vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: NC

Complaint narrative:
I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP
State: OH

Complaint narrative:
Ok I recently paid off a car loan I had with Key Bank. They never sent the title and closed my account so I could not reference the loan information. They sent me a loan history of reconstruction. I compared it to my actual bank statement payments, my payments where due on the XXXX of the month, in which I paid them before the XXXX generally around the XXXX of the month. Upon comparing my statements my payment dates were not recorded accurately. They were being reported on the " effective date '' which did not match up to the actual payment date. Making the days in between payments to be on average longer than 30 days causing the effective interest rate to be higher. Causing me to pay more on the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
There are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my 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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom may concern, please be advised I have been discussing mortgage assistance options with XXXX XXXX XXXX from the beginning of XXXX. I have responded to all of the requests for documentation in a timely manner only for them to return and request the same information over and over again. XXXXXXXX XXXX XXXX and its agents have systematically created an environment to put myself and clients like myself in a position of default. I believe this to be a business strategy of theirs. Additionally, in all of my conversations agents led me to believe that any settlements would not have negative impact on my personal credit, and they have gone ahead and reported negatively on my personal credit on a commercial account where the borrower is an entity. I ask you remove any negative reporting on my personal credit immediately and ask that you investigate XXXX XXXX XXXX  for their practices in general and in specific with mortgageassistance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NY

Complaint narrative:
To whom may concern, please be advised I have been discussing mortgage assistance options with XXXX XXXX XXXX from the beginning of XXXX. I have responded to all of the requests for documentation in a timely manner only for them to return and request the same information over and over again. XXXX XXXX XXXX and its agents have systematically created an environment to put myself and clients like myself in a position of default. I believe this to be a business strategy of theirs. Additionally, in all of my conversations agents led me to believe that any settlements would not have negative impact on my personal credit, and they have gone ahead and reported negatively on my personal credit on a commercial account where the borrower is an entity. I ask you remove any negative reporting on my personal credit immediately and ask that you investigate XXXX XXXX XXXX for their practices in general and in specific with mortgageassistance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom may concern, please be advised I have been discussing mortgage assistance options with XXXX XXXX XXXX  from the beginning of XXXX. I have responded to all of the requests for documentation in a timely manner only for them to return and request the same information over and over again. XXXX XXXX XXXX and its agents have systematically created an environment to put myself and clients like myself in a position of default. I believe this to be a business strategy of theirs. Additionally, in all of my conversations agents led me to believe that any settlements would not have negative impact on my personal credit, and they have gone ahead and reported negatively on my personal credit on a commercial account where the borrower is an entity. I ask you remove any negative reporting on my personal credit immediately and ask that you investigate XXXX XXXX XXXX for their practices in general and in specific with mortgageassistance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE XXXX XXXX ACCOUNT ON MY CREDIT REPORT NEEDS TO BE DELETED. 

PLEASE PROVIDE ME WITH THE METHOD OF VERIFICATION AND THE PROCEDURE 'S DESCRIPTION WITHIN 7 DAYS. I WANT ALL OF THE DOCUMENTATION THAT YOU RETRIEVED TO RENDER YOUR INVESTIGATION THAT THIS INFORMATION IS REPORTING ACCURATELY. IF YOU CAN NOT PROVIDE THIS INFORMATION TO ME IN 15 DAYS, PLEASE DELETE THIS INFORMATION FROM MY CREDIT REPORT. 15 USC 1681i ( a ) ( 6 ) ( iii ) ACCORDING TO FCRA SECTION 6 0 5 B, IT IS ILLEGAL TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT MY PERMISSION. PLEASE REMOVE THIS NEGATIVE ITEM. 

LATE PAYMENTS REPORTED ARE A PRIVACY VIOLATION. THE LATE PAYMENT STATUS IS INVALID AND INACCURATE. YOU MUST HAVE MAXIMUM ACCURACY WHEN REPORTING. PLEASE DELETE. 15 USC CODE 1666B. SHOW SUPPORTIVE DOCUMENTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SHABANA MOTORS
State: TX

Complaint narrative:
THE SHABANA MOTORS ACCOUNT ON MY CREDIT REPORT NEEDS TO BE DELETED. 

