vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 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 dispute the credit reporting practices of XXXX XXXX  concerning my XXXX XXXX XXXX XXXX account ( Account Number : XXXX ). This letter serves as a formal complaint of multiple legal violations and a demand for corrective action. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate Reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : XXXX XXXX has failed to report accurate information regarding the status and balance of my account. The account, reported as a " Charge off / profit and loss write off '' with a balance of {$1700.00} and past due amount of {$440.00}, contradicts the legal requirements for charged-off accounts. 

Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : Despite my repeated requests, XXXXXXXX XXXX has not conducted a reasonable investigation into the disputed information, as mandated by the FCRA. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Misrepresentation of Debt ( 15 U.S.C. 1692e ) : Attempting to collect a debt that has been written off for tax purposes, without issuing a 1099C form, constitutes a misrepresentation of the character and legal status of the debt. 
Case Law Precedent : Gugger v. USAA Fed. Sav. Bank : This case establishes that reporting a balance on a charged-off account is misleading and inaccurate. 
Demand for Statutory Damages : Under the FCRA, I am entitled to statutory damages of up to {$1000.00} for each violation by XXXX XXXX The continued reporting of inaccurate information and failure to conduct a reasonable investigation constitute separate violations for which I seek compensation. 

Reporting to the IRS : I will be reporting XXXXXXXX XXXX  to the Internal Revenue Service for attempting to collect a debt that has been written off for tax purposes, in violation of federal tax laws.

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 2023-11-21 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: FL

Complaint narrative:
I am writing to dispute the credit reporting practices of XXXX XXXX concerning my XXXX XXXX XXXX XXXX account ( Account Number : XXXX ). This letter serves as a formal complaint of multiple legal violations and a demand for corrective action. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate Reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : XXXXXXXX XXXX has failed to report accurate information regarding the status and balance of my account. The account, reported as a " Charge off / profit and loss write off '' with a balance of {$1700.00} and past due amount of {$440.00}, contradicts the legal requirements for charged-off accounts. 

Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : Despite my repeated requests, XXXXXXXX XXXX has not conducted a reasonable investigation into the disputed information, as mandated by the FCRA. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Misrepresentation of Debt ( 15 U.S.C. 1692e ) : Attempting to collect a debt that has been written off for tax purposes, without issuing a 1099C form, constitutes a misrepresentation of the character and legal status of the debt. 
Case Law Precedent : Gugger v. USAA Fed. Sav. Bank : This case establishes that reporting a balance on a charged-off account is misleading and inaccurate. 
Demand for Statutory Damages : Under the FCRA, I am entitled to statutory damages of up to {$1000.00} for each violation by XXXXXXXX XXXX  The continued reporting of inaccurate information and failure to conduct a reasonable investigation constitute separate violations for which I seek compensation. 

Reporting to the IRS : I will be reporting XXXX XXXX XXXXo the Internal Revenue Service for attempting to collect a debt that has been written off for tax purposes, in violation of federal tax laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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:
This is not my account. Please remove this fraudulent account from my credit report. Thank you!

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 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX there was an unauthorized transaction made on my credit karma money account, which was only created to have my income taxes deposited into. The merchant was XXXX XXXX and the unauthorized transaction was in the amount of {$600.00}. I have since disputed the unauthorized transaction with Credit Karma on XX/XX/XXXX and their response to my dispute was dispute unsuccessful, we tried our best, but couldnt resolve your dispute submitted. They also informed me that I could not appeal their decision and it was final. Upon speaking with XXXX XXXX ( XXXX XXXX ) they told me since the transaction was not authorized on my account they couldnt help me file a dispute and that they would need to speak with the person who authorized the dispute. It is crystal clear and very apparent that Credit Karma did not do their due diligence during the investigation process or else they would have sided with me in regards to the transaction being unauthorized and fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21 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: PR

Complaint narrative:
On XXXX XXXX I called Experian and XXXX to report a fraudulent account open on my credit report. I submitted the submitted a FTC complained number that I have submitted to FTC to both credit bureaus Experian and XXXX. 
On XXXX XXXX Experian completed my dispute stating that it was not valid. So it took them 3 days to investigate. 
On XXXX XXXX, I received a response from XXXX, with the same information as Experian. The account that I have not open and that I have call XXXX XXXX that was not mine still on my credit file. I have a fraud alert on my credit and XXXX and 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 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
My account with mercedes benz financial account number XXXX have been charged an undisclosed amount of {$1500.00}. When I called up they told me it was for some attorney fees. 
The car was in a shady bodyshop who tried to scam me for {$8000.00} to release the car I was going back and forth with the bodyshop trying to get the car out. it took a few month time to finally settle with the bodyshop. Apprently XXXX financial was notify the situation and decided to get their attorney involved and tried to bill me for it. 

my account have always been on time payment and with no lates. When I called and ask them what the additional fee was for they say it was for the attorney fees. 

they never contacted me regarding hiring an attorney in either phone call / mail/ email. 
nor they have my authorization to charge that amount into my finance account. 

Origionally the attorney fee was {$350.00} posted on the account, XXXX month I looked it went to {$1200.00}. And today it jumped to {$1500.00}. 

please help me with this situation while these lenders are adding unauthorized and insane amount of fees to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: CA

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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I have tried many times to cancel the guarantees that they sell to you and I managed to cancel but they did not give me back everything they had told me they would give me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: TX

Complaint narrative:
I recently requested to remove escrow account from mortgage account and my lender is charging me {$650.00} to remove escrow account. Is that reasonable to charge {$650.00} to consumer? And also lender didnt disclose the option at closing either to have an escrow account with conventional loan.

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 2023-11-21 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: FL

Complaint narrative:
I have request a investigation of XXXX XXXX XXXX account on my XXXX report. The charge -off of an obligation with XXXX XXXX XXXX XXXX incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2020 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

If, after any reinvestigation under paragraph ( 1 ) 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 consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and

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 2023-11-21 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: FL

Complaint narrative:
I have request a investigation of XXXX XXXX XXXX account on my XXXX report. The charge -off of an obligation with XXXX XXXX XXXX XXXX incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2020 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

If, after any reinvestigation under paragraph ( 1 ) 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 consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and

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 2023-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I was asked for all XXXX credit bureaus to investigate the negative item on my report. I keep getting the same response but no update on credit report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: PA

Complaint narrative:
I took notice to inaccurate information on certain accounts. The accounts goes as follows ; [ XXXX  Account Number : XXXX ] [ XXXX XXXX XXXX  Account Number : XXXX ] [ XXXX  Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] The inaccuracies are that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report.

Additionally, a creditor CAN NOT mark a consumer as late for any reason/purpose as it violates 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late.

I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' of these late payments then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).

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 2023-11-21 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: PA

Complaint narrative:
I took notice to inaccurate information on certain accounts. The accounts goes as follows ; [ XXXX  Account Number : XXXX ] [ XXXX XXXX XXXX  Account Number : XXXX ] [ XXXX  Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] The inaccuracies are that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report.

Additionally, a creditor CAN NOT mark a consumer as late for any reason/purpose as it violates 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late.

I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' of these late payments then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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:
i recently check my credit report and notice some items that wasn't mines and i file an identity theft report and sent it to the three CRAs ( XXXX, EQUIFAX, AND XXXX ) USPS certified mail on XXXX XXXX and they received them on XXXX XXXX and by FCRA they have XXXX business days to block and delete the information. 
I have attach copies of the letters below and has been going through sleepless nights stressing because i keep getting denied for things i need to survive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: TX

Complaint narrative:
i recently check my credit report and notice some items that wasn't mines and i file an identity theft report and sent it to the three CRAs ( XXXX, XXXX, AND EXPERIAN ) USPS certified mail on XXXX XXXX and they received them on XXXX XXXX and by FCRA they have XXXX business days to block and delete the information. 
I have attach copies of the letters below and has been going through sleepless nights stressing because i keep getting denied for things i need to survive.

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 2023-11-21 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: CA

Complaint narrative:
I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, XXXX.This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely EQUIFAX, XXXX AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief