vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the ongoing inaccurate reporting of an account with XXXX XXXX XXXX on my credit report. The account details are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX TransUnion Report Details : High Balance : {$29000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Joint Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed Payment Status : Repossession Creditor Remarks : Payment after Repossession Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX  Month ( XXXX ) Past Due Amount : {$0.00} Account Type : Auto Loan Payment Frequency : Monthly XXXX XXXX XXXX {$0.00} Specific Issue : This account was charged off on the following date : XX/XX/XXXX. Since that date, the account has been repeatedly updated as " charged off '' every month. These repeated updates in the payment history are incorrect and misleading. 
According to the Fair Credit Reporting Act ( FCRA ), once an account is charged off, it should not include an active payment history. The continuous updates falsely extend the statute of limitations on this debt, causing harm to my credit standing. 

Violation of Rights : I have previously requested that this matter be investigated twice, but your neglect to address the inaccuracies has resulted in a violation of my rights under XXXX XXXX XXXX XXXX - XXXX in case of disputed accuracy. The continued reporting of inaccurate information after multiple requests for correction is unacceptable. 

Demand for Deletion : Given the persistent inaccuracies and the failure to correct this issue, I am now demanding the deletion of the account from my credit report. The following account details must be removed immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Reporting Agency : TransUnion Requested Action : I urge the CFPB to take immediate action by ensuring that the creditor, XXXX XXXX XXXX, conducts a thorough investigation and deletes this account from my credit report. Failure to do so will compel me to explore further legal avenues to protect my rights. 

Thank you for your prompt attention to this serious matter. I expect to receive confirmation of the deletion and correction of my credit report as soon as possible. 
Sincerely, 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 2024-08-20 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with XXXX U.S.C. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX. 
XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with XXXX U.S.C. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 2024-08-20 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: FL

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX USC XXXX, I have identified the following accounts that have breached these legal provisions : [ Account ; XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX USC XXXX ( a ) ( XXXX ). 
According to XXXX USC XXXX, Section XXXX ( A ), I have the right to privacy. Furthermore, under XXXX USC XXXX, Section XXXX ( A ), Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX USC XXXX ( a ) ( XXXX ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under XXXX USC XXXX ( a ) ( XXXX ), no person shall 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. Additionally, according to XXXX USC XXXX ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I requested Equifax to remove the XXXX entry from my credit report for Fraud. It was proven that XXXX added another {$19000.00} in additional debt to the entry fraudulently. After notifying Equifax of the Fraud, Equifax responded that " The entry has been updated and current. ". It still shows the extra {$19000.00} on the XXXX XXXX which is Fraud. I am attaching the forms and contracts showing I NEVER OWED {$32000.00} Charge off + {$19000.00} Balance which is a total of {$51000.00}. I never owed that much money! Not even close!!! I did find out that XXXX and XXXX XXXX are XXXX of Equifax 's biggest customers and have learned through similar law suits that Equifax " Favors '' it's largest, highest paying clients in dispute matters. Equifax has allowed this Fraud to continue for over XXXX  months now. CFPB, you will see that this is a Fraudulent act, committed by Equifax to make sure it keeps it's highest paying customers happy. After Equifax allows criminals to steal my information, and now continues to allow Fraudulent Entries on my Credit Report, I am asking the CFPB get involved for a broader investigation into why Equifax continues to allow criminal acts of Fraud after we have provided AMPLE amounts of proof to Equifax. The next question I have will show the Fraud by Equifax and what I would like the CFPB and Equifax to address ... *****If my Sales Contract shows I made a purchase in XX/XX/XXXX for {$37000.00} ( Attached ), and my XX/XX/XXXX Payment Log from XXXX XXXX I only owed {$32000.00} ( Attached ), *****Why is CARMAX collecting {$51000.00}??? ********* They have a XXXX of {$32000.00} and a balance of {$19000.00}. THIS IS FRAUD! CFPB needs to get involved and penalize Equifax for allowing false entries for it's favorite customers. This is my XXXX dispute!!!! I have a right under the law to have anything reported on my Credit Report to be reported 100 % Correctly. After XXXX  months of Fraud I still do not have resolution. Therefore under the LAW, this entry must be legally removed from my Equifax Account, or face prosecution for damages to my credit history. XXXX has already removed from my report and reported the fraud. Equifax is committing fraud to please its paying customers REMOVE THIS ACCOUNT AS IT IS FRAUDULENT! WHAT DO YOU NOT UNDERSTAND BY MY ATTACHED RECORDS? XXXX OBEY THE LAW! REMOVE IT, NOW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
Paid student loans in full in XX/XX/year>, mohela never updated payment in my credit reports. I complained to experience, filled a dispute, but dispute did not get approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: TX

Complaint narrative:
I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA XXXX this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the XXXX XXXX to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA XXXX XXXX XXXX ( XXXX ) ( A ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under XXXX XXXX XXXX XXXX ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under XXXX XXXX Code XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt XXXX. 
I never sat across a table from any of the alleged creditors and debt XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of XXXX  :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
For purposes of this section, a notice of address discrepancy means a notice sent to a user by a consumer reporting agency described in 15 U.S.C. 1681a ( p ) pursuant to 15 U.S.C. 1681c ( h ) ( 1 ), that informs the user of a substantial difference between the address for the consumer that the user provided to request the consumer report and the address ( es ) in the agency 's file for the consumer. 

ADDRESS IM NOT ASSOCIATE WITH PLEASE REMOVE THE FOLLOWING OFF MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - False, deceptive, or misleading representations or means. 
these accounts are not correct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
For purposes of this section, a notice of address discrepancy means a notice sent to a user by a consumer reporting agency described in XXXX U.S.C. XXXX ( p ) pursuant to XXXX U.S.C. XXXX ( h ) ( XXXX ), that informs the user of a substantial difference between the address for the consumer that the user provided to request the consumer report and the address ( es ) in the agency 's file for the consumer. 

ADDRESS IM NOT ASSOCIATE WITH PLEASE REMOVE THE FOLLOWING OFF MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX CT XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - False, deceptive, or misleading representations or means. 
these accounts are not correct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THIS IS MY FINAL WARNING PLEASE REFER TO UPLOAD. 


I OPT OUT OF THIS COMPANY REPORTING ON ANY OF MY CREDIT REPORTS. I want them to delete/ remove this account with all reporting agencies. 

Also listed as the following company XXXX XXXX XXXX XXXX credit report. I opt out of this company reporting as well. As it is the Mother/Sister company for XXXX at XXXX XXXX XXXX XXXX 


Also this account is reporting under XXXX XXXX, and my Name is Clearly XXXX XXXX XXXX. Attached you will find my Drivers License. To support my claim.

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 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Subject : Complaint Regarding Missing Refunds Wells Fargo XXXX XXXX Dear Sir/Madam, I am writing to formally file a complaint regarding a serious issue involving both Wells Fargo Bank and XXXX. The issue concerns multiple refunds that were processed by XXXX but have not been credited to my closed Wells Fargo account. 

Background : On XX/XX/XXXX, XXXX processed several refunds to my Wells Fargo account ending in XXXX, which had been closed since XX/XX/XXXX. I promptly informed XXXX about the closed account. Despite this, XXXX confirmed that the refunds were processed and provided me with the following reference numbers : - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX I contacted Wells Fargo and provided them with these reference numbers to locate the refunds. However, Wells Fargo has repeatedly stated that they have not received any funds related to these transactions. 

Details of the Transactions : - Total Amount Refunded : {$200.00} ( 7 transactions of {$29.00} each ) - Date of Refunds : XX/XX/XXXX - Wells Fargo Account Number ( now closed ) : Ending in XXXX - XXXX  Reference Numbers : Listed above Request for Assistance : I am requesting that the Consumer Financial Protection Bureau investigate this matter, as I have been unable to recover these funds despite following all recommended steps. I believe that Wells Fargo and XXXX are responsible for ensuring that the funds are properly accounted for and returned to me. 

In the message from XXXX, they indicated that if Wells Fargo is still unable to locate the refunds, I should provide them with a document from Wells Fargo on their official letterhead confirming this. I have requested this from Wells Fargo but have not received a satisfactory response. 

It's been one month trying to get my refund. I would appreciate your assistance in recovering these funds and resolving the issue. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc.
State: AZ

Complaint narrative:
Carmax repossed my car and claimed it was a chargeoff for themselves and tax credit of {$32000.00}. They then added a {$19000.00} balance to the {$32000.00} Chargeoff making it a grand total of {$51000.00} in debt owed. You will see in the documents that I never owed close to this dollar amount. Carmax added this extra amount on my credit report out of spite. When Carmax was approached by the 3 credit bureaus in writing, Carmax lied to each bureau and claimed it was accurate. XXXX is the only company that listed this credit entry as a fraudulent entry. XXXX and XXXX claim that Carmax is one of their highest paying customers on the investment website and are allowing this Fraudulent behavior to continue. We have since started legal proceedings for damage against the 2 credit bureaus and will be doing the same with Carmax for Fraudulent reporting out of spite.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
In XXXX of XXXX  I had a credit score of XXXX. During that same month I refinanced my student loan from XXXX to The Department of Education. The loan amount owed to XXXX was XXXX and the new loan with The Department of Education was also XXXX. 

Once loan companies changed my credit score dropped drastically over XXXX points. I had no late payments as I pay timely, I keep my credit usage less than 20 % and my balances are all under 50 % or less. So, if the loan amounts were the same, why would my credit score drop XXXX points. 

I have reached out to each bureau for answers however ; I get no response. I think something is not right and would like it corrected or an explanation of why the drastic change when no amounts changed. 

Any help will be greatly appreciated. 

Thanks! 

XXXX

Company response to consumer: Closed with explanation