vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Violation of the Fair Credit Reporting Act ( FCRA ) by Equifax Details of the Complaint : On XX/XX/XXXX, I sent Equifax a packet containing seven credit disputes. I have a certified mail receipt confirming that Equifax received the correspondence on XX/XX/XXXX, via USPS Tracking Number XXXX. After realizing that I had not included necessary identification documents ( a copy of my driver 's license, social security card, and proof of residency ), I promptly sent a new packet containing the same XXXX disputes, this time including the required documents. The second packet was sent on XX/XX/XXXX, and USPS Tracking Number XXXX confirms that Equifax received it on XX/XX/XXXX. 

Despite these actions, Equifax failed to initiate or complete an investigation into my disputes within the XXXX timeframe required by the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681i ( a ) ( 1 ). On XX/XX/XXXX, I called Equifax at XXXXXXXX XXXX XXXX and spoke with a representative, who informed me that there was no active investigation and that my disputes were not pending any type of review. 

Under the FCRA, Equifax is obligated to investigate consumer disputes in a timely manner. If Equifax can not verify the accuracy of the disputed information, it must delete the items from my credit report. Equifaxs failure to comply with this legal requirement has left inaccurate negative information on my credit profile, causing significant harm.

Impact of the Violation : Equifaxs negligence has resulted in negative and inaccurate information remaining on my credit report. This failure has directly impacted my ability to access credit and secure housing, as lenders and landlords rely heavily on accurate credit reporting to make decisions. The presence of this false information has caused undue stress, financial hardship, and a diminished quality of life, which could have been avoided had Equifax honored its obligations under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Reconsideration Request for Fraud Block Declination - File Number : XXXX Dear TransUnion, Thank you for your prompt response to my fraud block request. I appreciate your commitment to ensuring accurate credit reporting. However, I respectfully disagree with your decision to decline my request to block the disputed account ( s ) under Section 605B of the FCRA.

Key Points of My Dispute : 1. Fraudulent Activity Confirmed : The account ( s ) in question were opened or manipulated without my authorization. The payments or transactions you referenced were not made by me and should not be used as a basis to deny my fraud claim.

2. FCRA Compliance : Section 605B of the FCRA provides protections for victims of identity theft. I have submitted the required documentation, including my police report and/or affidavit, as proof of the fraud. The presence of prior payments or disputes does not negate the fraudulent nature of the account.

3. Request for Reconsideration : I urge you to conduct a thorough review of my case and reevaluate your decision. Additionally, please provide specific details about why you believe the fraud block request is a misrepresentation of material facts. This will help me provide any further supporting documentation necessary.

4. Legal Protections and Next Steps : If you maintain your decision to deny this request, I will be compelled to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seeking legal counsel to ensure my rights are upheld under the FCRA.

I kindly request that you expedite this matter, as the fraudulent account ( s ) are causing significant harm to my credit report and financial well-being.

Thank you for your attention to this matter. Please confirm receipt of this letter and let me know if additional information is required to resolve this issue. 

Sincerely, XXXX XXXX This response emphasizes my rights under the FCRA and sets the stage for further action if needed.

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 2025-01-11 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: IN

Complaint narrative:
I 'am a victim of XXXX XXXX an unfortunate ordeal that has profoundly impacted my life in a dramatic manner. 

As a result of this harrowing experience, I have suffered severe injuries and continue to endure immense pain. It is crucial for my well-being and future prospects that the information pertaining to this traumatic event be blocked from my credit report immediately. I fear that the presence of such sensitive details on my credit history could have far-reaching repercussions and hinder my ability to move forward. 

I implore you to take swift action in addressing this matter and ensure that the necessary steps are taken to safeguard my privacy and protect me from any potential harm that may arise from the unauthorized disclosure of this information. Your cooperation and prompt attention to this request are deeply appreciated.

I kindly request that you provide me with confirmation once the information has been successfully blocked from my credit report. Please be assured that I am committed to providing any additional documentation or information that may be required to facilitate this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT XXXX XXXX PER VIOLATION OR REMOVE ACCOUNT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT XXXX XXXX PER VIOLATION OR REMOVE ACCOUNT!

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Inaccurate payment history I was never late I was always on time XXXX XXXX  Opened XX/XX/year> {$0.00} I am writing to formally dispute the accuracy of the reporting related to the above-referenced account under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the claim that this account was ever delinquent or late in any of its payments. 

The account in question, opened on XX/XX/year>, has a {$0.00} balance, and I have consistently fulfilled my payment obligations in a timely manner. There have been no late payments recorded during the lifetime of this account. Accordingly, I request that the accounts payment history reflects this fact and that any negative information be corrected immediately to state that the account was paid on time and in good standing.

Under the FCRA ( 15 U.S.C. 1681i ), I am entitled to an investigation into the disputed information. Furthermore, under the FDCPA ( 15 U.S.C. 1692e ), it is unlawful to report inaccurate or misleading information to credit reporting agencies. The inaccurate reporting of my payment history is a violation of these provisions. 

I have attached all relevant documentation, including account statements and proof of payment, to support my claim. Please conduct a thorough investigation into this matter and correct the erroneous information on my credit report. I expect confirmation in writing that the corrections have been made.

If the negative reporting persists without correction, I will consider pursuing further action, as I am entitled to seek remedies under both the FDCPA and the FCRA.

Thank you for your prompt attention to this matter. Please respond within the 30-day period mandated by law. 

Respectfully XXXX XXXX XXXX UCC-1-308 Without Prejudice

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Inaccurate payment history I was never late I was always on time XXXX XXXX Opened XX/XX/year> {$0.00} I am writing to formally dispute the accuracy of the reporting related to the above-referenced account under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the claim that this account was ever delinquent or late in any of its payments. 

The account in question, opened on XX/XX/year>, has a {$0.00} balance, and I have consistently fulfilled my payment obligations in a timely manner. There have been no late payments recorded during the lifetime of this account. Accordingly, I request that the accounts payment history reflects this fact and that any negative information be corrected immediately to state that the account was paid on time and in good standing.

Under the FCRA ( 15 U.S.C. 1681i ), I am entitled to an investigation into the disputed information. Furthermore, under the FDCPA ( 15 U.S.C. 1692e ), it is unlawful to report inaccurate or misleading information to credit reporting agencies. The inaccurate reporting of my payment history is a violation of these provisions. 

I have attached all relevant documentation, including account statements and proof of payment, to support my claim. Please conduct a thorough investigation into this matter and correct the erroneous information on my credit report. I expect confirmation in writing that the corrections have been made. 

If the negative reporting persists without correction, I will consider pursuing further action, as I am entitled to seek remedies under both the FDCPA and the FCRA. 

Thank you for your prompt attention to this matter. Please respond within the 30-day period mandated by law. 

Respectfully XXXX XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IA

Complaint narrative:
I used my chime account for everything including direct deposit, and one day I received a notice that my account was closed and they refused to give any information nor have they ever allowed me to reopen the account,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXXTo Whom It May Concern, XXXX [ Consumer Financial Protection Bureau ( CFPB )/ Federal Trade Commission ( FTC )/ State Attorney General XXXXSubject : XXXX Complaint Regarding Violations of the Fair Debt Collection Practices Act ( FDCPA **I am writing to formally complain about the practices of CAPITAL ONE BANK USA in relation to my charged-off account # XXXXXXXX XXXXDetails of the Complaint : - I contacted representatives of CAPITAL ONE regarding my charged-off account, which is reflected on my credit report. 

During these interactions, I experienced a tone that was very demanding and created a sense of fear in me. 
The representatives employed communication methods that I believe violate the FDCPA. Specifically, when I asked about receiving a 1099C form, I was told I would not be getting one in a rude manner. This interaction was unprofessional. 

The aggressive nature of their communications has caused me significant distress and XXXX, making it difficult for me to manage my financial situation I request that an investigation be conducted into the practices of CAPITAL ONE and that appropriate action be taken to ensure compliance with the FDCPA. 

Thank you for your attention to this matter. I hope for a prompt resolution and appropriate action regarding the behavior of the debt collectors involved. I am willing to provide additional information if needed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Early warning is damaging my consumer report with false information when I asked to be provide documentation of why Im in there consumer they told me contact XXXX XXXX Ive reach out to rXXXX XXXX  and have proof of letter and documentation that I done owe the bank anything early warning is failing me from my success

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Global Lending Services LLC
State: SC

Complaint narrative:
The car was over charged with late fees the balance was paid off but they charged me XXXX dollars more in fee. The car was repossess and sold at an auction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
On XX/XX/year>, Equifax was scheduled to remove eight unauthorized inquiries from my credit report. Instead, an Equifax employee mistakenly removed all of my accounts from my credit report, causing my credit score to plummet from XXXX ( Very Good ) to XXXX. 

This error has had devastating consequences on my financial stability, including : 1. Housing Denial : I was denied approval for a place to stay.

2. Vehicle Purchase Disruption : On XX/XX/year>, I was unable to secure financing for a vehicle I planned to purchase. 
3. Credit Denials : I was denied multiple credit card applications due to the sudden and drastic drop in my credit score.

This situation has caused me significant emotional distress and financial loss. Equifaxs error has directly impacted my ability to secure housing, transportation, and necessary credit, all of which were essential to my financial plans and personal well-being.

I am filing this complaint with the CFPB to : 1. Ensure Equifax restores my credit report to its correct state and reinstates my accurate credit score.

2. Hold Equifax accountable for the error and require an explanation of how it occurred.

3. Obtain assurance that Equifax will take corrective measures to prevent similar errors in the future.

4. Seek compensation for the financial and emotional damages caused by this error.

Equifaxs failure to manage my credit data responsibly has caused a severe and unjustified burden on me. I urge the CFPB to investigate this matter and hold Equifax accountable for its negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Against TransUnion for Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am filing this formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness. 
Details of the Reported Late Payments : TransUnion : Late payment reported in XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reported in XX/XX/XXXX is inaccurate and has not been corrected despite multiple disputes. 
15 U.S. Code 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in this case. 
Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of the late payment suggests noncompliance with this requirement, violating consumer rights to timely and accurate disclosures. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The erroneous late payment on this account violates these protections.

Resolution Sought : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation from TransUnion that this correction has been made. 
If this issue is not resolved promptly, I will escalate this matter further, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, 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 2025-01-11 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: NY

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

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/year> The following inquiries were not and should not be reporting.

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 2025-01-11 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: NY

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> The following inquiries were not and should not be reporting.

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 2025-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CarMax, Inc.
State: FL

Complaint narrative:
The account number XXXX XXXX Carmax Auto Finance This company took my car without notice. We went to complain because the license plate was being used by someone else. No information was ever sent about the sale of the unit. They didn't let us pick up anything at the time of pick-up. We even lost our work tools. They sold the car and didn't say anything. I've had this on my report for over 7 years. This balance is incorrect.This company took my car without notice. We went to complain because the license plate was being used by someone else. No information was ever sent about the sale of the unit. They didn't let us pick up anything at the time of pick-up. We even lost our work tools. They sold the car and didn't say anything. I've had this on my report for over 7 years. This balance is incorrect.

Company response to consumer: Closed with explanation