vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 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: MI

Complaint narrative:
Transunion has refused to run accurate disputes for the past year, no disputes are ever run unless a CFPB complain is submitted. On XX/XX/XXXX ( see attached documentation ) I sent a 25 page packet will all my personal information certified mail to transunion which included all the prior accounts remove due to fraud as well as all the required identity information they requested. Transunion ignore the documentation as they have prior and I had to call in to resolve the issue. When I called they said they had no dispute open. I told them to open disputes for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX as these accounts have already been removed from my XXXX do to fraud, they said they would open disputes. When I check back a week later they said again no disputes were open. I again called and told them to open dispute and submitted the removal files from XXXX and after yelling at me over the phone they said they would but when I logged in to check again no disputes were open.this was Violation 1 15 U.S. Code 1681i - Procedure in case of disputed accuracy as not only has the dispute gone far longer than 30 days they have failed to investigate the information presented. They did not even open the 25 page document sent and received Violation 2 was Violation of 15 U.S. Code 1692c - Communication in connection with debt collection. They have continued to update accounts instead of removal even when provided with dispute evidence. They have not ran a single dispute to FCRA accuracy AND have violated my consumer right on numerous occasions. I do not want the same person I spoke with or person who tossed my documents to be handling this dispute I need a manager to resolve said issues

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 2024-09-10 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: MI

Complaint narrative:
Transunion has refused to run accurate disputes for the past year, no disputes are ever run unless a CFPB complain is submitted. On XX/XX/XXXX ( see attached documentation ) I sent a 25 page packet will all my personal information certified mail to transunion which included all the prior accounts remove due to fraud as well as all the required identity information they requested. Transunion ignore the documentation as they have prior and I had to call in to resolve the issue. When I called they said they had no dispute open. I told them to open disputes for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  as these accounts have already been removed from my XXXX do to fraud, they said they would open disputes. When I check back a week later they said again no disputes were open. I again called and told them to open dispute and submitted the removal files from XXXX and after yelling at me over the phone they said they would but when I logged in to check again no disputes were open.this was Violation 1 15 U.S. Code 1681i - Procedure in case of disputed accuracy as not only has the dispute gone far longer than 30 days they have failed to investigate the information presented. They did not even open the 25 page document sent and received Violation 2 was Violation of 15 U.S. Code 1692c - Communication in connection with debt collection. They have continued to update accounts instead of removal even when provided with dispute evidence. They have not ran a single dispute to FCRA accuracy AND have violated my consumer right on numerous occasions. I do not want the same person I spoke with or person who tossed my documents to be handling this dispute I need a manager to resolve said issues

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 2024-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I went to work abroad and when I came back my apartment was going through renovation which was due to a building flood. The situation which my car plays a role is me making a payment before i left and when i came back i parked my car on the street which it was picked up for as a repo. I called in and they said I didn't make a payment and it was three months behind. I had no knowledge of this nor that they pick the vehicle up without explaining this to me. I then kept calling to find out what the status was to get out. Which a month prior to this my car was impounded for tickets I had no awareness of due to the dmv not giving me the correct info. I called dmv and they couldnt locate where the tickets came from they only had phone number for me to call. I called then and they companies didnt have a record of my tickets. So Iong story short... I had to pay over XXXX for 2 years of registration due and tickets they couldnt find. Leading to me not being able to make the payment to get my car out of storage from repo. These systems has caused me havoc anxiety and trauma. If I know about the extensions I could take with car I would never be in this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. I would like those items immediately re-investigated. The inaccuracies are highly injurious to my credit score. In accordance with the fair credit reporting act public law 91-506, Title VI. Section 611, please provide the name and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my report after your investigation. The account is 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 explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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 explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I never received any written notification about the alleged debt, and now they are reporting false information on my credit files, continuing to call telling me they're going to take me to court. This is not my account nor my debt. I am a victim of XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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:
Credit score was lowered when nothing on my credit report has changed whatsoever .. Experian lowered my score for no reason. Then there was no source to check with or to complain We the consumer are left holding the bag with no one to complain to .. all automated systems that ask the wrong questions Credit Bureaus should be held 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 2024-09-10 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: IN

Complaint narrative:
on XXXX XXXX there were several transactions made on my debit card that were not made by me. the total amount was over XXXX dollars and i have yet to see that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I do not have any ties to the listed creditors, and these inquiries were not initiated by me.

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 2024-09-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I received a late fee off XXXX in the month of XXXX. I had made a payment of XXXX $ twice that month on the XXXX of XXXX and the XXXX of XXXX. I was told that I made a payment to early on the XXXX and made a payment 1 day late. They said they would wave XXXX $ of it and this is the second time they have done this. Besides the interest rate being at 35.99 %. I dont believe this is fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX NY XXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed below XX/XX/

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: VI

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding a debt collection matter that I am completely unfamiliar with. I have recently received communications from PORTFOLIO RECOVERY regarding a {$500.00} debt. 

I have no recollection of incurring this debt or having any prior dealings with [ Debt Collector ]. I have attempted to contact PORTFOLIO RECOVERY to obtain more information about the alleged debt, but my attempts have been unsuccessful.

I believe this may be a case of mistaken identity or a fraudulent debt claim. I am requesting that you investigate this matter thoroughly and take appropriate action to protect my rights as a consumer. 

Please find attached copies of all relevant documents that I have received from PORTFOLIO RECOVERY. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XX/XX/XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: CarMax, Inc.
State: IL

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: UT

Complaint narrative:
I was in arrears on my mortgage payments. I brought the payments current on XX/XX/year>. However, I keep receiving collection notices from the lender. I have received no fewer than four phone calls from the lender demanding payment, and I have found collection notices taped to my front door no less than three times after the above date. On each occasion, I have called the lender to try to stop the harassment. Because my payments were in arrears, I have been told that they arranged for a series of collection notices to be sent to me. They also say that they will discontinue the notices only as it is convenient for them. 

Here is the information : Lender : Flagstar Bank Loan Number : XXXX I am attaching a copy of the most recent loan collection notice that was placed on my friend door on XX/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