vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-07-30 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: OH

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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 submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to 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 2024-07-30 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 submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to 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 explanation
Consumer complaint received 2024-07-30 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: MI

Complaint narrative:
XXXX and Equifax were provided with the same documents XXXX received in the mail. Documents showed XXXX XXXX XXXX as not my account and had incorrect information that had been merged with my name. XXXX immediately deleted the account while XXXX and Equifax refused to do so. They stated account met FCRA GUIDELINES but if they had ran a legal and accurate dispute they would have found the account information is all wrong and should have been removed during the first 19 disputes sent. XXXX has been the only company to comply with this dispute and run it accurately while XXXX and Equifax have falsified dispute details instead of running the dispute as requested. They also never responded with the representative who ran the dispute as they are liable for their intentional negligence. XXXX XXXX is it my account and should be removed immediately. This has been a Reoccurring issue as their company has refused to run accurate disputes in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against a debt collector for their failure to validate a debt they are attempting to collect and for reporting inaccurate information to the credit bureaus. 

I received a collection notice regarding a debt claimed to be owed. Upon receiving this notice, I immediately disputed the debt, as I did not recognize it and had no contract or agreement with the collector. I requested validation of the debt, which included : A detailed breakdown of the amount owed, including principal, interest, and any fees or charges. 

The name and contact information of the original creditor. 

The original purchase agreement or contract related to the debt. 

Proof that the collector had the legal right to collect the debt. 

Despite my request, the collector failed to provide the necessary documentation. They continued to report this disputed and unvalidated debt to the credit bureaus, negatively impacting my credit score. This action violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until the debt is validated.

Additionally, the collector did not provide their state license number or details regarding their licensing, raising concerns about their compliance with state and federal regulations. 

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that the collector immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law. 

Thank you for your assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-07-30 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: MO

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 

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 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: PA

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to 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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX XXXX, XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has consistently inaccurately reported my XXXX XXXX  loans. The reporting of my XXXX XXXX  loans are in violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ). Despite providing documentation from XXXX to substantiate my claims and requesting updates, Equifax has consistently reported incorrect balances and payment histories for XXXX, XXXX, and XXXX. 

The balances reported by Equifax for my XXXX XXXX  loans are incorrect. 
The payment histories reported by Equifax show late payments which are not accurate. My accounts have never been late. 

I have attempted to resolve this issue directly with Equifax, but my efforts have been unsuccessful. Therefore, I am seeking the CFPBs assistance in ensuring that my credit reports are accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-07-30 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against GM Financial Dear XXXX, I am writing to file a formal complaint against GM Financial regarding the release of my car title. My name is XXXX XXXX, and I am the person on the title for a XXXX XXXX XXXX with the Vehicle Identification Number ( VIN ) XXXX. 

I paid off the loan for my car on XX/XX/XXXX. As per the state law, GM Financial is required to mail the car title to me within XXXX  days of loan payoff. It has now been nearly XXXX months, and I still have not received my car title. This delay is unacceptable and in clear violation of the law. 

Additionally, the car has been totaled, and the at-fault insurance company is refusing to pay me out until they receive the title. As a result, my family and I are stuck without a car, and the insurance company has ceased paying for a rental car. This situation is causing significant hardship and inconvenience. 

The relevant legal code in California that addresses the timeframe for releasing a vehicle title after loan payoff is California Vehicle Code 5753 ( c ) ( 1 ). According to this statute : " Within XXXX business days after receiving payment in full for the satisfaction of a security interest and a written instrument signed by the grantor of the security interest designating the transferee and authorizing release of the legal owners interest, the legal owner shall release its security interest and mail, transmit, or deliver the vehicles certificate of ownership to the transferee who, due to satisfaction of the security interest, is lawfully entitled to the transfer of legal ownership. '' Additionally, if the legal owner fails to comply, they are liable to pay {$25.00} per day up to a maximum of {$2500.00}. If they do not pay within XXXX  days following a written demand, the amount can be trebled to a maximum of {$7500.00}, plus costs and reasonable attorney 's fees. 

I request that the Consumer Financial Protection Bureau intervene and ensure that GM Financial promptly releases my car title as required by law. The address for the department handling these issues at GM Financial is : GM Financial Attn : Customer Service Department XXXX XXXX XXXX XXXX, TX XXXX GM Financial 's CA Finance Lender License # XXXX For reference, GM Financial 's legal registered name with the CFPB is AmeriCredit Financial Services , Inc. dba GM Financial. 

Thank you for your attention to this matter. I hope for a swift resolution to this issue to mitigate the ongoing inconvenience and hardship. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had XXXX credit cards with capital one One with a limit of {$400.00} and the other with a limit of {$2500.00}. 
I just paid for a {$400.00} with a settlement plan and now when I go back to try to pay for the next one I'm faced with a debt of over XXXX XXXX dollars! 
Not to mention that they keep calling my phone and now they're not even giving me a payment option!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: PA

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: HW Holding, Inc
State: NJ

Complaint narrative:
Today I was alerted by a credit reporting service that Hunter Warfield has reported me as owing a debt that i do not owe and and an address that I dont live at. I went to correct the address and it says XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never lived there and am a life long XXXX resident. It was reported to XXXX. I then received a negative credit alert on XXXX and learned that they are reporting the following Account name HUNTER WARFIELD Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$20.00}, XXXX past due as of XX/XX/year>. 
Status updated XXXX XXXX  Balance {$20000.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$20000.00} I dont owe such a debt and have never heard or done business with these people. It has dropped my credit score by XXXX points and I dont even owe the debt. Can you please assist in having this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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:
My account with those accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief