vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: NY

Complaint narrative:
When beginning the process of shopping for my rst home purchase by XXXX I was told by the banks finance manager that I did not qualify for a loan due to delinquent accounts existing on my credit prole. After signing up with a credit monitoring site i reviewed my report and discovered fraudulent activity i had no prior knowledge or consent of. I am requesting my laws of the FCRA be upheld justly and these accounts be investigated and removed urgently. I've also been made aware of IRS violations concerning these accounts as they are not only fraudulent but also charge off profit loss claims that I never received a 1099c for. These accounts need to be deleted or I will be forced to take further action

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 2025-01-04 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: NY

Complaint narrative:
When beginning the process of shopping for my rst home purchase by XXXX I was told by the banks finance manager that I did not qualify for a loan due to delinquent accounts existing on my credit prole. After signing up with a credit monitoring site i reviewed my report and discovered fraudulent activity i had no prior knowledge or consent of. I am requesting my laws of the FCRA be upheld justly and these accounts be investigated and removed urgently. I've also been made aware of IRS violations concerning these accounts as they are not only fraudulent but also charge off profit loss claims that I never received a 1099c for. These accounts need to be deleted or I will be forced to take further action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tesla, Inc.
State: CA

Complaint narrative:
I am attempting to pay off my loan with Tesla Financing for my solar loan.

I could not find this option anywhere on their website or app, it is not there ( despite the instructions that say you can find the info on the app- it is absolutely not there ). 

I chatted with Tesla support and they gave me the phone number for Tesla Financing. I called the phone number and they indicated the only way to get help was to email Tesla finance to get instructions to pay off the loan, which I did on XX/XX/scrub>XXXX XXXX XXXX I received a canned email that pointed me back to the phone number I had already called, who already said they could not help me with a payoff, and they sent me a link to an online page which did not include instructions to pay off the loan. 

I emailed Tesla finance again on XX/XX/XXXX, letting them know I wanted to pay off my loan, and neither the phone number or email support had given any information on how to do this. 

10 days later, on XX/XX/XXXX, I emailed again because I had not received a response. 

On Tesla 's website, there are " statements '' which do not include a loan balance or percentage rate, and on the " terms and remaining balance '' section of my account, there the APR is listed and the end of term, but NO BALANCE. 

I am utterly dumbfounded how anyone providing loans could operate without letting customers pay off the loan. 

I expect clear, immediate instructions, including my payout amount, and I want to be compensated for the 2 months interest and payments I made while trying to pay this loan off. These practices do not even remotely comply with the truth in lending act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Deatrick & Spies PSC
State: OH

Complaint narrative:
DEATRICK & SPIES, P.S.C. HAS SENT ME A LETTER VIA POSTAL MAIL THAT IMPERSONATES THE COMMONWEALTH OF KENTUCKY COURT OF JUSTICE ALLEGEDLY ON BEHALF OF XXXX XXXX, XXXX INFORMING ME OF GARNISHED WAGES FOR A DEBT THAT I DO NOT ACKNOWLEDGE DATED BACK TO XXXX, XXXX, XXXX, UPON REACHING OUT TO XXXX XXXX, XXXX I WAS INFORMED THAT I DO NOT NOW NOR HAVE I EVER OWED A DEBT TO THEM. THE LETTER I RECEIVED ON XX/XX/XXXXXXXX  VIA POSTAL MAIL FROM DEATRICK & SPIES, P.S.C. INDICATES THAT THAT IT IS AN OFFICIAL LEGAL NOTICE, THE LETTER PROVIDES A CASE NUMBER ( XXXX ) AND DIRECTS ME TO WWW.COURTS.KY.GOV, HOWEVER THERE IS NO SUCH RECORD OF THIS CASE NUMBER, NOR HAVE I BEEN LEGALLY SERVED ANY NOTICE OF LEGAL ACTION BEING TAKEN AGAINST ME. I DO NOT ACKNOWLEDGE THE DEBT DEATRICK & SPIES, P.S.C. IS ATTEMPTING TO GARNISH FROM MY WAGES. I DO NOT KNOW HOW THEY OBTAINED MY INFORMATION. DEATRICK & SPIES, P.S.C. HAS BEEN SENDING FRAUDULENT LETTERS VIS POSTAL MAIL IN AN ATTEMPT TO DEFRAUD ME OUT OF MONEY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MO

Complaint narrative:
Complaint Reference Number : XXXX and XXXX Date of Complaint Submission : XX/XX/XXXX and XX/XX/XXXX Date of Complaint Resolution : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear CFPB, I am writing to formally address a complaint regarding my credit report and the handling of the dispute by Transunion. I submitted a complaint on XX/XX/XXXX ( reference number : XXXX and XXXX ) concerning inaccurate credit reporting related to XXXX XXXX XXXX ( XXXX ), but my complaint was closed within 24 hours and second one within 9 days, without a thorough investigation or resolution. 
The issue in question pertains to discrepancies in the dates reported by XXXX regarding the purchase of my account. According to XXXX, they claim to have purchased my account around XX/XX/XXXX ( or approximately that date ). However, my credit report states that the account was purchased on XX/XX/XXXXXXXX XXXX XXXX This discrepancy is significant, as it affects the accuracy and completeness of the credit reporting, which is a violation of the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681e ( b ), the FCRA requires that all information provided to consumer credit reports must be accurate, complete, and up-to-date. The vague and conflicting information reported by XXXX on my credit report is a direct violation of this requirement. I am entitled to accurate and complete reporting of all account details, and I am concerned that this issue was not properly investigated by XXXX when I raised the complaint also along with it reporting 120 days past due as a debt buyer collection company? 
Given that the account 's reporting is inaccurate and does not meet the requirements of the FCRA, I am requesting that the account be deleted from my credit report as it violates 15 USC 1681e ( b ) for inaccurate and incomplete reporting.

I have attached in PDF form 4 documents showing either date is reporting wrong, or 120 days late. 
I appreciate your prompt attention to this matter and trust that the CFPB will ensure that this issue is resolved in accordance with the law. Please let me know if further documentation or information is required. 
Sincerely, 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 2025-01-04 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: NJ

Complaint narrative:
This account was charged off on the following date XX/XX/scrub>XXXX Since then the account has repeatedly been updated as charged off every month. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of imitations. You failed to investigate this account properly and your neglect has violated my nights. I gave you guys two chances to investigate this account and it still has factual errors. I am now demanding a deletion to, the following account : XXXX XXXXXXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: PA

Complaint narrative:
I have recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 explanation
Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
I am submitting this formal complaint against experian and equifax regarding fraudulent and inaccurate account reported on my credit file i contacted the company and the bureaus and asked questions and requested contracts and documents to know at least what this account is and to know who opened it. This account was opened without my knowledge or consent, and they are in a lot of violations and inaccurate and constituting identity theft and violations of federal and state laws. I am requesting immediate enforcement action under the authority of the Consumer Financial Protection Bureau ( CFPB ) to have these accounts removed, blocked, and properly investigated. 

Violations of Federal Laws : Failure to Notify ( 15 U.S.C. 1692g ) : Creditors are required to provide written notification of debts within five days of reporting. No such notification was provided, rendering these accounts illegitimate.

Failure to Ensure Accuracy ( FCRA 607 ( b ) ) : Credit bureaus are mandated to ensure maximum accuracy in reporting. Discrepancies in balances, credit limits, open dates, and payment histories indicate violations. 

Failure to Investigate ( FCRA 611 ( a ) ( 1 ) ( A ) ) : Credit bureaus must complete investigations within 30 days. My disputes remain unresolved beyond this timeframe.

Failure to Reinvestigate ( FCRA 611 ( a ) ( 6 ) ) : Credit bureaus must reinvestigate disputes upon request. My requests were inadequately addressed. 

Failure to Protect Personal Information ( 15 U.S.C. 6801-6809 ) : Under the Gramm-Leach-Bliley Act, financial institutions and credit bureaus must safeguard consumer data. A breach in security has evidently occurred.

Identity Theft Protections Violated ( 18 U.S.C. 1028 ) : Fraudulent accounts violate federal protections against identity theft under the Identity Theft and Assumption Deterrence Act.

Failure to Provide Resources ( 15 U.S.C. 1681g ( e ) ) : Credit bureaus must provide victims of identity theft with resources, fraud alerts, and support, which were not offered. 

State Law Violations ( Florida Statutes ) : Fraudulent accounts violate Floridas identity theft protections. 

Fraudulent Account Details : XXXX XXXX Account Number : XXXX Issue : Fraudulent and unauthorized account with discrepancies in payment status, open dates, and reporting across credit bureaus. Notification was not provided. 

Laws Violated : 15 U.S.C. 1681, 1692g ; FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX have an account listed on my credit report for {$4300.00}. The company is stating they are collecting a debt owed to XXXX XXXX for a lease agreement that I was declined for. Ive disputed this debt with XXXX XXXX and XXXX XXXX XXXX on numerous occasions and they refuse to remove this fraudulent account from my credit report. As a XXXX XXXX this debt has caused me significant financial harm and irreparable damage to my XXXX XXXX Ive attached to this complaint a copy of the e-mail denying my application for a lease but the company still placed this account on my credit report fraudulently as if they offered me a lease. Due to this, Im requesting that this account be immediately removed from my credit report according to the FCRA as well as this company provide me with financial compensation for the harm caused to my career and my credit. Should this account not be immediately removed from my credit reports I will also file a complaint against XXXX XXXX with the Georgia Attorney Generals office and a complaint against XXXX XXXX XXXXXXXX XXXX with the Utah Attorney Generals Office as well as submit a complaint with their associated states bar. In doing my due diligence Ive given both agencies ample time to correct this issue. However they refuse and I have no choice other than to take action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX have an account listed on my credit report for {$4300.00}. The company is stating they are collecting a debt owed to XXXX XXXX for a lease agreement that I was declined for. Ive disputed this debt with XXXX XXXX and XXXX XXXX XXXX on numerous occasions and they refuse to remove this fraudulent account from my credit report. As a XXXX XXXX this debt has caused me significant financial harm and irreparable damage to my XXXX XXXX. Ive attached to this complaint a copy of the e-mail denying my application for a lease but the company still placed this account on my credit report fraudulently as if they offered me a lease. Due to this, Im requesting that this account be immediately removed from my credit report according to the FCRA as well as this company provide me with financial compensation for the harm caused to my career and my credit. Should this account not be immediately removed from my credit reports I will also file a complaint against XXXX XXXX with the Georgia Attorney Generals office and a complaint against XXXX XXXX XXXXXXXX XXXX with the Utah Attorney Generals Office as well as submit a complaint with their associated states bar. In doing my due diligence Ive given both agencies ample time to correct this issue. However they refuse and I have no choice other than to take action against them.

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 2025-01-04 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've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me XXXX on why and how this happened.

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 2025-01-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: U.S. BANCORP
State: FL

Complaint narrative:
Subject : Request for Information Regarding Account - Ref via CFPB complaint Dear Finance Department, etc. Al I am writing to formally request verification of the charge-off status and the issuance of Form 1099-C for the account linked to the reference number provided above.

This request is made in accordance with IRS guidelines and regulations. I kindly ask you to provide me with the following information : 1. Confirmation of the charge-off status for the account.

2. Details concerning the amount of the charge-off.

3. The date on which the charge-off was officially recorded.

Additionally, I would like to request a copy of Form 1099-C for this account. 

If the company is unable to supply these documents, I expect the reported information to be deleted from the credit bureaus within 14 days. Otherwise, I will take legal action for remedy afforded to me by law and a full forensic accounting including gathering CUSIP/ ISIN audits. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.

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 2025-01-04 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: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: GA

Complaint narrative:
I received letters stating that my that has been paid off from churches I've never contacted any of these places I've later heard that there was a credit breach where my information could have been leaked out

Company response to consumer: Untimely response
Consumer complaint received 2025-01-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently pulled my credit report and noticed inquiries that I did not approve to be inquired by the companies reported. I have contacted the credit reporting agencies to report that the inquiries where not authorized. however the inquiries still remain on my credit file. The inquiries in question that I have disputed and requested to be removed are : 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 2025-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
Mr. Cooper Nation Star Mortgage XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2400.00} Received that check, check was no good. They were suppose to reissue a new check several times. Last one promised was suppose to be here by XX/XX/XXXX XXXX XXXX. 

Company is very hard to get a live person. We just would appreciate our refund that was going towards taxes that they were collecting. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Dispute Center ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate.

1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this account. 
XXXX XXXX XXXX  XXXX Please verify this account. 
XXXX XXXX XXXX XXXXXXXX Please verify the filing date as well as the discharge/completion date. If you are unable to verify, please remove it from my credit report. 
XXXX XXXX XXXX XXXX Please verify this account. 
XXXX XXXX XXXX  XXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
XXXX XXXX XXXX XXXX XXXXXXXX Please verify this account. 
XXXX XXXX XXXX  XXXX Please verify this account. 
XXXX XXXX XXXX XXXX Please verify the filing date as well as the discharge/completion date. If you are unable to verify, please remove it from my credit report. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 

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