vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Superior Holdings, LLC
State: IN

Complaint narrative:
Paid off XXXX XXXX amount in XXXX. Tried calling and talking to local XXXX branch who forwarded us to Finance company who said they'd get it taken care off. After several attempts to check up on it through the past XXXX years they still have not responded or provided any documentation, nor has the lien been removed or title provided.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: TX

Complaint narrative:
I was victim of identity theft, and inaccurate personal information belonging to someone else are surfacing on my credit report such as XXXX inquiries and closed account I never authorized and do not recognized

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 2024-07-05 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: TX

Complaint narrative:
I was victim of identity theft, and inaccurate personal information belonging to someone else are surfacing on my credit report such as XXXX inquiries and closed account I never authorized and do not recognized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello please see documents for my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: SC

Complaint narrative:
Dear XXXX, XXXX, and TransUnion, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX {$0.00} xxxxxxxxxxxxx XXXX This account is too old to report XXXX opened XX/XX/XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} xxxxxxxx XXXX XXXX decree states that this is no longer my account. Also, this account is too old to report XXXX opened XX/XX/XXXX. Please remove this inaccurate information from my credit report. 

XXXX XXXX {$3200.00} xxxxxxxxxx XXXX This account is also too old to report XXXX opened XX/XX/XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX {$15000.00} xxxxxxxxxxxxx XXXX This account is too old to report XXXX opened XXXX XXXX, XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I insist 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 ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 

Sincerely, 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 2024-07-05 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: SC

Complaint narrative:
Dear XXXX, Experian, and XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX This account is too old to report XXXX opened XX/XX/XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX  XXXX XXXX decree states that this is no longer my account. Also, this account is too old to report XXXX opened XX/XX/XXXX. Please remove this inaccurate information from my credit report. 

XXXX XXXX {$3200.00} XXXX XXXX XXXXhis account is also too old to report XXXX opened XX/XX/XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX This account is too old to report XXXX opened XXXX XXXX, XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I insist 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 ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 

Sincerely, 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 2024-07-05 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:
This is my several request regarding the credit inquiries that were unauthorized and needs to be removed from my credit report. I received an updated copy of my credit report and became aware of these inquiries that I did not authorize. They are as follows : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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:
I requested again the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to remove credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: CA

Complaint narrative:
I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was supposed to get a payout from multiple settlements for my data breeched and identity was exposed. I was not noticed by XXXX and XXXX XXXX XXXX XXXX  etc that my information was exposed. XXXX had to find out through 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 2024-07-05 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: TX

Complaint narrative:
I am writing to urgently request your assistance in removing fraudulent items from my credit report. Despite XXXX previous attempts to rectify these issues directly with the credit bureaus and creditors, the fraudulent items remain uncorrected and continue to damage my creditworthiness. The continued presence of these fraudulent items on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute and correct inaccurate information. I am requesting for your intervention to ensure these fraudulent items are removed immediately. The persistent inaccuracies are causing significant harm to my financial standing, and I am prepared to take legal action if necessary. Please help conduct a thorough investigation into this matter and facilitate the immediate removal of the fraudulent items from my credit report. I request written confirmation once the corrections have been made.Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$6200.00} XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX : {$2100.00} XXXX XXXXXXXX Balance : {$6200.00}.

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 2024-07-05 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: NY

Complaint narrative:
PLEASE SEE ATTACHED DISPUTE DOCUMENTATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: TX

Complaint narrative:
In accordance with the fair credit reporting act the list of companies have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 SEC 602 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681 SEC 605 ( A ) 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. 

15 USC 1681 ( C ) ( A ) 5 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

( b ) Exempted cases The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with- ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. 

XX/XX/XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$680.00} XX/XX/XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX {$980.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$11000.00} XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) {$560.00} XX/XX/XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXXXXXX XXXX ) {$320.00} XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) {$5200.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$680.00} XX/XX/XXXX XXXX XXXX XXXX {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: NV

Complaint narrative:
Got a notification that I was late on this account XXXX XXXX XXXX . I have never paid this account or open this account. This is fraud. I immediately report identity theft

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 2024-07-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to urgently request your assistance in removing fraudulent items from my credit report. Despite XXXX previous attempts to rectify these issues directly with the credit bureaus and creditors, the fraudulent items remain uncorrected and continue to damage my creditworthiness. The continued presence of these fraudulent items on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute and correct inaccurate information. I am requesting for your intervention to ensure these fraudulent items are removed immediately. The persistent inaccuracies are causing significant harm to my financial standing, and I am prepared to take legal action if necessary. Please help conduct a thorough investigation into this matter and facilitate the immediate removal of the fraudulent items from my credit report. I request written confirmation once the corrections have been made.Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX XXXX : {$2100.00} XXXX XXXXXXXX Balance : {$6200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello please see documents for my dispute

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello please see documents for my dispute

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 2024-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX credit card was paid over {$5000.00} in XXXX months to reduce the balance after months of difficulty logging in in XXXX, XXXX and XXXX. Addionally phone calls during XXXX and XXXX were not helpful in getting through. No statements are being mailed and access by phone was spotty depending on phone time if they would pick up after choosing the correct buttons. 

The executive office knew we gave the correct account number for a payment in XXXX of 2024 after we requested she review it. It was not processed because the rep made and error. 

The Citi executive rep was sneaky and wrote back that we provided an acct number and the rep repeated the wrong number and we agreed. If we were driving and could not review the rep repeating their own error that is not our error. We simply did not hear or know to correct their error. 

I have attached the XXXX XXXX for the account number and routing number provided showing no return occurred. That a balance exceed the payment made to Citi NA  We gave the correct account number as it is not known by memory and had to be read initially. 

As a result they did not credit that months payment and created lates XXXX sequential months. 

The executive office should be more honest and forthcoming on their errors effecting consumers. Not dishonest and deceptive by not addressing their own rep making the initial error in 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 non-monetary relief
Consumer complaint received 2024-07-05 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: CA

Complaint narrative:
I am revoking all rights and I am opting out immediately as a federally protected consumer. 

I am requesting the removal of all personal information. I have non mailable addresses on my credit report that needs to be removed immediately. 

Current address ; XXXX XXXX XXXX XXXX, CA 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 2024-07-05 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: CA

Complaint narrative:
I have diligently followed all the necessary procedures in disputing this account. I've contacted the bank, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite repeatedly submitting my claim to Experian for years now, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. It appears Experian is failing to fulfill its legal obligation to process the identity theft report even though the bank already removed the account from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. 

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 2024-07-05 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:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation