vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Against TransUnion for Failing to Properly Investigate Disputed Collection Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against TransUnion for its repeated refusal to properly investigate and remove an inaccurate collection account reported by XXXX XXXX XXXX XXXX This collection, originally placed by XXXX XXXX XXXX XXXX XXXXXXXX, does not belong to me and has been confirmed as an error by the original creditor. 

Despite providing TransUnion with evidence of this mistake and requesting a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ), they continue to report the erroneous collection on my credit file. Under the FCRA, TransUnion is obligated to investigate disputed items on a consumers credit report. Specifically : 1. **Under FCRA Section 611 ( a ) ( 1 ) ( A ) **, credit reporting agencies ( CRAs ) must conduct a reasonable investigation when a consumer disputes the accuracy of any item in their credit file.

2. **Under FCRA Section 611 ( a ) ( 5 ) ( A ) **, if an item can not be verified, it must be deleted promptly from the consumers credit report.

TransUnion 's failure to perform its duties under these sections of the FCRA is negatively impacting my creditworthiness and financial standing.

I have made several attempts to resolve this matter directly with TransUnion, providing all relevant documentation, but they have not taken appropriate action to remove this erroneous item. I respectfully request the CFPBs intervention in ensuring that TransUnion complies with the requirements of the FCRA, conducts a proper investigation, and removes the inaccurate collection from my credit report.

I have attached a copy of the letter I mailed to TransUnion that they have not responded to.

Thank you for your attention to this important issue. I look forward to your prompt response and assistance. 

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 non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
NAME ON LEASE : XXXX XXXX XXXX ACCOUNT NO. : XXXX VEHICLE : XXXX Hyundai XXXX XXXX XXXX XXXX XXXX : XXXX CAR PAYOFF WAS DONE PER BELOW : Dear XXXX XXXX XXXX XXXX Pursuant to your request, we are pleased to provide you with the following quote of the amount necessary to exercise the purchase option under the terms of your lease agreement : Unpaid Lease Payments due through : XX/XX/XXXX Unpaid Late Fees : {$0.00} Other Amounts Due : {$0.00} Adjusted Unpaid Lease Balance : {$21000.00} Sales Tax : {$1900.00} Less : Security Deposit {$0.00} Total Purchase Price : {$22000.00} HYUNDAI WAS ADVISED MONTHS IN ADVANCE I HAD A NEW ADDRESS IN NEVADA AND I PERFORMED THIS ONLINE WITH HYUNDAI MORE THAN ONCE PRIOR TO MY SENDING HYUNDAI THE FULL {$22000.00} SHOWN ABOVE BUYING THE CAR OFF THE LEASE END OPTION. 

HYUNDAI AS YOU CAN SEE ABOVE CHARGED ME THE LEASE END SALES TAX IN THE AMOUNT OF {$1900.00}. HYUNDAI OWES EITHER CALIFORNIA OR NEVADA THIS SALES TAX AMOUNT, HYUNDAI HAS ACCORDING TO CALIFORNIA NEVER PAID THEM THIS {$1900.00} SALES TAX THAT I PAID HYUNDAI.

HYUNDAI SAYS THEY SENT THE TITLE TO XXXX XXXX OF MINE THAT WAS AN OLD ADDRESS DESPITE MY HAVING ONLINE CHANGED MY ADDRESS TO NEVADA, XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX XXXX XXXX NEVADA XXXX XXXX 

I HAVE REGISTERED THE CAR IN NEVADA AND IT HAS GOOD LICENSE TAGS BUT NEVADA WILL NOT ISSUE ME A TITLE AS IT SHOWS CALIFORNIA HAS NOT BEEN PAID OFF BY HYUNDAI FOR THE SALES TAX. 

I HIRED AN OUTSIDE XXXX AGENCY IN XXXX XXXX, ASAP SERVICES, WHO HAS ATTEMPTED TO GET CALIFORNIA TO ISSUE ME A RPLEACMENT TITLE SO I CAN GET A NEVADA TITLE BUT XXXX XXXX DEMANDS THE SALES TAX HYUNDAI HAS FIALED TO PAY THEM.

IN CONCLUSION, HYUNDAI, ONCE AGAIN, HAS FAILED TO DELIVER TITLE TO A FULLY PAID LEASE WIT HLEASE END BUYOUT AS HYUNDAI WILL ADMIT. I HAVE SPOKEN WITH HYUNDAI OVER AND OVER BUT ALL THEY CAN SEND ME IS A BILL OF SALE WHICH DOES NOT GET ME A TITLE. HYUNDAI SENT THE TITLE TO AN OLD ADDRESS, AS THEY CLAIM, AND IT WAS NEVER FORWARDED AND THE CALIFORNIA LANDLORD HAS NEVER SEEN THIS ALLEGED DELIVERY TITLE.

HYUNDAI IS FULLY PAID AND I AM WITHOUT A TITLE STILL.

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 2024-09-05 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: TX

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 confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-09-05 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: TX

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 confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: GA

Complaint narrative:
Upon reviewing my latest credit report, I found several accounts that appear fraudulent and were added without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXXXXXX XXXX XXXX  is reflecting negative late payments on my credit report. Stated below I have attached the laws that DO NOT state that they are allowed to report late payments on my credit report. This is a closed paid in full loan. And I would like the late payments to be reversed on my credit report as they are reporting negativity. 
15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( 0 ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2024-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX is reflecting negative late payments on my credit report. Stated below I have attached the laws that DO NOT state that they are allowed to report late payments on my credit report. This is a closed paid in full loan. And I would like the late payments to be reversed on my credit report as they are reporting negativity. 
15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( 0 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXXXXXX XXXX XXXX is reflecting negative late payments on my credit report. Stated below I have attached the laws that DO NOT state that they are allowed to report late payments on my credit report. This is a closed paid in full loan. And I would like the late payments to be reversed on my credit report as they are reporting negativity. 
15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( 0 ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2024-09-05 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: NJ

Complaint narrative:
I am writing to notify you that I have been a victim of identity theft, which has led to several fraudulent entries on my credit report. These 7 accounts and 3 inquiries were added without my knowledge or consent. 

ACCOUNTS XXXX. XXXX XXXX XXXX. XXXX 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 XXXXXX/XX/XXXX I have already filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft, and I am requesting the immediate removal of these fraudulent items to ensure the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: Experian Information Solutions Inc.
State: TX

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 confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX i was denied a credit application for a new vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: FL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: FL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified 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 2024-09-05 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: FL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified 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 non-monetary relief
Consumer complaint received 2024-09-05 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: IN

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-05 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This complaint is against Equifax. 

Since 2017, following their data breach, I have instituted a credit freeze with Equifax. Supposedly, it is possible to manage this freeze online. In actual fact, having created such an account in 2017, I have never once been able to successfully use it. 

Attempting to sign in, create a new account, reset a password, or perform any other operation directs and has always directed me to the same generic error screen which reads as follows : Please give us a call We can't complete your request at this time.

Please call the Customer Care team [ phone number ] Despite the impression given by this error that a temporary problem has occurred, I have for years been forced to wait on hold for extended periods of time to accomplish anything at all with Equifax. I can accomplishand have always been able to accomplishthe same things in a matter of a few minutes on the websites of every one of Equifax 's credit reporting competitors.

Perhaps this is a real error that has somehow persisted for seven yearsan eternity in terms of information systems. Perhaps it is a deliberate attempt to make credit freezes unduly burdensome so that consumers don't use them. In either case, attempts to resolve this problem with Equifax have been repeatedly ignored. To my recollection they have never even acknowledged that the persistence of this same error over the course of the better part of a decade is unusual.

Company response to consumer: Closed with explanation