vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: GA

Complaint narrative:
I am seeking your assistance with the false account listed on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed as they are being reported incorrectly and negatively.

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 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union Per 15 U.S.C. 1681 ( n ) Civil Liability for willful noncompliance. Your agency is in violation of 15 U.S.C. 1681 ( n ) by reporting inaccurate information on my credit file. On XX/XX/XXXX I requested the validity of this account per 15 U.S.C. 1681 ( i ) Procedural Investigation of multiple balances for this account being inaccurate. No such documents were produced and or mailed to me. There is no identifying account number on Trans Union report ending # XXXX however in XX/XX/XXXX XXXX XXXX XXXX XXXX reported to XXXX original account # XXXX closed, last payment date XX/XX/XXXX and on XXXX XXXX XXXX XXXX XXXX reported account ending # XXXX a payment of {$2400.00} settlement as payment in full with a XXXX balance after a write off of {$8900.00} from the original {$11000.00} account balance. 

In addition to this XXXX XXXX XXXX XXXX has violated 15 U.S.C. 1666 ( b ) Timing of payments consistently reporting to Trans Union a charge off status every month since XX/XX/XXXX with no more information reported after XX/XX/XXXX, they reported to XXXX account was closed XX/XX/XXXX. XXXX XXXX XXXX XXXX then reported another account in which I did not open ending in # XXXX as mentioned above. They reported last payment date XX/XX/XXXX on this account of {$120.00} which I did not make this payment. XXXX XXXX XXXX XXXX falsely reported this in an attempt to collect an additional debt not owed. Falsely reporting inaccurate information to prolong the length of time to report to Credit Reporting Agencies XXXX, XXXX & Trans Union is a direct violation of 15 U.S.C. 1681 FCRA & FDCRA in the State of California. To further damage my credit rating XXXX XXXX XXXX XXXX reported to Trans Union this account being removed on XXXX/XXXX, the account date of 1st delinquency according to TU report is XX/XX/XXXX which is 8 years.

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 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I Have a Best Buy Citi Card. Mistake i know, Problem is the fees and interest on a charge that was not mine have racked up 2x the total cost of this fraud. And i remanded my self to pay the minimum to keep my credit in tact. Now after a whole 18 months ive been locked out of my account and the XXXX XXXX dollars ive already paid to this card has not gone to the principle of something like XXXX XXXX dollars. Yet they refused to give me any evidence of the claim and rectify the card issue. Someone used the number out of state to order some items when i didnt have the card in use. 

Ok so now 18 months later best buy after i brought up this issue has locked me out of the account online. Which is the only way to access the account i dont get mail for and the dont contact me about. They disconnected my auto pay and left it to default with the only way for me to may a payment is over the phone. Funny enough they demanded today i pay a fee with that payment for them to give me back my online access. So i kindly declined, I was smart enough to record the conversation after they attempted to slightly steer me to a different customer service dept which apparently none of their phones are working. Or maybe i just made them uncomfortable that i know my rights. They can not change rules for one person and make it seem malicious or vindictive as im the one trying to pay the bill thats been non current for 3 days. Not from my own actions. So i called back numerous times told them i wanted to pay online as ive done since the issue 18 months ago and finally this last time was rudely hung up on and told to " Figure it out ''. I Just cant believe this is how CITI and Best Buy operate, I knew of there Scams on repairs in house and warranties but i dont even do business with them anymore im just paying the minimum on a card ive technically not even used in almost 2 years.

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 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
In accordance to the fair credit reporting act this creditor has violated my rights UNDER 15 U.S.C. 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account with out my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: Experian Information Solutions 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.

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 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 2024-12-13 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 a victim of identity theft and fraudulent accounts were opened to my credit. I have tried many attempts resolving this matter with the credit bureaus and they refuse to resolve this and violating credit laws. Please have them resolve this matter by removing these accounts listed below from my credit report immediately : 1 ) XXXX  XXXX Account number : XXXX Opened date : XX/XX/2023 Limit : {$500.00} Balance : {$0.00}

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 2024-12-13 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: United PanAm Financial Corp.
State: GA

Complaint narrative:
Describe What Happened United Auto Credit has engaged in multiple harmful practices that have significantly impacted my credit and financial well-being : 1. False Reporting to Credit Bureaus : - They have falsely reported late payments to the three major credit bureaus ( XXXX, XXXX, and XXXX ). 
- These false entries began appearing on my credit report around XX/XX/XXXX and continue to negatively affect my credit score. 
- I have not received any explanation or proof from United Auto Credit to justify these reports.

2. Predatory Lending Practices : - United Auto Credit used unclear and deceptive lending terms, which I now believe qualify as predatory practices. 
- They did not provide clear disclosure forms or proper documentation at the time the account was opened or during its servicing. 

3. Actions I Took : - I contacted United Auto Credit several times between XX/XX/XXXX until XX/XX/XXXX to dispute the late payment entries and requested supporting documentation, but they failed to respond adequately. 
- I reviewed my records and confirmed that the information they reported does not match my payment history. 

4. Actions by the Company : - Despite multiple attempts to address these concerns, United Auto Credit has not provided any disclosures or evidence to justify their reporting. 
- They continue to share incorrect information with the credit bureaus, causing ongoing damage to my credit profile. 

Specific Request : Cease All Contact : I request that United Auto Credit stop all direct communication with me. 
- Correct Credit Reporting : The company should amend my credit report to remove all inaccurate late payment entries. 
-Delete the Account : I am requesting a full deletion of this account from my credit reports with XXXX XXXX XXXX XXXX and XXXX XXXX 
-Provide Disclosures : United Auto Credit must provide all disclosures and documentation that validate their credit reporting actions, as required by law. 

Impact : These false reports have harmed my credit score, affecting my ability to obtain credit or loans under reasonable terms. Additionally, the lack of disclosure and transparency has caused me undue stress and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-13 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: LA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-13 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-12-13 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: MI

Complaint narrative:
I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-12-13 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:
Starting in XX/XX/year>, I contacted XXXX regarding inaccurate information on my credit report in order to dispute the XXXX XXXX account that is on my credit. I have sent XXXX XXXX letters proving that the information is inaccurate and different than what Equifax and XXXX are reporting. All they have done is respond with letters stating that they don't believe I am the person submitting the information. I am now requesting the account to be permanently removed from my credit report as the dates, the date of last payment, balances and account number are all inaccurate and they do not match what XXXX has sent me or what the other credit bureaus are reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
My apparent debt has been transferred to several companies XXXX XXXX XXXX, LVNV Funding and now XXXX XXXX. I started receiving several calls and text messages XX/XX/year> and now emails starting today XX/XX/year> threatening to take legal action to sue me if I do not pay {$1000.00}. Ive never been sued in my life and this debt is several years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: NC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2024-12-13 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-13 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report improper use of my credit report formally and to express my concern regarding unauthorized inquiries that have negatively impacted my XXXX XXXX. 
It has come to my attention that there are several hard inquiries listed on my credit report that I do not recognize or authorize. These inquiries have adversely affected my XXXX XXXX, making it difficult for me to secure favorable financing options. Under the Fair Credit Reporting Act ( FCRA ), I can dispute any inaccuracies in my credit report, including unauthorized inquiries. 

I'd like for you to look into these questions and take appropriate action to remove any that are not legitimate. I believe these inquiries XXXX violate the FCRA provisions that require a permissible purpose for accessing my credit report. 

I would appreciate a prompt response regarding the actions taken to address this matter. 

Thank you for your attention to this issue

Company response to consumer: Closed with explanation