vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2024-07-20 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: MD

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-07-20 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: MD

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CIG FINANCIAL LLC
State: LA

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against AUTONATION FINANCE for improperly reporting a repossession on my XXXX credit report. Their actions appear to violate provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

On XX/XX/XXXX, AUTONATION FINANCE listed a repossession on my XXXX credit report, indicating that the account was closed but repossessed. However, AUTONATION FINANCE had already purchased the car back in XX/XX/XXXX and sold the vehicle. This inaccurate reporting is misleading and adversely affects my credit score.

According to 15 U.S. Code 1601, the purpose of the TILA is to ensure that consumers are provided with meaningful disclosures of credit terms and protected from inaccurate and unfair credit billing practices. The misreporting of this repossession is inconsistent with these principles.

Furthermore, under 15 U.S. Code 1681n, AUTONATION FINANCE is liable for willful non-compliance with the FCRA. If they fail to delete these inaccurate items after my dispute, they owe me {$1000.00} per item for each instance of non-compliance. 

Given these circumstances, I respectfully request the following actions : 1. Immediate investigation into the inaccurate repossession entry on my XXXX credit report. 
2. Removal of the repossession entry that is inaccurately reported.

3. Cease any further attempts to inaccurately report this or any related information on my credit reports.

4. Provide written confirmation that the inaccurate item has been removed and will not be re-reported.

Please consider this letter as a formal dispute of the inaccurate repossession entry on my credit report. I expect a response within thirty ( 30 ) days from the date of this letter, confirming that the inaccurate entry has been investigated and removed. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue and ensuring compliance with federal credit reporting and debt collection laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi Bank is telling me that they report. It is in the contract that they report to all three credit bureaus and they have for 20 years with my card. They then told 2 of the three bureaus that my card was canceled but still report to XXXX. Ive been calling them for 6 months now. They say they are reporting to all 3, but XXXX is saying they are not. Ive been back and forth with both Citi Bank and XXXX telling me its not their fault. Citi bank is very secretive about who reports for them or how to get this issue fixed. XXXX refuses to look into it at all, they say if the bank reports they show it. There is a problem and neither side will address it! This card is my oldest highest limit card and its creating a XXXX points negative impact on my score.

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 2024-07-20 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: AZ

Complaint narrative:
XX/XX/2024 my Equifax account states My XXXX XXXX XXXX  name has changed 5 times on my credit report. Decreasing my score by XXXX points. Name changes should not affect a credit score. I disputed a paid account on my credit file XXXX XXXX in which i filed a report about because the account was opened by a XXXX  at the time. The merchant is aware it was a fraudulent account and opened by a XXXX. This should not have affected my credit score by disputing because it is a paid closed account. Accounts are being tampered and reported more than once per month. 

This is absurd and grounds for a lawsuit. Who give Equifax the authority to re-open accounts and post to credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation

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 2024-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SameDay Auto Finance, LLC
State: LA

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against SameDay Auto Finance for improperly reporting a repossession on my credit report. I believe their actions violate provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

SameDay Auto Finance has listed a repossession on my credit report as of XX/XX/year> the car had already been picked up and sold XX/XX/year> not XXXX as well as sold at an auction in XXXX of XXXXThey are reporting information inaccurately. According to 15 U.S. Code 1601, the purpose of the TILA is to ensure that consumers are provided with meaningful disclosures of credit terms and protected from inaccurate and unfair credit billing practices. The misreporting of this repossession is inconsistent with these principles. 

Furthermore, under 15 U.S. Code 1681n, SameDay Auto Finance is liable for willful non-compliance with the FCRA. If they fail to delete this inaccurate item after my dispute, they owe me {$1000.00} per item for each instance of non-compliance. 

Given these circumstances, I respectfully request the following actions : 1. Immediate investigation into the inaccurate repossession entry on my credit report.

2. Removal of the repossession entry that is inaccurately reported.

3. Cease any further attempts to inaccurately report this or any related information on my credit reports.

4. Provide written confirmation that the inaccurate item has been removed and will not be re-reported.

Please consider this letter as a formal dispute of the inaccurate repossession entry
on my credit report. I expect a response within thirty ( 30 ) days from the date of this letter, confirming that the inaccurate entry has been investigated and removed. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue and ensuring compliance with federal credit reporting and debt collection laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have been in repayment since XXXX. I was originally under XXXX and now loans are mantained through Nelnet and Federalstudentloan.gov. It been 28 years since I have been in repayment. In XXXX the loans were consolidated. My understanding is that you would be eligible after 20 years. Why am I not yet eligible for forgiveness and what date should I be eligible for forgiveness? Are you reviewing records accurately and not disregarding things prior to consolidation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: NY

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed these student loans that are on my report that should not be. I'VE let the bureaus know this loan has been transferred to another company and should not still be reporting on my credit report. The Bureaus XXXX and Equifax are telling me they verified the information which is not true. I spoke with two Representative from XXXX which stated they did not verify with them and these accounts should not still be reporting on my credit report. I also have a letter from XXXX that my loans have been transferred to another company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: NY

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX  XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-07-20 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-07-20 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Someone has fraudulently tried to open accounts in my name. There are inquiries on my Early Warnings Profile and XXXX XXXX that need to be addressed immdeiatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX is telling me that they report. It is in the contract that they report to all three credit bureaus and they have for 20 years with my card. They then told 2 of the three bureaus that my card was canceled but still report to XXXX. Ive been calling them for 6 months now. They say they are reporting to all 3, but Equifax is saying they are not. Ive been back and forth with both XXXXXXXX XXXX and Equifax telling me its not their fault. XXXX XXXX is very secretive about who reports for them or how to get this issue fixed. Equifax refuses to look into it at all, they say if the bank reports they show it. There is a problem and neither side will address it! This card is my oldest highest limit card and its creating a XXXX points negative impact on my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2024-07-20 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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