vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: AR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-25 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: PA

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-09-25 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: PA

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-09-25 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: CA

Complaint narrative:
Experian Replied to my initial fraud complaint about the company furnishing information that was fraudulent I then requested the company Experian to produce the steps they took to verify, the said accounts from my original fraud and ftc complaints and I have received a reply XX/XX/year> with a reply being they contacted the original creditors and the accounts disputed have been updated BACK ON XX/XX/XXXX l a Requested that there were Fraudulent negative items appearing on my EXPERIAN CONSUMER credit report in addition to filing a CFPB complaint | ATTACHED an affidavit from the FTC concerning these accounts. 
Instead of honoring the FCRA UNITED STATES CODE FCRA 605B ( 15 U.S. C 1681 c-2 ) Experian Took into their own process of verifying accounts listed under the FTC affidavit and determined these said accounts were Validated and instead of removing these accounts they corrected false information that was previously reported on the EXPERIAN investigation they did not fully investigate all the accounts located on the FTC affidavit only one fraudulently reported account investigated and unlawfully deemed VERIFIED and EXPERIAN returned false information that the other two accounts located on the FTC affidavit were not on my credit report which they are currently reporting these accounts

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I dont know who Im supposed to talk to, but Im tryna buy a house, and yall got this account marked as disputed. Thats messin me up, and I need it gone today. Why yall keep messin with peoples accounts like this? This dont make no sense at all.

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 2024-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
The company sent a copy of the loan agreement. I explained that this car was not purchased by me. I sent an Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my credit profile and saw some inquiries that don't 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 2024-09-25 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: SC

Complaint narrative:
I recently reviewed my credit report and notice I have fraudulent accounts on my report..Please delete these item they are hurting my ability to obtain credit

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 2024-09-25 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: IL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Hi I would like to report a dispute that I have disputed with Affirm for the following amounts : XXXX XXXX XXXX XXXX XXXX I had more charges, but those have been resolved or removed from my credit report. I provided police report from the XXXX Ca police department, disputes for fraud, disputes in experian for not my charges and I continue to see them on my credit. 
When I called affirm they would not provide me with any information because my phone number and address did not match what they had on file. Of course not ..... 
because that is not my information. 
My address is and has been XXXX XXXX XXXX, XXXX, CA XXXX and my phone number is XXXX. I have had both of these for at least 14 years. 
My name is XXXX XXXX XXXX, my social ends with XXXX. 
I have good credit history, good healthy payment history, however these late accounts are impacting my credit score very negatively. 
I would like to file a claim against both Affirm and XXXX as they have not provided me with proof of service or proof of purchase, yet they continue to say this is my bill because I have never ever received any proof of it being mine. 
It is not my purchase or my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX/Auto Nation falsely advertised a vehicle online at $ XXXX, but the paperwork stated $ XXXX including a cash down payment. After reviewing my documents and studying the laws, I was misled into purchasing the car at a higher price than the one advertised. After discovering the discrepancy and falsified purchase agreement through signatures not of my own handwriting and accepting insurance not in agreement/requirement to even purchase the vehicle they just in fact wanted a sale, I attempted to rescind the contract and ask for the down payment of {$1500.00} to be refunded in XX/XX/XXXX due to deceptive practices. However, XXXX XXXX XXXXAuto Nation refused to acknowledge my rescission request. On XX/XX/XXXX, they repossessed my vehicle without notice, violating my rights. Those rights are as follows : XXXX. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601, 12 CFR 1026.19 ( e ) ( 2 ) - Failed to disclose credit terms accurately ( e.g., APR, finance charges ) - Failed to provide clear and conspicuous disclosures- Requested and accepted a down payment 2. Federal Trade Commission ( FTC ) Act - 15 U.S.C. 45 - Engaged in deceptive advertising ( false price ) - Failed to substantiate claims 3. Federal Trade Commission ( FTC ) Guidelines - 16 CFR 254 - Made false or misleading representations in advertising 4. Texas Deceptive Trade Practices-Consumer Protection Act - Tex. Bus. & Com. Code Ann. 17 et seq. - Engaged in false or misleading representations- Failed to disclose material facts 5. UCC 9-609 - Failure to provide pre-repossession notice - Failed to provide written notice of default and opportunity to cure 6. UCC 9-610 - Unauthorized repossession - Repossessed vehicle without borrower 's consent or court order 7. UCC 9-611 - Failure to provide post-repossession notice - Failed to provide written notice of repossession and sale 8. UCC 9-613- Disposition of collateral without notice - Sold or disposed of vehicle without notice to borrower. 9. 12 CFR 1026.17 - Failure to disclose credit terms- Failed to disclose credit terms, including APR and finance charges 10. 12 CFR 1026.18 - Failure to provide rescission notice - Failed to provide notice of right to rescind 11. Federal Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 - Engaged in harassment and false representations- Failed to provide validation of debt 12. Texas Finance Code - Tex. Fin. Code Ann. 392 et seq. - Engaged in unfair or deceptive practices in consumer transactions- Failed to disclose material facts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive asked the bureaus perform a thorough investigation of the disputes with collections agencies and credit companies. The bureaus wont accurately send me information stating how they completed the investigation and the same results was administered to me without being corrected on my 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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive asked the bureaus perform a thorough investigation of the disputes with collections agencies and credit companies. The bureaus wont accurately send me information stating how they completed the investigation and the same results was administered to me without being corrected on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: CT

Complaint narrative:
PLEASE REMOVE FRAUDULENT Accounts and XXXX increase off my credit profile from XXXX XXXX and Trans Union immediately! 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear Transunion Team, I hope this letter finds you well. My name is XXXX XXXX, and I am the Founder & Director of Agape Advocate Consulting, a NGO dedicated to assisting victims of human trafficking, particularly those impacted by debt bondage. Our mission is to provide comprehensive support services, including legal assistance, counseling, and financial education, to help survivors rebuild their lives. 


Under the Debt Bondage Repair Act, we are committed to advocating for the rights of victims and ensuring they receive the resources necessary to escape the cycle of exploitation. We believe that collaboration with organizations like Transunion is crucial in our efforts to restore financial stability and dignity to these individuals. 


Transunion has willfully and negligently continued to deny the block requests of survivors coming from my agency. I have attached a copy of the authorization letter to this correspondence. I, XXXX XXXX, am the authorized representative for the victims and survivors. 


TRANSUNION is declining the request to block information for human trafficking survivors. Agape Advocating Consulting is an accredited NGO authorized by the North Carolina Attorney General. I have attached the Authorization Letter to this complaint. These victims and survivors are being deprived of an equitable resolution under the Debt Bondage Repair Act and Transunion is violating FCRA 605C by delaying the process of blocking information within 4-5 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 2024-09-25 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:
I have identified significant inaccuracies on my credit report, which XXXX, XXXX, and Equifax continue to verify as correct, despite clear evidence to the contrary. The continued reporting of this incorrect information is not only misleading but also a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 609 and Section 611, which require accurate reporting and thorough investigations of disputes. 

I have included proof that demonstrates the inaccuracies, yet the credit bureaus have failed to make the necessary corrections. This negligence in correcting the false information after being provided with clear evidence is unacceptable. I demand that this incorrect information be removed from my credit report immediately to prevent further damage to my credit standing. 

Please take immediate action to rectify this matter and ensure full compliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I signed up for the free trial ( attached ) and canceled ( attached ) the next day ). Several months later I noticed Equifax had been charging my account for XXXX months ( see attached ). 

This cancellation was obviously meant to deceive consumer as I assumed it was canceled but it only canceled another service which I think was free. This is obviously ridiculous and meant to confuse as judge by my experience and numerous others on reddit who had the same experience. 

I tried to resolve with the company and was met with having to call by phone and navigated an endless tree of options, entering in everything but the name of my first pet to meet an operator who said they couldn't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: VA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my 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 2024-09-25 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: VA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my 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 explanation
Consumer complaint received 2024-09-25 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: NY

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

Company response to consumer: Closed with explanation