vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: FL

Complaint narrative:
XXXX was not properly resolved at all. Car max is absolutely 100 % incorrect in my due date and in trying to rectify this in the past, was argued with. The company 's response reports to you that my due date is on the XXXX of the month it is NOT. It always has been the XXXX of the month. I have attached statements as well as the original purchase order which documents same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: TX

Complaint narrative:
This account has caused me significant distress, to XXXXe point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I inquired online about a consolidation loan with XXXX on Saturday, XXXX Upon getting immediate pre-approval rates over 31 %, I immediately called the XXXX number provided in the site to request removal of any authorization to pull my credit report and/or to solicit my personal information to other companies. He assured me that my name was removed and that no inquiries or sharing of my information would occur. However, I received an email from XXXX on XXXX stating that a Credit Decision was made based on my personal information being shared with XXXXXXXX XXXX. I never authorized my information to be shared with XXXX XXXX or any entity. In fact, I explicitly disallowed it. They pulled my TranUnion Credit report without authorization and made a fraudulent consumer credit decision on my behalf.

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 2024-01-08 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: NM

Complaint narrative:
In XX/XX/2023, nine student loan accounts were transferred from XXXX to XXXX. XXXX did not properly report the nine accounts as paid in full and closed. Currently, both agencies are still reporting duplicate amounts, which overstates my student loan debt by over {$80000.00}. I have been trying to get this corrected for months. I have asked XXXX to update the balances with the credit agencies. No reponse. I have asked XXXX for documents that verify the accounts are paid in full. No response. I have filed disputes with Experian about these balances and they report that XXXX confirmed the balances during the dispute process. However on the credit report, the balances are dated " as of XX/XX/2023 ''. These balances were not updated during the dispute process, even though they are almost a year old. I just filed another dispute with Experian, and they advised that filing a complaint with CFPB might be helpful in resolving this issue. Thank you for your help. Note : I am providing screenshots showing all nine accounts for both XXXX and XXXX. I am also including the detail on the first account only showing : The XXXX balance on the credit report, the XXXX balance from my XXXX account page, and the XXXX balance from the credit report. Each of the nine loans show the same payoff date.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax are reporting a bankruptcy on my credit report and they have put in the date of furnisher as being the US court of XXXX, ga, which is false. I have a attached a letter from the US court of XXXX ga, verifying and stating that they do not furnish information over ti the credit bureaus or any credit monitoring services nor do they verify or validate any information concerning bankruptcies. XXXX, Equifax and XXXX is falsely stating this information on my credit report and have yet to remove this my credit report. This is also fraud because I never applied for bankruptcy so its not my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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:
THIRD PARTY- EXPERIAN XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR- XXXX XXXX XXXX XXXX is breaking the consumer law pertaining to : XXXX XXXX XXXX XXXX XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX : XXXX CARD HOLDER!

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 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC, shall be liable for violations of TILA, FCRA, GLBA, XXXX, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: TX

Complaint narrative:
XXXX XXXX reporting inaccurately with a XX/XX/2023 late payment. Per XXXX XXXX representative this inaccuracy will be updated to paid as agreed/ no late payment. XXXX representative states the system did not post payment correctly.

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 2024-01-08 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 have already sent a letter to the Equifax bureau requesting the removal of the inaccurate personal information, accounts, and inquiries reporting on my credit file but the account and inquiry listed below are still reporting on my credit report and are violating Federal Law. Equifax Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and continues to report unconfirmed information. They should remove these accounts and inquiries completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On a recent trip to XXXX with my family, on checking my credit card transactions, I saw a {$610.00} ( XX/XX/XXXX ) charge on my account. I wanted to reach out to the bank and report it, but since it was still processing I could not dispute it. I put an alert to notify me when the transaction posts after which I ended up filing a claim on XX/XX/XXXX. After a few days, the bank requested that I provide details about the transaction and I explained the other charges on my card. A few days later when I logged back into my account, the dispute said it was resolved and that the Customer was responsible for the charge. I tried calling the dispute center to understand what was going on. The executive I spoke to said she will reopen the claim. Not hearing anything from them and no status change made me call them again to find out about the card. On XX/XX/XXXX when I called the fraud center of Citibank, they said the card has a chip and there is no way to clone it. Since the transaction was done using a chip they said either me or someone whom I gave the card to may have done the transaction. The only time I remember the card being with someone else was with a gas station clerk and the other being my card/wallet left in the car accidentally and the car parked by valet. I asked the Citibank staff to provide me any details about the transaction and they said the name of the merchant that I saw on my card is all that they have. I am unsure what their investigation led to that makes me responsible for this charge. There were other valid charges done around the time and I only had concerns with this one charge. I feel that the bank is not providing me with sufficient info. I said I am happy to cooperate with the investigation and would be willing to provide any details they needed. I can also testify this on oath and am happy to face the consequences if I am at fault.

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 monetary relief
Consumer complaint received 2024-01-08 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: IL

Complaint narrative:
I requested proof of validation of debt from XXXX XXXX ; XXXX. They were unable to prove validation of debt. They have also stated that they will cease collection and ask the reporting agencies to remove the trade lines. I contacted the credit bureaus, and they refused to remove the trades lines. 
The credit reporting agencies that refused to remove the tray lines are XXXX and Experian. 
Although I received a letter from the credit ( XXXX XXXX ) and provided this to both bureaus. They refuse to remove the trade lines off my report.

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 2024-01-08 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: CA

Complaint narrative:
I have already sent a letter to the Experian bureau requesting the removal of the inaccurate personal information, accounts, and inquiries reporting on my credit file but the account and inquiry listed below are still reporting on my credit report and are violating Federal Law. Equifax Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and continues to report unconfirmed information. They should remove these accounts and inquiries completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-08 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: TN

Complaint narrative:
I have reached out to Transunion, XXXX, XXXX on XX/XX/2024 in regards to removing these inaccuracies off of my credit profile. Currently each bureau has these XXXX account listed as XXXX offs, which are certificate of indebtness meaning income and income can not be reported on one 's report. Also these XXXX account have different last activity dates. The Fair Credit Reporting Act grants the right to accurate and fair credit reporting using XXXX XXXX XXXX. Please remove WEEBANK/FINGERHUT, CAPITAL XXXX FINANCE, and XXXX XXXX XXXX XXXX XXXX my credit profile

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 2024-01-08 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: TN

Complaint narrative:
I have reached out to XXXX, Equifax, XXXX on XX/XX/2024 in regards to removing these inaccuracies off of my credit profile. Currently each bureau has these 3 account listed as Charge offs, which are certificate of indebtness meaning income and income can not be reported on one 's report. Also these 3 account have different last activity dates. The Fair Credit Reporting Act grants the right to accurate and fair credit reporting using 15 USC 1681. Please remove XXXX XXXX XXXX XXXX and XXXX XXXX XXXX off of my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: TN

Complaint narrative:
I have reached out to XXXX, XXXX, Experian on XX/XX/2024 in regards to removing these inaccuracies off of my credit profile. Currently each bureau has these 3 account listed as Charge offs, which are certificate of indebtness meaning income and income can not be reported on one 's report. Also these 3 account have different last activity dates. The Fair Credit Reporting Act grants the right to accurate and fair credit reporting using 15 USC 1681. Please remove XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX off of my credit profile

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 2024-01-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Premier Mortgage Resources, LLC
State: CA

Complaint narrative:
When I bought this condo the loan officer told me he was going to charge me {$1000.00} to lower the XXXX inters he never told me he was going to put me in the PMI even though I did put the 20 % down for this place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: TX

Complaint narrative:
Creditor XXXX reporting inaccurately with a XX/XX/2023 late payment. Per Creditor XXXX representative this inaccuracy will be updated to paid as agreed/ no late payment. XXXX representative states the system did not post payment correctly.

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 2024-01-08 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: TX

Complaint narrative:
XXXX XXXX XXXX reporting inaccurate XX/XX/2023 late payment. Per CEO of the creditor XXXX XXXX my account will be update accurately as paid as agreed/no late payment. The payment was received instore on time.

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 2024-01-08 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: CA

Complaint narrative:
I have already sent a letter to the TransUnion bureau requesting the removal of the inaccurate personal information, accounts, and inquiries reporting on my credit file but the account and inquiry listed below are still reporting on my credit report and are violating Federal Law. Equifax Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and continues to report unconfirmed information. They should remove these accounts and inquiries completely from my Credit Report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-08 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: NJ

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: MD

Complaint narrative:
[ XXXX XXXX XXXX ] : This account has been incorrectly reported and should be removed due to identity theft. I have also filed a police report with XXXX XXXX police department in Maryland due to this incident. Experian, XXXX and XXXX are reporting this information. I have contacted all three bureaus requesting this account to be removed. 

date issued : XX/XX/2018 balance {$6400.00}

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 non-monetary relief
Consumer complaint received 2024-01-09 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation