vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 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: Mortgage Research Center, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX  the inquiry was made XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> paddio XXXXXX/XX/year> XXXX XXXX XXXX i am requesting for all of these accounts to be removed they are affecting my credit score and i did not authorize of them to be screened

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Previous I reviewed a copy of my credit and found fraudulent accounts, I would like them to be removed 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 non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX reported a car loan on my credit report for account number beginning XXXX, opened on XX/XX/2023, even though my wife owns the car and is the primary lienholder. According to the definition of cosigner in 15 USC 1650 ( a ) ( 1 ), a spouse is excluded as a possible cosigner. Therefore, the loan should ONLY show on my wife 's credit report ( which it does ) and should be removed from my credit report. Furthermore, 15 USC 1681 section 604a section 2 states that a consumer reporting agency may furnish a consumer report only per the written instructions of the consumer to whom it relates. '' XXXX XXXX and the credit bureaus do not have my consent to furnish this information, written or otherwise. Any consent to XXXX, XXXX, Transunion or to XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise, is revoked.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX reported a car loan on my credit report for account number beginning XXXX, opened on XX/XX/year>, even though my wife owns the car and is the primary lienholder. According to the definition of cosigner in 15 USC 1650 ( a ) ( 1 ), a spouse is excluded as a possible cosigner. Therefore, the loan should ONLY show on my wife 's credit report ( which it does ) and should be removed from my credit report. Furthermore, 15 USC 1681 section 604a section 2 states that a consumer reporting agency may furnish a consumer report only per the written instructions of the consumer to whom it relates. '' XXXX XXXX and the credit bureaus do not have my consent to furnish this information, written or otherwise. Any consent to Equifax, XXXX, XXXX or to XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise, is revoked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear EXETER FIN, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws specific to XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that EXETER FIN has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, specifically in XXXX XXXX, underscores the necessity of consumer consent for credit reporting. The identity theft and fraud provisions in Missouri 's Revised Statutes Sections 570.223 and 570.224 emphasize the severe repercussions for unauthorized use of personal information, which includes credit reporting without explicit consumer consent. 

I assert with unwavering certainty that I have not provided consent for EXETER FIN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that EXETER FIN immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws against identity theft and fraud. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that EXETER FIN will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have 2 savings accounts through this bank. I had left them untouched for an extended period of time both accounts went to " inactive '' state due to inactivity. When I realized the accounts went " inactive '' I reached out to Citibank to initiate the process to reactivate them asap to withdraw the balance and close the accounts. I have followed their instructions and have sent them the required paperwork to re-activate both accounts. Initial date of contact with Citibank was XX/XX/24. I received instructions to reactivate accounts, I followed through with that and until this they continue to refuse to reactivate my accounts stating they will follow up with the process and return to me with an update. It's been over 2 months and no answers from Citibank nor are my accounts reactivated. I just want what is rightfully mine ( my money ) and close those accounts asap.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX to XXXX XXXX CFPB complaint # XXXX. 
I received my credit report by TransUnion by mail and indeed their investigation did not fix anything on my credit profile so today I am writing a complaint to fix the inaccurate information and asking for the CFPB to ensure that my rights are not being violated once again by transunion I am writing to file a formal complaint against Transunion a major credit reporting agency, against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 - I have identified multiple discrepancies and inaccuracies in the reporting of my personal information, including addresses, phone numbers, on my credit reports provided by these agencies. The only correct name and address that should be reporting are : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX The following Are in error Phone Numbers XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Addresses are listed below XXXX XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX, XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX Pa XXXX These inaccuracies are not only damaging XXXX creditworthiness but also infringing upon my rights XXXX a consumer seeking fair and accurate credit reporting. As per the FCRA, I have the right to dispute any information contained in my credit report that I believe to be inaccurate. I have requested these credit reporting agencies to investigate these inaccuracies and delete these entries from my credit reports in accordance with Section 1681s2 ( a ) ( 1 ) ( E ) of the FCRA. However, these inaccuracies continue to be included in my credit reports, damaging my creditworthiness and infringing upon my rights as a consumer. I kindly request the CFPB to intervene in this matter and ensure that these credit reporting agencies comply with the FCRA. I also request that these agencies provide written confirmation of the removal of these inaccuracies within 30 days, as per Section 1681s2 ( a ) ( 3 ) of the FCRA. Thank you for your attention to this matter. I look forward to your prompt action in rectifying these violations and upholding the standards set forth by the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-05-28 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: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX Attn : XXXX, I received a notice that my accounts in good standing are being closed. I am requesting that these accounts be re-opened or allowed to remain open. I have held several of these accounts for years, and closing them will negatively impact my credit score. Additionally, I still actively use these accounts. 

A previous FTC report, which was filed in error, has now been corrected. 

The specific accounts I request to be corrected/kept open include, but are not limited to, the following : - XXXX  # XXXX ( XX/XX/year> ) {$2300.00} - XXXX # XXXX ( XX/XX/year> XXXX XXXX XXXX # XXXX - XXXX # XXXX Confirmation and updated evidence have already been sent to all reporting credit bureaus. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
Hyundai motor finance is scamming me. We were involved in a motor vehicle accident on XX/XX/year> that rendered the vehicle a total loss. Hyundai submitted a letter of guarantee ( attached to this case ) requesting about {$17000.00} for the vehicle to be considered paid off. My insurance company issued the check to Hyundai and the check was cashed just a few days after receipt. XXXX weeks later Hyundai called me stating they made a mistake and want me to pay and additional {$13000.00} out of pocket, claiming they made an error on their calculations, the representative on the phone agreed that this was in fact a Hyundai error and they will try to resolve it for me, Im unsure of what unfolded after the fact. I waited for a little over a month after the conversation with Hyundai assuming they resolved the issue, however I was wrong, instead of calling me back Hyundai took the easy way out and mailed me a letter letting me know that I owe them this balance. This is completely wrong in the part of Hyundai, Im being held liable for something they created. When I XXXX  purchased the vehicle ; Hyundai received around $ XXXX from me as a down payment for the car and they are being greedy now. This is affecting my livelihood by a lot, Im a public servant living at my mean, I can not afford this error like Hyundai can. Please rectify this issue. Ive been fed lies by both parties and Im honestly unsure who to trust at this point.

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 2024-05-29 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: FL

Complaint narrative:
I did not authorize the companies XXXX nor XXXX XXXX XXXX XXXX to furnish anything to my credit report. Under FCRA 15 U.S.C 1681 Section 604a Section 2 - Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I need all accounts related to the companies stated above to be removed from my credit report immediately.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

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 2024-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
Reported death of spouse ( holder of the debt ). Started another bill in my name. The utility company represented by XXXX and XXXX is attempting to collect past debt owed by spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
These inquiries below are fraudulent and does not belong to me I did not authorize anyone to pull my credit for any credit application. Experian has failed to uphold reasonable procedures to prevent FCRA violations and to restrict consumer report furnishing to the purposes delineated in 15 USC 1681b of the FCRA, as mandated by 15 USC 1681b. Promptly remove all inquiries from my credit report immediately and indefinitely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, as a federally protected consumer. I am now opting out of any and all authorization I, the consumer may have given you, written, unwritten, verbal and non-verbal, per 15 USC 6802. I am also opting out of any and all authorization to give my information to a third party pursuant to 15 U.S. Code 6802. I have never received notice or disclosure to opt out per 15 USC 6802.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc.
State: TX

Complaint narrative:
I am not liable for this depth with XXXX XXXX XXXX. I do not have any account with MARS Inc, the collection agency that is trying to collect on this debt. I have never entered into any contract or done any business with MARS Inc. 
Account # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: NY

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequoia Financial Services
State: AZ

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, a new account in collections was added to my report. The collection agency is SEQUOIA XXXX XXXX. The original creditor was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: OK

Complaint narrative:
I contacted XXXX XXXX XXXX  to see if they could ask experian to remove this collection from my credit report or to see if it would be a way to remove this paid collection from being in a negative position on my credit report. I was emailed a copy of my payment made to XXXX XXXX XXXX I noticed it is different from the statement on 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