vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX  Child Support XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Child Support XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX from Car Max and returned in within their XXXX time frame. I never made any payments on the car, and didn't even know that the loan was on my credit report. I reached out to Car Max in early XXXX and was advised by the young lady that she would forward my issue to the Credit Dept. and that it could take up to 6 weeks to resolve. Well on XX/XX/XXXX, I decided to dispute the account and related balance directly with XXXX. I uploaded the Car Return documents to the XXXX portal. I received an update from XXXX on XX/XX/XXXX that the outstanding car loan and balance was verified as ACCURATE. It makes no sense to cause me this much stress. Even if you call the Carmax Finance XXXX number, that account has a XXXX balance. PLEASE REMOVE THIS ACCOUNT AND RELATED BALANCE FROM MY CREDIT REPORTS. I RETURNED THE CAR WITHIN YOUR POLICY GUIDELINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I communicated to XXXX XXXX XXXX via email on XX/XX/2021 that this account belonged to my ex-husband but was mistakenly reporting my credit report. The Team Lead at XXXX XXXX XXXX agreed to delete the account once paid as a courtesy deletion. I am not legally responsible for my ex-husband 's payment ; however, I agreed to pay the balance because it affected my credit report and was not very expensive. I submitted an Equifax dispute, and after the investigation, Equifax UPDATED the collection item instead of deleting it. I am including written correspondence from XXXX XXXX XXXX where they agreed to request that all three credit bureaus delete the item as a courtesy deletion. My complaint with Equifax is related to their investigation - now I have to wait an additional 30 days to have this information removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX and there is XXXX inquired on XX/XX/XXXX. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.

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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XX/XX/XXXX, XXXX filled out an auto loan through XXXX XXXX web site. XXXX from XXXX XXXX  called to let me know that on Trans Union credit report still shows my student loans due, I told XXXX that it has been years since I went to school. Sent pictures of XXXX credit report showing zero student loans. I did fill out a dispute about the student loans on Trans Union web site. 
I contacted Trans Union to inform them of the mistake of the student loans still showing up on my credit. I was informed, nothing will be done to remove the loans for 30 days for disputes takes, or till they get the refusal letters from the banks for an auto loan. 
Student Loans are to stay for 7 years, some of the student loans show up to 14 years.

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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I communicated to Caine & Weiner via email on XX/XX/2021 that this account belonged to my ex-husband but was mistakenly reporting my credit report. The Team Lead at Caine & Weiner agreed to delete the account once paid as a courtesy deletion. I am not legally responsible for my ex-husband 's payment ; however, I agreed to pay the balance because it affected my credit report and was not very expensive. I submitted an XXXX dispute, and after the investigation, XXXX UPDATED the collection item instead of deleting it. I am including written correspondence from Caine & Weiner where they agreed to request that all three credit bureaus delete the item as a courtesy deletion. My complaint with XXXX is related to their investigation - now I have to wait an additional 30 days to have this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow up to my previous complaint with COMPLAINT ID # XXXX originally filed on XX/XX/XXXX. I received a second response from EQUIFAX on XX/XX/XXXX. Unfortunately, out of the 9 accounts I submitted complaints about, because of the gross inaccuracies and discrepancies in them, EQUIFAX complied with my request to " DELETE '' only on five of them. The failure of EQUIFAX to accurately report these items on my credit report as of the time I filed my initial complaint on XX/XX/XXXX violated my FRCA right and prompted my initial complaint against them regardless of any correction or update on their part later. I hereby demand that EQUIFAX without further delay " DELETE '' the remaining 4 accounts and take full accountability for their negligence and blatant failure to accurately report my accounts. 


XXXX XXXX XXXX ( Account # XXXX ) XXXX Account Type Detail : Credit Card Account Status : Closed Date opened : XX/XX/XXXX High Credit : {$17000.00} Credit limit : {$16000.00} Last date of payment : XX/XX/XXXX EQUIFAX Account Type Detail : Credit Card Account Status : Paid Date opened : XX/XX/XXXX High Credit : {$0.00} Credit limit : {$16000.00} Last date of payment : XX/XX/XXXX XXXX Account Type Detail : - Account Status : Paid Date opened : XX/XX/XXXX High Credit : {$15000.00} Credit limit : {$0.00} Last date of payment : XX/XX/XXXX XXXX XXXX  ( Account # XXXX ) XXXX  Date opened : XX/XX/XXXX Credit Limit : {$6600.00} High Credit : {$7700.00} Last date of payment : XX/XX/XXXX EQUIFAX Date opened : XX/XX/XXXX Credit Limit : {$6600.00} High Credit : {$0.00} Last date of payment : XX/XX/XXXX XXXX  Date opened : XX/XX/XXXX Credit Limit : {$0.00} High Credit : {$7600.00} Last date of payment : XX/XX/XXXX XXXX  XXXX XXXX XXXX Account # : XXXX Account Type Detail : Credit card Account Status : Paid Date opened : XX/XX/XXXX High Credit : {$2700.00} Payment Status : Current Last date of payment : XX/XX/XXXX EQUIFAX Account # : XXXX Account Type Detail : Credit card Account Status : Paid Date opened : XX/XX/XXXX High Credit : {$2700.00} Payment Status : Late 30 days Last date of payment : XX/XX/XXXX XXXX  Account # : XXXX Account Type Detail : - Account Status : open Date opened : XX/XX/XXXX High Credit : {$0.00} Payment Status : Current Last date of payment : - UNIVERSAL PAYMENT CORP EQUIFAX Account Type Detail : Unsecured loan Monthly Payment : {$0.00} No. of Month ( Terms ) : 3 Payment Status : Collection/chargeoff Last date of payment : XX/XX/XXXX XXXX  Account Type Detail : Collection Monthly Payment : {$220.00} No. of Month ( Terms ) : XXXX Payment Status : Late 120 Days Last date of payment : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
Purchased a vehicle from US Auto Sales on XX/XX/XXXX for {$22000.00}. I found out XX/XX/XXXX that I could not pay my bill online like I normally do. Once I tried to call US Auto Sales, it stated that the loan was transferred to collections under XXXX XXXX XXXX. I started to XXXX and search social media and that's how I found out that US Auto Sales closed down and many accounts were transferred to collections. Not sure what is going on with things like titles and gap insurance but I'm hesitant on making the next move without some answers. My vehicle is almost paid off.

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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your 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 non-monetary relief
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is in regards to my initial complaint made on XX/XX/23. Transunion mailed my results but did not provide their method of investigation. Who did you speak with from the companies? What date did you speak with them? What is the address of the companies? What is their telephone number? Provide the disclosures between me and the companies of me giving them permission to report on my credit. According to 15 U.S.C 1681 section ( a ) ( 4 ), I have a right to privacy on my consumer report. I did not consent to these companies to report, and they are in violation of my rights.

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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There is an account on my credit report from XXXX XXXX XXXX that I closed out in XXXX and paid the account in full. For the last 8 years this account has been showing an Open status with negative reporting. I have disputed this account multiple times through Experian with the latest dispute being in XXXX and another time in XXXX to correct the account information. Experian refuses to correct the information even after Ive provided documentation to show this account as closed and paid in full. Experian is purposely showing this account as Open with negative marks to continue to provide a low credit score. This is a closed account and I want my credit report to reflect the accurate information.

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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XXXX XXXX XXXX, XXXX  I contacted the following credit Bureaus XXXX, TRANSUNION, AND XXXX, I filed several disputes, it has been over 30 days and I have received no answers to my disputes, pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES, once a consumer has filed a dispute the credit bureaus have 30 days to respond, they have not done so this is a violation.

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 2023-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: MS

Complaint narrative:
A XXXX  Account Was Created By my Sister and Yes I Signed For Her To Get The Account and She Must Have Default on it, Well, Later XXXX Written Off and/or Discharged The Account About a Year Ago and Now Some Other Company Must Have Brought The Account and They are Citing My Credit as Collections, I Did Dispute it When it Was With XXXX  and I Dispute This One Also. I Also Have Others That I'm Paying Back Through XXXX XXXX and It's Showing as Delinquint But It's Not I'm Paying Them, It's Just Through XXXX XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX and returned in within their 30-day time frame. I never made any payments on the car, and didn't even know that the loan was on my credit report. I reached out to XXXX XXXX in early XXXX and was advised by the young lady that she would forward my issue to the Credit Dept. and that it could take up to 6 weeks to resolve. Well on XX/XX/XXXX, I decided to dispute the account and related balance directly with Experian. I uploaded the XXXX XXXX documents to the Experian portal. I received an update from Experian on XX/XX/XXXX that the outstanding car loan and balance was verified as ACCURATE. It makes no sense to cause me this much stress. Even if you call the XXXX XXXX XXXX number, that account has a XXXX balance. PLEASE REMOVE THIS ACCOUNT AND RELATED BALANCE FROM MY CREDIT REPORTS. I RETURNED THE CAR WITHIN YOUR POLICY GUIDELINES.

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 2023-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
Revvi closed my account a few days after I paid {$200.00} to come current, which I had to find out through my credit report. They are still charging me late fees interest and reporting late payments to the credit report agencies. Also didn't click it earlier but I did have to pay a fee to activate the card I can not remember the amount exactly I think it was {$80.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE

Complaint narrative:
On XX/XX/2023 I purchased four ticket to XXXX. The site showed an amount ( {$6800.00} ) but my credit card was charged more ( {$7800.00} ). 
I immediately called my credit card to cancel the transaction, the agent confirmed the cancellation but a few days later I noticed the payment was still pending on my cc. When I called my credit card customer service they asked me to call the merchant which I tried to do but with no success.

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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXXXXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX  XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXXXXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX  XXXX XXXX inquired on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, 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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief