vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: WA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the accounts listed below from my credit report. I am a victim of a data breach, and these accounts were fraudulently added to my credit file without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts removed from my credit report promptly. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$180.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$7000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2300.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2800.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1400.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$5900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: WA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the accounts listed below from my credit report. I am a victim of a data breach, and these accounts were fraudulently added to my credit file without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts removed from my credit report promptly. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$180.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$5700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$7000.00} XXXX  XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$2300.00} XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$3700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2800.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1400.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$5900.00}

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 2024-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
There is so much information to all of this that I'd be happy to share. I didn't get notification of this until approximately XXXX up until ongoing XXXX. Amount they are expecting me to pay is {$6100.00}. I wrote to credit report agencies XXXX, XXXX and XXXX to correct the problem. XXXX had mee all cleared of charges. XXXX, XXXX and XXXX is when I sent letters to Midland. Midland said that they served me papers on around XXXX as per lawsuit. I didn't receive the papers. Midland served me papers on XXXX, noticed on one of Midland 's Exhibit B that they have a purchase on there of {$530.00} on XXXX that there is no documentation of this. Process is now in court for judgement court date XXXX. I will upload all documents concerning the statements above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I am submitting a complaint against XXXX XXXX  regarding the account ending in XXXX. This account is being reported inaccurately and despite over six months of disputes with the credit reporting agencies, no valid documentation has been provided to substantiate the debt. 

Issues and Inaccuracies : Inconsistent Balance and Limit Reporting : The reported balance is {$6600.00}, but the account is marked as closed and charged off. 
The high balance and credit limit are inconsistent across bureaus : XXXX and TransUnion report a credit limit of {$5600.00}. 
XXXX lists a credit limit of {$0.00}. 
Discrepant Payment and Charge-Off Information : The dates of the last payment, charge-off status, and account activity vary significantly between the bureaus. This inconsistency indicates poor record-keeping and reporting failures. 
Failure to Provide Verification : Despite multiple disputes, XXXX XXXX  has failed to supply any valid documentation or proof to substantiate this debt. 
This is a clear violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which requires all reported information to be accurate, verifiable, and timely.

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 2024-12-11 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: FL

Complaint narrative:
I am submitting a complaint against XXXX Bank regarding the account ending in XXXX. This account is being reported inaccurately and despite over XXXX months of disputes with the credit reporting agencies, no valid documentation has been provided to substantiate the debt. 

Issues and Inaccuracies : Inconsistent Balance and Limit Reporting : The reported balance is {$6600.00}, but the account is marked as closed and charged off. 
The high balance and credit limit are inconsistent across bureaus : XXXX and XXXX report a credit limit of {$5600.00}. 
Equifax lists a credit limit of {$0.00}. 
Discrepant Payment and Charge-Off Information : The dates of the last payment, charge-off status, and account activity vary significantly between the bureaus. This inconsistency indicates poor record-keeping and reporting failures. 
Failure to Provide XXXX : Despite multiple disputes, XXXX Bank has failed to supply any valid documentation or proof to substantiate this debt. 
This is a clear violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which requires all reported information to be accurate, verifiable, and timely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and XXXX XXXX. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my 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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-11 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 am writing to express my deep concern regarding the unavailability of my XXXX XXXX from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records.

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 2024-12-11 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'm writing to express my deep concern about the lack of my credit information from your bureau. As a careful customer who regularly examines their credit profile, I am concerned about the recent discovery that crucial information appears to be missing from your records. Despite my proactive approach to managing my finances and making timely payments on all accounts, I have faced major challenges as a result of the absence of my credit data from your bureau. This has not only caused annoyance, but it has also left me in a hazardous position, particularly in light of recent financial transactions and loan applications. I have made repeated attempts to resolve this issue through your customer support channels, but the process has been lengthy and inefficient. As a result, I am experiencing unnecessary obstacles to receiving crucial financial services and opportunities.

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 2024-12-11 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-12-11 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: MI

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX - Charge off XXXX  XXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off XXXX XXXX  XXXX Balance XX/XX/XXXX Balance XXXX - Collection XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Collection XXXX XXXX BANK XXXX Date opened XX/XX/XXXX Balance XXXX -Late/closed XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance XXXX -Late/closed XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Late/closed XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance XXXX - Late/Closed XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX XX/XX/XXXX Balance XXXX - Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CARD XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB Representative, I am filing this urgent complaint to address numerous fraudulent accounts and inquiries on my credit reports resulting from identity theft, as well as significant inaccuracies in reporting by the credit bureaus and creditors. Despite making three attempts to resolve this matter and allowing 30 days for corrective action, I have not received the requested validation or resolution. The discrepancies in account balances, dates opened, and payment statuses across XXXX, Experian, and XXXX violate 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in consumer reports. Creditors have also failed to notify me of debts within the required XXXX window under 15 U.S.C. 1692g and have not validated the debts despite my repeated requests, in direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ). Furthermore, under 15 U.S.C. 1681c-2, I am entitled to the immediate removal and permanent blocking of fraudulent accounts upon providing proof of identity theft, such as a police report, which I have already submitted. The continued presence of these accounts constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S.C. 1681c-2, credit bureaus are legally required to block the reporting of information resulting from identity theft within four business days of receiving appropriate proof, including a police report and written statement. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 6 ), data furnishers are obligated to cease reporting information found to be inaccurate or unverifiable. The CFPB has the authority to enforce these laws to ensure compliance and protect consumers.

I demand the immediate removal and permanent blocking of all fraudulent accounts and inquiries, as well as the correction of all inaccuracies in my credit reports. The credit bureaus must comply with federal law, specifically 15 U.S.C. 1681e ( b ), 1681c-2, 1681s-2 ( a ) ( 1 ), and 1692g, to ensure the accuracy and integrity of consumer reports. Failure to address this matter promptly will compel me to pursue legal remedies, including filing a lawsuit for damages. I request a formal investigation into the reporting practices of the involved creditors and credit bureaus. 

Accounts : XXXXXXXX XXXX Loan ( Account # XXXX ) XXXX XXXXXXXX XXXX  Loan ( Account # XXXX ) Sincerely,

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 2024-12-11 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: CarMax, Inc.
State: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
The truck that got repossessed and reinstated, now the truck will not go out of park and now has no power at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief