vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 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: TX

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: PA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-08 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: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My check began to be garnished in XXXX and the amount was paid off in full in XXXX. I contacted my lawyer about not receiving the letter I needed to provide to my HR to stop garnishing my check. The lawyer spoke with them and said they sent it to the wrong address. I called and spoke with someone at PORTFOLIO RECOVERY ASSOCIATES , LLC, and they informed me that they already had my current address before my lawyer called them to correct my address and was sure why they sent it to the wrong address. I still haven't received the letter for the PORTFOLIO RECOVERY ASSOCIATES , LLC,.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: TX

Complaint narrative:
XXXX XXXX XXXX  XX/XX/XXXX {$18000.00} Closed Overview You have 0 % left to pay on this loan. 
Balance : {$18000.00} Highest balance : Account details Account Number XXXX Account Status Charge Off Open Date XXXX XXXX, XXXX Last Activity XX/XX/XXXX Type Responsibility Individual Remarks Charged Off Account Times XX/XX/XXXX Days Late XX/XX/XXXX Month 's Reviewed XXXX Terms Count XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Current Payment Status Collection/Chargeoff Amount Past Due Payment history XXXX made 2 % of payments for this account on time. 
Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession or foreclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account ID : XXXX Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX  Account ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-10-08 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:
XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer and Miscommunication : The account was transferred and there was a delay in processing the transfer. Any late payments that were reported during this period should not have occurred as I was under the impression that the account was in transition, which can be confirmed through payment records. 
Payment Processing Delays : There may have been a miscommunication between XXXX and the servicer during the transition. I had initiated payments during the normal billing cycle, which are reflected in my transaction history prior to the account transfer. This delay should not have resulted in a 120-day late payment.

System Error in Reporting : I had already raised a dispute, which was marked as resolved. However, the XXXX late payment still remains inaccurately on my credit report with TransUnion, indicating that the dispute was not appropriately resolved. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


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


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 2024-10-08 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I had a credit card through XXXX XXXX XXXX that became part of a debt consolidation program with XXXX XXXX in XXXX. The card was in my name only. In XXXX, we decided to sell my car that was financed through XXXX XXXX XXXX and was a joint loan with my husband so we could avoid any further debt. I sold the car to XXXX and requested a 10-day payoff email with details for the sale from XXXX. Sale was completed on XX/XX/XXXX. I received a small overage payment from XXXX and they were to pay the loan off in 5-7 business days. I noticed the loan still listed in my account 2.5 weeks after the sale and called to inquire on the status. XXXX informed me the check XXXX sent was returned to them because it didnt include the credit card payoff. They told me they hadnt spoken to XXXX XXXX since XXXX but when I had called them, they said they contacted them as recently as XX/XX/XXXX! I was assured by XXXX XXXX they would recontact them to ensure the release of my title. As of today, I am told XXXX is not negotiating in my best interest, my car loan is affecting my credit score and I have XXXX still waiting to receive the title for the car now in their possession.I believe this qualifies as a UDAAP violation. I was not notified of this requirement in the instructions for payoff/title transfer, I was not notified the check had been returned to XXXX and this is an individual account holding a joint account hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: CarMax, Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of an auto loan by CarMax Auto Finance under account number XXXX. The account is currently reported as charged off with a balance of {$14000.00}, but this reporting fails to reflect the full context of the situation. The account is subject to an arbitration appeal, which is still ongoing, due to issues with faulty merchandise related to the vehicle. The delinquency and subsequent charge-off stem from my inability to resolve the matter with CarMax due to defects in the product.

Additionally, CarMaxs reporting fails to account for a possible repossession, which should be reflected in my credit report but is currently missing. The incorrect reporting of the charge-off, without acknowledging the ongoing arbitration or repossession, is severely damaging my credit score and hindering my ability to obtain credit and secure housing. 

I have included a consumer statement on my credit report explaining that the delinquency is due to faulty merchandise, and I am awaiting the outcome of arbitration. However, despite this, CarMax continues to report this account as a charge-off, further worsening my credit. 

Actions I Have Taken : I have attempted to resolve the issue with CarMax directly, but the dispute remains unresolved due to the ongoing arbitration appeal. 
Despite the arbitration, CarMax continues to report the account as charged off, without noting the arbitration status or including any repossession information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is intentionally keeping my credit score. I filed a complaint with them recently, and instead of resolving the issue, they ( once again ) ask me to verify who I am. I mailed them documentation in XX/XX/year>2023. The attachments are documents Equifax requested. I emailed them to myself and then sent them to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-08 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: GA

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of an auto loan by XXXX XXXX XXXX under account number XXXX. The account is currently reported as charged off with a balance of {$14000.00}, but this reporting fails to reflect the full context of the situation. The account is subject to an arbitration appeal, which is still ongoing, due to issues with faulty merchandise related to the vehicle. The delinquency and subsequent charge-off stem from my inability to resolve the matter with XXXX due to defects in the product. 

Additionally, XXXX reporting fails to account for a possible repossession, which should be reflected in my credit report but is currently missing. The incorrect reporting of the charge-off, without acknowledging the ongoing arbitration or repossession, is severely damaging my credit score and hindering my ability to obtain credit and secure housing. 

I have included a consumer statement on my credit report explaining that the delinquency is due to faulty merchandise, and I am awaiting the outcome of arbitration. However, despite this, XXXX continues to report this account as a charge-off, further worsening my credit. 

Actions I Have Taken : I have attempted to resolve the issue with XXXX directly, but the dispute remains unresolved due to the ongoing arbitration appeal. 
Despite the arbitration, XXXX continues to report the account as charged off, without noting the arbitration status or including any repossession information.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT INC. Is reporting an Open balance of XXXX. And I have never open an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: MI

Complaint narrative:
I filed a dispute with the Consumer Financial Protection Bureau ( CFPB ) against Michigan XXXX XXXX XXXX regarding their reporting on my Equifax and XXXX credit reports on XX/XX/year>2024. It is now XX/XX/year>, and I have not received any response or update regarding my dispute. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ), credit reporting agencies and furnishers are required to conduct a reasonable investigation into disputed information within 30 days. Michigan XXXX XXXX XXXX failure to respond and investigate within this legally mandated timeframe is a violation of their obligations under the FCRA. 

Moreover, under FCRA 607 ( b ), both credit reporting agencies and furnishers must ensure the accuracy of the information they report. By failing to respond to my dispute, Michigan XXXX XXXX XXXX is not only violating my rights as a consumer but also breaching their responsibility to report accurate information. Furthermore, both XXXX and Equifax are noncompliant as well, as they are obligated under FCRA 602 ( a ) to provide consumers with fair and accurate credit reporting. Their continued reporting of this disputed information without proper investigation undermines the consumer protection laws designed to ensure accurate reporting.

Additionally, FCRA 616 establishes that if a credit reporting agency or furnisher willfully fails to comply with the requirements of the FCRA, they may be liable to the affected consumer for actual damages, punitive damages, and attorneys fees. The lack of response and action from Michigan XXXX XXXX XXXX, XXXX, and Equifax suggests a willful disregard for their responsibilities under the FCRA. This delay and lack of response from all parties involved indicate that they are engaging in unlawful business practices by not adhering to the FCRA 's requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"

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 2024-10-08 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: PA

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-10-08 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: PA

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I opened a Affirm.com account in XX/XX/year>. I paid my bill entirely within a few months and in XX/XX/year>2024 requested my account be closed. They told me due to technical difficulties they were not able to close my account. I spoke to a supervisor on numerous occasions and still get the same story after almost 3 months. I owe nothing to this company and I want the account closed.

Company response to consumer: Closed with explanation