vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-04-16 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: FL

Complaint narrative:
XXXX continues to report an authorized user account as if I have ownership of the account. I was removed electronically from this credit card months ago, before it was closed. However, when I dispute this account with Equifax, they continue to say the card is mine and I am the owner. Equifax requests a letter stating that I was removed as an authorized user before they will delete this from my credit report. However, XXXX reps refuse to offer the letter and still continue to make me responsible for this account, at XXXX point saying nothing can be done since they have sold the account to someone else. I am not legally liable for this account and want it deleted from my credit report. XXXX XXXX, my mother, is legally liable for it. I was just an authorized user.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: NE

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-04-16 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:
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 explanation
Consumer complaint received 2024-04-16 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: NE

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I asked Synchrony to remove fees since I was paying what I think was well in advance of the due date of the XXXX of the month. They said I could not make payments prior to their billing cycle which they said was sent to me. My dental uses them for patients with outstanding balances : mind was more than than {$4000.00}, however, there was no interest if balance was paid before a year. I was paying {$500.00} a month.

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 2024-04-16 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: MD

Complaint narrative:
I submitted a complaint regarding the reporting of XXXX XXXX XXXX of an account with data inaccurate. I requested this account be deleted for inaccurate reporting. I received a letter back from Transunion after pointing out the discrepancies XX/XX/16 that it meets FCRA. I have attached the document which clearly shows an open account which a collections account should not be reporting open and it also is reporting past due which is also a violation. As such I am requesting damages in the amount of XXXX as well as the removal of the account from both my TransUnion account as well as my XXXX 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 non-monetary relief
Consumer complaint received 2024-04-16 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: EQUIFAX, INC.
State: NE

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
Affirm sent my unpaid loan to XXXX XXXX for collection. I paid the settlement amount and resolved the debt. Affirm updated my credit report with incorrect payment details after I have called and provided documentation to show that the debt has been resolved. Please update my credit report accurately. I paid the settlement amount and my balance should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: NE

Complaint narrative:
I beg you please remove this from the 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 non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-16 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: MI

Complaint narrative:
XXXX sent my unpaid loan to XXXX XXXX for collection. I paid the settlement amount and resolved the debt. XXXX updated my credit report with incorrect payment details after I have called and provided documentation to show that the debt has been resolved. Please update my credit report accurately. I paid the settlement amount and my balance should be 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 2024-04-16 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: NV

Complaint narrative:
I am writing to lodge a formal complaint regarding the inaccurate reporting of an account on my credit file with TransUnion and XXXX. Pursuant to the U.S. Code 15 1681, and any other relevant laws governing fair credit reporting, I demand the immediate removal of this erroneous information from my credit report. 

On XX/XX/2024, I sent a letter to both TransUnion and XXXX disputing the presence of this account on my credit report. I have attached a copy of this letter, along with my valid identification bearing my current address, as well as a copy of my credit report highlighting the disputed account. Despite my diligent efforts to rectify this discrepancy, neither TransUnion nor XXXX have taken appropriate action to correct their records. 

It is worth noting that two other major credit bureaus have already acknowledged the inaccuracies in their reporting and have duly removed the disputed account from my credit file. Only XXXX remains, indicating a clear discrepancy in the handling of this matter. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. The continued presence of this erroneous account negatively impacts my creditworthiness and financial standing. Failure to rectify this matter within 30 days will leave me with no choice but to pursue legal action. Furthermore, I reserve the right to seek damages amounting to {$1000.00} for each day that the inaccurate information remains on my credit report. 

I urge you to investigate this matter promptly and take the necessary steps to delete this inaccurate information from my credit file. Your cooperation in this regard is appreciated.

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 2024-04-16 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: SC

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 INQUIRIES. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-16 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: IL

Complaint narrative:
I have reached out to the following accounts below and talked to them about the issue with my account as reported by the TRANSUNION. They have advised me that they will remove the account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report these accounts are still reporting. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

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 2024-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX had ask credit acceptance to remove the repossession from my report which they refuse to remove it. XXXX XXXX XXXX sent them documents about the investigation and the new update as well, which credit acceptance sent XXXX XXXX  XXXX the wrongfully sent so called information to my lawyer about the me not having GAP insurance. I called credit acceptance last week and left a voicemail asking about documents if they resold the vehicle, I havent yet gotten a letter stating that the vehicle was sold. Credit acceptance knew they were high robbing their borrowers, ruining their clients credit even if the vehicle was paid in full or not. In NJ case they had the hiding fees in the contract. Which I will send the documents

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 2024-04-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After many unsuccessful attempts at advancing Experian XXXX XXXX credit bureau pertaining to the fraudulent trade lines reporting on my credit report. They refused to comply with FCRA 605B advising me that I am not providing sufficient proof. I have enclosed my FTC report and enclosed the Police report pertaining to the identity theft, along with my identification.

