vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 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: MN

Complaint narrative:
Re : Final XXXX Notice Before Legal Action Consumer : XXXX XXXX XXXX XXXX XX/XX/XXXX SSN : XXXX notice of multiple documented violations of the Fair Credit Reporting Act ( FCRA ) concerning my credit profile. 
The following discrepancies have been identified : Credit Profile Discrepancies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$56000.00} difference ) Total Accounts : XXXX XXXX XXXX XXXX XXXX account difference ) Derogatory Marks : XXXX vs XXXX ( XXXX difference ) Account-Specific Violations ( {$1000.00} each ) XXXX. XXXX XXXX XXXX XXXX ( {$40000.00} ) XXXX. Different account numbers ( XXXX vs XXXX ) XXXX. Inconsistent loan terms ( XXXX XXXX XXXX months ) XXXX. Different last payment dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX. XXXX XXXX ( {$2300.00} ) XXXX. Missing payment history XXXX. Different account numbers ( XXXX ) XXXX. Inconsistent charge-off dates XXXX. XXXX XXXX XXXX ( {$5600.00} ) XXXX. Different account numbers ( XXXX vs XXXX ) XXXX. Varying payment histories XXXX. Inconsistent original balance reporting XXXX. XXXX XXXX ( {$6100.00} ) XXXX. Different past due amounts ( {$3200.00} vs {$2400.00} ) XXXX. Inconsistent account types XXXX. Different opening dates ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$2200.00} ) XXXX. Different opening dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX. Inconsistent payment histories XXXX. Varying charge-off sequences FCRA Violations Summary XXXX. Accuracy Failures ( 1681e ( b ) ) Inconsistent balance reporting Different account statuses Varying payment histories 2. Investigation Failures ( 1681i ( a ) ) Failed to properly investigate disputes ( XXXX ) No response to written disputes Failed to update information after disputes XXXX. Joint Notification System Failure ( 1681b ( e ) ( 6 ) ) Failed to maintain consistent reporting across bureaus Different personal information reported Inconsistent account details Total FCRA Violations : XXXX Total Statutory Damages : {$15000.00} Due to the extended period of non-compliance and multiple unsuccessful dispute attempts over the past year, you are hereby given 5 days from the date of this letter to : Correct all inaccurate information identified above Provide written confirmation of the corrections made Compensate the statutory damages of {$15000.00} I. XX/XX/XXXX CFPB Complaint Number # XXXX XXXX. XX/XX/XXXX CFPB Complaint Number # XXXX XXXX. XX/XX/XXXX CFPB Complaint Number # XXXX IV. XX/XX/XXXX CFPB Complaint Number # XXXX V. XX/XX/XXXX CFPB Complaint Number # XXXX This abbreviated timeline is justified by : XXXX. XXXX year of failed dispute attempts XXXX. Continued reporting of inaccurate information XXXX. Multiple unresolved FCRA violations XXXX. Significant financial harm caused

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 2024-11-03 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: MN

Complaint narrative:
Re : Final XXXX Notice Before Legal Action Consumer : XXXX XXXX XXXX XXXX XX/XX/XXXX SSN : XXXX notice of multiple documented violations of the Fair Credit Reporting Act ( FCRA ) concerning my credit profile. 
The following discrepancies have been identified : Credit Profile Discrepancies Credit Score Variance : XXXX XXXX XXXX  ( {$56000.00} difference ) Total Accounts : XXXX XXXX XXXX XXXX XXXX  account difference ) Derogatory Marks : XXXX XXXX XXXX XXXX XXXXXXXX difference ) Account-Specific Violations ( {$1000.00} each ) XXXX. XXXX XXXX XXXX XXXX ( {$40000.00} ) XXXX. Different account numbers ( XXXX vs XXXX ) XXXX. Inconsistent loan terms ( XXXX XXXX XXXX months ) XXXX. Different last payment dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX XXXX XXXX  ( {$2300.00} ) XXXX. Missing payment history XXXX. Different account numbers ( XXXX ) XXXX. Inconsistent charge-off dates XXXX. XXXX XXXX XXXX ( {$5600.00} ) XXXX. Different account numbers ( XXXX vs XXXX ) XXXX. Varying payment histories XXXX. Inconsistent original balance reporting XXXX. XXXX XXXX ( {$6100.00} ) XXXX. Different past due amounts ( {$3200.00} vs {$2400.00} ) XXXX. Inconsistent account types XXXX. Different opening dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX. XXXX XXXXXXXX ( {$2200.00} ) XXXX. Different opening dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX. Inconsistent payment histories XXXX. Varying charge-off sequences FCRA Violations Summary 1. Accuracy Failures ( 1681e ( b ) ) Inconsistent balance reporting Different account statuses Varying payment histories XXXX. Investigation Failures ( XXXX ( a ) ) Failed to properly investigate disputes ( XXXX ) No response to written disputes Failed to update information after disputes XXXX. Joint Notification System Failure ( 1681b ( e ) ( 6 ) ) Failed to maintain consistent reporting across bureaus Different personal information reported Inconsistent account details Total FCRA Violations : XXXX Total Statutory Damages : {$15000.00} Due to the extended period of non-compliance and multiple unsuccessful dispute attempts over the past year, you are hereby given 5 days from the date of this letter to : Correct all inaccurate information identified above Provide written confirmation of the corrections made Compensate the statutory damages of {$15000.00} I. XX/XX/XXXX CFPB Complaint Number # XXXX XXXX. XX/XX/XXXX CFPB Complaint Number # XXXX XXXX. XX/XX/XXXX CFPB Complaint Number # XXXX IV. XX/XX/XXXX CFPB Complaint Number # XXXX V. XX/XX/XXXX CFPB Complaint Number # XXXX This abbreviated timeline is justified by : XXXX. XXXX year of failed dispute attempts XXXX. Continued reporting of inaccurate information XXXX. Multiple unresolved FCRA violations XXXX. Significant financial harm caused

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 2024-11-03 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: IN

Complaint narrative:
I am a victim of identity theft and have tried many different ways to get these items removed. I am now pending litigation on Experian. This is my last effort in contacting them before filing with the courts. I am insisting on a credit block being issued immediately pursuant to 15 usc 1681 605 B ( A ). I have attached all documents needed according to the law listed as well as several others listed in my letter attached that i've not only sent but also done CFPB complaints to no avail. There is clearly no investigation being done at all, no communication back to my requests within the letter, and no proof of the items I've asked for either. Please ensure all items listed in this report are taken care of. If you are having issues removing the late payments, remove the accounts altogether such as XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

The self account reporting is also not only not my account but is incorrectly reporting transaction history. You cant be 120 days late, 150 days late, CO, XXXX blank months, and then back to 120 days late.

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 2024-11-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am disputing XXXX XXXX XXXXXXXX XXXX  reporting to my credit, as they are neither licensed nor bonded in Virginia, where I reside. Under state regulations, this authorization is required for any debt collection activity. Given this non-compliance, I request the removal of their report from 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 explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: PA

Complaint narrative:
I have been charged twice multiple times and the Way2Go company is refusing to rectify the situation. All charges are shown as pending from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and all are double charges that keep consistently happening to my account. This is totaling to XXXX that I am missing of my XXXX money. I have spoken to multiple support agents that keep telling me that I just need to wait when I have been waiting for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: NY

Complaint narrative:
Ive disputed this multiple times, with credit bureaus. The balances on XXXX and XXXX are different. Also, the charge off amount fluctuates monthly to different amounts which makes my XXXX XXXX lower each month this happens. XXXX XXXX  XXXX restricts adding to the balance of the charge off account which is grounds to sue CarMax Auto Finance for violating state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: PA

Complaint narrative:
Mohela loan showing up twice on credit report, reporting both as open, on loan slightly less than the other, and showing a much larger debt in student loans by almost {$74000.00}. Disputed on credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is Reporting a Hard inquiry from XXXX XXXX that I did not authorize. Please delete this immediately.

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 2024-11-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear XXXXir/Madam, I am writing to address discrepancies found on my credit report, specifically concerning the provisions outlined in 15 USC code 6802, 15 USC 1681b , and 18 U.S. Code 1028A.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is imperative that all information reported on my credit profile be accurate and lawfully obtained. Under 15 USC code 1681b, there are strict guidelines regarding the dissemination of consumer credit information, ensuring that it is handled responsibly and with due diligence. 
Upon reviewing my credit report, I have identified inaccuracies that violate the aforementioned regulations. As per my rights under the FCRA, I request the immediate removal of this erroneous information from my credit report. 
Furthermore, in accordance with the doctrine of estoppel by silence, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I must emphasize that no proof of the alleged debt has been provided. Hence, it is reasonable to conclude that such debt does not exist. 
I kindly request your prompt attention to this matter and the necessary actions to rectify the inaccuracies on my credit report. Please provide confirmation once the corrections have been made. 
Thank you for your prompt attention to this matter. Dear Sir/Madam, I am writing to address discrepancies found on my credit report, specifically concerning the provisions outlined in 15 USC code 6802, 15 USC 1681b , and 18 U.S. Code 1028A.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is imperative that all information reported on my credit profile be accurate and lawfully obtained. Under 15 USC code 1681b, there are strict guidelines regarding the dissemination of consumer credit information, ensuring that it is handled responsibly and with due diligence. 
Upon reviewing my credit report, I have identified inaccuracies that violate the aforementioned regulations. As per my rights under the FCRA, I request the immediate removal of this erroneous information from my credit report. 
Furthermore, in accordance with the doctrine of estoppel by silence, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I must emphasize that no proof of the alleged debt has been provided. Hence, it is reasonable to conclude that such debt does not exist. 
I kindly request your prompt attention to this matter and the necessary actions to rectify the inaccuracies on my credit report. Please provide confirmation once the corrections have been made. 
Thank you for your prompt attention to this matter.

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The account was charged off on the following date : XX/XX/year> Since then the date of last activity has been inconsistently updated to all 3 credit reporting agencies Equifax, XXXX, and XXXX If the dates are coming from the ORIGINAL CREDITOR the dates should be the same. We can not say these accounts are 100 % accurate, therefore all the accounts are deemed inaccurate. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 
In accordance with FCRA 15 U.S.C. 1681 Please delete this account from my credit report immediately. 
Accounts Name : XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The account was charged off on the following date : XX/XX/year> Since then the date of last activity has been inconsistently updated to all 3 credit reporting agencies XXXX, XXXX, and Experian If the dates are coming from the ORIGINAL CREDITOR the dates should be the same. We can not say these accounts are 100 % accurate, therefore all the accounts are deemed inaccurate. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 
In accordance with FCRA 15 U.S.C. 1681 Please delete this account from my credit report immediately. 
Accounts Name : XXXX XXXX Account 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 2024-11-03 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: VA

Complaint narrative:
I am disputing XXXX XXXX XXXXXXXX XXXX  reporting to my credit, as they are neither licensed nor bonded in Virginia, where I reside. Under state regulations, this authorization is required for any debt collection activity. Given this non-compliance, I request the removal of their report from 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 2024-11-03 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: VA

Complaint narrative:
I am disputing XXXX XXXX XXXXXXXX XXXX reporting to my credit, as they are neither licensed nor bonded in Virginia, where I reside. Under state regulations, this authorization is required for any debt collection activity. Given this non-compliance, I request the removal of their report from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have received a Cash App visa debit card on XX/XX/year> and I didn't open the account with cash app. Tried to call customer service of cash app on XX/XX/year> and sent my name and the photo of the card ( front and back ) through the email that customer service sent. However, I couldn't get the confirmation of closing this account. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to discover that I am a victim of identity theft. There are numerous accounts on my report that I did not open. This has negatively impacted me as I am in the process of making significant purchases. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2024-11-03 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: NY

Complaint narrative:
The following letters were sent requesting the process of verification and accuracy of alleged late payments on the following accounts listed on attachments. 

As per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed because i have reason to believe that you have not made any reasonable determination that my dispute was frivolous or irrelevant Nor have you sent me a notice of such determination that corresponds with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the alleged missed payment information contained in my consumer file as per the FCRA.

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 2024-11-03 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I paid off XXXX XXXX student loans over 6 months ago, and Equifax and XXXX both still report the accounts as active and in repayment ( and the balances as several XXXX dollars ). I contacted XXXX several times, and they confirmed theyve reported to all XXXX credit bureaus that the accounts are paid in full/closed. Ive also filed disputes with Equifax and XXXX- they closed the disputes without resolving them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX never produced a signed original contract with my wet signature or produced original contracts or if they own this debt as well.

Company response to consumer: Closed with explanation