vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
Upon reviewing my credit report, I have identified several discrepancies regarding my GM Financial account : Limit Discrepancy : The limit is listed as " {$0.00} '' across all bureaus, which could be an error. Typically, an account such as this should have a reported limit or balance, and " {$0.00} '' does not provide accurate information about the account 's status. 
Past Due Information : XXXX and XXXX both report Past Due 30 Days as " XXXX '', while XXXX shows the same. However, Past Due 60 and 90 Days are reported as " XXXX  '' across all bureaus, indicating no overdue payments in those periods. Activity Dates : There are inconsistencies in the last activity dates : XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX. These discrepancies in reported activity dates may indicate outdated or incorrect information. Last Verified and Reported Dates : The " Last Verified '' fields are blank for XXXX and XXXX, while XXXX reports it as XX/XX/XXXX. The " Last Reported '' dates also vary across bureaus, with XXXX showing XX/XX/XXXX, while XXXX and XXXX show XX/XX/XXXX. 
Date of Last Payment : XXXX and XXXX report the " Date of Last Payment '' as blank, while XXXX reports it as XX/XX/XXXX. This inconsistency could impact the accuracy of the accounts history.These discrepancies in limit reporting, payment status, activity dates, and verification information raise concerns about the accuracy and consistency of the reporting across the bureaus. I am requesting that you provide verifiable proof of this account 's information or promptly update the account to reflect accurate and consistent reporting across all bureaus. If no documentation can be provided to support these entries, I expect the account to be corrected and updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department of Education XXXX Department of Education XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ALL ACCOUNTS HAVE VIOLATED MY RIGHTS... 
15U

.S.C. 1681 SECTION 602A. STATES ; I have a right to privacy.

15U.S.C. 1681 SECTION 604A SECTION 2. States ; A Consumer reporting Agent can not furnish an account without my written instructions.

15U.S.C. 1681c. ( a ) ( 5 ) states ; no Consumer Reporting Agent may make any Consumer Reporting Containing any of the following items of records of any information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C. 1681s-2 ( A ) ( 1 ) states ; a person shall not furnish any information relating to a Consumer Reporting Agency if the person knows or has any reason to believe that the information is 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 2024-12-07 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Department of Education XXXX Department of Education XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL ACCOUNTS HAVE VIOLATED MY RIGHTS...

15U.S.C. 1681 SECTION 602A. STATES ; I have a right to privacy.

15U.S.C. 1681 SECTION 604A SECTION 2. States ; A Consumer reporting Agent can not furnish an account without my written instructions.

15U.S.C. 1681c. ( a ) ( 5 ) states ; no Consumer Reporting Agent may make any Consumer Reporting Containing any of the following items of records of any information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C. 1681s-2 ( A ) ( 1 ) states ; a person shall not furnish any information relating to a Consumer Reporting Agency if the person knows or has any reason to believe that the information is 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 explanation
Consumer complaint received 2024-12-07 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: MI

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  XXXX Account Number : 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 2024-12-07 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: MI

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XX/XX/XXXXAccount Number : XXXX XXXX Account Number : XXXXXX/XX/XXXXXXXX Account Number : XXXXXX/XX/XXXXXXXX Account Number : XXXX Experian : XXXX XX/XX/XXXXAccount Number : XXXX XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXXXXXX Account Number : XXXX XX/XX/XXXXXXXX Account Number : XXXXXX/XX/XXXXXXXX Account Number : XXXXXX/XX/XXXXXX/XX/XXXXAccount Number : XXXX XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX XXXXXX/XX/XXXXXXXX Account Number : XXXXXX/XX/XXXXXXXX Account Number : 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 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I noticed fraudulent activity on my account. I called the bank to file a dispute against the fraudulent charges. The bank at that time said the account would have to be closed and I would have to open a new account for them to transfer the funds to that account and they would overnight a new debit card so I could have access to my funds. That evening XXXX  I received a text message saying that I had to call them because the address couldn't be confirmed. They then said they would overnight another card, same thing happened, I received a text message that night saying the card couldn't be sent because I had to call to verify the address. Now tonight, XX/XX/year>, I received yet another text message saying the card can't be sent because the address has to be confirmed. This bank is jerking me around and I want my money, there is thousands of dollars in that account that I have no access to be able to get. I asked them if there was any other way for me to get my funds, I was told no. I want my money. These type of banks should not be able to XXXX people like this!!!!!!!!!

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 2024-12-07 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 am filing this complaint regarding unprofessional conduct and potential misuse of my personal information by a real estate agent. During the leasing process for a rental property, the agent collected my Social Security Number ( SSN ), stating it was solely for verifying lease eligibility. However, I later discovered my SSN was used at a car dealership without my knowledge or consent. I have never been to or authorized dealings with this dealership. The agent mentioned that the landlord owns a dealership in XXXX, which raises serious concerns that my SSN may have been misused or shared without authorization.

The agents actions, including the potential misuse of my SSN, improper communication, failure to fulfill her obligations, and neglect of the propertys condition, demonstrate a severe lack of professionalism. I request that the XXXX investigate this matter thoroughly and take appropriate actions to hold the agent accountable for her misconduct.

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 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MORGAN STANLEY & CO. LLC
State: NY

Complaint narrative:
they have done the three-way call to verify my account but refuse to issue me a check. they asked me to apply to activate the account, but keep telling me that the application is under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Federal Trade Commission XXXX XXXX XXXX XXXX Washington , DC XXXX Subject : Inaccurate Credit Reporting by Equifax Dear CFPB and FTC, I am writing to formally address a concerning issue regarding my credit report as reported by Equifax. I have noticed that Equifax has been reporting false and misleading information across different scoring models. 

Upon reviewing my credit reports from XXXX and XXXX, I found that there is no XXXX XXXX XXXX XXXX account listed. If the reporting from XXXX XXXX XXXX were accurate, this account should be reflected across all three major credit bureaus. 

I am also including a copy of my Equifax credit report obtained from XXXX for your review. It is clear that Equifax has violated the provisions outlined in 15 U.S. Code 1681, specifically regarding the accuracy and fairness of credit reporting. 

I kindly request that the CFPB take appropriate action to ensure that the inaccurate XXXX XXXX XXXX XXXX account is removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have made attempts to dispute the debt own on this account to be inaccurate and incomplete. This item was purchased by a third-party debt collector, Portfolio Recovery Associates . I have no written contract with them to pay this debt. The amount displayed on my credit report is incorrect and was paid for less than owed, by the third-party debt collector. The question is how much did the collection company ; Portfolio Recovery Assoc. pay for this item? I don't know and neither does my credit report reflect such an amount. I am exercising my rights, because this is clearly a violation of the FCRA, section 609 and 611. It is not accurate nor is it complete. Therefore, this must be DELETED IMMEDIAELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$8800.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiry : XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$8800.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiry : XXXX XXXX - XX/XX/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 2024-12-07 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: CA

Complaint narrative:
Upon examining my recent credit report, I identified multiple accounts that appear to have been added without my consent. I request their immediate removal and blocking.

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 2024-12-07 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX  - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was shocked to see unauthorized inquiries appear on my credit report today for no apparent reason. While reviewing my credit report as I normally do, I discovered discrepancies that I could not explain. Hoping it was a browser glitch, I refreshed the page, but the inquiries were still there. This has caused me immense frustration, and I am urgently asking for the documents I provided to be reviewed carefully to resolve this once and for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief