vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA is inaccurately reporting my account as charged-off and closed, yet it continues to display the account as having an unpaid balance of {$2800.00} and a delinquent status on my credit reports with XXXX, XXXX, and XXXX. This reporting is misleading and inconsistent with the legal definition of a charged-off debt. Additionally, USAA has refused to issue a Form 1099-C to document the cancellation of this debt, further complicating the situation. 

I filed a prior complaint ( XXXX ) with the CFPB about similar issues, but the investigation appears to have been incomplete. USAA continues to report inaccurate information, despite my requests for correction under the Fair Credit Reporting Act ( FCRA ). 

Actions I have taken : Contacted USAA directly to dispute the accounts inaccurate status, including their refusal to issue a Form 1099-C.

Filed a previous complaint with the CFPB regarding this account.

Actions taken by USAA : Refused to issue a Form 1099-C while still reporting the debt as charged off.

Continued to report an unpaid balance and delinquent status on my credit report.

This inaccurate reporting has significantly harmed my credit and financial standing, and I believe it violates both FCRA accuracy standards and 26 U.S. Code 6050P, which governs the reporting of canceled debts. 

I respectfully request a thorough investigation of this issue, as I believe the previous investigation did not fully address these concerns or result in a fair resolution.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have informed TransUnion that the public records they are reporting on my credit are inaccurate and need to be removed. I have not received a response from them in over a year and I am not able to fill out another request in their system.btge amount of time has also passed for this to be reporting on my credit. I have also asked them to remove all the hard inquiries on my credit where I did not receive a loan or anything in return and they will not comply. 
Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX  Classification Bankruptcy Type XXXX  XXXX bankruptcy Responsibility Individual Asset Amount 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 2024-12-29 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: OH

Complaint narrative:
My name and personal information is Listed in a XXXX XXXX Trans Union. XXXXXXXX XXXX. Consumer Reporting Agencies need to remove all items listed on my Consumer Report states the XXXX due to the Breach

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I had to disconnect my accounts to stop a cancellation which I requested. They required calling them ( which I did ) or offered a XXXX XXXX XXXX yeah... right ... .not. ) they still tried to bill me. 

Let 's keep this short and simple. " XXXX XXXX '' should be fair trade. The ease of subscribing should be match with an ease of subscribing. 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 2024-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute an unauthorized credit inquiry that has appeared on my credit report. After reviewing my credit report, I noticed an inquiry from [ Creditor 's Name ] that I do not recognize and did not authorize. 

Details of the disputed inquiry : Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX Date of Inquiry XXXX XXXX Creditor/Company Name : XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XXXX Creditor/Company Name XXXX XXXX XXXX XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Under the Fair Credit Reporting Act ( FCRA ) , I have the right to dispute inaccurate information on my credit report. I did not authorize this inquiry, and I believe it to be either a mistake or a case of identity theft. As such, I kindly request that you investigate this matter and remove the disputed inquiry from my credit report. 

To assist with your investigation, I have enclosed any supporting documentation related to my dispute, including a copy of my credit report showing the inquiry in question. Please notify me in writing once the dispute has been resolved. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
I used Lexington law and they didnt provide the service they promised

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 
Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: GREENSTATE CREDIT UNION
State: CA

Complaint narrative:
I am filing a formal complaint against GreenState Credit Union for multiple violations of the Truth in Lending Act ( TILA ) under U.S. Code 1638 ( a ). Despite my formal demand letter dated XX/XX/year>, the credit union has failed to address or resolve these violations. 

Details of the Violations : 1. Improper Itemization of Fees : The loan agreement fails to properly itemize prepaid finance charges such as XXXX XXXX, dealer fees, and state lien fees, violating 1638 ( a ) ( 2 ).

2. Inaccurate APR Disclosure : The disclosed APR of 6.69 % does not align with the finance charge and loan amount, indicating a potential understatement in violation of 1638 ( a ) ( 4 ).

3. Ambiguous Terms : The agreement includes a Variable Rate clause without providing the necessary disclosures required under 1638 ( a ) ( 7 ).

4. Failure to Disclose Late Fees : The contract does not clearly disclose late fees or collection costs, violating 1638 ( a ) ( 9 ). 
5. Inadequate Breakdown of Total Sale Price : The total sale price lacks transparency, failing to differentiate between vehicle cost and financing charges, in violation of 1638 ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> RE : Letter to Remove inaccurate information To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data to this account is reporting accurately including every notation, date and balance weather reported or not. 

Account Dept of ED/XXXX  Number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payment were in fact late. By the provisions of the consumer protections laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors that have requested a copy of my credit report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided 15 days of the completion of your reinvestigation. I also read that under the federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate this items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete 30 days of receipt of this letter, or you must remove the incorrect information. 

Please send an update copy of my credit report to the above address. 

Thank you for your time and help with his matter. 

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 explanation
Consumer complaint received 2024-12-29 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: OH

Complaint narrative:
My name and personal information is Listed in a Data Breach XXXX XXXX. XXXXXXXX XXXX Consumer Reporting Agencies need to remove all items listed on my Consumer Report states the XXXX due to the Breach

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 2024-12-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-12-29 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: Nelnet, Inc.
State: NY

Complaint narrative:
XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant of FCRA section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX XXXX XXXX XXXX , block information appearing on my consumer credit report that is the result of idenity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of credit cards and student loans from Capital XXXX bank {$440.00}, XXXX XXXX bank {$2300.00}, XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX XXXX XXXX  ) {$530.00}, XXXX XXXX XXXX XXXX XXXX XXXX  ) {$660.00}, XXXX XXXX XXXX {$13000.00}, Dept of EduXXXX {$1800.00}, Dept of EduXXXX {$3300.00} XXXX Dep of Edu {$1700.00}, Dep of Edu {$420.00}. 

These accounts have resulted in several hard Inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. i do not recognize the aforementioned accounts, collections or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my report were not opened, made or initiated by me but through identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant of FCRA section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX Credit Reporting Agency , block information appearing on my consumer credit report that is the result of idenity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of credit cards and student loans from XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX  {$2300.00}, XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX XXXX XXXX  ) {$530.00}, XXXX XXXX XXXX XXXX XXXX XXXX  ) {$660.00}, Dept of EduXXXX {$13000.00}, Dept of EduXXXX {$1800.00}, Dept of EduXXXX {$3300.00} XXXX Dep of Edu {$1700.00}, Dep of Edu {$420.00}. 

These accounts have resulted in several hard Inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. i do not recognize the aforementioned accounts, collections or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my report were not opened, made or initiated by me but through identity theft.

Company response to consumer: Closed with explanation