vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attention : CREDIT AGENCIES I recently received a copy of my credit report, and I noticed some unauthorized Inaccurate accounts on my consumer report that should not be on there at all since I am the beneficial owner of my consumer report! Also their is an INTERNAL BLOCK PLACED ON MY REPORT THAT NEEDS TO BE REMOVED AS WELL. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : BY YOU REPORTING AS A UNAUTHORIZED THIRD PARTY WITH NO PERMISSIBLE PURPOSE UNDER 15USC 1681b you are committing identity theft UNDER GBLA and PRIVACY ACT of 1970 List of accounts below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of this account ( XXXX ) is in violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ATTACHED IS A COPY OF MY FTC REPORT, ID, and W2 I expect with in 5 business days these accounts are to be blocked and deleted from my report Best Regards Success All Rights Reserved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attention : CREDIT AGENCIES I recently received a copy of my credit report, and I noticed some unauthorized Inaccurate accounts on my consumer report that should not be on there at all since I am the beneficial owner of my consumer report! Also their is an INTERNAL BLOCK PLACED ON MY REPORT THAT NEEDS TO BE REMOVED AS WELL. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : BY YOU REPORTING AS A UNAUTHORIZED THIRD PARTY WITH NO PERMISSIBLE PURPOSE UNDER 15USC 1681b you are committing identity theft UNDER GBLA and PRIVACY ACT of 1970 List of accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The reporting of this account ( XXXX ) is in violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ATTACHED IS A COPY OF MY FTC REPORT, ID, and W2 I expect with in 5 business days these accounts are to be blocked and deleted from my report Best Regards Success All Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NJ

Complaint narrative:
I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-01-08 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: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: U.S. BANCORP
State: MN

Complaint narrative:
On XXXX XXXX XXXX a credit limit increase was requested to US Bank. However, there is no indication that a HARD PULL of my XXXX XXXX would be conducted. Upon seeing the hard pull on my credit, I immediately called US Bank Customer Service to request a reversal. This was not granted. When asked why a hard pull was conducted or why there was no communication about the process, the Agent directed to me to a non-existing notification of the policy.

This should be made crystal clear as a hard pull is damaging to credit scores. This is a predatory practice that must cease.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
I am writing to dispute the accuracy of certain accounts reported on my credit report which was recently provided to me by your agency. Upon reviewing my Experian report I found that several accounts which have already been blocked or removed from my credit report with other bureaus ( namely XXXX ) are still being reported to Experian. 

The accounts in question have already been blocked or deleted from my credit reports with XXXX, likely due to prior errors, fraud prevention measures, or updates in reporting criteria. Given this, I believe that their continued presence on my Experian credit report is an error and violates the XXXX requirement for accurate and consistent reporting across all bureaus Below are the details of the unauthorized accounts and inquiries I have identified : 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 XXXXXX/XX/year> I respectfully request that you XXXX. Investigate the accuracy of the accounts still reporting on my Experian credit report. 
XXXX. Verify that these accounts were indeed blocked or removed from my reports with XXXX. 
XXXX. Remove or correct the accounts on my Experian report if they are no longer valid or should have been removed in line with the updates from other bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
The credit report reported is inaccurate because I sold my vehicle to a dealership on XXXX XXXX XXXX, which was dated before my next car payment was due. The dealership, XXXX of XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, took full responsibility for paying off the car completely the moment I signed over the vehicle. If you look at my account, you can see that a complete payoff of {$35000.00} was made on the car I was financing from XXXX XXXX. It saddens me that my XXXX XXXX I worked so hard to build up into the XXXX was dropped by more than XXXX points because of a negative delinquent account that was wrongfully reported. On record, it is shown that I contacted Toyota Financial Services, and on XXXX separate occasions, I made them aware that I sold the car, and it was noted on my account that a full payoff was going to be made by the dealership. It was noted on my account, and yet I still got panelized. After being given multiple apologies, I was advised to write a letter and dispute the report. I wrote the letter to XXXX XXXX and got no response and I was also denied understanding by XXXX. I am a XXXX self-employed woman ; I have struggled but yet managed to make all of my car payments on time to protect my XXXX XXXX and I am begging for some understanding in this situation. I have attached proof from the dealership that I sold the vehicle prior to my car note being due for reference. I need someone to please look into this situation properly, I have all documentations to support my claim and I can provide them. 

I request that the above-referenced report be corrected so as to remove the past-due delinquent account on my credit report, and to further reflect that the debt of the vehicle was paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
I am facing some data breaches in my credit report, and identity theft issues. I had no money to make payments on my home I am requesting support with making payments on my home. The company did tell me in XXXX XXXX that they have assistance, but no one has told me how to apply for assistance so it won't impact my 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 2025-01-08 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: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the creditors PennyMac Loan Services LLC and XXXX XXXX  have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 

15 USC 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
There seems to be an identity theft going on with my Equifax credit report as someone tried to apply for credit card with XXXX XXXX XXXX banking institution without my consent or knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: WI

Complaint narrative:
I have sent information that they required for me almost a year and a half showing that they should remove all those inquiries off my credit report and they have not I have not got no great results I didn't file many times with y'all in y'all still haven't got no results

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: PA

Complaint narrative:
This morning, I found inaccurate accounts on my credit report, and I am completely baffled about how they got there. I check my credit report regularly, and everything has always been fine until now. I even refreshed my browser, hoping it was just a glitch, but nothing changed. The inaccurate accounts stayed, and now I feel helpless. Please review the documents Ive sent carefully so I can stop living with this constant anxiety.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CarMax, Inc.
State: LA

Complaint narrative:
On XX/XX/year>, my case was closed once Carmax responded. The response received was unacceptable. When I requested specific details about the issue, they provided vague or incomplete responses, leaving me without the clarity I needed. My experience with CarMax regarding the excessive late payments on my credit report is clearly frustrating. After acknowledging my complaint, CarMax promised to investigate and contact me, but they did not follow through with any updates or communication, leaving me in the dark about the status of my request. I specifically asked for the removal of the late payments based on the information they failed to provide. Their lack of action on this request shows a disregard for my concerns. By not updating my credit report to reflect the accurate status of my payments, CarMax has potentially harmed my credit score and financial standing, which should have been addressed promptly. Their response indicates a failure to take responsibility for the misinformation I received regarding my payment options, which has led to significant consequences for me. Overall, their inaction and poor communication after my complaint reflect an unacceptable level of customer service and a lack of commitment to resolving my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: IN

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KS

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 XXXX 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor maXXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: MD

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXXays before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: GA

Complaint narrative:
Us Bank XXXX XXXX is FALSLEY advertising info back on XX/XX/year> did a XXXX transfer when I received my new card. XXXX months later I'm getting Interest charges on XXXX transfer when I did my due diligence carefully to go with US Bank which was advertising XXXX months no Interest on XXXX transfer and new purchases. Why would a person with great credit make a XXXX transfer with a XXXX XXXX. Now they are Advertising XXXX  months on XXXX Transfer and New Purchases. I'm highly upset.

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