vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX continues to report my balance x2 despite and Transunion refuses to do anything about it. As of XX/XX/year>, they claimed to have resolved my dispute, but upon checking my credit report on XX/XX/year>XXXX  the extra account is still there! 

If Transunion were to contact XXXX regarding my *correct* balance, this issue would have been long resolved -- but it is clear at this point that this is too much work for Transunion. I will continue to file complaints to the CFPB until this is removed as it is causing me financial harm. Anyone else experiencing similar issues should continue to file these complaints against XXXX and Transunion. I am considering contacting a lawyer regarding a class-action suit as there are thousands of other XXXX account holders experiencing this same thing.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

Account Name : XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : 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 non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The following accounts on my report are inaccurate. 

XXXX XXXX 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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 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 2024-12-07 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: NC

Complaint narrative:
Subject : Dispute of Fraudulent Accounts and Hard Inquiry on Credit Report Dear [ XXXX ], I am writing to formally dispute inaccurate information and fraudulent accounts that are being reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ) and applicable laws, I request an immediate investigation and removal of the following items : Equifax Disputes : 1. Hard Inquiry from XXXX XXXX  : I did not authorize this inquiry, nor do I have any accounts or interactions with XXXX XXXX. Please remove this unauthorized inquiry promptly. 2. XXXX XXXX XXXX XXXX : This account is fraudulent and does not belong to me. Kindly investigate and remove it from my credit report. XXXX  Disputes : XXXX. XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX These accounts are also fraudulent and inaccurately reported. I request an immediate investigation and removal of these accounts. This inaccurate and fraudulent reporting is significantly impacting my ability to obtain essential financial opportunities and is causing unnecessary harm to my credit standing. In accordance with FCRA 611 ( 15 U.S. Code 1681i ), I request that you : Investigate these items thoroughly. Remove any unverifiable, inaccurate, or fraudulent information. Provide me with an updated copy of my credit report after corrections are made. I have attached a copy of my government-issued ID, proof of address, and a copy of my credit report with the disputed items highlighted for your convenience. Please confirm receipt of this dispute and provide updates on the investigation and resolution in writing. You may contact me at the information listed above if further documentation is needed. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX/ XXXX Account Name : XXXX & XXXX XXXX XXXX All Accounts Have Violated My Rights.

15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: PA

Complaint narrative:
A. ) XXXX : XXXX. ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Phone number : ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX. ) XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX Inquiry date : XXXX XXXX, XXXX B. ) XXXX : XXXX. ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX XXXX number : By mail only Inquiry date : XXXX XXXX, XXXX XXXX. ) XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Phone number : By mail only Inquiry date : XX/XX/XXXX XXXX. ) XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OR XXXX Phone number : ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX ) TransUnion : XXXX. ) XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX, VA XXXX Phone number : ( XXXX ) XXXX Inquiry date : XXXX XXXX, XXXX XXXX. ) XXXX XXXX Address : XXXX PA XXXX XXXX XXXX, XXXX XXXX, OH XXXX Phone number : ( XXXX ) XXXX Inquiry date : XX/XX/XXXX ( The above named below I did authorize. I just do not understand why it showing up twice as a hard inquiry. I did receive financing from XXXX XXXX XXXX. I am in the belief it should be considered as a single inquiry instead of 2. ) 3. ) XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX Phone number : ( XXXX ) XXXX Inquiry dates : XX/XX/XXXXXXXX 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 2024-12-07 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against Equifax regarding the handling of a fraud alert on my credit report. This situation has caused me significant frustration and has negatively impacted my ability to secure a mortgage for a home. 

Despite numerous calls to Equifaxs customer service number, I have been unable to resolve this issue. I have been repeatedly instructed to send documentation to have the fraud alert removed, which I have done. I provided a copy of my ID and a W-2 as requested. Despite this, I continue to be informed by Equifax representatives that : There is no fraud alert on my report, even though my lender has confirmed its existence. 
The fraud alert remains, which prevents my lender from accessing my credit report. 
I have been given conflicting information, and the lack of resolution has been beyond frustrating. To make matters worse, the Equifax phone line frequently disconnects or directs me to representatives who offer no actionable assistance, leaving me feeling as though I am being given the runaround. 

This issue has reached a critical point. I am in the process of purchasing a home, and the unresolved fraud alert is jeopardizing my ability to proceed. I am at my wits end trying to navigate Equifaxs unhelpful system. 

I request your assistance in addressing the following : Immediate removal of the fraud alert from my credit report. 
A thorough investigation into Equifaxs handling of my case and their failure to resolve this issue despite my compliance with their instructions. 
Improved customer service processes to prevent similar issues from happening to others in the future. 
Please let me know if any additional documentation is required to expedite the resolution of this matter. I appreciate your prompt attention to this issue and look forward to your assistance in achieving a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MD

Complaint narrative:
MOHELA continues to report my balance x2 despite and XXXX refuses to do anything about it. As of XX/XX/year>, they claimed to have resolved my dispute, but upon checking my credit report on XX/XX/year> the extra account is still there! 

If XXXX were to contact MOHELA regarding my *correct* balance, this issue would have been long resolved -- but it is clear at this point that this is too much work for XXXX. I will continue to file complaints to the CFPB until this is removed as it is causing me financial harm. Anyone else experiencing similar issues should continue to file these complaints against MOHELA and XXXX. I am considering contacting a lawyer regarding a class-action suit as there are thousands of other MOHELA account holders experiencing this same thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XX/XX/XXXX CAF XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you provide legal validation of such debt, and the requirements are as follows. : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXX. Agreement that bears the signature of the alleged debtor wherein I agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX, XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. I look forward to a speedy resolution of this matter. 
Yours Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I changed banks and forgot to change the autopay to new bank. I attempted to stop the current autopay but the payment system kept drafting the payment from the old account for 7 days after cancellation. Then would say that no payment is owed even thought there were no funds to make the payment and despite the cancellation and addition of new bank account. Then today I received a call that my account was in collections and a late fee had been assessed despite the system showing {$0.00} balance for the past week and not allowing me to make a one time payment. I escalate with Citi and they tell me this is my problem and that I should have called my bank to cancel the payment and switched before I changed banks. There was no way for me to make this payment until they called me on a collections despite multiple efforts on my part to make this payment.

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 monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Ca XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear Sir/Madam, Re : Request for Account Information I am writing in reference to the above-mentioned account, which is reported on my credit report as a profit and loss write off, I would like to clarify that I am not disputing the accuracy of the account at this time. However, I am requesting the following information to better understand the timeline of the account : 1. The date of the first delinquency for this account.

2. The date the last payment was made on this account.

3. The date of the charge-off of this account. 

Please provide this information at your earliest convenience. You may send the details to the address listed above or contact me via phone or email if further clarification is required. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

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 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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm writing to whom it may concern to dispute inaccurate information on my credit profile and have them removed and deleted immediately. The inaccurate Credit items I need deleted will be listed below. I've been a victim of identity theft and didn't open any of these accounts or make these inquires on my credit profile. I reported the theft to the Federal Trade Commission and have documents to support my claim. I demand these items be deleted immediately from my credit profile as it is causing damage to my life my happiness and my creditworthiness. 
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

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm writing to whom it may concern to dispute inaccurate information on my credit profile and have them removed and deleted immediately. The inaccurate Credit items I need deleted will be listed below. I've been a victim of identity theft and didn't open any of these accounts or make these inquires on my credit profile. I reported the theft to the Federal Trade Commission and have documents to support my claim. I demand these items be deleted immediately from my credit profile as it is causing damage to my life my happiness and my creditworthiness. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
To whom it may concern, Recently, I contacted your firm with a formal consumer complaint challenging reported claim ( s ) under the FCRA 611 ( a ) ( 7 ). Included as well in addition of that check for compliant reporting, I sent a formal written validation demand to the Creditor for the Inquiry that you are reporting. I received back a denial of process and an assertion that the records of the inquiry ( ies ) reported were in fact UNAVAILABLE, or so they claimed! No matter if you or a third party has collected this information, you must have an adequate record to legally substantiate the claim ( s ), if not it ( they ) is/are UNVERIFIEABLE, invalid, or not factually certified compliantly reported ( even to the mandatory XXXX XXXX  format standards ) or ANY OTHER DEFICIENCY OF FACTUAL REPORTING and or process of reporting then said allegations are unfit and therefore CAN NOT be LEGALLY reported. Tort law is quite clear in this matter! You have NO MORE THAN 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. Account : LVNV Funding LLC

Company response to consumer: Closed with explanation