vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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:
" 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, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 non-monetary relief
Consumer complaint received 2024-06-11 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: Aldous & Associates, PLLC
State: WA

Complaint narrative:
YOU STATED IN MY LAST DISPUTE I SUBMITTED ON HERE ; that you sent proof of the debt to my mailing address, I am writing this to formally dispute the debt claimed against me by your company under the Uniform Commercial Code ( XXXX ) as a holder in due course. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you! I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, Misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Im unaware of this debt, I did not receive proper notification if in fact you believe you gave me proper notification then please send me/provide the certified mail with a receipt with my name on it, my signature stating that I received it, if you can not provide that you need to delete this off my consumer report!.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: AR

Complaint narrative:
I've viewed a copy of my credit report and noticed today that they're multiple inaccurate and authorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and 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 2024-06-10 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:
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, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: United PanAm Financial Corp.
State: NV

Complaint narrative:
Fraudulent charged on account for car loan with United Auto Credit for XX/XX/2021 in the amount of {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
Subject : Continued Reporting of Inaccurate Information by Credit Bureaus To Whom It May Concern, I am writing to file a formal complaint against the three major credit bureaus regarding their continued inaccurate reporting of my XXXX XXXX XXXX account, despite multiple disputes and requests for corrections. 

Account Name : XXXX XXXX XXXXXXXX Background : I have repeatedly disputed the inaccuracies in my XXXX XXXX  XXXX account information under the Fair Credit Reporting Act ( FCRA ). Despite my efforts, the credit bureaus have failed to rectify the inaccuracies and continue to report conflicting and incorrect information. The persistent errors have severely impacted my creditworthiness. 

Inaccuracies in Reporting : Incorrect status Incorrect reporting Incorrect balance Violations and Relevant Laws under FCRA and FDCPA : 15 U.S. Code 1681e ( b ) : Accuracy of Report Credit bureaus must follow reasonable procedures to assure maximum possible accuracy of the information. The ongoing inaccuracies indicate a clear violation of this requirement.

15 U.S. Code 1681i : Procedure in Case of Disputed Accuracy The credit bureaus are required to investigate disputes promptly. Their failure to correct the inaccuracies after multiple disputes is a direct violation of this statute.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion or Correction If an item is found to be inaccurate or can not be verified, it must be deleted or corrected. The credit bureaus have neither corrected nor deleted the inaccurate information. 
15 U.S.C. 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies Furnishers , such as XXXX XXXX XXXX , must conduct an investigation when they receive a notice of dispute and must notify all credit reporting agencies to which they provided the information if inaccuracies are found. 
15 U.S.C. 1681s-2 ( b ) ( 1 ) : Responsibilities of Furnishers XXXX XXXX XXXXXXXX , as the furnisher, is required to investigate disputes and correct any inaccuracies. Their failure to do so has resulted in continued reporting of incorrect information.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusions The term " consumer report '' does not include certain types of information, such as transactions or experiences between the consumer and the person making the report. The continued inaccuracies in reporting my account status and balance violate this provision. 
Specific Violations and Harms : The credit bureaus failure to ensure accurate reporting and to correct inaccuracies upon dispute has harmed my creditworthiness. 
XXXX XXXX XXXXXXXX inaccurate balance reporting, potentially related to a charged-off debt and possible issuance of a Form 1099-C, constitutes a violation of accurate reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: MD

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/year> I called XXXX and Transunion they told me XXXX XXXX the furnisher told them they didnt send those inquiries out. Transunion nor XXXX deleted the inquiries

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 2024-06-10 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX and Experian have been reporting information on my credit file that is not authorized. I have sent each of these companies opt-out notices to prevent sharing of my information. The following companies are not authorized to share my information with affiliates or non-affiliates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the Privacy Notice provided by each of these companies, Federal law gives me the right to limit only 1 - sharing for affiliates ' everyday business purposes-information about your creditworthiness 2 - affiliates from using your information to market to you 3 - sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. 

XXXX and Experian are not only in violation of Federal Law, but are not affiliates of any of these companies. In accordance with their Privacy Notices, Affiliates are companies related by common ownership or control. Sharing my information about credit-worthiness is not authorized, and this fact is supported by the Privacy Notices they have provided, and my mailed requests to opt-out of such reporting. 

I have submitted multiple complaints via the companies as well as the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: OR

Complaint narrative:
I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on 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 2024-06-11 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I sent in a dispute letter via online and certified mail on XX/XX/2024 stating To Whom It May Concern : I am writing in regard to the above-referenced accounts and transactions. 
Credit Consultants Association 336 CREDIT ACCEPTANCE CORP - ( reported balance {$13000.00} ) REPOSSESSED and sold to an auction for {$9000.00}. Im requesting that it be removed from my report, the information and balance reported is inaccurate. This vehicle was repossessed by XXXX XXXX in the State of <LOUISIANA> and resold. Under the laws of the State of <LOUISIANA> UCC <Your stats UCC code, you will need to look this up> and State XXXX  and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void and any continued collection activities, or continued reporting of this invalid claim on my credit reports, will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available state and federal statutes and UCC 9 remedies.

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 2024-06-10 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: MI

Complaint narrative:
XX/XX/2024 XXXX XXXX XXXX Last 4 of : XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ) In accondance with the Fair Credt Reporting act. The Lat of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 
Account name : [ XXXXXXXX XXXX XXXX # XXXX ] has violated my richts. 
I looked at my [ Equifax ] credit report on [ XX/XX/2024 ] and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I checked my credit report and have unauthorized inquiries reporting on my report.. 

Please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: IL

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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 respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association 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 2024-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NC

Complaint narrative:
Identified an incorrect balance being reported on my credit report. My loan is consolidated and they are reporting two. They are also reporting double the balance that is owed. I have submitted a request through the credit bureaus and it is still in pending status waiting on Mohela. 

Submitted on XX/XX/year>. Complaint was supposed to be reviewed and resolved by XX/XX/year>. Still no response and it is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: Chime Financial Inc
State: PA

Complaint narrative:
The information is still reporting to transunion and not fixed. Chime said they updated the report in XXXX. But it is still reporting a balance of XXXX and open. And it should be XXXX and closed. I have filed 4 disputes in a row. And XXXX told me each time. You guys response was " the account verified as accurate ''. You guys are reporting misinformation. Chime told me that they can't update the account " credit report '' because it is closed. Well XXXX thinks its open and carrying a balance. Will you guys please fix my account the closed with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: MD

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.

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 2024-06-10 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: MD

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.

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