vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: GA

Complaint narrative:
Transunion has violated 15 USC 1681, the FCRA, on multiple occasions. They use stall tactics to delay the dispute process and allow items to remain within my consumer report without my consent. They also actively violated 18 USC 1028A as a non-affiliated party to any account reported within my consumer report. According to Daughtery v. Convergent Outsourcing Inc., 836 F.3d 507 ( XXXX XXXX XXXX ), a consumer report is considered a medium of communication and is thus subject to cease and desist requirements. According to the IRS an unpaid charge-off ( XXXX XXXXXXXX account ) is income and according to the FCRA income can not be reported on a credit report.

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 2024-12-15 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/year>, I attempted to make an {$86.00} payment at XXXX XXXX XXXX using my Citi card. The transaction was declined, and I was asked to contact XXXX customer service team. 

During the call, Citi requested an additional phone number to verify my identity because they just dont use my number on file, which I found to be ridiculous. Then, I was asked to call back from my workplace to complete the verification process. This requirement makes no sense, as I am currently on vacation in XXXX and not at my workplace. Then, they said will send me a paper letter with a verification code, but couldnt provide a ETA for the letter to arrive. 

The inability to resolve the issue on the spot caused significant inconvenience and disrupted my travel plans. I believe this reflects poorly on Citis verification practices, and it highlights a need for more customer-friendly procedures. 

I am submitting this complaint to ensure that issues like this are addressed and resolved appropriately. Customers should not be subjected to such inconvenient processes, especially when traveling or in similar circumstances.

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 2024-12-15 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: GA

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 non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CARVANT FINANCIAL LLC
State: FL

Complaint narrative:
this account is a charge off and subsequently claimed as a loss on your taxes. that debt indicate the they filed a 1099-c form with now they have written off which means the debt has been canceled and is no longer legally enforeable. 

Despite this, they continued to report this account on my credit file, which constitues inaccurate and misleading reporting violation of the Fair Credit Reporting act ( FCRA ). Furthermore, I made a down payment toward this account before it was charged off. Since the Debt was canceled and reported as a loss, I request a full refund of my down payment. 

I also demand the following actions to resolve this matter : 1. remove this account from all credit reporting agencies immediately.

2. cease all collection efforts related to this account 3. issue a full refund of my down payment as the debt was discharged and is no longer valid if this issue isn't resolved within 30 days I will proceed with legal action under section 1681n of the FCRA for willing noncompliance, seeking damages up to {$1000.00} plus court costs and attorney fees. 

To avoid further escalation, please provide Written confirmation that this account has been removed from my credit file, that collection efforts have ceased and that my refund has been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: TN

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute a charge-off listed on my credit report that I believe is inaccurate and does not accurately reflect my current financial standing. Under U.S. Code 1681a, the Fair Credit Reporting Act ( FCRA ) ensures that all information on my credit report is both accurate and complete. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this charge-off and, based on the information provided below, take appropriate action to have it removed. 

The charge-off in question is listed under the account for XXXX, XXXX and Transunion. The charge-off is reported as XX/XX/year>, and it negatively impacts my credit score and my ability to access credit at favorable terms. 

Reason for Dispute : I believe this charge-off was incorrectly reported due to The credit reporting agency did not furnish an account and payment history for XX/XX/year> on my credit report. As a result, I am requesting the removal or correction of this entry, as it no longer accurately reflects the state of my financial obligations. 


I kindly ask that you investigate this matter under the guidelines of the Fair Credit Reporting Act. I am confident that upon review, it will be clear that the charge-off was reported in error, and I request that it be corrected or removed from my credit report. 

Thank you for your attention to this matter. I look forward to your timely response and resolution.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute a charge-off listed on my credit report that I believe is inaccurate and does not accurately reflect my current financial standing. Under U.S. Code 1681a, the Fair Credit Reporting Act ( FCRA ) ensures that all information on my credit report is both accurate and complete. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this charge-off and, based on the information provided below, take appropriate action to have it removed. 

The charge-off in question is listed under the account for XXXX, Experian and XXXX. The charge-off is reported as XX/XX/year>, and it negatively impacts my credit score and my ability to access credit at favorable terms. 

Reason for Dispute : I believe this charge-off was incorrectly reported due to The credit reporting agency did not furnish an account and payment history for XX/XX/year> on my credit report. As a result, I am requesting the removal or correction of this entry, as it no longer accurately reflects the state of my financial obligations. 


I kindly ask that you investigate this matter under the guidelines of the Fair Credit Reporting Act. I am confident that upon review, it will be clear that the charge-off was reported in error, and I request that it be corrected or removed from my credit report. 

Thank you for your attention to this matter. I look forward to your timely response and resolution.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
In accordance with the fair credit reporting act Credit Acceptance Corporation # XXXX, has violated my right. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B under the billing error category : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

( 4 ) the creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore. 
I humbly request that the subsequent entries be promptly undated on my consumer report to reflect their current status as follow : " Paid as Agreed ''

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 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Andreu, Palma & Andreu, PL
State: GA

Complaint narrative:
I received a later dated XX/XX/year> from Andreu , Palma , Lavin & Solis , PLLC address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX claiming I had an account with XXXX XXXX XXXX XXXX XXXX XXXX Account now owned by XXXX XXXX XXXX XXXX, XXXX. I have never heard of any of these businesses and never had any such account. These people need to stop trying to commit fraud by making false accusations and coming up with bogus information to try and get money out of people. They have a phone number XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I am writing to report an issue with Ally Auto regarding a payment I made in XXXX. Despite my bank confirming that the payment was successfully processed, Ally Auto has refused to acknowledge it or conduct a proper investigation. They claim my account is past due and insist they can not locate the payment, even though I have provided evidence from my bank. This has caused significant stress and potential damage to my credit. I am requesting your assistance in resolving this matter and ensuring Ally Auto addresses this payment discrepancy appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: NY

Complaint narrative:
I have recently look at my credit report and notice a couple of accounts thats not mine. I have came to the conclusion that XXXX and Transunion and XXXX Have been reporting this information please Remove and block from my consumer report ASAP ACCOUNTS ( COLLECTIONS : XXXX XXXX XXXX ) Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please do whats fair and equitable to me as a consumer Please i ask if you can block and remove with in 3 business days

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have recently look at my credit report and notice a couple of accounts thats not mine. I have came to the conclusion that XXXX and XXXX and Experian Have been reporting this information please Remove and block from my consumer report ASAP ACCOUNTS ( COLLECTIONS : XXXX XXXX XXXX ) Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please do whats fair and equitable to me as a consumer Please i ask if you can block and remove with in 3 business days

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA Section 605C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX, XXXX & Experian URGENT MATTER ( XX/XX/XXXXXXXX  ) Subject : Urgent Matter - Consumer Submission under FCRA Section 605C Dear Sir/Madam, I am writing to formally challenge fraudulent items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Social Security number is XXXX. I am also a victim of human trafficking, which has further complicated my financial situation and led to the fraudulent accounts listed below. 
I dispute the following accounts as fraudulent and request their immediate removal from my credit report : Unauthorized Fraudulent 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts violate my federally protected consumer rights under 15 U.S.C. 1681, including the right to privacy and the right to dispute inaccurate information. If these accounts can not be verified, they must be removed immediately as per FCRA Section 609 & 611.

Please address this matter urgently. Failure to respond satisfactorily within 30 days may result in legal action. 
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 explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/XXXX  To whom this may concern : I am writing to update/correct my personal information on my credit file I dont wish to have any telephone number on my report. 

Under consumer law, credit bureaus reporting old or outdated addresses may violate provisions of the Fair Credit Reporting Act ( FCRA ). The relevant sections are : 1. FCRA Section 1681e ( b ) : Accuracy of Information Credit bureaus are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Reporting an old or incorrect address could violate this provision if it misrepresents your current address and affects your credit profile. 

2. FCRA Section 1681i ( a ) : Dispute Process You have the right to dispute inaccurate or outdated information, including old addresses, with the credit bureau. Once you file a dispute, the bureau must investigate and correct or delete inaccurate information, typically within 30 days.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
There is a bankruptcy listed on my credit reports. This information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: TN

Complaint narrative:
XXXX year and XXXX  months ago XXXX XXXX XXXX XXXX reported that I missed a payment on my credit card due to autopay not pulling the payment for the bill. After speaking with XXXX XXXX XXXX  we came up with a solution which is I would pay the late payment and they would reverse the late payment as a goodwill adjustment. I paid the bill and they kept their word and removed the inaccurate late payment from the credit reports of XXXX and XXXX but XXXX never removed the late payment from my credit report. So as of now my esperian credit report is reporting an inaccurate late payment which is stoping me from buying a home and other things.

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 2024-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
So when I check XXXX XXXX I see that there are 2 apartment collections on my report XXXX and XXXX XXXX, which is reporting to XXXX XXXXXXXX and Im not able to rent an apartment or a rental so Equifax has the wrong information on my report and the information doesnt match the reports from the other 2 agencies. My credit score is higher on one XXXX XXXX or so and EquifaxXXXX XXXX is XXXX or XXXX, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: NC

Complaint narrative:
I received a copy of my credit report to find the following item I dont recognize. I have explained the discrepancies of the Account number XXXX ( XXXX XXXX XXXX XXXX ). to my records the account you are reporting on this account is unrecognizable. I would like that this be remove from my credit report immediately.

Company response to consumer: Closed with explanation