vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Conventional real estate mortgage with account # XXXX opened on XX/XX/year> and a balance of {$290000.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

There should be no negative in my history for 3 years. I have all bank statements to show monthly payments

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Conventional real estate mortgage with account # XXXX opened on XX/XX/2015 and a balance of {$290000.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

There should be no negative in my history for 3 years. I have all bank statements to show monthly payments

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
This loan is my ex husbands for his vehicle. I was the co signer at the time when we were married. Since he was making late payments in the past years I since XX/XX/year>2024 started making payments for a vehicle that is not in my possession due to his irresponsibilities affecting my credit score. I spoke to a customer service representative in XX/XX/year>2024 and she advised I have until the XXXX of the following month to pay before it is considered late. Since then i have not made a late payment this year and requesting investigation for XX/XX/year>2024 and requesting removal of this inaccuracy during the investigation period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: OH

Complaint narrative:
XX/XX/XXXX None of these accounts are listed on any of my addresses and is totally fraudulent and illegal. These must be removed asap! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX must be removed IMMEDIATELY IT IS PAST THE STATUE! 
XXXX  XXXX bankruptcy : Bankruptcy XX/XX/XXXX XXXX XXXX Balance {$600.00} Date Opened XX/XX/XXXX Capital XXXX Balance {$2100.00} Date Opened XX/XX/XXXX XXXX XXXX  Balance {$4300.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/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 2024-12-28 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: OH

Complaint narrative:
XX/XX/XXXX None of these accounts are listed on any of my addresses and is totally fraudulent and illegal. These must be removed asap! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX must be removed IMMEDIATELY IT IS PAST THE STATUE! 
XXXX  XXXX bankruptcy : Bankruptcy XX/XX/XXXX XXXX XXXX Balance {$600.00} Date Opened XX/XX/XXXX XXXX  XXXX Balance {$2100.00} Date Opened XX/XX/XXXX XXXX XXXX  Balance {$4300.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/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 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
My Individual rights were compromised without full knowledge of the disclosures, terms and conditions pursuant to applicable laws, TILA and the UCC. The actions caused me duress and impacted my public confidence AND credit. I have rights and powers to transfer rights and obligations to the leasee for lessor to secure all payments and obligations on the consumer account. I'm already secured due to common ownership in the security agreement for settlement and satisfaction of the alleged debt thats backed by credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I appealed a dispute of a charge from Saks Fifth Ave on XX/XX/year> in the amount of {$1100.00}. The dispute was initially denied based on the merchant 's claim that the product was delivered ; however, I did not receive the package. 
Although the merchant provided a confirmation of delivery, I want to emphasize the following points : 1. No Signature on Delivery : The package was reportedly delivered without any required signature. I did not sign for the package, nor did anyone in my household. Also, a picture was provided that the package was left on the porch but could have easily been taking back with the delivery driver or stolen prior to me getting home to retrieve it.

2. Thorough Check of Property : I have thoroughly checked my property, including areas where the package could have been left, and found no sign of it. I have also inquired with my neighbors, and none of them have received the package on my behalf or retrieved it for me.

3. Adherence to Protocol : I followed all necessary steps to file a claim with the merchant. Despite providing them with this information, my claim was denied solely on the basis of their delivery confirmation.

Given these circumstances, I believe that I should not be held responsible for a charge for goods that I have not received. I requested that my dispute be reopened and credit the amount of {$1100.00} back to my account. The credit company send a response on XX/XX/year> Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. yet on XX/XX/year> I received an alert stating I have an account 30 days late and my score has dropped XXXX points. I called the credit card company and the representative stated they sent a letter on XX/XX/year> saying the dispute was denied again because the merchant verified the purchase was received. This is very disheartening. Where is the protection here? Things happen and Im standing on I never received my package so I will not pay for something I never received. 

Keep in mind the charge was XX/XX/year>, Ive contacted the merchant 6 times since then, the previous credit card company ( capitol one ) 7 times before it was sold to XXXXXXXX XXXX and then contacted the new bank 6 times. Still they did nothing in my favor and put a delinquent mark on my credit which is XXXX might I add. I am livid to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> I received a credit card chargeback from bank of america for a transaction from a customer that was definitely an altered receipt. The case got closed for non action but we never received the dispute before. We want to dispute the chargeback especially since it as fraudulent.

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 2024-12-28 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: NJ

Complaint narrative:
Per the FCRA as a federally protected consumer. I am now opted out of any and all authorization. I the consumer may have given you written unwritten verbal or non-Verbal, per 15 USC 6802. Effective immediately and indefenitly.

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to formally file a complaint against several credit reporting agencies that are violating federal laws concerning consumer privacy and credit reporting. 

1. **Violation of 15 USC 6802** : These agencies are unlawfully reporting transaction history. Section 6802 of the Gramm-Leach-Bliley Act mandates that financial institutions must provide notice to consumers and an opportunity to opt-out before disclosing non-public personal information. The unauthorized reporting of transaction history by these credit reporting agencies constitutes a clear violation of this statute.

2. **Violation of 15 USC 6805** : The credit reporting agencies are failing to comply with the enforcement provisions outlined in Section 6805 of the Gramm-Leach-Bliley Act. This section requires agencies to enforce the provisions of the Act to ensure consumer information is protected. The continuous reporting of transaction history without proper consent further exacerbates this non-compliance. 

3. **Violation of 16 CFR 313** : The credit reporting agencies are also in violation of 16 CFR 313, which governs the privacy of consumer financial information. Specifically, this regulation requires financial institutions to provide privacy notices to customers and prohibits the disclosure of nonpublic personal information to nonaffiliated third parties without proper consent. 

4. **Privacy Act of 1974** : Additionally, under the Privacy Act of 1974, the act of charging off a debt should be considered as issuing a certificate of indebtedness, which is classified as income. This reporting must be removed from the credit reports as it inaccurately portrays the consumer 's financial standing and violates their rights under the Privacy Act. 

Reporting the Following accounts : 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 2024-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
This has been a back and forth debate amongst myself. Speedy Cash. And XXXX XXXX  i have tried repeatedly to resolve this issue since the money was supposedly given to me on XX/XX/year> and yet I never received it because there's identity theft on my bank account and a lot of transactions were moved around and I still have yet to get that resolved so never got the money I'm also XXXX and it's been very difficult for me to get up there to speak to someone in person

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX Subject : Dispute of Unauthorized Account Due to Identity Theft DearXXXX I am writing to formally dispute an unauthorized account/transaction that appears on my [ credit report/account ]. I believe this account/charge is the result of identity theft. 



The unauthorized account/transaction is as follows : Creditor/Company Name : CARMAX This account/transaction is not mine, and I did not authorize its opening/processing. I request that you immediately : 1. Investigate this matter under the Fair Credit Reporting Act ( FCRA ).

2. Remove the fraudulent account/transaction from my credit report/account.

3. Provide written confirmation of the results of your investigation.

To support my claim, I have included the following documents : A copy of my government-issued ID ( e.g., drivers license ).

A copy of my utility bill or other proof of address.

A copy of the police report or Identity Theft Affidavit filed with the FTC.

A copy of my credit report highlighting the disputed account ( if applicable ).

Please investigate this matter promptly and notify me of your findings. You may contact me at [ XXXX ] or [ XXXX, XXXX ] if you require additional information. 



Thank you for your attention to this urgent matter. 



Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: OH

Complaint narrative:
XX/XX/XXXX None of these accounts are listed on any of my addresses and is totally fraudulent and illegal. These must be removed asap! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX must be removed IMMEDIATELY IT IS PAST THE STATUE! 
XXXX  XXXX bankruptcy : Bankruptcy XX/XX/XXXX XXXX XXXX Balance {$600.00} Date Opened XX/XX/XXXX XXXX  XXXX Balance {$2100.00} Date Opened XX/XX/XXXX XXXX XXXX  Balance {$4300.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/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