vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: IL

Complaint narrative:
XXXX XXXX XXXX Other Closed {$0.00} Reported XX/XX/year> XXXX XXXX XXXX XXXX XXXX Other Closed {$0.00} Reported XX/XX/year> Other XXXX  Reported Date XX/XX/year> {$0.00}

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 2024-07-11 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: IL

Complaint narrative:
XXXX XXXX XXXX Other Closed {$0.00} Reported XX/XX/year> XXXX XXXX XXXX XXXX XXXX Other Closed {$0.00} Reported XX/XX/year> Other XXXX Reported Date XX/XX/year> {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: IL

Complaint narrative:
XXXX XXXX XXXX Other Closed {$0.00} Reported XX/XX/year> XXXX XXXX XXXX XXXX XXXX Other Closed {$0.00} Reported XX/XX/year> Other XXXX Reported Date XX/XX/year> {$0.00}

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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:
I am filing a formal complaint against XXXX, TransUnion, and XXXX for their failure to address and remove fraudulent accounts from my credit reports. As a victim of identity theft, I have discovered several accounts on my credit reports that I did not open. Despite my efforts to dispute these accounts directly with the credit bureaus, they remain on my reports, causing significant harm to my credit score and financial standing. 

The fraudulent accounts are as follows : **Closed Account : ** - XXXX  ( XXXX ) **Collections : ** - XXXX XXXX  ( XXXX ) All XXXX - XXXX XXXX XXXX ( XXXX ) XXXX & XXXX - XXXX XXXX XXXX XXXX XXXX ) XXXX & XXXX - XXXX ( XXXX ) TransUnion & XXXX - XXXX XXXX XXXX ( XXXX XXXX TransUnion XXXX XXXX XXXX XXXX ( XXXX ) TransUnion - XXXX XXXX XXXX ( XXXX ) All XXXX - XXXX XXXX ( XXXX ) TransUnion - XXXX ( XXXX ) TransUnion - XXXX XXXX ( XXXX ) TransUnion & XXXX - XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX & XXXX - XXXX XXXX XXXX XXXX ( XXXX ) XXXX & XXXX These credit bureaus are in violation of several federal laws, including : 1. **15 U.S.C. 1692k - Defamation of Character** 2. **Negligent Enhancement of Identity Fraud** 3. **Violation of the Fair Credit Reporting Act** 4. **15 U.S.C. 1681o - Civil Liability for Negligent Non-Compliance** 5. **15 U.S.C. 1681n ( b ) - Civil Liability for Willful Non-Compliance** 6. **15 USC 1692 ( g ) - Failure to Comply with Debt Validation Requirements** 7. **15 U.S.C. 1681b - Permissible Purposes of Consumer Reports** 8. **15 U.S.C. 1681i ( a ) ( 7 ) - Method of Verification** 9. **15 USC 1681a ( 4 ) - Right to Privacy** 10. **15 U.S. Code 1681c - Requirements Relating to Information Contained in Consumer Reports** Additionally, the collection agency involved has not provided the required validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they placed a collection on my consumer report. I have also not been given the opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

I am requesting the CFPB 's intervention to ensure that these credit bureaus comply with federal law by investigating and removing these fraudulent accounts from my credit reports immediately. Given the urgency of this matter and the ongoing damage to my credit, I demand that these accounts be blocked and removed within 4 days of receiving this complaint. 

Please find attached my identity theft 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 2024-07-11 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:
I am filing a formal complaint against XXXX, XXXX, and Equifax for their failure to address and remove fraudulent accounts from my credit reports. As a victim of identity theft, I have discovered several accounts on my credit reports that I did not open. Despite my efforts to dispute these accounts directly with the credit bureaus, they remain on my reports, causing significant harm to my credit score and financial standing. 

The fraudulent accounts are as follows : **Closed Account : ** - XXXX XXXX XXXX ) **Collections : ** - XXXX XXXX  ( XXXX ) All XXXX - XXXX XXXX XXXX  ( XXXX ) XXXX & Equifax - XXXX XXXX XXXX XXXX XXXX ) XXXX & Equifax - XXXX ( XXXX ) XXXX & XXXX - XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX - XXXX XXXX  XXXX  ( XXXX ) All XXXX - XXXX XXXX XXXX  XXXX ) XXXX - XXXX ( XXXX ) XXXX - XXXX XXXX ( XXXX ) XXXX & Equifax - XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX & Equifax - XXXX XXXX XXXX XXXX ( XXXX ) XXXX & Equifax These credit bureaus are in violation of several federal laws, including : 1. **15 U.S.C. 1692k - Defamation of Character** 2. **Negligent Enhancement of Identity Fraud** 3. **Violation of the Fair Credit Reporting Act** 4. **15 U.S.C. 1681o - Civil Liability for Negligent Non-Compliance** XXXX. XXXX U.S.C. 1681n ( b ) - Civil Liability for Willful Non-Compliance** 6. **15 USC 1692 ( g ) - Failure to Comply with Debt Validation Requirements** 7. **15 U.S.C. 1681b - Permissible Purposes of Consumer Reports** 8. **15 U.S.C. 1681i ( a ) ( 7 ) - Method of Verification** 9. **15 USC 1681a ( 4 ) - Right to Privacy** 10. **15 U.S. Code 1681c - Requirements Relating to Information Contained in Consumer Reports** Additionally, the collection agency involved has not provided the required validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they placed a collection on my consumer report. I have also not been given the opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

I am requesting the CFPB 's intervention to ensure that these credit bureaus comply with federal law by investigating and removing these fraudulent accounts from my credit reports immediately. Given the urgency of this matter and the ongoing damage to my credit, I demand that these accounts be blocked and removed within 4 days of receiving this complaint. 

Please find attached my identity theft report.,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: CA

Complaint narrative:
For my previous complains/requests for US DirectExpress , I requested to get all my money back, then, close my account. On XX/XX/2024, I emailed DirectExpress to ask them to close my account. No response. 
We feel that we should request through CFPB. 

Thanks XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: NY

Complaint narrative:
I have reviewed my consumer report and there are several unauthorized inquiries on my credit report that i do not recognize nor have i authorized. Please see inquiries listed below : XXXXXXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION 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 TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 non-monetary relief
Consumer complaint received 2024-07-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have reviewed my consumer report and there are several unauthorized inquiries on my credit report that i do not recognize nor have i authorized. Please see inquiries listed below : XXXXXXXX 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 EQUIFAX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: TD BANK US HOLDING COMPANY
State: AK

Complaint narrative:
In XXXX of XXXX, I discovered that Nordstrom/TD bank USA was reporting on my credit a charged off account with a balance. I disputed the account and sent them not once, not twice but three times, a certified letter requesting validation of the debt. Each time, The letter was signed for by someone at the company but I received no response. 
In XX/XX/year>, I sent another letter certified requesting a 1099-C, Cancellation of debt for the balance that they wrote off. Again, I received no response. For these reasons, I would like this item removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: CA

Complaint narrative:
I am grateful for your assistance in removing some of the erroneous credit report entries from my file. There are still a few remaining items that require your attention. This is my XXXX complaint that I was the victim of faulty credit reporting. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are inaccurate : Experian : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$3600.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$5800.00} ; XXXX XXXX XXXX XXXX Balance {$95.00} ; XXXX XXXXXXXX Balance {$640.00} ; XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX -- -- -- -- -- -- -- -Equifax : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX VIA DEALER XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- XXXX XXXX XXXX -- -- -TransUnion XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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 XXXXXXXX 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 .Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello! I have noticed multiple inaccuracies with addresses that are reporting to my Experian credit report. These addresses do not appear on the other major credit bureaus - XXXX and XXXX. There are family members who share a similar name as mine. Creditors may have entered my name incorrectly when requesting my credit report. 

There should only be one address reported to my consumer file. There are multiple addresses that have been reported to my Experian report that I do not recognize. Experian refuses to remove them.

These negative items do not meet FCRA reporting requirements. Private documents or anything being sent on my behalf to these addresses that Im not living there is in violation of my privacy. By being in violation of my privacy, its a violation of 15 US Code 1681 ( 4 ) and 15 US Code 1681 ( A ) ( 2 ). I do not recognize how and why this is reporting. These need to be deleted immediately. I am demanding deletion from my consumer report or else I am going to pursue litigation.

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 2024-07-11 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: OH

Complaint narrative:
PLEASE DELETE THE FOLLOWING INQUIRIES THIS IS FRAUD. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I trust this correspondence finds you in good health. I am writing to address a critical matter concerning inaccuracies found in my credit report. Upon recent scrutiny, I have discovered instances of incorrectly reported late payments on my account, and I wish to dispute this erroneous information. I kindly request your prompt assistance in rectifying or removing these inaccuracies from my credit report. Maintaining an accurate credit history is paramount, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are the result of an error and require your immediate intervention for rectification. The company associated with this account have confirmed the errors during my telephone conversations with them and have assured me of their commitment to correcting my account. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I had a XXXX XXXX that I purchased and finace for XXXX  month and I went to a dealer XX/XX/XXXX to trade another car and thr value of my car was XXXX and I owe XXXX on my loan but the total XXXX is the total base by the XXXX  month contract becuase when XXXX XXXX. They put the total on XXXX interest on the amount u finace to the total and when I trade in the value was XXXX and the loan was XXXX so I had to rollover the differenc of XXXX but when. I trade in they can't use XXXX that amount for trade becuase that amount base the total of XXXX  month so when I trade in at XXXX  month they are using the XXXX amount of the full XXXX  year term of my old contract whencit suppose to be apr so they are rollover over my old contract future XXXX  year of interest into their new one thay fraud that XXXX adding consumer old car contract future XXXX  year total amount instead of the value by the time of trade in u adding consumer more money to finace and add interest on amount thay don't exist and on the finace paper it show they offset to my old lender XXXX and and using XXXX total XXXX  year term interest included that I have even used when I'm trading the car during the XXXX year so everytime when any consumer trade in and they use the loan amount that frauding when they adding consumer old car full loan term future XXXX  year of interest they haven't use when the finance is base on yearly XXXX XXXX and they added XXXX  year of interest on top on my new loan and make co XXXX XXXX is and pay interest on consumer old car interest amount that never used becuase when XXXX XXXX they discuss the total of consumer XXXX and if they had gap include in the full XXXX  year term and calculation the accuracy of the amount for the trade in they didn't even deduct any amount or the gap option that I brought and gave the final amount of trade in for my XXXX year instead they use the total amount of the loan of XXXX  year they intentionally have consumer trade in the car with a much higher loan balance that shouldn't even exist so I'm a victim of this ally financial using the amount of XXXX loan during the trade in my XXXX year and my new contract they added some fee for the dealer cuz they work together to structure the loan to XXXX the lender and dealer that like robbing XXXX ppl I study the contract and find out they pay my old trade in car XXXX but use XXXX amount for the balance for me to trade using consumer XXXX  year of used amount add to finace and make even more money on interest I'm file legal action for all the issue they have cause me and emotionally damage of financial of higher payment every month I had to go thru I want to go court with them

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 2024-07-11 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: MO

Complaint narrative:
I am writing to seek assistance from you regarding the removal of fraudulent items from my credit report. Despite making this attempts to resolve these issues directly with the credit bureaus and creditors, I have been unsuccessful in removing the following fraudulent items : I have disputed these items multiple times with the credit bureaus ( Experian, XXXX, and XXXX ) and have contacted the respective creditors directly. Despite providing supporting documentation and evidence that these entries are fraudulent, my disputes have not resulted in the correction or removal of these items from my credit report. The continued presence of these fraudulent items on my credit report is causing significant financial harm and affecting my ability to secure credit and improve my financial situation. I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, and I am seeking for your assistance in resolving this matter. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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