vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-02 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-02 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: NJ

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-01-02 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax XXXXXXXX XXXX XXXX XXXX for Inaccurate Reporting Violation of 15 U.S. Code 1681s2, 1681, and 1681i Dear Sir/Madam, I am writing to file a formal complaint against Equifax for their continued reporting of inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to correct these errors, Equifax has failed to adhere to their statutory responsibilities under 15 U.S. Code 1681s2, 1681, and 1681i. 

The issues involve inaccurate reporting of XXXX XXXX XXXX XXXX account, which shows " settled Violation of 15 U.S. Code 1681s2 ( a ) : Equifax continues to report information that is inaccurate. This account is not a Collection account anymore. I confirmed this with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is sending a dispute to Equifax to correct this information. # case XXXX. Equifax knows this account is inaccurate but continues to report inaccurate information. 

I have formally notified Equifax and the furnisher of the disputed inaccuracies. Despite this, the errors remain uncorrected. 

Violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ) : Equifax has been notified at the address they specified for disputes that the reported information is inaccurate. However, the information continues to appear in my credit file without correction. 
Violation of 15 U.S. Code 1681i : Equifax has failed to conduct a reasonable investigation into my dispute and has not promptly deleted the inaccurate information from my credit file as required by law. 

These violations undermine the fundamental principles outlined in 15 U.S. Code 1681, which aim to ensure the accuracy and fairness of credit reporting for the benefit of consumers and the banking system.

I respectfully request that the FTC investigate this matter and take appropriate enforcement action to ensure compliance with federal law. Inaccurate credit reporting severely impacts consumers like me, leading to financial and reputational harm.

Enclosed are the following supporting documentation A copy of my credit report highlighting the inaccuracies.

Thank you for your attention to this serious matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Stenger & Stenger, P.C
State: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against Stenger & Stenger , P.C for violations of the Fair Debt Collection Practices Act ( FDCPA ). 
Failure to Disclose Terms : Stenger & Stenger , P.C failed to inform me that the agreement I entered into involved a consent judgment. I was led to believe it was a simple payment plan. 
Failure to Provide Documentation : Despite my requests, they have not provided documentation to validate the debt or confirm the agreement. 
Improper Handling of Legal Proceedings : A judgment was entered against me without proper explanation or an opportunity to defend myself. 

I request that CFPB investigate this matter and ensure compliance with FDCPA regulations. These calls with this provider were recorded and I was able to record XXXX myself Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: MO

Complaint narrative:
According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. Please remove this information from my credit report. According to FCRA section 605b it is illegal to report information on my credit report without my permission. Please remove from my credit report. I am not liable for the debts with XXXX XXXX XXXX. I do not have contracts with XXXX XXXX XXXX and they did not provide me with the original contracts as I requested with my wet signature and ID verification. AGAIN, PLEASE PROVIDE ME WITH THE ORIGNAL CONTRACT ( S ) WITH MY WET SIGNATURE AND ID VERIFICATION BETWEEN MYSELF AND XXXX XXXX XXXX. IF YOU CAN NOT PROVIDE THESE CRITICAL PIECES OF INFORMATION, THEN PLEASE DELETE FROM MY CREDIT REPORT. 

I have proof attached where XXXX deleted this from my credit because of the above. Please do the same and remove this from my TransUnion 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 2025-01-02 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2025-01-02 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am filing this complaint against XXXX, XXXX, and Equifax for their failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX mortgage account ( # XXXX ). Despite submitting two prior dispute requests on XX/XX/XXXX and XX/XX/XXXX, the credit bureaus have neglected to make the necessary corrections, resulting in a continued violation of my federally protected consumer rights. 
Discrepancies : Last Verified : Only appears in XXXX. 
Last Day of Activity : Different dates across XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). 
Closed Date : Reported only by XXXX as XX/XX/XXXX ; missing in XXXX and Equifax. 
Account Rating : Listed as " Closed '' in XXXX, but " Paid '' in XXXX and Equifax. 
Account Status : Reported as " Closed '' across all bureaus.

Payment Status : Reported as " Late 60 Days '' across all bureaus. 
Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of information in consumer files. My repeated disputes have not been adequately investigated or corrected. 
15 U.S. Code 1681b : The reporting of inaccurate late payments violates my right to privacy and ensures only accurate data is furnished to third parties. 
Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the due date to avoid late fees. The reported late payments indicate a failure to comply with this requirement. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, which appears to have been neglected. 
Impact of Errors : These inaccuracies have caused undue harm to my creditworthiness, including potential denial of credit opportunities and higher interest rates. 
Desired Resolution : Immediate removal of the late payment notations ( XXXX and XX/XX/XXXX ) from my credit report across all three credit bureaus. 
Written confirmation from XXXX, XXXX, and Equifax verifying the corrections. 
I have attached supporting documentation, including copies of previous dispute letters and my credit reports highlighting the inaccuracies. If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for addressing this matter. Please confirm receipt of this letter and inform me of any actions taken to resolve my complaint. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am filing this complaint against XXXX, XXXX, and Equifax for their failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX mortgage account ( # XXXX ). Despite submitting two prior dispute requests on XX/XX/XXXX and XX/XX/XXXX, the credit bureaus have neglected to make the necessary corrections, resulting in a continued violation of my federally protected consumer rights. 
Discrepancies : Last Verified : Only appears in XXXX. 
Last Day of Activity : Different dates across XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). 
Closed Date : Reported only by XXXX as XX/XX/XXXX ; missing in XXXX and Equifax. 
Account Rating : Listed as " Closed '' in XXXX, but " Paid '' in XXXX and Equifax. 
Account Status : Reported as " Closed '' across all bureaus.

Payment Status : Reported as " Late 60 Days '' across all bureaus.

Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of information in consumer files. My repeated disputes have not been adequately investigated or corrected.

15 U.S. Code 1681b : The reporting of inaccurate late payments violates my right to privacy and ensures only accurate data is furnished to third parties.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the due date to avoid late fees. The reported late payments indicate a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, which appears to have been neglected.

Impact of Errors : These inaccuracies have caused undue harm to my creditworthiness, including potential denial of credit opportunities and higher interest rates. 
Desired Resolution : Immediate removal of the late payment notations ( XXXX and XX/XX/XXXX ) from my credit report across all three credit bureaus. 
Written confirmation from XXXX, XXXX, and Equifax verifying the corrections. 
I have attached supporting documentation, including copies of previous dispute letters and my credit reports highlighting the inaccuracies. If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for addressing this matter. Please confirm receipt of this letter and inform me of any actions taken to resolve my complaint. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
I have reached out to the company DISPUTED the charge I have provided sworn affidavits and all required information to effectively dispute the charge and invalidate the claim XXXX continues to report this on my report XXXX is in breach of contract and failing to follow FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OK

Complaint narrative:
I have reviewed my credit reports and do not recognize these two items and believe them to be identity theft. I have attempted to contact the companies and they have nt acted to delete the incorrect and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
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: PA

Complaint narrative:
In XXXX of XXXX, my legal name changed. On XX/XX/XXXX, I began the process of changing my name on my name on my title. I went to XXXX XXXX XXXX, and under 'title services ' under my account, I selected 'name change. ' I submitted all required information and documents. 

I was sent an email that stated : " We've started the process and are currently waiting to receive the vehicle 's title from your state. Please allow XXXX weeks for the title to be received. Upon receipt of the title, we will send the required documentation to your state within XXXX ( XXXX ) business days. This entire process can take XXXX weeks to complete. '' On XX/XX/year>, I received another email repeating the previous email : " We've started the process and are currently waiting to receive the vehicle 's title from your state '' By XX/XX/XXXX -- around the time I called to inquire about my name change -- the 'name change or removal ' page on XXXX had shown " Congratulations! Your name change or removal request has been completed and we have received your new title. '' I called the customer service line, and an agent informed me that my title had been mailed off to my local XXXX, and that it would take a few days to complete. 

On XX/XX/year>, there was still no proof of a completed name change on my title. So I called Hyundai Finance customer service again. The first person I spoke to said my name change had NOT been completed, and that they would re-submit the request again and it would be done in about XXXX days by the accounts team. He gave me the tracking number of the title that was mailed ( XXXX  tracking number can be provided ), and I promptly looked it up, noticing that the mail was marked as 'returned to sender. ' ( XXXX return tracking number can be provided ) Afterward, they escalated my call to an escalation agent. This escalation agent confirmed with me that XXXX XXXX has all the documentation necessary to change my name, and was perplexed as to why my title had not been changed to reflect my new legal name ( I asked them to check ). She offered to submit a complaint on my behalf ( complaint number can be provided ). I was told an agent would call me in a few days. 

On Friday XX/XX/XXXX the agent left me a voicemail. I attempted to call back on the following Monday XX/XX/XXXX and left a voicemail asking for a call back. On subsequent call attempts, I have been unable to reach this agent. I receive Busy signal or straight to voicemail. 

XXXX XXXX has been unable to resolve what should be a straightforward name change, and this means I can not change the name on vehicle registration with my state 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