vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
To Transunion located at TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX To Transunion I am writing this to formally dispute inaccurate information on my credit report that has been reported to your agency by XXXX XXXX XXXX # XXXX which is located at XXXX XXXX XXXX XXXX Texas I am also disputing inaccurate information XXXX XXXX acct XXXX XXXX located at XXXX New XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX 

XXXX XXXX XXXX XXXX # XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX and the last account is XXXX XXXX XXXX XXXX XXXXXXXX. I have noticed all of these have inaccuracies. 

This inaccurate information has negatively affected and impacted my credit score and caused me hardship by making it difficult to obtain credit and also rent a home for my family. This has caused me great distress both physically and mentally. 

Under the FAIR CREDIT REPORT ACT 15USC1681.i, I am exercising my right to dispute inaccurate information in my credit report. I request that you promptly complete a thorough procedural investigation and take the necessary steps to correct this inaccurate information. I expect a written verification of the corrected information within 15 days of this letter. Failure to investigate and correct this inaccurate information within 15 days will result in me being forced to take legal action and perusing damages which include {$1000.00} per violation of my consumer rights per federal law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX Date 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 2024-12-04 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Affirm.com XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Acct # XXXX To whom It May Concern. 
I'm reaching out because XXXX is helping Affirm.com put incorrect information relating to my credit report. 

The IRS considers a charge-off to be income, either as gross or ordinary income. Income that doesn't belong on a credit report, so this information on my report is inaccurate. 
By IRS rules, any cancelled debt or charge-offs is classified as income. Reporting this debt is incorrect or could be called Tax fraud. 
According to USC1681s-2 ( Affirm Acct # XXXX ) as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate information. I'm requesting that you delete this immediately from my credit reports. 
**USC 1681s-2 ( a ) ( 1 ) ( A ) ** A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notice, that specific information is inaccurate and ; the information is in fact inaccurate ''.. 
In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency Please delete this incorrect information from my credit report Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  : Account number : XXXX, XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Account number : XXXX, XXXX : Account number : XXXX XXXX XXXX ( Original XXXXXXXX XXXX  ) : Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXXXXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: MS

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$430.00XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$26000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied to expand my real estate license into other territories, which required my credit to be run. I was denied the opportunity to expand into other markets due to negative credit reporting. When I checked my credit I saw several accounts that I did not apply for ( XXXX XXXX XXXX accounts, XXXX XXXX, 3 JPMCB  accounts, and XXXX XXXX ). I was unaware that XXXX XXXX filed a judgment against me, as I did not receive any correspondence for the account reported on my credit report.They then sent me a copy of the judgment that was filed. I contacted XXXX XXXX and told them that the address that was listed on the judgment was not my address and had never been an address I was associated with, they told me it didn't matter. I recently mailed them letters stating that the account was not initiated by me. I am attempting to dispute the other accounts that were opened in my name as well and they are making it challenging for me. I need the accounts that I did not open to be removed from my consumer report so that I may further my career. In XXXX  I lost my wallet which contained all of my personal info, and I was also unfortunately the victim of a Chase Bank data breach. All of the companies listed above refuse to provide me with the requested information I asked for ( such as tax form 1099-C, accounting pursuant to UCC 9-210 , how my information was obtained according to the banking secrecy act and the original contract ) which is my right as a consumer to ask for. They refuse to remove the misreporting off of my consumer file even though it's fraud. Also, I noticed on my consumer credit report that the reporting is inconsistent. Some years are reporting ND while previous years and years after the ND are reporting CO. The updated status and status dates don't match, XXXX and XXXX reports don't match. There are also several addresses that never belong to me listed on my consumer file. The alleged creditors are using some of the invalid addresses as verification and validation. I have sent copies of identity theft reports to them as well and yet they are disregarded. This situation is really hindering my livelihood as I am not able to get my real estate licenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: DISCOVER BANK
State: CA

Complaint narrative:
I applied to expand my real estate license into other territories, which required my credit to be run. I was denied the opportunity to expand into other markets due to negative credit reporting. When I checked my credit I saw several accounts that I did not apply for ( XXXX XXXX XXXX accounts, Discover Bank, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I was unaware that XXXX XXXX filed a judgment against me, as I did not receive any correspondence for the account reported on my credit report.They then sent me a copy of the judgment that was filed. I contacted XXXX XXXX and told them that the address that was listed on the judgment was not my address and had never been an address I was associated with, they told me it didn't matter. I recently mailed them letters stating that the account was not initiated by me. I am attempting to dispute the other accounts that were opened in my name as well and they are making it challenging for me. I need the accounts that I did not open to be removed from my consumer report so that I may further my career. In XXXX I lost my wallet which contained all of my personal info, and I was also unfortunately the victim of a XXXX XXXX  data breach. All of the companies listed above refuse to provide me with the requested information I asked for ( such as tax form 1099-C, accounting pursuant to UCC 9-210 , how my information was obtained according to the banking secrecy act and the original contract ) which is my right as a consumer to ask for. They refuse to remove the misreporting off of my consumer file even though it's fraud. Also, I noticed on my consumer credit report that the reporting is inconsistent. Some years are reporting ND while previous years and years after the ND are reporting CO. The updated status and status dates don't match, XXXX and XXXX reports don't match. There are also several addresses that never belong to me listed on my consumer file. The alleged creditors are using some of the invalid addresses as verification and validation. I have sent copies of identity theft reports to them as well and yet they are disregarded. This situation is really hindering my livelihood as I am not able to get my real estate licenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Auto Advantage Finance, LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Last 4 digits of XXXX : XXXX RE : Account Number : XXXX To whom it may concern, I am writing to address the subject of the aforementioned accounts and transactions. 
As you are aware, the vehicle in question was repossessed by Auto Advantage Finance in the State of XXXX XXXXXXXX on or about XX/XX/XXXX, and subsequently resold on XX/XX/XXXX. 
It is imperative to note that in accordance with the laws of the State of Oklahoma, specifically UCC 2001 Title 12A, as well as State RISA and MVISA statutes, a deficiency claim can not be valid unless all required notices were duly provided in a proper and timely manner. Additionally, strict adherence to the allowable redemption and cure time limits is required for such a claim to be legitimate. 
I hereby request that you provide me with copies of the legal notices pertaining to the repossession, as well as evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold. 
Failure to furnish the requested proof within 14 days from the receipt of this notice will render the alleged deficiency claim null and void. Any further collection activities or continuation of reporting this unsubstantiated claim on my credit reports will be regarded as a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Furthermore, I wish to remind you that non-compliance with the aforementioned requests may result in my pursuit of legal action and seeking damages against all parties involved, in accordance with all available State and Federal statutes, as well as UCC 9 remedies. 
I expect a prompt response to this matter, and I thank you for your attention to this concern. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
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 has repeatedly and blatantly violated my rights. I looked at my Experian credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. This is a clear violation of the Fair Credit Reporting Act, a law that mandates consumer reporting agencies to assure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681e ( b ). According to 15 USC 1681i, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general, 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 consumer 's file or modify it, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the consumer 's file. According to 15 USC 1681s-2, they are supposed not to 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 explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under federal law 15USC OF THE FAIR CREDIT REPORTING, I am untitled to a fair and accurate reporting of my credit. I have filed an identity theft report on this issue and Im looking for assistance in taking care of this issue. This is my last stop before moving to legal action against these credit agencies

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 2024-12-04 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: OH

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Received notice of a small claims lawsuit filed by XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXX, WI on behalf of XXXX XXXX XXXX, LLC without any prior communication, alleging they made a previous demand for payment and repeatedly sent monthly statements, and that I did not object creating an account stated between them and me despite me owning no debt and them having no contract or evidence of a debt.

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 2024-12-04 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: OH

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by your agency. Your agency has violated my consumer rights and violated federal law. I am attempting to notify you privately of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

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