vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 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: GA

Complaint narrative:
I have contacted each company for the inaccuracy on my consumer report. The activity date, account being removed off of XXXX. It was removed due to identity theft. Also date of last active I have never made any payments on this account and it's not associated with any address that I have listed on my credit report. Account XXXX last reported dates XXXX and XXXX as inaccurate dates listed along with last date of payment is inaccurate these are showing all type of inaccuracies all across my credit report. # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX all of these are showing inaccurate information and there for to be removed from my credit report. XXXX and XXXX dates and amounts do not match up activity and payment dates show several inaccuracies. Date of last reported is error too. Your investigation of verified has damage my account and reputation for these accounts and I have provide all the pictures and evidence to provide to the BBB I have to send over an audit to IRS for your purpose missed investigation for many years allowing these errors to remain on my credit report and placing them back on my credit report as well. XXXX has dates that are incorrect dates and I have not did any business with this company. XXXX AS WELL IS INCORRECT DATE OPENED WRONG LAST REPORTED ALL WRONG XX/XX/XXXX XX/XX/XXXX LAST DATE ACTIVE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX LOOK AT THE ERRORS LISTED AND YOU CONTINUED TO REMAIN AND PLACE THE ERROR ON MY CONSUMER XXXX XXXX ARE TO BE REMOVEDF IMMEDIAELY. THESE ACCOUNTS ARE REMOVED ON THE OTHER CREDIT AGENCIES I HAVE PLACED ALL THE MISTAKES XXXX, XXXX, XXXX XXXX ACCOUNTS, DEPT OF EDUCATIONXXXX THE DATES OF ACTIVITY, DATE OF PAYMENT, DATE OF ACTIVITY, ALL OF THE DATES ARE DIFFERENT AND INCORRECT.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted each company for the inaccuracy on my consumer report. The activity date, account being removed off of XXXX. It was removed due to identity theft. Also date of last active I have never made any payments on this account and it's not associated with any address that I have listed on my credit report. Account XXXX last reported dates Experian and XXXX as inaccurate dates listed along with last date of payment is inaccurate these are showing all type of inaccuracies all across my credit report. # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX all of these are showing inaccurate information and there for to be removed from my credit report. XXXX and Experian dates and amounts do not match up activity and payment dates show several inaccuracies. Date of last reported is error too. Your investigation of verified has damage my account and reputation for these accounts and I have provide all the pictures and evidence to provide to the XXXX I have to send over an audit to IRS for your purpose missed investigation for many years allowing these errors to remain on my credit report and placing them back on my credit report as well. XXXX has dates that are incorrect dates and I have not did any business with this company. XXXX AS WELL IS INCORRECT DATE OPENED WRONG LAST REPORTED ALL WRONG XX/XX/XXXX XX/XX/XXXX LAST DATE ACTIVE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX LOOK AT THE ERRORS LISTED AND YOU CONTINUED TO REMAIN AND PLACE THE ERROR ON MY CONSUMER REPORTERD THEWY ARE TO BE REMOVEDF IMMEDIAELY. THESE ACCOUNTS ARE REMOVED ON THE OTHER CREDIT AGENCIES I HAVE PLACED ALL THE MISTAKES XXXX, XXXX, XXXX XXXX ACCOUNTSXXXX XXXX XXXX XXXX THE DATES OF ACTIVITY, DATE OF PAYMENT, DATE OF ACTIVITY, ALL OF THE DATES ARE DIFFERENT AND INCORRECT.

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 2024-03-16 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: Credit Control, LLC
State: VA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me

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 2024-03-16 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: MA

Complaint narrative:
I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission.

According to 15 USC 1681, I have the right to privacy.

According to 15 USC 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2024-03-16 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: CITIBANK, N.A.
State: LA

Complaint narrative:
I have reviewed my Consumer Reports and noticed that I have Inquiries on account ( s ) that I do not recognize nor do I hold accounts for. I have kept a respectable credit portfolio prior to this and I am afraid this will prevent me from any future credit opportunities. This is an inaccurate reporting on my credit report and Consumer Reporting Agencies have a responsibility to report information to the best of their ability with maximum accuracy. I called these lenders and they could not confirm with me the legitimacy of these inquiries and I asked them to have them removed but they informed me this is the only way. I have tried to resolve this numerous times by beaching to both the creditors and the Credit Bureau. These inquiries I want 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these inquiries belong to me. If proof can not be provided I demand that these accounts be deleted from my Credit Report Immediately.

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 2024-03-16 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: Global Lending Services LLC
State: LA

Complaint narrative:
I have reviewed my Consumer Reports and noticed that I have Inquiries on account ( s ) that I do not recognize nor do I hold accounts for. I have kept a respectable credit portfolio prior to this and I am afraid this will prevent me from any future credit opportunities. This is an inaccurate reporting on my credit report and Consumer Reporting Agencies have a responsibility to report information to the best of their ability with maximum accuracy. I called these lenders and they could not confirm with me the legitimacy of these inquiries and I asked them to have them removed but they informed me this is the only way. I have tried to resolve this numerous times by beaching to both the creditors and the Credit Bureau. These inquiries I want 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these inquiries belong to me. If proof can not be provided I demand that these accounts be deleted from my Credit Report Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries were not authorized by me and I strongly suspect their validity. I urge you to conduct a thorough inquiry and promptly remove them from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
This is about a security concern I had with Affirm. I have a loan with them where I pay $ 22 monthly. However, on XX/XX/XXXX, I had my debit card blocked due to fraudulent activity from Affirm. I contacted my bank and found out they made charges on the following days for the following amounts : XX/XX/XXXX for {$630.00} ( 3 times ), XX/XX/XXXX for {$30.00}, XX/XX/XXXX for {$63.00}, XX/XX/XXXX for {$1900.00}. On XX/XX/XXXX they successfully take {$10.00}. My bill was supposed to be {$22.00} on the XX/XX/XXXX. My bank advised me that it was from Affirm and that they should contact them directly. I gave this information to Affirm on XX/XX/XXXX, but they did not contact my bank or give me any information about the threat. They simply said I should contact my bank for a charge back, not that they addressed the fraudulent issue. This response happened on XX/XX/XXXX and I responded on the same day. My bank gave me a new card to use and explained that if Affirm did this again, I would not receive a refund. So I have not been able to safely pay them, but they insist on sending me numerous calls, texts and emails saying they will report my account as delinquent. On XX/XX/XXXX I reported them to the Better Business Bureau, but they have continued the same pattern of harassment and ignoring my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
NCB management was supposed to send a debt valuation paper and I never received it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: PA

Complaint narrative:
I have been trying to get Carmax to report correctly on my consumer credit report for over 2 years now. Still my report is inaccurate, unverified and incomplete. 15 U.S. Code 1681i of the Fair Credit Reporting Act, which outlines the duties of furnishers of information upon notice of dispute. The item was never deleted, I have loss a career opportunity because of CARMAX negligent and willful noncompliance in reporting this account that's ALWAYS inaccurate. I have brought this matter to y'all attention before, CARMAX has never sent a single piece of evidence to prove they are reporting correctly. Please forward my complaint to the DOJ AND FTC if there is nothing the CFPB can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Over the course of 2 years, I have been going through the proper channels to repair my credit. I have requested for XXXX, XXXX and Experian to remove an account that was mislabeled as a foreclosure. After XXXX XXXX  made the mistake of reporting the account incorrectly, the bureaus took over a year to do the proper investigation. I have requested that XXXX XXXX  supply me with supporting documents and they have failed to do so and it has costed me my livelihood for my family and I. I have requested a re-investigation every 30 days since XX/XX/2022. 

I also have tracking numbers for certified letters. XXXX XXXX  will not respond and I have already lost my patience!

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 2024-03-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/, 2024 I noticed new inqurires has been added to my credit report that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please request evidence of this unresolved outstanding negative record

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 2024-03-16 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: VA

Complaint narrative:
I reviewed my consumers reports and noticed that I had a late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint on dates of XX/XX/2020. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attachment.

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 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please request evidence of this unresolved outstanding negative record

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: GA

Complaint narrative:
On XX/XX/2024 I noticed new inqurires has been added to my credit report that I have no knowledge of.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with explanation