vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
Notice to an agent is notice to the principal. I am writing this to dispute these accounts that have been reporting inaccurate information. I was XXXX  for 5 years and was XXXX  XX/XX/2024, so some of these accounts I have no clue about. For the other accounts, I am requesting information so I can ensure the accuracy of the information being reported, per 15 USC 1681e ( b ), and 15 USC 1681s-2 ( a ) ( 1 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: General Motors Financial Company, Inc.
State: KS

Complaint narrative:
I submitted a prequalification form through the GM Financial website ( Form located here : XXXX XXXX XXXX  ) This form requires you review a disclosure prior to submitting the prequalification form. Part of that disclosure states : " The words I, me, you, and your means the person submitting this application. 
I am providing permission to GM Financial to obtain a consumer report on me, the consumer per 604 ( a ) ( 2 ) of the FCRA The consumer report as well as any information in or derived from the consumer report will only be used in connection with the prequalification Obtaining the consumer report will result in a soft inquiry posting and will not affect the consumers credit score The consumer report as well as any information in or derived from the consumer report will not be used in connection with a credit application Financing through GM Financial is only available through participating Dealers. If you are pre-qualified for financing, you must contact your selected Dealership to select your vehicle, apply for credit and finalize your transaction.

GM Financial will evaluate your prequalification eligibility on behalf of the dealer you select and transmit the information provided in the prequalification application to the GM dealer you select, and transmit the contact and vehicle information you provide to GM. We recommend that you check the privacy statement of GM and the GM Dealer you select before providing any personal information. The GM Financial privacy statements and online privacy policy can be found at XXXX : XXXX You agree that you are providing your written instructions to GM Financial under the Fair Credit Reporting Act authorizing GM Financial to obtain information from your personal credit profile or other information from XXXX. You authorize GM Financial to obtain such information solely to conduct a prequalification application review. The consumer report as well as any information in or derived from the consumer report will not be used in connection with a credit application. "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX  XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DC XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : XXXX XXXX XXXX Educational Systems XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 


I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law.

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 


Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : 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 2024-12-05 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DC XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : XXXX XXXX XXXX Educational Systems XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 


I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law.

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 


Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: MD

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Against TransUnion Regarding Inaccurate Late Payment Reporting for XXXX XXXX  XXXX Account Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX  XXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers.

Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : Account Number : XXXX High Balance : {$1900.00} Last Verified : XX/XX/XXXX ( TransUnion ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Description : Individual, Closed or paid account/zero balance Dispute Status : Account not disputed Creditor Type : Bank Credit Cards ( TransUnion ), National Credit Card Companies XXXX XXXX XXXX Account Status : Closed Payment Status : Late 30 Days Creditor Remarks : Canceled by credit grantor ( TransUnion ), Closed due to inactivity ( XXXX ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$1700.00} Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2024-12-05 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:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should 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 2024-12-05 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:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should 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 explanation
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
1. Conduct a thorough investigation into the reported inaccuracies for all accounts listed 1.Identity Theft. 
XXXX XXXX XXXX Account XXXX My parent has the same name as me. 
XXXX Theft. 
XXXX XXXX XXXX Account XXXX Please remove inaccurate reported late payments update to paid as agreed 3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please Update all payment, all pay was made on time.

4.Identity Theft. 
XXXX XXXX XXXX XXXX Account XXXX Please removed from my public record 5.Identity Theft. 
XXXX XXXX Account XXXX i dont recall having latepayment on this account XXXX. Identity Theft. 
XXXX XXXX XXXX Account XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX 8.Identity Theft.

XXXX XXXX XXXX Account XXXX I need to see al bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment XXXX. Identity Theft. 
XXXX XXXX XXXX Account XXXX Please investigate and delete from my credit report.

10.Identity Theft. 
XXXX XXXX Account Number : **** This is not mine. I am a victim of ID Theft and I have included a police report.

Please investigate and remove from my credit report.

11.Identity Theft. 
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 non-monetary relief
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
1. Conduct a thorough investigation into the reported inaccuracies for all accounts listed 1.Identity Theft. 
XXXX XXXX XXXX Account XXXX My parent has the same name as me.

2.Identity Theft. 
XXXX XXXX XXXX Account XXXX Please remove inaccurate reported late payments update to paid as agreed 3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please Update all payment, all pay was made on time.

4.Identity Theft. 
XXXX XXXX XXXX XXXX Account XXXX Please removed from my public record 5.Identity Theft. 
XXXX XXXX Account XXXX i dont recall having latepayment on this account XXXX. Identity Theft. 
XXXX XXXX XXXX Account XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Theft. 
XXXX XXXX XXXX Account XXXX I need to see al bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment XXXX. Identity Theft. 
XXXX XXXX XXXX  Account XXXX Please investigate and delete from my credit report.

10.Identity Theft. 
XXXX XXXX Account Number : **** This is not mine. I am a victim of ID Theft and I have included a police report.

Please investigate and remove from my credit report.

11.Identity Theft. 
XXXX XXXX NA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I TRIED MANY TIMES TO OPEN ACCOUNTS WITH THESE FINANCIAL INSTITUTIONS THEY SOMETIMES OPEN THE ACCOUNTS AND IMMEDIATLY CLOSE THEM. I AM CURRENTLY UNABLE TO OBTAIN PERSONAL NOR BUSINESS ACCOUNTS WITH OF THEM. I JUS WANT THE FOLLOWING INSTITUTIONS TO ALLOW ME TO OPEN BANK ACCOUNTS TO OPERATE MY SMALL BUSINESSES THANK YOU WELLS FARGO, XXXX XXXX XXXX XXXX XXXX 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 2024-12-05 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I bought a {$140.00} visa vanilla gift card at the beginning of XX/XX/year> and it did not work so I called the company and they said they would send me a new card and it would be to me in XXXX business days and over XXXX days passed and it did not come so I called them again and this time they said they would send it priority and it would be to me in XXXX days XXXX  days passed and no card in the meantime I have missed out on XXXX major sales of the year XXXX XXXX  and XXXX XXXX  and I called again this time they said call back in XXXX hours I did and this time they tried to claim XXXX couldn't find my address which is a lie they are here regularly so they wanted a utility bill with my address so I emailed that to them and the next email wanted to know why my last name on my email and card were different well my email is not legal and is made up and therfore can be whatever I want it to be but I use my legal name for legal things and it did not require my name OR address to buy this card with my cash and I have gotten nothing but the run around and run around and at this point they are STEALING from me also I told them that I was XXXX and will be filing for XXXX discrimination as well I want my money and I don't care what they need to do in order for this to happen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im writing to report an issue with fraudulent accounts that have shown up again on my credit report ( XXXX XXXX XXXX and XXXX ). These accounts were deleted after I disputed them as part of an identity theft case. I had already worked with Experian, and they confirmed its removal on XX/XX/XXXX. Now, I see that the same accounts have been reinserted, and I wasnt notified about it. This isnt just frustratingits also a violation of the Fair Credit Reporting Act, which says I should have been informed within 5 business days of any reinsertion. These accounts are fraudulent, inaccurate, and have been causing me unnecessary stress. I need Experian to delete it again and confirm for me that its gone for good. Id also like to know what steps are being taken to prevent this from happening again. Im counting on your help to fix this quickly and make sure my rights under the FCRA are respected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account XXXX XXXX XXXX  XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account XXXX XXXX XXXX XXXXXXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
I'm a victim of identity theft pursuant to Section 605B of federal law, which protects against the unauthorized use of my personal information. This situation has caused me significant distress and has impacted my ability to manage my financial affairs. I have taken steps to report this theft to the authorities and to safeguard my identity, including notifying my financial institutions and credit reporting agencies. I am committed to resolving this issue and reclaiming my identity. MY FTC REPORT LIST ALL FRAUD *****PLEASE READ FTC REPORT IN DETAIL*********

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm a victim of identity theft pursuant to Section 605B of federal law, which protects against the unauthorized use of my personal information. This situation has caused me significant distress and has impacted my ability to manage my financial affairs. I have taken steps to report this theft to the authorities and to safeguard my identity, including notifying my financial institutions and credit reporting agencies. I am committed to resolving this issue and reclaiming my identity. MY FTC REPORT LIST ALL FRAUD *****PLEASE READ FTC REPORT IN DETAIL*********

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