vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 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: FL

Complaint narrative:
Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the XXXX XXXX, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under XXXX. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX  to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, 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 2024-10-10 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: UPGRADE, INC.
State: CA

Complaint narrative:
UPGRADE violated Federal Privacy Notices & Privacy Policy by reporting the account to XXXX and XXXX. 
Specifically UPGRADE Privacy Policy states that it DOESN'T SHARE personal information with non-affiliates. See attachement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berman & Rabin, P.A.
State: CA

Complaint narrative:
In XX/XX/year>, XXXX XXXX XXXX emailed me try to collect {$1000.00} for XXXX XXXX. I have been arguing with XXXX XXXX for a long time and asking for itemized receipt for the carpet replacement {$710.00}, apartment cleaning {$290.00} and paiting {$270.00}. However, XXXX XXXX refused to respond and sent this unvalidated debt to debt collector. So I submitted a claim also to attorney general of the state and confirmed it is required by law to provide detailed documentation within 21 days of moving out for any charge more than XXXX  XXXX letter has been shared with the debt collector as well. Still, they ignored my statement and tried to collect the debt that I am not responsible to. 
In addition, I want to mention that XXXX XXXX tried to hide the detail of the charge when providing the new statement to the debt collector ( using confusing name " one time concession '' instead of apartment cleaning and carpet replacement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elite Recovery Group LLC
State: CO

Complaint narrative:
I have asked this debt collection agency to send proper debt validation to me several times via email and by phone. XXXX XXXX, a manager at Elite Recovery Group LLC, has sent me a debt ledger via email with another mans name on it, and my own, and explained to me that if I wanted a proper validation to send a written request via email to Elite Recovery Group. I sent the written request same day ( XX/XX/year> ). After not receiving a response for XXXX days I called again. XXXX was very curt with me and instructed me to email their support team to receive proper validation. Elite recovery group stated they sent me validation several times, but Ive never received it. I believe they are lying to me and are not able to actually validate the debt. I dont believe theyve ever sent me a proper validation, or if theyve sent XXXX out it went to XXXX XXXX XXXX They also stated I did confirm the debt, which I have never done. XXXX informed me that I have disputed this debt once a month over the course of XXXX years which is highly untrue. This agency clearly has no issue with lying to me, therefore I can not trust anything they say. Then I received a voicemail from XXXX stating the ledger IS enough to validate the debt. The information she is giving me as a representative of Elite Recovery Group is highly inconsistent. The amount they claim I owe has also fluctuated. Her approach over the phone is very aggressive. Please see email correspondence and transcript of XXXX voicemail attached. This debt mostly likely belongs to XXXX XXXX, the name listed on the ledger.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I took out an installment loan from XXXX XXXX, but it was later charged off with a balance of {$160.00} in XX/XX/2024. The charged-off status has been reported on my credit file for XXXX and XXXX. Even though it was charged off, it was sent to XXXX XXXX debt collection agency. XXXX XXXX offered a discount if I paid the balance in full, which I did on XX/XX/2024. They sent an email confirming that " this payment resolves your balance with XXXX, XXXX. Provided that any payment you made is not returned unpaid, we will report to XXXX XXXX XXXX that this account is resolved and no further attempts will be made to collect on your account. '' Despite disputing this account with Experian, XXXX has stated that the account balance is still {$160.00} and the account is open.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: I.C. System, Inc.
State: MI

Complaint narrative:
Hello. I work in the mortgage industry and it was brought to my attention that several of my state licenses are in jeopardy from a collection that showed up on my credit report recently. Were it not for this credit report, I would not have known about the existence of this debt at all. I haven't had any communication from XXXX about the debt and no collector has made any attempts to make it known to me I owe the debt either. I called XXXX via this number XXXX. This number actually forwards you to another company " IC systems ''. So XXXX is not willing to really speak about the debt directly. The account number on my credit report is XXXX. 

I spoke with IC systems via this automatic transfer I did not ask for. They explained that the debt was from XXXXXXXX XXXX XXXX and that two notifications were sent about the debt but not until XX/XX/XXXX and XX/XX/XXXX. I did not receive any communication from either company via mail or otherwise. When speaking to IC systems, they didn't really have an answer for how I owed the debt or what it specifically was for. They basically just kept pivoting to trying to collect a payment instead of providing evidence for the debt or showing how it came to be. According to them as of today the deb is {$800.00} plus an additional " collection fee '' of XXXX for a total of {$880.00} owed on the debt. 

I got the relevant information to place a complaint with the corresponding attorney general which appears to be NJ as IC systems is based there. IC systems declined to share the mailing address for themselves or XXXX and did not explain what to do if I didn't think its my debt. I also was never given any debt collection rights, including the right to get information about the original creditor within 30 days of getting validation information from the collector. 

Then today on XX/XX/XXXX as well, I called XXXXXXXX XXXX  general customer service line. They were unable to confirm I had any outstanding debt or balance with them at all. In fact the representative said " they can't see anything '' in relations to the account number XXXX. According to XXXX, the debt actually doesn't exist so I'm very skeptical of this IC systems company attempting to collect this made up debt. There is no proof of this debt, how it came to be or where it stems from.

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 2024-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VT

Complaint narrative:
I parked my XXXX XXXX XXXX XXXX XXXX airport parking in XXXX on XX/XX/XXXX upon my return on XX/XX/XXXX, I discovered my vehicle had been stolen. A police report was made and a claim filed with XXXX insurance company. The issue I have been having is with Toyota Finan Services. The payoff amount was for {$26000.00} with the first check being issued to Toyota on XX/XX/XXXX, check # XXXX. Toyota sent me a letter indicating they had not received the payment ; therefore, the insurance company cancelled that check and issued a new check on XX/XX/XXXX, # XXXX was overnighted and XXXX XXXX tracking indicates Toyota receive in XX/XX/XXXX. Confirmation number XXXX. Toyota ended up cashing the first check that they claimed to had not received, the 1st check bounced because it had already been cancelled. Toyota reopened my account and somehow also lost the 2nd check. On XX/XX/XXXX a third check was issued to Toyota, # XXXX. Toyota closed my account again with a payoff amount of {$17000.00}. I continued to make my regular payments of {$630.00} and also additional payments of {$2000.00} and {$4000.00} were made in my hopes to desperately try to reduce my payoff amount so I could proceed with getting another vehicle. Therefore Toyota owes me over {$8000.00}. While Toyota closed my account after receiving the 3rd check from the insurance company, by the next day they had reopened my account saying the check was sent to the wrong address and they have to send the payment to the correct address, mind you the payment address was provided my Toyotas team. The following day my XXXX XXXX called me and said my account was closed again and we can proceed with me picking up my new vehicle. I got a new vehicle after months of waiting for this issue to get resolved, my new loan is through another finance company. Only business I had left with Toyota Financial was the matter of the over {$8000.00} owed to me. I received an overpayment check of XXXX # XXXX, dated XX/XX/XXXX. This amount is no where close to what XXXX owes me, on top of that they have again reopened my account showing a balance owed of {$27000.00}. Every time I speak with XXXX they tell me call back in a few days, wait for things to process through, on top of that they are saying my account is past due as I did not XXXX the payment for XXXX and at this point I do not intend to make any more payments to XXXX. XXXX owes me a lot of money, I have been so patient in this trying time and all I want is for them to close my account and refund me the over {$8000.00} dollars owed to me. They have been looping me around for months and no resolution, it is hard to believe that this huge reputable company does such a poor job with processing payments and resolving simple issues. Please help me resolve this issue as I have gotten nowhere with speaking to XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-10 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: GA

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 168b permissible purposes of consumer reports. 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. 

has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ XXXX XXXX XXXX  ] has furnished information that is either inaccurate or unverifiable. 

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant 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 non-monetary relief
Consumer complaint received 2024-10-10 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: GA

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 168b permissible purposes of consumer reports. 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. 

has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [XX/XX/XXXX] has furnished information that is either inaccurate or unverifiable. 

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed. 

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant 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 2024-10-10 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth:XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a ACCOUNT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES - 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: MD

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief