vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX confirmed in writing that this account was removed from all four major credit bureaus ( XXXX, XXXX, TransUnion, and XXXX ). However, upon reviewing my credit report, I was alarmed to discover that the account had reappeared on my TransUnion report. I did not authorize or consent to this account being reported, and TransUnion has blatantly failed to provide the legally required notice of reinsertion. This constitutes a flagrant violation of the Fair Credit Reporting Act ( FCRA ) and demonstrates a reckless disregard for federal law. TransUnion violated 15 USC 1681i ( a ) ( 5 ) ( B ) by failing to notify me of the reinsertion within five business days, 15 USC 1681b by reporting the account without my written consent, and 15 USC 1681e ( b ) by failing to ensure maximum possible accuracy in its reporting. These actions amount to willful noncompliance, entitling me to statutory damages of {$1000.00} under 15 USC 1681n ( a ). I demand that this account be deleted from my credit report immediately. Additionally, I require written confirmation of its permanent removal without delay.

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 2025-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SD

Complaint narrative:
Im seeking assistance with a vehicle title issue that has persisted for over a year. My sister paid off a vehicle over 10 years ago and gifted it to me. She has the title and a letter from XXXXXXXX XXXX, but the original loan was through Fifth Third Bank. Unfortunately, both banks have been unhelpful, passing us back and forth without resolving the lien or providing information for the XXXX XXXX XXXX XXXX XXXX in XXXX SD. Even the Treasurer 's office attempted to call and resolve this which has also been fruitless. 

I reached out to the Attorney General 's office, but their efforts yielded little progress. This situation is urgent, as I want to transfer the vehicle to my son, who currently lacks reliable transportation for work. His inability to get to work has led to significant financial difficulties, including losing a job due to transportation issues. He would still be employed had they removed the lien once it was paid. this should not be my responsibility.

I am struggling to meet my legal obligations for licensing, titling, and taxes because of this ongoing battle. I have recorded conversations with customer care with both XXXXXXXX XXXX and Fifth and Third promising follow up and not delivering. XXXX even sent me to a site where they wanted me to pay {$45.00} for a title I already have. The treasurer 's office said that if Fifth and Third would just send me a letter stating that the loan was sold to XXXX we can proceed. XXXX is saying the Fifth and Third Bank needs to follow up with this not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: OK

Complaint narrative:
Please verify this information with the credit reporting agencies Public Records- Bankruptcies Date Filed XX/XX/year> Type Individual Verified Date ( blank ) Filer Subject Liability ( blank ) Court US BANKRUPTCY COURTOKLAHOMA C Exempt Amount ( blank ) Asset Amount ( blank )

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 2025-01-14 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: OK

Complaint narrative:
Please verify this information with the credit reporting agencies Public Records- Bankruptcies Date Filed XX/XX/year> Type Individual Verified Date ( blank ) Filer Subject Liability ( blank ) Court US BANKRUPTCY COURTOKLAHOMA C Exempt Amount ( blank ) Asset Amount ( blank )

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 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: IN

Complaint narrative:
On my XXXX report it is report an account from XXXX XXXX that I have not given permission to disclosure any non public information. This account should never have been put on my credit report per my consumer rights under the Fair Credit reporting act. It clearly states that for a financial institution to report any non public information such as financial relationship of accounts, they need to have my written permission to report this information. I have never given them this permission and they have violated 15 U.S. Code 6802 clearly.

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 2025-01-14 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: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have several accounts and even names on my credit report that need to be removed and updated. I believe having a common name has caused some sort of mix up with my credit report. However its causing my score to drop and Im having to figure out where this issue is coming from. I have 6 different accounts on my credit report that need to be removed. I have no knowledge of these collections or companies and Ive never given any of them my information for an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. It has been brought to my attention by Equifax, that my personal information has been compromised in a XXXX XXXX XXXX, in XXXXXXXX XXXX XXXX. After reviewing my credit report, I have noticed several accounts that I don't recognize. Due to my personal information being breached, I have submitted a complaint with CFPB, reporting all fraudulent accounts.Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: WI

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 2025-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial
State: FL

Complaint narrative:
I have used Koalafi, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, VA XXXX, ( XXXX ) XXXX, in the past without issues but this particular " lease '' as they call it, feels very different. 

I borrowed {$1600.00} and by the time I pay this lease off, I will have paid three times as much as I borrowed. When does this become a criminal exploit? I feel these companies are blatantly taking advantage of people who are barely existing financially and do not have unlimited savings to pull from. Unfortunately, I had to have emergency work done on my car and I live paycheck to paycheck. The quote given to me was a lot less than what was due when I picked my car up and had to make a decision to use the financing company. My children and I rely heavily on this vehicle to get to school and work. 

I emailed the company in XXXXXXXX XXXX, as I feel I have paid well over what was due and was willing to work with the company to come to an amicable conclusion to pay off this lease. I never received a response from the company. I also worked with my bank to solve this issue and they were not able to assist in working with the company. I called today on XX/XX/XXXX and I spoke to XXXX, who is a supervisor ( they never give last names ) which is a XXXX  flag. She was not supportive or willing to work with me. 

I borrowed {$1600.00} To date I have paid {$2400.00} With another {$100.00} coming out of my bank account as we speak. 

When this lease is done, it will be well over {$5000.00} that I will have paid. This is fraudulent and should be bordering on illegal. I am asking that something be done to bring this lease to a close with more acceptable and achievable payment terms. 

Thank you, XXXX XXXX, XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. 1 Please remove the following inaccurate address from my credit report : XXXX IL, XXXX XXXX XXXX XXXX # XXXX You did not con XXXX XXXX XXXX # XXXX According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair Credit Reporting Act. Please remove immediately.

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA governs how consumer credit reports are accessed, and it aims to protect the accuracy, fairness, and privacy of personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC.
State: MD

Complaint narrative:
As of XX/XX/year>, customers ( including me ) are unable to log on to the Optum Bank system to submit claims and check on the status of claims. Attempts to log on are met with the message " Something went wrong. Please refresh your browser and try again. '' In conferring with other XXXX retirees who use the Optum Bank  XXXX system, this is a widespread problem affecting all users. Moreover, other logon problems began about a XXXX weeks ago. The other logon problems were reported to Optum Bank representative XXXX XXXX, who has promised to respond but has not done so. 

Additionally, when calling Optum Bank customer support to inquire about the anticipated duration of this problem, the customer support representatives can not hear callers at all.

It is clear that Optum Bank 's electronic systems are in horrific disrepair and the failures are getting worse by the day.

When will these problems be resolved? What steps is Optum Bank taking to stabilize their systems?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Financial institutions made inquiries which were not initiated by me : Citizens Bank XXXX and XXXXXXXX CBNA XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX and reported on my credit reports, XXXX, XXXX XXXX XXXX I have contacted each by phone and informed them that these requests were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, XXXX confirmed in writing that this account was removed from all four major credit bureaus ( XXXX, Equifax, XXXX, and XXXX ). However, upon reviewing my credit report, I was alarmed to discover that the account has reappeared on my Equifax report. I did not authorize or consent to this account being reported, and Equifax has blatantly failed to provide the legally required notice of reinsertion. This constitutes a flagrant violation of the Fair Credit Reporting Act ( FCRA ) and demonstrates a reckless disregard for federal law. Equifax violated 15 USC 1681i ( a ) ( 5 ) ( B ) by failing to notify me of the reinsertion within five business days, 15 USC 1681b by reporting the account without my written consent, and 15 USC 1681e ( b ) by failing to ensure maximum possible accuracy in its reporting. These actions amount to willful noncompliance, entitling me to statutory damages of {$1000.00} under 15 USC 1681n ( a ). I demand that this account be deleted from my credit report immediately. Additionally, I require written confirmation of its permanent removal without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
Contacted my sister in law about my debt. The original loan was XXXX XXXX I have never done business or anything With Rev-Now. I have never signed or agreed to pay Rev Now and have never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-14 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: DISCOVER BANK
State: GA

Complaint narrative:
I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been XXXX that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status. 

According to the IRS, this is tax fraud and I am not afraid to report you for this. As is my right, I am demanding that you DELETE this inaccurate information from my credit report and demand you to send me a copy of the XXXX to the address above or via email. 

Your agency has violated the maximum possible accuracy law under the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681e ( b ) as you are clearly reporting information that is NOT 100 % accurate. Should you continue to report this information, this leads to you violating 15 USC 1681s-2, because you now have reasonable cause to believe the information is inaccurate, so you would WILLFULLY continue to violate various federal laws by continuing to report this information thats harming my character.

Company response to consumer: Closed with explanation