vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2024-02-12 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: NY

Complaint narrative:
XXXX XXXX AUTO FIN XXXX CREDIT ACCEPTANCE XXXX XXXX AUTO XXXX XXXX MOTORS XXXX XXXX XXXX XXXX XXXX NOWCOM/HOUSTON AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SMART CHOICE XXXX TEXAS AUTO XXXX NOWCOMWESTLAKE FINANC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL XXXX XXXX ALLY FINANCIAL XXXX XXXX CREDIT/CLASSIC XXXX XXXX XXXX XXXX NA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: PA

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
The company LNVN Collection brought the debts. The XXXX XXXX has written off the debt. They put it on all three credit report. There never had the original paperwork and all never of my original payment ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Requested for the old closed account to be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: FL

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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

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 2024-02-12 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: NJ

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 non-monetary relief
Consumer complaint received 2024-02-12 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected from erroneous reporting in my file are listed on my credit report 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 non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I'm disputing these accounts on my credit report due to identity theft. I've reported it to the authorities, and now I'm asking your bureau to cooperate, investigate, and remove these fraudulent accounts to avoid legal action, as other bureaus and creditors have already acknowledged and addressed the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I originally reached out XXXX XXXX 2023 reporting the inaccuracies on my account and providing a FTC identity theft report for the creditor. I was told a drivers license was required to complete the process but you have not shown proof of the drivers license presented at the time. FTC reports nearly 9 billion dollars lost to fraud each year. That number is not fictional. My identity theft report was not taken seriously, and when given the opportunity, the " comments '' section was not updated as " identity theft '', nor was there any acknowledgement of my dispute. Attached are the responses from the original creditor alleging I provided a drivers license, which can be obtained illegally by criminals wishing to steal someone's identity. What's more is the account alleged to be mine isn't even reporting accurately. How can a person pay 94 % of payments on time while simultaneously reporting 0 % payments made ( all payments missed )? This is not ok, this is not legal, and should be fixed ( deleted from my account. ) Equifax reports 94 % of payments made on time whereas XXXX reports 0 % of payments made on time. XXXX 's payment history is void yet reporting as open, the same as the Equifax report which has the 94 % payment history. All of this will be highlighted in the attached .pdf document for easy viewing. I have waited a year and disputed this multiple times with a paper trail being left in my favor. Depending on the outcome of this dispute, please understand that I am intending to sue if my report is once again neglected. please see the attached images and files for context.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. 

Account name : XXXX XXXX Acct # XXXX 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.

15U.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. 

These inaccuracies are stopping me from getting a house for my family and car for kids.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Please refer to my previous complaints. 

Regardless of my supposed election for electronic statements ( in XXXX, when my loan was transferred in XXXX! ), it is Mr. Cooper 's responsibility to ensure that consumers are able to access their account statements online. I attempted on several occasions to access my account online through Mr. Cooper 's website. However, Mr. Cooper 's website was apparently hacked conveniently around the same exact time that my loan was transferred from Homepoint to Mr. Cooper. When I attempted to create a new account or even visit Mr. Cooper 's website I was met with either their website not loading at all or receiving an error message that their site was " Under Construction. '' My original complaint was in response to the inaccurate credit reporting by Mr. Cooper, so I didn't think it was necessary to explain to them that their website wasn't working, which they're clearly aware of because they've now added a message at the top of their website notifying users of the cyber attack. 

I didn't realize that my statements were changed to electronic and had no idea that my escrow account was short, requiring that I increase my payments because I NEVER RECEIVED ANY NOTICES! For some reason unbeknownst to me and logic, Mr. Cooper is perfectly capable of sending notices via mail if it's in response to a complaint through the CFPB, but they can't mail a simple escrow statement. To date Mr. Cooper still hasn't mailed a copy of the notice about my escrow shortage, even though I've requested everything to be sent to me in writing on two separate occasions now! They also haven't mailed copies of their response letters to my complaint! 

Please provide a contact for my attorney to follow up with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: NJ

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX  XXXX XXXX/2022 XXXX  XXXX/2022 XXXX XXXX XXXX2022 XXXX XXXX XXXX/2022 XXXX XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXX XX/XX/2022 XXXX-XXXX XXXX XXXXXXXX/2022 XXXX XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXX XXXX  XXXX XXXX/2022 XXXX XXXX/2022 XXXX XXXX/2022 XXXX  XXXX XXXX  XXXX XXXX/2022 XXXX  XXXX XXXX XXXX  XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: NJ

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX  XXXX XXXX/2022 XXXX XXXX/2022 XXXX XXXX  XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXX/2022 XXXX XXXX XXXX/2022 XXXX  XXXX XXXX/2022 XXXX-XXXX XXXX XXXXXXXX/2022 XXXX XXXX XXXX XXXX  XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX/2022 XXXX XXXX  XXXX XXXX/2022 XXXX XXXX/2022 XXXX XX/XX/2022 XXXX  XXXX XXXX  XXXX  XXXX/2022 XXXX  XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXX2022

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 2024-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hello, I purchased a vehicle under financing company, in XXXX in the amount it {$27000.00} and made payments, ( XXXX ) I applied for a catch program when I feel behind during XXXX treatment, when I was able to maintain my monthly payments ( {$630.00} ), ( XXXX ) my car payment amount owed is {$28000.00}, the same amount and when I first purchased the vehicle, how can this be? Where is the payments going? Can I get an audit of these transactions from this finance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I received an email from Experian steering I had a new credit activity. Being I've done nothing on credit since my car, I lied in to view it only to be inundated with ads, offers, requests etc. I could not navigate to see the new activity due to the ads. Being this company controls my credit, I should have free uninterrupted access whenever I'm notified of activity. 
I feel they send the activity email to sticker be too go to their site to sell me stuff.

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 2024-02-12 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: CA

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.

Account name : XXXX XXXX Acct # XXXX XXXX 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.

15U.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.

These inaccuracies are stopping me from getting a house for my family and car for kids.

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 2024-02-12 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: MA

Complaint narrative:
Dear FCRA Consumer Assistance, I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the account under the name XXXX with account number XXXX. Additionally, I am disputing a duplicate account under the name XXXX, which is also reporting the same account number ( XXXX ). The current reporting by the FCRA is in violation of the Fair Credit Reporting Act ( FCRA ), and I kindly request a reinvestigation of these discrepancies. 
I have carefully reviewed my credit reports from XXXX and Equifax, and I have identified several inaccuracies that are negatively impacting my creditworthiness. The discrepancies are as follows : Date of Last Activity : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Equifax Duplicate XX/XX/XXXX Date Opened : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Equifax XXXX no date reported Balance Owed : XXXX : {$710.00} Equifax : {$1000.00} Equifax Duplicate {$710.00} High Balance : XXXX : {$710.00} Equifax : {$720.00} Equifax Duplicate {$710.00} Payment Status : XXXX : Reporting as Collection Charge Off Equifax : Reporting as Late 120 Days Last Payment Date : XXXX : not Reporting Equifax : XX/XX/XXXX Equifax Duplicate : XX/XX/XXXX These inaccuracies not only misrepresent the true status of the account but also violate the FCRA guidelines. The discrepancies in the reported information have had a detrimental impact on my good name, character, and my ability to qualify for new credit. 

I believe that the reporting by the FCRA is inaccurate and in violation of the Fair Credit Reporting Act. 
I am formally requesting a reinvestigation into the aforementioned discrepancies and, if found to be inaccurate, the immediate deletion of the inaccurate information from my credit reports. Furthermore, I question the reliability of the furnisher of this information, as the discrepancies are substantial and affect my creditworthiness unfairly. 
I appreciate your prompt attention to this matter and request that you inform me of the results of the reinvestigation at your earliest convenience. Thank you for your assistance in rectifying these inaccuracies and ensuring the fair and accurate reporting of my credit history. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: MS

Complaint narrative:
I was reviewing my credit report and noticed multiple credit inquiries from companies I have never heard from or have done business with thus they would have no legal right to access my file. Further for the few companies that I have accounts with that they confirmed that additional credit inquiries were not initiated by them and they must be fraudulent. I asked them to remove them however they indicated that I would have to formally dispute them with the credit bureaus and to identify them as inquires that I never authorized or gave permission for my credit report to be pulled. To be clear this is a violation of federal law and this is very alarming that my credit file has been accessed without my authorization. Seeing as I already have a fraud alert on my file I am wondering how these inquires were even made as I was not contacted to give my authorization. 

The following inquiries are the ones identified that need to be removed IMMEDIATELY as I never applied for credit with these companies either on the date in question or at all and they did NOT have permissible purpose to access my file. 

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 I have attached a copy of my ID for identity verification.

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