vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Carvana Group, LLC
State: FL

Complaint narrative:
I bought a car from Carvana and was wrongfully terminated from my employment a couple of months later ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and eventually could not afford to make payments on the vehicle, registration TX license plate XXXX. I am no longer in possession of the vehicle but my credit report shows that I am in the amount due. Texas Asset Gatherings ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) said that they were going to tow the vehicle from my old address for repossession on XX/XX/XXXX via email. I tried to contact the company on XX/XX/XXXX after seeing no change on my credit report and the company no longer has a website, the phone has been disconnected, and email was returned. I made a complaint with the XXXX to try to resolve the issue and get proof of repossession to report to the credit bureaus. Since not knowing where the vehicle is I called to report the vehicle stolen and talked to XXXX. XXXX ( badge number XXXX ) with the XXXX XXXX XXXX XXXX XXXX around XXXX on XX/XX/XXXX ( ref. XXXX ) who told me that a stolen vehicle is " a civil matter ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
This account was deleted and added back this account need to be blocked I am writing TransUnion and Experian to delete certain credit accounts listed on my credit report, as I believe they were made fraudulently without my authorization. I have reason to believe that my personal information was compromised and used to make unauthorized credit inquiries. I am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C. 1681c-2 states if a breach is present accounts will be removed in 4 days if tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft and fraudulent activities. I have attached a copy of my FTC Identity Theft Report ( XXXX ) as evidence that my personal information was used fraudulently. The unauthorized credit accounts I am disputing are as follows : XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) The unauthorized credit This account were made without my knowledge or consent and should be removed from my credit file. As per the Fair Credit Reporting Act ( FCRA ), I am requesting that this be removed and blocked them 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 2025-02-17 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: MO

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. I need the problems fixed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Bankruptcy - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-17 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken.To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 



Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report. 
2.An updated credit report reflecting the corrected information. 
3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Their investigation came back as verified by XXXX XXXX and having requested my report from XXXX XXXX that information is false. I have attached two screenshots one of the verification method from Equifax and a screenshot from my XXXX XXXX Consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report. According to the Fair Credit reporting Act ( 15 U.S.XXXX 1681 ) I am requesting that all of the fraudulent and unauthorized information be removed. This is not my debt. The company is aware of the data breach and identity theft. The debt was removed and placed back on all of the credit agencies. I re-submitted the complaint and it was deemed a duplicate which it was not. I have reached out to XXXX XXXX several times as well as all three credit reporting agencies TRANSUNION, XXXX, AND XXXX but the matter has not been resolved according to Fair Credit reporting Act ( 15 U.S.C 1681 ). The collection is fraudulent and erroneous. I am requesting its immediate removal 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 2025-02-17 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: SC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX I am writing to request a reinvestigation on the following accounts that is reporting delinquent on my credit file. 

Account 1 XXXX XXXX Date opened : XX/XX/XXXX Account Type : Installment Account Loan Type : Automobile Balance : {$4500.00} Account Statues : Charge Off Account 2 XXXX XXXX Date Opened : XX/XX/XXXX Loan Type : Credit Card Balance : {$5300.00} Account Statues : Charge off Per IRS Publication 4681, Canceled Debts/Charge off is considered income that needs to be file on my taxes and should not be reported on my credit file as a debt. Please update as paid in Full. 

I am requesting proof of the investigation please provide : Name of empolyee spoken to Date of investigation what information was given Please see attached IRS Form 1099B that was filed for the above accounts proving the account has been Discharged. attached also is response letter from XXXX XXXX XXXX XXXX stating Account 1 has been paid as agreed.

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 2025-02-17 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: 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XX/XX/2024 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnished any information relating to a consumer to 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 2025-02-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a XXXX Business CD ( business name XXXX XXXX  XXXX XXXX on XX/XX/year>, amounting to {$40000.00} with interest rate 3.5 % at Chase Bank office using their agent XXXX XXXX XXXX During opening, he stated that there was a system error which opened the accont with 0.01 % but confirmed that the system error would be automatically fixed during the weekend. 

On XX/XX/year>, the error was not corrected. I visited the branch and they filed a correction request with the approval of manager XXXX XXXX XXXX and promised a resolution time of XXXX business days. 

I visited the branch again on XX/XX/year> and requested the bank that either the account to be closed or interest error is fixed. They said closing the erroneous account would cost in over {$400.00} in penalties and promised to either fix the interest or request a waiver of fees. 

I visited the branch multiple times, during which XXXX XXXX XXXX assured me that the issue is escalated to very high level management. 

Today is XX/XX/year>, half of the CD 's maturity is over and the interest rate is still not fixed as promised. In every step of the process, the bank mispresented the facts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
Orginal lender account was set up auto payments. Then with XXXX i continued to make payments then account was sold and account went into deferred payments because of government made a new forbance or extenstion and my auto payments halted and i was removed of the autopayments with XXXX without my knowledge. Then i had been showing current uptil XX/XX/year> with no contact or communication from lender. Then i was reported XX/XX/year> as XXXX XXXX past due to the credit bureau.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Orginal lender account was set up auto payments. Then with XXXX i continued to make payments then account was sold and account went into deferred payments because of government made a new forbance or extenstion and my auto payments halted and i was removed of the autopayments with netnil without my knowledge. Then i had been showing current uptil XX/XX/year> with no contact or communication from lender. Then i was reported XX/XX/year> as 90 days past due to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Orginal lender account was set up auto payments. Then with covid i continued to make payments then account was sold and account went into deferred payments because of government made a new forbance or extenstion and my auto payments halted and i was removed of the autopayments with netnil without my knowledge. Then i had been showing current uptil XX/XX/year> with no contact or communication from lender. Then i was reported XX/XX/year> as 90 days past due to the credit bureau.

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 2025-02-17 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: NY

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
I recently reviewed a copy on my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thak you. 

XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation