vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TransUnion failed to respond to your dispute within XXXX days 15 USC 1681i ( 7 ) You believe this violates specific provisions of the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i ( a ) ( 1 ) 15 USC 1681i ( 5 ) 15 USC 1681i ( 6 ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Trans Union for their failure to comply with the Fair Credit Reporting Act ( FCRA ). Specifically, Trans Union has violated the provisions of 15 USC 1681i ( a ) ( 1 ), 15 USC 1681i ( 5 ), and 15 USC 1681i ( 6 ) by failing to respond to my dispute within the required XXXX - days Transunion you received my letter XX/XX/year> and never responded to my notice. 
Trans Union 's failure to respond to my dispute within 15 days is a clear violation of the FCRA. Specifically : 15 USC 1681i ( a ) ( 1 ) : This provision requires consumer reporting agencies ( CRAs ) to investigate and respond to disputes within 15 days. Trans Union 's inaction directly contravenes this requirement.

15 USC 1681i ( 5 ) : This provision mandates that CRAs follow reasonable procedures to assure maximum possible accuracy of information. By failing to investigate my dispute, Trans Union has not adhered to these reasonable procedures. 
15 USC 1681i ( 6 ) : This provision outlines the specific information that must be included in a CRA 's response to a dispute. Trans Union 's failure to respond at all constitutes a violation of this provision. 
Supporting Case Law [ : XXXX XXXX Trans Union, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : ] These cases establish that CRAs have a legal obligation to promptly investigate and respond to consumer disputes. Trans Union 's actions in this matter directly contradict the established legal precedent. 
Requested Relief I request that the CFPB investigate Trans Union 's actions and take appropriate enforcement action. I also request that Trans Union be required to : Investigate and respond to my dispute in accordance with the FCRA.

Correct any errors on my credit report.

Provide me with written notification of the results of their investigation.

Conclusion Trans Union 's failure to comply with the FCRA has caused me significant harm and distress. I respectfully request that the CFPB take swift action to address this matter and hold Trans Union accountable for its actions. 
Sincerely, XXXX 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 2024-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
For the last XXXX years or so I have to practically beg them to lower my payment rate. I have attempted to do the right thing and pay on the loans. The balanced owed goes nowhere but me paying at least brings them current. 

I cant afford a payment more than {$1000.00} a month and I am forced to pay way more than that each month. I have XXXX children to feed and the cost of living is absurd in my area. 

Back in XXXX or XXXX, I was met with suggestions such as moving to another city, selling platelets, or becoming a female dancer to make a better income. Of course no record of these conversations. 

Most recently, I received an email about someones loan that wasnt mine! And then a follow up email to destroy the information immediately. How many others have had their information mistakenly sent out? 

You cant trust this company. Also, my loans are being sold within a few weeks to another servicer so it seems like navient will get a slap on the wrist again and no real consequences of their dirty practices, lying, and cheating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax placed some kind of internal block on my credit report/profile and I have requested several time for Equifax to remove any/all internal blocks, credit freezes from my credit profile./report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: NC

Complaint narrative:
XXXX XXXX  XXXX XX/XX/year>2023 XXXX XXXX XXXX XXXX/XXXXXXXX2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: NC

Complaint narrative:
XXXX  XXXX  XXXX  XX/XX/year>2023 XXXX XXXX  XXXX  XXXX/XXXX/2023

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 2024-08-08 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: TX

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 2024-08-08 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: NJ

Complaint narrative:
I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

EXPERIAN XXXX XXXX XXXX Account Number : XXXX {$190000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX {$37000.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$300.00} XXXX XXXX XXXX Account Number : XXXX {$1900.00} XX/XX/XXXX XXXX Account Number : XXXX {$680.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$37000.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$300.00} XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX {$680.00} XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Account Number : XXXX {$2100.00} XXXX XXXX XXXX Date of inquiry : XX/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
Consumer complaint received 2024-08-08 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: EQUIFAX, INC.
State: TX

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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXXXXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 2024-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  XXXX  XXXX XXXX/XXXX/2023 XXXX  XXXX  XXXX  XXXX/XXXX/2023

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 2024-08-08 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: CA

Complaint narrative:
I have recently filed multiple investigation request letters with the credit bureaus, but unfortunately, they failed to provide me with the requested information. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). Should further evidence be needed, I am able to provide copies of the aforementioned documents upon request. Additionally, I have included a photocopy of my identification and recent utility bill within the investigation request letters as supporting documentation.

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 2024-08-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have recently filed multiple investigation request letters with the credit bureaus, but unfortunately, they failed to provide me with the requested information. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). Should further evidence be needed, I am able to provide copies of the aforementioned documents upon request. Additionally, I have included a photocopy of my identification and recent utility bill within the investigation request letters as supporting documentation.

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 2024-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian credit bureau refused make charge to increase scores 2 months. My account shows there accounts ( not attached ) so my exaperian account not received credit scores.. Nor changed I reported have bee complaints regarding my credit scores remaining same if any change notice very little. On accounts been paid off payed on ftime .l Have been XXXX with family members unable for me my husband credit not correct

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 2024-08-08 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/year> and XX/XX/year> i had several hard inquiries on my credit report that was not authorized by me and i would like them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Dear Sir/Madam, I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : Lexisnexis is reporting incorrect information under my public file I have never filed bankruptcy the public information does not match my full name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: VA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my Credit report and I noticed some late payments on my credit report : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Your company is is clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, The LAW clearly states : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this to my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include _ ( A ) Subject to section 1681s_3 of this title, any _i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15
USC 1681. 



Thank you, 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 2024-08-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: NY

Complaint narrative:
after checking my credit report I noticed an innacuracy in my XXXX account- it is reporting with a late payment for XXXX. while my account was closed, it was never paid late or not paid at all. I have sent requests for this account to be updated as current and they, and the credit bureaus have failed to update the account. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. Validate/inaccurate reported late payments Account : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2100.00} please have this updated immediately by all XXXX bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to voluntary surrender the vehicle XXXX XXXX XXXX XXXX # XXXX. Upon arriving at the dealer, I was told by XXXX XXXX XXXX XXXX that here we can not help you, it has to be done though Toyota Finance. That same day, I called Toyota Finance at XXXX and customer service representative XXXX provided orientation regarding the voluntary surrender process, and I agreed with the process. Then, he informed me that by Thursday, XX/XX/XXXX I should receive a call from Toyota Finance regarding the approval of voluntary surrender. However, that phone call was never received. On XX/XX/XXXX, I called Toyota Finance during the afternoon hours to have an update on the approval and completed further questions regarding why I wanted to voluntarily surrender the vehicle. 

During this phone call, I felt humiliated regarding the questions, putting in doubt the reason for the voluntary surrender. Since the first day, I disclosed the reason for the voluntary surrender was due to financial hardship and could not continue with the car monthly payments. During the conversation, the customer service agent stated that Toyota Financial has approved a recovery agent, and I have to wait for the recovery agent to contact me. On XXXX XXXXXX/XX/XXXX, I called back to Toyota Financial to verify information and the customer service representative XXXX XXXX XXXX XXXX informed me that the vehicle already has been assigned to a recovery agent and filed for a local towing company, and I have to wait for availability of a towing company on the area, which may take a couple of business days and by XXXX XXXX XXXXXX/XX/XXXX I should have a call from the recovery agent. 

On XX/XX/XXXX, during the afternoon hours, I called again to Toyota Financial to have an update regarding this matter and the customer service representative transferred the phone call to the recovery department and this representative stated, that up to this day they don't have any new information regarding when a towing company will come to my address to pick up the vehicle. It is important to mention that all customer service representatives requested that the vehicle must be insured up to the car being auctioned. This situation is causing me XXXX and shortness of sleep due to mixed/vague responses from the bank. Up to this day I have not received any phone call/email from Toyota Finance/Recovery Agent or any towing company regarding this matter. Currently, the XXXX keys/vehicle is parked at the address provided to Toyota Financial waiting to be picked up as soon as possible.

Company response to consumer: Closed with explanation