vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by TransUnion, XXXX and XXXX. TransUnion, XXXX and XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

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 2024-11-29 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: FL

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX and Experian. XXXX, XXXX and Experian has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

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 2024-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Beneficial owner of All caps Name ( XXXX XXXX ) was approved for a XXXX $ line of credit on XX/XX/XXXX by USAA. The Credit card was actually issued on XX/XX/XXXX. XX/XX/XXXX I sent a letter of credit to redress the credit card agreement through via USAA app, by law having the right to redress any agreements and or contracts within 2 years pursuant to Federal Trade commission act, with the right to redress being one of the basic consumer rights. USAA sent a bill on XX/XX/XXXX, I expressively put instructions on the bill, with letter of credit also sent physically to the USAAs bill payment department on XX/XX/XXXX and a document of Federal reserve section 16 to instruct the managers of the account of how the bill should be paid off but they dishonored the acceptance of the said note and sent emails as if Im still obligated to pay off this debt. Expressed in letters to USAA it states in 18 USC 8 that all obligations of the United States is to pay all bills. I spoke with a USAA employee who came oh behalf of the CEO office of USAA, and she told me I didnt have no right to redress the contract. Also in bills of exchange act the only way to pay a bill is by interest and to be so expressed to be paid to the bearer. Another letter of credit was issued on XX/XX/XXXX to satisfy the account and for this debt to be collected. This letter of credit was titled opportunity to cure to honor this performance to transfer the principal balance to the principal account number. I expressed that the application is collateral with the letter of credit for this debt to be satisfied and its guaranteed interest for principal pursuant to Federal Reserve section 16, and interests to be paid by the banks stated from 12 USC 1431. The principal is owed interest by law and performance shall be honored. The violations will be patterns, unfair practices and breach due to negligence of performance in whole which would lead to non-satisfactory to the account, and for public debt to accrue to this nation.

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 2024-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
The company Exeter Finance stated they charged off my account and sold it to XXXX management but I never received the 1099C to claim on my taxes since they wrote the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: IL

Complaint narrative:
I am requesting your intervention to resolve the issue of an inaccurate account on my credit report. This has harmed my reputation as a customer, and I urge you to remove these accounts because they are falsely reported and damaging.

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
For the record, this account and the late payment reporting of XX/XX/XXXX is disputed. 
Note to XXXX and XXXX, this account has been disputed earlier this year several times and I am disputing the late payments reported on XX/XX/XXXX to my credit reports. 

I have disputed the account with XXXX XXXX as both AmeriCredit Financial XXXX XXXX XXXX, XXXX XXXX XXXX and dealership XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX fraudulently created a second unauthorized retail installment sale contract dated XX/XX/XXXX, and forged a signature purported to be mine that they are using to enforce the alleged auto loan, but I never consented or had knowledge of this fraudulent contract. They created this fraudulent contract for financial gain so they could securitize the contract and receivables and sell it to a XXXX entity so they could sell it on the secondary market/stock exchange while never providing me any monetary consideration. 
I sent them a 12 CFR 1026.13 and 15 USC Section 1666 notice of billing error dispute for the entire account, my account was in good standing and paid through XX/XX/XXXX, but when I learned that both parties were using the fraudulent and forged unauthorized contract dated XX/XX/XXXX to enforce the alleged auto loan they never funded, I started to withhold payments as of XX/XX/XXXX provided by the law and because we are in active litigation in the XXXX XXXX XXXX Washington Case No. XXXX and appeal with the XXXX XXXX XXXX XXXX XXXX XXXX where all evidence and documents are filed with both courts. you can view and download all case files from XXXX XXXX XXXX reported false derogatory information about the account being late as of XX/XX/XXXX, causing irreparable harm to my constitutional rights, liberty interests, reputation and financial stability, creditworthiness and have been harassing me and I am afraid for my life. I have reported them to the police, FBI, Federal Trade Commission, XXXX, and other agencies, but XXXX XXXX and XXXX do not want to abide by the law. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Genesis Credit Management- the company who is currently reporting to all three of my credit bureaus right now. Every month, I am getting a balance increased by {$71.00} to the debts that I dont even own. Ive been trying to rebuild my credit and since these random and unknown charges popped up on my credit, its been putting me at an edge. 

Ive disputed these charges stating that the person who they think it is is not me! Ive. I have 4 collections account. All 4 of these collections are coming from the same credit reporting agency ( debt collector ).

Please, I just want these people to stop harassing me and calling me and to just remove their false accusations and claims against me. I was on the right path to perfect credit but now I feel like Ive just hit a wall. 

It would be greatly appreciated if you guys could get down to the bottom of this and let me know how everything worked out. 


Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: LEXISNEXIS
State: OH

Complaint narrative:
They are reporting false derogatory information on my credit report. Running me from starting any credit at all from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XX/XX/XXXX {$250.00} Personal Information Previous Address : 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: CO

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-11-29 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Account name XXXX XXXX XXXX  Account number XXXX Recent balance {$410.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX  Account number XXXX Recent balance {$260.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$420.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$980.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$14000.00} Date opened XX/XX/XXXX Account name XXXX XXXX Account number XXXX .... 
Recent balance {$800.00} Date opened XX/XX/XXXX Account name XXXX XXXX Account number XXXX .... 
Recent balance {$290.00} Date opened XX/XX/XXXX Account name XXXX XXXX  XXXX Account number XXXX .... 
Recent balance {$1400.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$300.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$300.00} Date opened XX/XX/XXXX Account name XXXX Account number XXXX .... 
Recent balance {$1400.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Recent balance {$570.00} Date opened XX/XX/XXXX Account name XXXX & XXXX XXXX Account number XXXX Recent balance {$310.00} Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX, XXXX, XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
I requested that the reporting company - XXXX XXXX XXXX delete their posts of accounts that I don't have with them. 

The company has been unresponsive to this request and so I have sent written request that the company provide validation of the accounts they are reporting to the consumer credit agencies. 

I've written to mcm requesting they remove these accounts that they continue to report to the consumer agencies. 

I did not give permission to this company to access my personal information for their gain or mine. I have not opened accounts with mcm or provided them with the information that would allow them to open accounts on my behalf. 

I have also let the consumer reporting agencies know that they have accepted inaccurate information and their refusal to remove these accounts puts them in violation of the Fair Credit Reporting Act along side mcm. 

I request that you investigate these mcm entries immediately and remove them from my credit report, as it is both inaccurate and unauthorized. 

Please remove the entries as requested and provide me with written confirmation when this request has been completed. 

Thank you.

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 2024-11-29 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I discovered several inaccuracies and outdated information on my credit report. These include : Incorrect personal information, such as my name, address, and phone numbers. 
Hard inquiries I did not authorize. 
Accounts that have been on my report beyond the seven-year reporting period allowed under the Fair Credit Reporting Act ( FCRA ). 
I have attempted to correct this information, but it remains unresolved. Additionally, some of these accounts and inquiries are not mine, and I did not authorize them. 

XXXX XXXX XXXX and other entities have reported debts without providing proper validation or proof, such as a signed agreement, bill of sale, or accurate accounting of balances. This has negatively impacted my credit profile.

Company response to consumer: Closed with non-monetary relief