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 2024-04-16 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
The companies ' information and dates have been mistakenly associated with my identity. Please refer to the included report and this complaint for clarification on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
The companies ' information and dates have been mistakenly associated with my identity. Please refer to the included report and this complaint for clarification on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding significant inaccuracies and fraudulent activity present in my credit report, which have been causing detrimental effects on my consumer rights and financial well-being. 

Recently, I discovered several discrepancies within my credit report provided by Equifax. These discrepancies primarily concern inaccurate personal information and unauthorized credit inquiries, which pose a serious threat to the integrity of my financial profile. Despite my efforts to address these issues directly with Equifax, I have yet to see any meaningful resolution. 

Personal Information for Equifax : NAME : XXXX XXXX XXXX XXXX It has come to my attention that there are variations of my name existing within Equifax 's records. I have requested the immediate removal of any entries that do not precisely match my correct name, " XXXX XXXX XXXX XXXX. '' However, these inaccuracies persist, potentially compromising the accuracy of my credit profile. 

CURRENT ADDRESS : XXXX XXXX XXXX, XXXX, NC XXXX Furthermore, there are additional addresses listed in Equifax 's system that do not correspond to my current residential address. I have explicitly requested the deletion of any address entries that do not align with " XXXX XXXX XXXX, XXXX, NC XXXX '' to ensure the accuracy of my credit information for future transactions. 

Unauthorized Credit Inquiries : Inquiries made by the following entities were unauthorized, and I did not provide consent for any inquiries : XXXX, XXXX, Equifax XXXX XXXX XXXX XXXX XXXXXXXX, Equifax XXXXXXXX XXXX XXXX XXXXXXXX, Equifax XXXXXXXX XXXX XXXXXXXX, Equifax These unauthorized inquiries not only violate my privacy rights but also undermine the integrity of my credit report, potentially leading to adverse consequences for my financial well-being. 

In conclusion, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary actions to rectify the inaccuracies and fraudulent activities present in my credit report. Your prompt attention to this issue is crucial in safeguarding consumer rights and ensuring fair and accurate credit reporting practices. 

Thank you for your assistance in addressing this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: NE

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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 non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
Hello, today XXXX I received a call from XXXX XXXX about a collection owed, I told the person I would pay the remaining debt off but things came up to where I couldn't. I told him I can pay him {$100.00} on Friday XX/XX/2024, he proceeded to tell me that instead he is going to have his lawyer file a law suit. I was telling him stuff happens and I am a single mother of XXXX children and could not pay it all off at one time, he talked to me and threaten me to file a lawsuit and it made me cry because I am already getting garnished and for him to talk to me like that was unacceptable and he hung up in my face. The company is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Checkr, Inc
State: MO

Complaint narrative:
On XX/XX/2024 Checkr and XXXX initiated a background check for employment and contract opportunities, upon this report being ran it was done so in a very untimely unprofessional and unlawful manner, Checkr the background check company took a total of 2 months just to inform me that the report had been cancelled, Checkr and XXXX also fabricated stories about it being delays on criminal information, Ive never been charged or convicted of any crimes but was repeatedly told by XXXX and Checkr that they were waiting on criminal information to come back, the key factor is that I applied for XXXX around the same time I applied for XXXX, when XXXX ran my background check it only took 3 days versus XXXX taking two months, all the information on my XXXX  background check was correct and I was able to go online and drive on the platform, my question to Checkr is how did I get two different background reports from the same company why wasnt XXXX informed about me having a clean background and Motor Vehicle Report FCRA And Privacy Violations Checkr background report was never sent to me the beneficiary and or implied surety Checkr background report took longer than 30days it was cancelled and never completed Checkr background report was never provided back to XXXX the company I applied for Checkr provided two different background reports the XXXX report was revised and completed the other report that was ran for XXXX was cancelled for undisclosed reasons Checkr background report gave a false representation of my creditworthiness

Company response to consumer: Closed with explanation