vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: NJ

Complaint narrative:
I am deeply concerned that you have included the information below in my consumer file and have failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports you publish, in violation of the Fair Credit Reporting Acts compliance procedures section, 15 USC 1681e ( b ).

I have contacted the Federal Trade Commission and filed a complaint, as detailed in the attached documentation. Please block and remove all inaccurate information from my credit report and send me an updated copy. By law, the listed items are a result of fraud and were not authorized by me The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2, the law clearly states : ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

If you do not initiate an investigation regarding my dispute and delete this information within four business days of receiving this notice, as mandated by 15 USC 1681c-2 under the Fair Credit Reporting Act, I will be compelled to take legal action to protect my credit rating and myself. Each violation of the FCRA entitles me to damages of {$1000.00}, which will be pursued in court if necessary.

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 2024-07-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX, I had a loan with XXXX XXXX, they promised to modify my property and they did not do it, they transferred it to XXXX XXXX and they did not comply with it, they transferred it to Selene and they want to put the property in court, they do not assert payments, please, I need help lr I want to pay and they don't confirm payments thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Acct XXXX XXXX This account was disputed on XX/XX/XXXX for inaccuracy. This account is now in violation of FCRA 623 ( A ) ( 3 ) notice of dispute. This account still does not have a notice dispute entered in the comment section. 

I again disputed this account on XX/XX/XXXX for XXXX date last active because its reporting differently on all three bureaus. XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for equifax. They should all be the same if the information is coming from the same Bureau. 

I dispute the account again on XX/XX/XXXX for continued payment history after the account has been closed. An account that has been closed should have no payment history after its been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-07-03 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: PA

Complaint narrative:
[ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Dear Sir/Madam, I am writing to formally request your assistance in resolving an urgent matter regarding erroneous information on my credit report, which is severely affecting my financial standing and potential future employment. 

Despite multiple attempts to address this issue directly with the XXXX XXXX XXXX and XXXX XXXX XXXX through email and letter, the matter remains unresolved. Specifically, two delinquent accounts are listed on my XXXX credit report under these institutions. I have no knowledge of ever applying for or holding credit cards with either of these banks. 

I am a victim of identity theft, and my personal information was exposed during the XXXX breach. Since then, I have received numerous notifications about accounts being created without my consent. To mitigate further damage, I have frozen my credit report and informed XXXX of my identity theft status. 

In a recent conversation with a representative from XXXX XXXX XXXX, it was confirmed that no account exists under my name within their records. Despite this confirmation, the erroneous account remains on my credit report. 

I respectfully request the immediate removal of the following accounts from my credit report : XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX  The presence of these accounts, which were opened without my permission, is not only inaccurate but also unjustly damaging my credit score and hindering my employment opportunities.

Given the critical nature of this situation, I urge your office to intervene and ensure that these inaccuracies are promptly corrected. I request that the involved institutions be directed to contact XXXX immediately to delete these erroneous accounts from my credit report. 

Please provide written confirmation once the necessary corrections have been made. Thank you for your prompt 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 2024-07-03 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: PA

Complaint narrative:
[ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Dear Sir/Madam, I am writing to formally request your assistance in resolving an urgent matter regarding erroneous information on my credit report, which is severely affecting my financial standing and potential future employment. 

Despite multiple attempts to address this issue directly with the XXXX XXXX XXXX and XXXX XXXXXXXX XXXX through email and letter, the matter remains unresolved. Specifically, two delinquent accounts are listed on my Experian credit report under these institutions. I have no knowledge of ever applying for or holding credit cards with either of these banks. 

I am a victim of identity theft, and my personal information was exposed during the XXXX breach. Since then, I have received numerous notifications about accounts being created without my consent. To mitigate further damage, I have frozen my credit report and informed Experian of my identity theft status. 

In a recent conversation with a representative from XXXX XXXX XXXX, it was confirmed that no account exists under my name within their records. Despite this confirmation, the erroneous account remains on my credit report. 

I respectfully request the immediate removal of the following accounts from my credit report : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX The presence of these accounts, which were opened without my permission, is not only inaccurate but also unjustly damaging my credit score and hindering my employment opportunities.

Given the critical nature of this situation, I urge your office to intervene and ensure that these inaccuracies are promptly corrected. I request that the involved institutions be directed to contact Experian immediately to delete these erroneous accounts from my credit report. 

Please provide written confirmation once the necessary corrections have been made. Thank you for your prompt 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 explanation
Consumer complaint received 2024-07-03 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: PA

Complaint narrative:
[ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Dear Sir/Madam, I am writing to formally request your assistance in resolving an urgent matter regarding erroneous information on my credit report, which is severely affecting my financial standing and potential future employment. 

Despite multiple attempts to address this issue directly with the XXXX XXXX XXXX and XXXX XXXXXXXX XXXX through email and letter, the matter remains unresolved. Specifically, two delinquent accounts are listed on my Experian credit report under these institutions. I have no knowledge of ever applying for or holding credit cards with either of these banks.

I am a victim of identity theft, and my personal information was exposed during the XXXX breach. Since then, I have received numerous notifications about accounts being created without my consent. To mitigate further damage, I have frozen my credit report and informed Experian of my identity theft status. 

In a recent conversation with a representative from XXXX XXXX XXXX, it was confirmed that no account exists under my name within their records. Despite this confirmation, the erroneous account remains on my credit report. 

I respectfully request the immediate removal of the following accounts from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The presence of these accounts, which were opened without my permission, is not only inaccurate but also unjustly damaging my credit score and hindering my employment opportunities.

Given the critical nature of this situation, I urge your office to intervene and ensure that these inaccuracies are promptly corrected. I request that the involved institutions be directed to contact Experian immediately to delete these erroneous accounts from my credit report. 

Please provide written confirmation once the necessary corrections have been made. Thank you for your prompt 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 explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CCM Finance LLC
State: GA

Complaint narrative:
My XXXX XXXX XXXX was repossessed by XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have a clear title from the State of XXXX  for the purchase of my car from a previous owner. XXXX XXXX in XXXX, XXXX  had my car repossessed and will not talk to me. I can not get in touch with the person I purchased it from. My title does not have a lienholder on it it is clear. I have a title and bill of sale. I called the police and they took a police report but said they can not report it stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: CarMax, Inc.
State: GA

Complaint narrative:
companie ( s ) reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: CL Holdings LLC
State: GA

Complaint narrative:
companie ( s ) reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: PA

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2024-07-03 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: MS

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: MS

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-03 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: NY

Complaint narrative:
My account with XXXX & XXXX CARD was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: MS

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

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 2024-07-03 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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