusting company. The attorney XXXX, should be ashamed of herself. Took an oath but then lies to close her case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I've noticed an unfamiliar account on my credit report that isn't mine. I believe it could be due to identity theft or 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 2024-08-28 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately! I had XXXX Late payments on an account XXXX  that XXXX was in fact paid on time. The consumer reporting agency need to report all information with complete accuracy. this account has not been late on payments. I have attached a copy of my report to this complaint on the following dates XXXX XXXX and XXXX XXXX I am now requesting you invetigate the account and update this payments to on time immediately thank you for your understanding

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 2024-08-28 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: PA

Complaint narrative:
Re : XXXX XXXX XXXX XXXX XXXX, TransUnion LLC, XXXX XXXX Over the pass XXXX months I have submitted several disputes via certified mail and to the CFPB as well as the XXXX XXXX XXXX  and the XXXX XXXX XXXX regarding items on my credit report that were inaccurate, false or not mine. 

After a thorough investigation XXXX removed/ deleted all the items disputed over this period. ( see the attached ) however, XXXX XXXX and TRANSUNION LLC willfully continues to verify, change information and date on the inaccurate accounts rather than removing them from my credit report. The have changed several times the following : 1. The name of the company 2.The initial date of last payment and reage the account 3. The amount of last payment 4. The date the last payments were made 5. The balance on the account 6. The open date of the account 7. The closing date of the account They continue tomake several changes to an account then report that the account was verified. 
How can you verify an inaccurate account that you constantly changing the data and name of the company????????? If its inaccurate and incomplete the law said it should be deleted not corrected several times. 
How can three credit reporting agencies report different information on the same account then say their reporting is 100 % accurate and complete? 
If its accurate why keep changing the data, the company name, the payment dates etc.?????? 

XXXX XXXX remove all of the following disputed inaccurate items ( see the attached ) XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX have ask you to take a close look at all my disputes over the pass 24 months and you will see the many corrections and changes XXXX and TRANSUNION have made to each of these inaccurate accounts in order to willfully and negligenlly keep them on my credit file even after I have proven to them that the accounts are inaccurate and fraudulent. the just keep changing information then send me notices that they verified and updated the account. 

How do you verify and update something that 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
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
Re : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, INNOVIS XXXX Over the pass 24 months I have submitted several disputes via certified mail and to the CFPB as well as the Federal Trade commission and the XXXX XXXX XXXX regarding items on my credit report that were inaccurate, false or not mine. 

After a thorough investigation XXXX XXXX deleted all the items disputed over this period. ( see the attached ) however, XXXX XXXX and XXXX XXXX willfully continues to verify, change information and date on the inaccurate accounts rather than removing them from my credit report. The have changed several times the following : XXXX. The name of the company XXXX initial date of last payment and reage the account XXXX. The amount of last payment XXXX. The date the last payments were made XXXX. The balance on the account XXXX. The open date of the account XXXX. The closing date of the account They continue tomake several changes to an account then report that the account was verified. 
How can you verify an inaccurate account that you constantly changing the data and name of the company????????? If its inaccurate and incomplete the law said it should be deleted not corrected several times. 
How can XXXX credit reporting agencies report different information on the same account then say their reporting is 100 % accurate and complete? 
If its accurate why keep changing the data, the company name, the payment dates etc.?????? 

XXXX XXXX remove all of the following disputed inaccurate items ( see the attached ) XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX Bank # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX Bank # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX have ask you to take a close look at all my disputes over the pass 24 months and you will see the many corrections and changes XXXX and XXXX have XXXX to XXXX of these inaccurate accounts in order to willfully and negligenlly keep them on my credit file even after I have proven to them that the accounts are inaccurate and fraudulent. the just keep changing information then send me notices that they verified and updated the account. 

How do you verify and update something that is inaccurate??????

Company response to consumer: Closed with explanation