PLEASE PROVIDE ME WITH THE METHOD OF VERIFICATION AND THE PROCEDURE 'S DESCRIPTION WITHIN 7 DAYS. I WANT ALL OF THE DOCUMENTATION THAT YOU RETRIEVED TO RENDER YOUR INVESTIGATION THAT THIS INFORMATION IS REPORTING ACCURATELY. IF YOU CAN NOT PROVIDE THIS INFORMATION TO ME IN 15 DAYS, PLEASE DELETE THIS INFORMATION FROM MY CREDIT REPORT. 15 USC 1681i ( a ) ( 6 ) ( iii ) ACCORDING TO FCRA SECTION 6 0 5 B, IT IS ILLEGAL TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT MY PERMISSION. PLEASE REMOVE THIS NEGATIVE ITEM.

LATE PAYMENTS REPORTED ARE A PRIVACY VIOLATION. THE LATE PAYMENT STATUS IS INVALID AND INACCURATE. YOU MUST HAVE MAXIMUM ACCURACY WHEN REPORTING. PLEASE DELETE. 15 USC CODE 1666B. SHOW SUPPORTIVE DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: CO

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, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX, XXXX XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 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. 15 U.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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: CO

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, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX, XXXX XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 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. 15 U.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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am appealing to you for help with my Citibank credit card account. 
Back in XX/XX/XXXX, I paid my credit card bill, but Citibank refuses to acknowledge receipt of the payment and continues to charge me interest and penalties. I have called many times and spent countless hours on the phone, including XXXX certified letters to XXXX XXXX. Being self-employed this has hurt our earnings considerably. XXXX XXXX  has confirmed my payments ( see attached letter ). This is an internal problem at Citibank, and I bear no responsibility per the Common Carrier Rule. 
We are an elderly couple, who are trying to take an XXXX trip for our XXXX anniversary and are depending on credit card miles to help. Citibank is preventing us for using the card and we can not earn miles, bonuses, or other incentives. It has also filed hard inquiries with credit agencies, dropping my credit score precipitously thus preventing us from getting a new card. This is unfair, and it is downright mean. 
I am asking you to use your influence to correct this situation by getting your bank to credit my account Interest and fees are now over {$750.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX 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 2025-01-03 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 2025-01-03 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: VA

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/year> U.S. Bankruptcy Court Clerk, XXXX XXXX XXXX XXXX, # XXXX XXXX, Florida XXXX, responded with a letter stating that they did not report anything in public records. a copy of the letter was sent to Experian, XXXX and XXXX for removal according to violating 15 USC 1681b ( a ) ( 2 ) considering they do NOT have my consent to furnish any information. Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. That would also include XXXX enforcement account # XXXX ; US BKPT CT FL XXXX Docket # XXXX ; XXXX XXXX CT FL XXXX Docket # XXXX I request that the items be deleted from the credit report and updated immediately. 
In addition, there are also collections and charge offs being reported they are inaccurate Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: LA

Complaint narrative:
For over 3 knowing years I've been attempting to detach my identity from this account with the company XXXX XXXX. I noticed about three years ago that a car repossession was appearing on my consumer report. I had no idea where it had come from, or even how to remove the account from my consumer report. I was unfamiliar with the credit reporting process and didn't even fully understand how credit worked or even purchasing a vehicle. I have always purchased everything in the past with cash and I didn't even own a credit card up until about a year ago. After furthering my research on credit monitoring, I began researching on how I could make contact with the company XXXX XXXX to make them aware that I did not do business with them or request services from them. The person or institution that brokered the deal with XXXX XXXX was able to obtain an auto loan in the amount of {$27000.00} without my consent. This is a known fact and for about 41 months I've been dedicated to detach my identity from this matter, as it appears to be fraudulent. I have contacted XXXX XXXX on numerous occasions, and no one has corresponded back to me.

Company response to consumer: Closed with non-monetary relief