vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from 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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i already sent all my information around 2 months ago, driver licence, ssn bill, i called them around 2 times i sent by the system my documentation. and nothing i can get my report, i try to buy a house and the bank can get my credit report. please i need help

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 2024-09-20 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: FL

Complaint narrative:
I am writing to notify you that I have been a victim of identity theft, which has led to several fraudulent entries on my credit report. These unauthorized accounts and inquiries were added without my knowledge or consent, and I am requesting immediate action to address them. 

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 INQUIRIES- XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX I have already submitted an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent items to ensure the accuracy of 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 2024-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Southern Auto Finance Co
State: GA

Complaint narrative:
ACCOUNT # : XXXX ***THIS ACCOUNT WAS ESTABLISHED WITH SAFCO THEN SENT TO XXXX XXXX WHO HANDLES THEIR BANKRUPTCY-COMPLAINTS HAVE BEEN EQUALLY MADE BETWEEN THE TWO COMPANIES**** I was told by Safco & XXXX XXXX XXXX that I needed to bring my account current to receive a two-month deferment. I paid the amount they stated to bring current in XXXX Then received a unprofessional, rude call from XXXX XXXX XXXX XXXX stating yeah, we got the payment but your past due. I then contacted Safco manager XXXX XXXX, and he stated to me. " Well, this is what we came up with. I have strong armed repeatedly on this acct, I have requested audits, I have sent in proof of payments with bank statements and NOT received credit-told I was however payments continue to increase not decrease, Now, this-we all understand how deferments work and yet they just keep taking my monies not honoring laws, GAAP or their own arrangements. I need help getting this account audited and payments posted correctly-the accounting records, payment history is insane-SAFCO sends ledger and payment history to XXXX XXXX  ( they handle SAFCO BANKRUTCY CASES-yet their records do not match-payments may show on and not the other and vice versa-upon years of trying to get resolve - I just receive rude responses, going over the payments BUT know updates or answers to the unposted payments, the request for acct. to be audited, answer to mismatched ledgers and etc. Now, the most absurd thing-this deferment-I had to pay CURRENT to receive the two-month deferment-I paid it in XXXX & in XXXX-they contact me and state I am 2 months behind and reflect this in the payment history-HELP ME! I have attached the liaison between Safco to Peritus-manager XXXX XXXX email correspondence about the deferment, yet they are harassing me, threatening rep and stating account is still delinquent. 
ACCOUNT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: MS

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-09-20 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: MS

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-09-20 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: NJ

Complaint narrative:
THIS VEHICLE IS IN THE DATA BASE AS BEING STOLEN AND HAS BEEN NO RESPONS AND ITS BEN OVER SIX MONTHS WITHOUT ANY FORM OF PROPER INVESTIGATON ON THE VEHICHLE WICH SHOULD NOT BE ON MY CREDIT TEPORT AS A CHARGED OFF ACCOUNT IT IS IMPOSSIBLE TO START ANY FORM OF PAYMENT UNDER THE FCRA TO PAY ON A STOLEN CAR BILL THIS HAS TO BE RECTIFIED WHY THIS HAS NOT BEN HANDLE BY CAPITOL ONES SOLUTOIN TEAM THIS IS BECOME A PROBLEM WICH CFPD SHOULD NOT LET THIS COMPANY GET AWAY WITH FRAUD DO TO A HAVE TO SUFFER DEARLLY AND YOU MUST PERTECT ME THATS IN THE DEFINITION OF THIS BUROUGH Account info Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$14.00}, XXXX written off. {$18.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$18000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$17000.00} Highest balance - Terms 75 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days XXXX Charge off XXXX No data for this period Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 90 days past due as of XXXX XXXX  60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX, XXXX XXXX This account is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THIS VEHICLE IS IN THE DATA BASE AS BEING STOLEN AND HAS BEEN NO RESPONS AND ITS BEN OVER SIX MONTHS WITHOUT ANY FORM OF PROPER INVESTIGATON ON THE VEHICHLE WICH SHOULD NOT BE ON MY CREDIT TEPORT AS A CHARGED OFF ACCOUNT IT IS IMPOSSIBLE TO START ANY FORM OF PAYMENT UNDER THE FCRA TO PAY ON A STOLEN CAR BILL THIS HAS TO BE RECTIFIED WHY THIS HAS NOT BEN HANDLE BY XXXX XXXX XXXX XXXX  THIS IS BECOME A PROBLEM WICH XXXX SHOULD NOT LET THIS COMPANY GET AWAY WITH FRAUD DO TO A HAVE TO SUFFER DEARLLY AND YOU MUST PERTECT ME THATS IN THE DEFINITION OF THIS BUROUGH Account info Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$14.00}, XXXX written off. {$18.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$18000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$17000.00} Highest balance - Terms 75 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days XXXX  Charge off XXXX No data for this period Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX  90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX  30 days past due as of XX/XX/XXXX, XXXX XXXX This account is scheduled to continue on record until XX/XX/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 2024-09-20 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: WI

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I called the company on 2 different occasions and they verified that the debt has been paid. They told me that the record has a {$0.00} balance. I told them that the there is a balance on my credit reports and that it is against the law to report paid items on a person 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: NV

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXXERVICES XXXX, XXXX XXXX CARD SERVICE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I had found out after losing my car to repo, for the 4th time ; I needed to see my Westlake financial payment statements since the day the car was financed to me. 
I now see after financing me the vehicle they had a due date that same month only 10 days ; to pay my first months auto loan. 
I was under the impression that I wouldn't have to pay until the following month. Especially after just put XXXX $ down towards the remaining balance financed to me. 
Later find out that it just adds to the cost, I'll be paying in interest. Misrepresented terms by 1 number. My paper copy ; auto finance contract doesn't match Westlake financial copy of the terms sent from the car dealer ship. 
Bill due dates don't match up.

5 years and still no title just 4 repos. 
XXXX $ in interest they got from me and my XXXX $ down payment to defer total balance due ; just to find out too late, that they been negligent from the start. I felt livid and used. 
Paid for GAP as well to protect my investment! 
Also I was swindled into signing the arbitration class then later stated that's in case, so neither party goes to court so pretty much covers there XXXX for there fraudulent heinous act. 
Best part is after 4th repo now, I drove to car lot were I financed the vehicle, to only find out ; closed for Business. 
I'm ashamed and embarrassed and hungry to know what went wrong and how to stop ; a bait and switch dealer of there, on spot delivery and there selfishness for there companies commission in top sales, regardless of how it will hurt there credit and family, all for there personal gain! 
Please help me with a little piece of mind. 
Thank you respectfully for taking time out of your day to bringing this issue a front, to hopefully learn and to not let this happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: IN

Complaint narrative:
I am filing a formal complaint regarding the inaccurate reporting of late payments on my credit report by XXXX XXXX. I have attempted to resolve this dispute directly with the credit reporting agencies but have not received a satisfactory resolution. The incorrect reporting is as follows : Account Information : Creditor : XXXX XXXX Account Number : XXXX Date ( s ) of Reported Late Payment : XX/XX/XXXX, XX/XX/XXXX Balance : {$690.00} Past Due Amount : {$110.00} Legal Background : As referenced in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), credit reporting agencies are obligated to conduct a thorough investigation of disputed information. The court ruled that relying solely on automated systems to verify disputed information is not sufficient under the Fair Credit Reporting Act ( FCRA ). My right to accurate and fair reporting has been compromised due to the mishandling of my account information. 

Action Requested : I request that the CFPB initiate an investigation into this matter and compel both the credit reporting agencies and XXXX XXXXXXXX to provide : Internal Records and Documentation : Documentation proving that these late payments were accurately reported.

Investigation into Reporting Practices : Confirmation that Metro 2 standards were adhered to when reporting this account, and that the reporting agencies conducted a thorough investigation into my dispute as required by law. 
The continued reporting of inaccurate late payments has negatively impacted my financial well-being. If the credit reporting agencies and XXXX XXXX can not verify the accuracy of the information, I request the immediate removal of these inaccurate late payment entries from my credit report. 

I look forward to the CFPBs assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing a formal complaint regarding the inaccurate reporting of late payments on my credit report by XXXX XXXX. I have attempted to resolve this dispute directly with the credit reporting agencies but have not received a satisfactory resolution. The incorrect reporting is as follows : Account Information : Creditor : XXXX XXXX  Account Number : XXXX Date ( s ) of Reported Late Payment : XX/XX/XXXX, XX/XX/XXXX Balance : {$690.00} Past Due Amount : {$110.00} Legal Background : As referenced in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), credit reporting agencies are obligated to conduct a thorough investigation of disputed information. The court ruled that relying solely on automated systems to verify disputed information is not sufficient under the Fair Credit Reporting Act ( FCRA ). My right to accurate and fair reporting has been compromised due to the mishandling of my account information. 

Action Requested : I request that the CFPB initiate an investigation into this matter and compel both the credit reporting agencies and XXXX XXXX to provide : Internal Records and Documentation : Documentation proving that these late payments were accurately reported.

Investigation into Reporting Practices : Confirmation that Metro 2 standards were adhered to when reporting this account, and that the reporting agencies conducted a thorough investigation into my dispute as required by law.

The continued reporting of inaccurate late payments has negatively impacted my financial well-being. If the credit reporting agencies and XXXX XXXX can not verify the accuracy of the information, I request the immediate removal of these inaccurate late payment entries from my credit report. 

I look forward to the CFPBs assistance in resolving 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 2024-09-20 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
First I need to state my right to privacy is paramount. XXXX enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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 non-monetary relief