vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: 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.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I no longer have access to the email account under which I signed up for service from Experian. Due to this, there is no way to log in through their website. I called customer service multiple times during their posted business hours and their automated phone tree dead-ends with any option I attempt. There is no easy or clear way to fix this problem, and in the meantime I have a recurring bill every month they are charging me for. 

I can't get a hold of a live agent no matter what option I try. At first I tried using the automated system by providing information related to my issue. After many attempts I realized the system was designed XXXX XXXX me back to the website or write to Experian via snail mail. I tried other methods, such as asking to report fraud or start a credit freeze, all in an attempt to get a live person and it always ends with the suggestion to go to their website- which, TO BE CLEAR, can not resolve my problem. 

Experian is doing very well financially ( look it up ) but are obviously cutting costs with customer service at the EXPENSE of their customers.

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 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing the accuracies of the XXXX funding for the last two year to the three major credit reporting agencies. each time they say it meets the FCRA requirements. How can this be if all three credit reports report something different on the account. This is unsatisfactory to me as the consumer who has to put trust and confidence these agencies to do the right thing. it is a must that XXXX XXXX removed from my report from the three credit reporting agencies immediately due to in accurate reporting practices and procedures. it is time that these report agencies are help accountability for the lack of due diligence thats has been show on multiple occasion to multiple consumers. I have submitted multiple reports showing the inaccurate reporting only for those report to fall to blind eyes. It is my right to have this inaccurate reporting rectified.

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 2024-08-17 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/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 non-monetary relief
Consumer complaint received 2024-08-17 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Personal Information on Credit Report Dear Equifax, I am writing to formally dispute the inaccurate information on my credit report as provided by Equifax. I use XXXX names XXXX XXXX XXXX, XXXX XXXX XXXX I will upload a screenshot, a copy of my electric bill, insurance information.Equifax displayed on XX/XX/2024 what they wanted to put on my personal information file. 

Please confirm receipt of this letter and let me know how you plan to resolve this issue. Under the Fair Credit Reporting Act, you are required to investigate my dispute and respond within XXXX  days. 

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

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: MO

Complaint narrative:
Never heard anything back was trying to get my disputes done with third party crediting places like XXXX, XXXX XXXX, and others nothing seems to go away they always Gave me the run around about how to do the process tried to do it more then once but when I request it, I would get the run around about I did it too many times and things like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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:
To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. These inquiries were made by companies without my knowledge or authorization, and as such, they are in violation of XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports. 

The inquiries in question are as follows : XXXX XXXX XXXX : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 XXXX XXXX, XXXX XXXX : XXXX XXXX, 2023 Under XXXX XXXX Code XXXX, consumer reports may only be accessed under specific permissible purposes, such as when I have applied for credit, employment, or insurance, or in connection with a legitimate business transaction initiated by me. I did not authorize or initiate any transaction with the companies listed above that would warrant these inquiries. 

I respectfully request that you investigate these unauthorized inquiries and remove them from my credit report immediately. Enclosed with this letter is a copy of my credit report with the unauthorized inquiries highlighted for your reference. 

Please confirm in writing that these inquiries have been removed and that my credit report has been updated accordingly. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of these inquiries from my credit report. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. These inquiries were made by companies without my knowledge or authorization, and as such, they are in violation of XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports. 

The inquiries in question are as follows : XXXX XXXX XXXX : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 Under XXXX XXXX Code XXXX, consumer reports may only be accessed under specific permissible purposes, such as when I have applied for credit, employment, or insurance, or in connection with a legitimate business transaction initiated by me. I did not authorize or initiate any transaction with the companies listed above that would warrant these inquiries. 

I respectfully request that you investigate these unauthorized inquiries and remove them from my credit report immediately. Enclosed with this letter is a copy of my credit report with the unauthorized inquiries highlighted for your reference. 

Please confirm in writing that these inquiries have been removed and that my credit report has been updated accordingly. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of these inquiries from my credit report. 

Sincerely,

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am now requesting proof of the previous investigation for XXXX XXXX account # XXXX. XXXX asking that you send your method of investigation, along with all the records of who you spoke with. Their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX  days update my account to PAID/NEVER LATE and send me a copy of my updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
pursant to 18 usc 8 I owe no debt, this company is violating my consumer rights to privacy pursant to 15 usc 1681 b 2. Company has no permission to report anything using my information pursant to 15usc 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: TN

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX SSN : XXXX Date : XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX- The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX. XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries XXXX. XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/year>, XXXX XXXX XXXX ( Bank ) XX/XX/year>, XXXX - XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX  XX/XX/year> - This inquiry was not authorized, please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2024-08-17 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: TN

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX SSN : XXXX Date : XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX- The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX. XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries XXXX. XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/year>, XXXX XXXX XXXX ( Bank ) XX/XX/year>, XXXX - XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXXXX/XX/year> - This inquiry was not authorized, please remove it from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing a complaint against LVNV Funding LLC regarding a collections account for {$1400.00}, originally from XXXX XXXXXXXX. Despite my inability to repay this debt, LVNV Funding LLC continues to report this account on my credit report, which is causing substantial and ongoing harm to my XXXX XXXX. 

LVNV Funding LLC has been harassing me with daily calls from different phone numbers, which violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d, prohibiting conduct that results in harassment, oppression, or abuse. These actions are causing significant XXXX  and XXXX  
Furthermore, LVNV Funding LLC has not provided proper validation of this debt as required by the FDCPA, 15 U.S.C. 1692g, including proof of the original agreement with the creditor and their legal right to collect. Without this validation, their continued reporting of the debt is misleading and harmful. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2, creditors and collectors are obligated to ensure the accuracy of the information they report. The ongoing presence of this unvalidated debt on my credit report is both inaccurate and unfair. 

I request that LVNV Funding LLC immediately cease all collection activities and remove this account from my credit report to correct the ongoing inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: UT

Complaint narrative:
I disputed this item back in XX/XX/year> that i did not miss a payment. I recieved a response back. They changed the dates that they said i was late. I was never late on those dates. I disputed again. They changed the dates again. This is fraud and abuse to 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 2024-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
The companies listed below did a bait and switch on me and my sister. My sister was shopping for a car, XXXX XXXX XXXX ( XXXX ) she test drove it and decided not to purchase because the price was too high and it had high mileage. I was only supposed to be the co-applicant for this car. I was trying to help her get a car. I live in a different state from her. I received an email from Ally Bank, that I was the applicant for a XXXX XXXX XXXX, and my sister was the co-applicant. The dealership is XXXX XXXX in XXXX, Ohio. The salesman was XXXX, this was his doing and the Sales Manager, XXXX XXXX at XXXX XXXX. I never signed anything, no money was ever exchanged. I told XXXX on the phone I was the co-signer. My sister test drove a XXXX XXXX XXXX. Where did a XXXX XXXX XXXX come from? I would like all of the following inquiries erased off of my credit report : Ally Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I am so upset about this bait and switch tactic. I am also upset that this is on my credit report. Please let me know if there is anything else I need to do in regard to this matter. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
My account with Suncoast Credit union was hacked on XX/XX/XXXX. They emptied my account of {$XXXX}. The XXXX XXXX only returned {$XXXX}. They refuse to pay the rest back. I've spoken to representatives daily. They claim because it was done using a digital wallet there's nothing I can do. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: IL

Complaint narrative:
The following companies made multiple inquires for my Transition credit report without my consent for knowledge while I was hospitalized. Please see the following companies and dates listed below. 

XXXX XXXX XXXX- Auto Financing XX/XX/XXXXXXXX XXXX XXXX - Auto Financing XX/XX/XXXX XXXX XXXX XXXX - Mortage Reporters XX/XX/XXXX XXXX XXXXXXXX XXXX  - Companies XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 2024-08-17 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
The following companies made multiple inquires for my Transition credit report without my consent for knowledge while I was hospitalized. Please see the following companies and dates listed below. 

XXXX XXXX XXXX- Auto Financing XX/XX/XXXX XXXX XXXX  - Auto Financing XX/XX/XXXX XXXX XXXX XXXX - Mortage Reporters XX/XX/XXXXXXXX XXXX XXXX Mortage - Companies XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/2024 Twice used Equifax web page. First time entered all requested data. Received web message " Unable to continue ''. Given a number to call Equifax customer service. Called the number. I can only get the message to go to the Equifax web site. Circular useless contact. Can not freeze my Equifax credit account. Repeated same XX/XX/20XXXX

Company response to consumer: Closed with explanation