vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 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: CA

Complaint narrative:
Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

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 2023-12-05 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: 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.

has violated my rights. Or a list of inquiries : 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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: WI

Complaint narrative:
Incorrect late reporting for a Credit Builder account with Credit Karma for the month of XXXX, I have been back and forth with Credit Karma and the credit bureaus to no avail as they will not offer help in solving it. Credit Karma said they would remove the incorrect reporting beginning of XXXX and then proceeded to report it and now refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: CA

Complaint narrative:
Dear TransUnion I noticed that you verified the account below : XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Past due needs to be updated, repaired or fixed. Because I dont know a lot abou
t credit repair, I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify.

He also stated that once I receive this information, he would like to review it. Please send ASAP. 

Thanks. 

CC : FTC, XXXX, CFPB

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 2023-12-05 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: GA

Complaint narrative:
I am trying to purchase a house and notice I damaging information on my credit report preventing my credit from improving to purchase my kids a home.According to the provisions of the Fair Credit Reporting Act 611 ( a ) U.S.C. 1681i ( a ), these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 
If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. According to the to the provisions of 612 [ 15 U.S.C 1681j ], there should no charge for this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please review the enclosed documents and eliminate any personal information that isn't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
On XX/XX/2023 a server arrived at the home address to serve paperwork. Another adult at the house accepted the paperwork while I was on the phone with him. The summons stated that " On XX/XX/2023 at XXXX in the XXXX XXXX XXXX, XXXX XXXX, Colorado, if an answer is not filed, the Court may be asked to enter judgment against you as set for in the Complaint. '' On XX/XX/XXXX, I signed up with XXXX and created a " Motion to compel arbitration and stay proceedings '' As it is a requirement of Midland Credit Management , Inc . Terms and Conditions before any court proceedings. 

On XX/XX/XXXX, I went to XXXX and mailed out a certified letter to be signed by the attorneys who created the paperwork that was served to the address and later given to me. I then went to the XXXX XXXX XXXX who stated Midland Credit Management did not file anything and couldn't take my motion since there was no court case and asked for me to return tomorrow. 

On XX/XX/XXXX, I went back to XXXX XXXX XXXX who stated again there was no case. Two county clerk admins looked for my information and went through active cases and summons and failed to find my information anywhere. They have provided and sealed such paperwork stating there was no record. The motion that I have certified sent to them is being still delivered and don't know what that would mean on my end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: CA

Complaint narrative:
Dear TransUnion I noticed that you verified the account below : XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Past due needs to be updated, repaired or fixed. 

Because I dont know a lot about credit repair, I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. 

He also stated that once I receive this information, he would like to review it. Please send ASAP. 

Thanks. 

CC : FTC, XXXX, CFPB

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 2023-12-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to bring to your attention several concerns regarding the inaccuracies of the information that you have been reporting. I have recently obtained my credit report from your agency and have discovered numerous mistakes and errors that require immediate attention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to bring to your attention several concerns regarding the inaccuracies of the information that you have been reporting. I have recently obtained my credit report from your agency and have discovered numerous mistakes and errors that require immediate attention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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 information was sold and bought illegally because I was a victim of the Equifax data breach. I have identified several errors ( names, social security numbers, addresses, phone numbers, and employers ) on my credit reports that indicate I was a victim of identiy theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CO

Complaint narrative:
The company generated a self-payment of {$650.00} leaving my account in negative, this charge was generated on XX/XX/ without any reason, I called the bank to ask for an explanation and they could not explain what was happening

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: IL

Complaint narrative:
I recently checked my credit report and noticed that there were unauthorized accounts being reported as debt to my 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 non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, Trans Union and XXXX are reporting incorrect information on my credit report from XXXX XXXX XXXX. 
I was not under a contract for the period in which XXXX is claiming.

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 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
In XX/XX/2023, I and my husband opened XXXX accounts at TD Bank : a checking account and an associated savings account. We received checks for both along with debit cards. We requested paper statements mailed to us. But after 2 months, when we got no statement for either account, I went to the bank and asked for the latest statement. They expressed surprise, said that I was getting mailed statements, and when I said I had received NONE, they printed XXXX out for me, showing both accounts. They then said it would come the next month. 

But the next month and then the next came -- and no paper statement. 

It is now almost half a year later, and I have never received a paper statement in the mail. This may be related to the fact that after starting our accounts, TD Bank instituted a {$3.00} fee for each paper statement it mailed. Despite that, I was told by bank personnel that I should be getting a combined statement ( savings and checking account activity ) in the mail. 

Clearly, TD Bank does not want to issue my paper statement despite the law requiring them to do so if the account ( s ) are active, which mine are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am writing to request debt validation for the debt that you have been attempting to collect from me. As a consumer, I have the right to request validation of any debt that is being pursued by a debt collector. 

*MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$4000.00} 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 non-monetary relief
Consumer complaint received 2023-12-05 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
When I want, the problem is when I went to buy the car the car had almost XXXX miles on it. They told me they were going to give me the car for {$50000.00}. I gave {$3000.00} down payment and they went through all the contracts and everything I signed whatever I had signed, but I never received the contract, when my first payment came supposedly I was going to pay {$700.00}. My first bill came to {$1200.00} so I called them and I said there's something wrong and they said no this is what we have. This is what you have to pay you have gap insurance you have this you have done this this, I said I didn't want none of that and I called to see when I was going to receive my contract, when I receive my contract I see that they charge me XXXX for the car XXXX not the XXXX that's the problem I'm having you know I have been paying the car and trying to get this fixed with them but they say they can't fix this if I am giving the car, my credit will be affected. I will have a repo and things like that so I don't wan na mess up my credit so I need help and I don't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX and on XXXX XXXX JPMCB Card services has had a hard inquiry on my credit score I have no knowledge about! I want to dispute it because that is not on my behalf! I have tried to multiple times in the past with no avail! On XXXX XXXX I have a hard inquiry from XXXX XXXX XXXX I have no knowledge of as well and I want it disputed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
On XX/XX/XXXX, someone opened an XXXX XXXX XXXX XXXX account or bought something there using my information/credit account. On XX/XX/XXXX it was reported to XXXX as Delinquent, bringing my score down by XXXX POINTS! I called the collection company : Sunrise Credit Services and told them this was fraud. Furthermore, I told them I received no notices beforehand that payments were behind, which is industry standard when payments are missed ... meaning the address they have for the person who used my credit must clearly be different. I told them I have used : XXXX, XXXX, and XXXX XXXX for the last 20+ years. I found out that a very old address was used in connection with accessing my credit, so perhaps they had used it instead of one of my newer XXXX addresses from moves I've made over the years. Sunrise Credit Services provided me with the phone number of the person who used my information, so this should easily be traceable : XXXX. I have submitted a fraud report with XXXX and they need a copy of the report from FTC/cfpb to add to their documentation. The amount I am fraudulently being held responsible for is {$1300.00}. I will now begin to pay the {$24.00} XXXX requires to " LOCK '' a credit account as this monthly fee will be well worth avoiding this happening in the future.

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 2023-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
Beginning XX/XX/XXXX, XXXX XXXX XXXX engaged in a scheme securitization scheme. XXXX XXXX XXXX sold and transfer contract to Toyota Motor Credit Corporation, then sells the account to XXXX XXXX XXXX XXXX XXXX, who created the holding/issuing entity XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owner Trust securitizes and transfers the securities certificates back to XXXX XXXX XXXX XXXX XXXX XXXX who then sells the security certificates to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX then sells the certificates to investors while simultaneously collecting offering from investors. After the offering proceeds are collected by XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, aforesaid proceeds are then transferred to Toyota Motor Credit Corporation then transfers the funds the the trustee, XXXX XXXX XXXX XXXX. 

Complaint Includes : Auto loan securitization and debt collection scheme Unjust Enrichment Violation of the Fair Credit Extension Uniformity Act Violation of Fair Debt Collection Practices Act Intentional and Negligent Infliction of Emotional Distress Racketeer Influenced and Corrupt Organizations Mail Fraud Request for Relief Complaint and requested documents were sent via Certified Mail to XXXX XXXX, XXXX XXXX on or about XX/XX/XXXX. 
Pursuant the Freedom Act Audit Trail Calculation of Balance Accounting Records ( Private and Public ) Accounting request regarding list of collateral or statement of fact Notice of Billing Error Cease $ Desist Notice Requested documents have not been received as of XX/XX/XXXX. 

Federal Lawsuit was filed containing all defendants on XX/XX/XXXX.

Company response to consumer: Closed with explanation