vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: SC

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-08 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: Westlake Services, LLC
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXXXXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. Those account is huying my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. 
Those are the items I am asking you to verify as accurate. 
XXXX XXXX Account number # XXXX XXXX XXXX XXXXXXXX Account number # XXXX XXXX. Account number # 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 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I do not have a contract with RESURGENT/LVNV FUNDING, Account ending # XXXX and do not owe this debt collector the stated {$1800.00} as reflected on my credit file. The original creditor, XXXX XXXX XXXX has charged off this Account ending in # XXXX as of the following date : XXXX XXXX. This debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness and it is possible that a 1099-C will be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my concerns regarding several issues I have encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
Incorrect credit payments and late fee on account when no funds is past due and account is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Incorrect credit payments and late fee on account when no funds is past due and account is paid in full

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 2025-01-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: NATIONAL DEBT RELIEF LLC
State: OK

Complaint narrative:
I hired national debt relief so creditors would not take me to court although I wanted to make it right as to pay the money I owed. national debt relief overcharged me with unexpected interest charges that was not explained up front. 
I paid all the extra charges just to get this out of my life. IT probably would have been better if I made payments to the banks. also my credit report still has not been completely removed of all creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal ame : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please REMOVE this information at the earliest possible time. I am ling an FTC report and PLEASE NOTE THAT I DO NOT AUTHORIZE YOU TO PUT A FRAUD ALERT ON MY CREDIT REPORT WITHOUT MY CONSENT. 
Please investigate these matters and remove the disputed items as soon as possible : XXXX - XXXX - This account is a result of Identity Theft. Please remove this account from my report. - Please investigate and remove it from my report immediately XXXX - XXXX - This account is a result of Identity Theft. Please remove this account from my report. - Please investigate and remove it from my report immediately XXXX XXXX XXXX  XXXX - This account is a result of IDENTITY THEFT. I do not authorize this account. - I do not recognize this at all - please remove this inaccuracy as I do not believe it even belongs to me XXXX - XXXX - This account is a result of Identity Theft. Please remove this account from my report. - I do not recognize this at all - please remove this inaccuracy as I do not believe it even belongs to me XXXX XXXX - XXXX - This account is a result of Identity Theft. I disputed this account multiple times. But you are still reporting this account inaccurately. You are clearly in violation and you should remove this account immediately. Otherwise I will seek legal compensation money from you. - This is not mine - please remove this inaccuracy from my report! 

XXXX XXXX XXXX - XXXX - I have no late payments made on this account. I PAID this account as agreed. - This is not mine - please remove this inaccuracy from my report. 

XXXX - XXXX - This account is a result of Identity Theft. I disputed this account multiple times. But you are still reporting this account inaccurately. You are clearly in violation and you should remove this account immediately. Otherwise I will seek legal compensation money from you. - This is not mine - please remove this inaccuracy from my report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I am resubmitting this complaint against TRANSUNION due to nature that a dispute regarding XXXX  XXXX # XXXX was resubmitted back onto my credit report with no proper investigation. I received documentation from XXXX  XXXX stating that the referenced account ending in XXXX ( see letter from XXXX XXXX case # XXXX picture attached ) Furthermore, I have submitted documentation to " XXXX XXXX '' SHOWING THAT I WAS INCARCERATED WHEN THE FRAUD INITIATED!! ( SEE XXXX CASE # XXXX DOCUMENTATION ATTACHED ). " XXXX '' has violated several FCRA VIOLATIONS!!! Examples of FCRA violations related to reinserted items on credit reports include situations where credit reporting agencies : 1. Reinsert a previously deleted item without conducting a reasonable investigation into the accuracy of the information. 2. Fail to notify the consumer in writing about the reinsertion of a deleted item on their credit report within 5 business days, as required by the FCRA. 3. Reinsert inaccurate or unverifiable information without providing proof or documentation to support the accuracy of the reinserted item. 4. Reinsert a deleted item without informing the consumer of their right to dispute the reinserted information and have it reinvestigated. 5. Ignore a consumer 's dispute regarding a reinserted item and fail to conduct a proper reinvestigation as mandated by the FCRA. 6. Repeatedly reinsert the same item on a consumer 's credit report after it has been successfully deleted following a dispute, without new evidence or verification. Reinsertion on a credit report is when a credit bureau adds back information that was previously removed, often after a dispute. The Fair Credit Reporting Act ( FCRA ) prohibits credit bureaus from reinserting disputed information unless certain conditions are met : The data furnisher ( the bank, credit card company, or debt collector ) certifies that the information is accurate. " TRANSUNION '' has not submitted any documentation showing an investigation was conducted. I have submitted documentation showing proof that I was incarcerated when this happened. I am submitting this complaint to the CFPB with documentation showing that fraud was committed against me.

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 2025-01-08 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: MI

Complaint narrative:
I am a victim of identity theft, which resulted in unauthorized accounts and inquiries being added to my Experian credit report. Specifically, a fraudulent XXXXXXXX XXXX  account and inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX remain on my report despite my numerous disputes with Experian over the past several months. 
Each time I disputed the fraudulent XXXXXXXX XXXX  account, Experian claimed they contacted XXXXXXXX XXXX  and verified the accounts accuracy. However, upon contacting XXXXXXXX XXXX directly, they confirmed that no such verification requests were made. This demonstrates Experians failure to conduct a proper investigation, as required by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ). 
On XXXX XXXX XXXX  I submitted another formal dispute to Experian with all required documentation, including an FTC Identity Theft Report, my ID, and proof of address. Yet, given Experians prior mishandling of my disputes, I am filing this complaint with the CFPB to ensure compliance with federal law. 
Additionally, Experian is currently under scrutiny due to the CFPBs recent lawsuit regarding its failure to handle consumer disputes properly. This only further highlights the need for immediate corrective action in my case.

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 2025-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: VA

Complaint narrative:
re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states " In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' The company IC SYSTEM reaged the account to XX/XX/year> this inaccurate this has negatively impacted my credit score. According to my records the original delinquency is XXXX and I have not received any notification regarding a change to this date. I request that this be reviewed as this a clear violation of my rights under FCRA.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENNYMAC LOAN SERVICES, LLC.
State: DE

Complaint narrative:
Company violating my credit report pravicy.

LAW FCRA Section 605B According to the Fair Credit Reporting Act ( FCRA ) Section 605B it is illegal to report information on my credit report without my permission.

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX violated my rights under 15 USC 1681 Section 602 states i have the right to privacy.

15 USC Section 604A Section 2. It also states a consumer Reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

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 2025-01-08 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: TX

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 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Unresolved Credit Report Inaccuracy Dear Consumer Financial Protection Bureau , I am writing to formally request your assistance in resolving an ongoing issue regarding inaccuracies on my credit report. Despite my efforts to resolve this matter directly with the credit reporting agency and the data furnisher, the inaccuracies remain uncorrected, which has caused significant harm to my credit profile.

The details of my complaint are as follows : Credit Reporting Agency Involved : Transunions and XXXX Account

( s ) or Information in Dispute : Date open, Date last reported, Date last active, Date of last payment. I initially contacted Transunions and XXXX to dispute the inaccuracies and provided supporting documentation, including the inaccuracies of their report and ask them fix the errors. Despite my efforts, I received from them that everything is accurate and verified.

I am enclosing the following documents to support my claim : 1. A copy of the credit report showing the inaccuracies This unresolved inaccuracies has cause me a lot of stress and mental straining on my well being. I believe the actions of the credit reporting agency are in violation of the Fair Credit Reporting Act ( FCRA ), which requires them to investigate and correct inaccuracies promptly.

I respectfully request that the CFPB investigate this matter and ensure that the inaccuracies on my credit report are corrected. Your assistance in protecting my consumer rights is greatly appreciated.

Please feel free to contact me XXXX if additional information is required.

Thank you for your time and attention to this matter.

Sincerely, 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 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX I was notified through my Barclay 's app that there were potentially fraudulent charges on my AAdvantage Aviator Red World Elite Mastercard account. When I called the fraud department, they consistently addressed me by the wrong pronouns, I'm use to it I smoked for years and sound manly. Initially they made it seem like the problem could be fixed quickly over the phone, but after several times of having to tell them that I am the primary account holder and that I am female, they then told me I would have to either fax or mail them a copy of my Driver 's license, social security card, and a utility bill. I feel that I was discriminated against because of my assumed gender not matching what they thought it should be.

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 2025-01-08 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
We bought out our lease on XX/XX/year>. 

Kia processed the title transfer on XX/XX/year>. 

We received the title in the mail on XX/XX/year>. On the document it states we should be receiving a sales tax check to pay sales tax when we transfer the title. We have been contacting Kia daily with no progress on getting this check sent out. Each time we call we dont get an answer on when the check will be coming.

This is delaying the transfer of the title unless we double pay for sales tax which Kia will not assist with.

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 2025-01-08 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: 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 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 2025-01-08 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:
I am a victim of a data breach and fraud has occurred involving my personal information. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B 15 U.S.C. 1681c-2, I formally request a fraud block to be placed on my credit report Accounts listed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires 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 explanation