vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 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: NC

Complaint narrative:
All three credit reporting bureaus were notified accompanied by legal documentation that my legal name is " XXXX '' but they are reporting my married name. I can not and have not used " XXXX, '' since being legally XXXX  in 2000. I have resumed the use of my maiden name, in the court of law. I can not legally use " XXXX '' and do not have any documentation with that name attached. Neither should these reports. Its been 23 years since I used " XXXX '' and my ex husband is now deceased too. My legal name is " XXXX. '' I have asked all three reporting agencies to remove XXXX but they refuse to. Instead, they add it along with XXXX different phone numbers that are not relevant. I do not have access to these phone numbers, XXXX or addresses I do not have access too either. This must stop at once because, when asked, I can not verify my identity due to all these different address and phone numbers and name that's not legally mine. After 2 written letters to dispute this incorrect information, I feel harassed at this point. This is the 2nd notice I've sent requesting that my personal information be corrected. I am trying to purchase a home soon and 10 or more phone numbers and addresses makes me look like a fugitive and unstable. When my husband was living, we did move quite often because he was in the XXXX  ( XXXX ). But again, that was over 25 years ago. I sent a copy of my federal ID and social security number. Along with supporting documentation as proof of my resident and phone number and legal name.

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 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TN

Complaint narrative:
Received letter on XX/XX/XXXX regarding a debt of {$3500.00} owed for breaking a lease. I was not aware this fee was owed. Send a letter to I.Q Data International , Inc. at XXXX XXXX XXXX XXXX, WA with the purpose of disputing and requesting a verification letter. I have received no communication back. I had assumed this was a scam or otherwise. 

On XX/XX/XXXX I noticed a collection hit on my credit report so I called IQ international inc and was told very rude that they never received my dispute and at this point it did not matter and that I owe the debt and need to pay it in full including interest. I have not received any voicemails or other communication from them since XX/XX/XXXX other than when I called on XX/XX/XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: CT

Complaint narrative:
I strongly urge the company to promptly remove the inaccurate account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-24 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: FL

Complaint narrative:
erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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

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 2023-05-24 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: FL

Complaint narrative:
erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I believe that they have been foraging paperwork for over a year now, and I need someone to look at this for me. My bank statement reflects that I made a payment of {$1000.00} on XX/XX/XXXX however Title Max and XXXX is claiming that I have a late fee or a late payment that was due on XX/XX/XXXX. How can this be so when my bank shows that I paid {$1000.00}. Not only this with the documents were forged in a different amount than what I paid when I called to ask them about this to try to have it rectified, because I still want my loan to be paid off the person on the other end of the line shows to speak to me, like some sort of XXXX, and ended up putting my account in default when it should not be. I am seeking assistance on this as I feel that paperwork has been forged for almost a year now. My account XXXX show as Current as of XX/XX/XXXX. I will not be making any payments until this is fixed. I would like to look into all the money that they have been taking from me each time I signed their forged paperwork over the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 4 . 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$370.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX, XXXX XXXX {$89.00} XX/XX/XXXXXXXX XXXX  XXXX, XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$250.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX {$370.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX, XXXX XXXX {$89.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$250.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2023-05-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have contacted Experian several times to inform them that there is information from a company called XXXX XXXX  on my consumer report that should NOT be visible on my report. I have NOT given them written consent to report them and Experian is aware of this. This is aggravated identity theft.

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 2023-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted Transunion several times to inform them that there is information from a company called XXXX XXXX on my consumer report that should NOT be visible on my report. I have NOT given them written consent to report them and Transunion is aware of this. This is aggravated identity theft.

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 2023-05-24 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: VW Credit
State: WI

Complaint narrative:
Volkswagen credit is reporting inaccurate information in my consumer report. There are multiple inaccuracies, discrepancies, inaccurate information, incomplete, untrue, unverified and incorrect information on my consumer report. Volkswagen has been very challenging to work with upon my requests and very misleading in the information they provide to consumers regarding disputes. 
The disputes I am requesting investigation into are the following under my consumer rights in accordance to FCRA and under 15 usc 1681, which stated factual information and the most accurate information must be reported. 
1 : inaccurate repossession status on consumer report. This furnisher is reporting an incorrect/ inaccurate repossession & reinstated loan status on this account. This load was completely paid in full and the account was closed in XX/XX/XXXX. Up until this date XX/XX/XXXX this furnisher has continued to actively report on a monthly Basis the same inaccurate information. This furnisher has failed to update the account status to closed and paid as agreed for the last 7+ years. This needs to change and be updated to closed and paid as agreed. 
This creditor unlawfully repossessed the vehicle in XX/XX/XXXX. After a payment plan was agreed to by the billing department, the creditor later admitted it was a mistake on their behalf and reinstated the loan, however is was also inaccurate as the car shouldve never been repossessed so therefore should had a reinstated status, They never changed the status as it remained as repossessed and reinstated. This status needs to change to closed and paid as agreed. This violates my consumer rights under 15 usc 1681 which states transactions history by the consumer are not to be reported. 
2 : late payments discrepancies across all these credit reporting agencies. Volkswagen continues to report inaccurate and unverified text payments in my consumer report. They report multiple late payments across all agencies, all with different dates, length and months. This information needs to change and these late payments need to be removed and updated as paid as agreed never late. I request method and mode of verification of such information for each and every credit reporting agency that has been issued this information to. 
Lastly : I will attach the letters with the information I am disputing and the documentation Ive been keeping in my attempt to Work with this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I've been a loyal customer with GM financial for years. 

Upon reviewing my XXXX, XXXX, and XXXX credit reports, I observed a missed monthly payment in XX/XX/2022 is listed as a missed payment. 

In XX/XX/2022, I was out of work due to having a medical procedure. I was home recovering which led to financial hardship during this time. Ive had great experience with GM Financial and my goal is to maintain the relationship weve built over the past few years. 

My account history indicates that the past due balance was paid as well as the resulting late fee approximately 15 days later. Further, I have since made timely monthly payments and my account remains in good standing. I realized I made a mistake in falling behind 31 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: CarMax, Inc.
State: MS

Complaint narrative:
Since XXXX of this year, I have been looking to buy a home for myself and my sick uncle. When I reviewed my credit report, I realized that I have several damages on it. I have no knowledge of a few of these accounts, so on XX/XX/XXXX, I sent dispute letters to the credit bureaus, in an attempt to remove the fraudulent items from my report, with no success. When XX/XX/XXXX arrived, once again I sent dispute letters to the credit bureaus. This time, one account was deleted, but it was one that had been closed for over 10 years. Ive been doing a little research, and according to the 15 U.S.C 1681 Law, there should be no damages on my report, because its a defamation of my character. Im just trying to obtain a better living space for my uncle and me, and I cant do that because of these negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: NY

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-24 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: NC

Complaint narrative:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief