vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase 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 non-monetary relief
Consumer complaint received 2024-06-07 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase 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 2024-06-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint against the credit bureaus for their failure to comply with the removal of unauthorized inquiries from my credit report. Despite repeated requests, these inquiries, which were made without permissible purpose, remain on my report, adversely impacting my creditworthiness. These companies had no legitimate reason to access my credit information, yet their unauthorized actions continue to affect my financial standing. Such non-compliance with the Fair Credit Reporting Act ( FCRA ) undermines my rights as a consumer and can have severe consequences on my financial well-being.

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 2024-06-07 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXXXXXX Account Number : **** Delete this account. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to lodge a formal complaint against Experian regarding the mishandling of a collection account associated with XXXX XXXX XXXX, Account # XXXX, which has resulted in multiple violations of federal laws governing consumer credit reporting and debt collection practices. 

Failure to Provide Validation ( Violation of FCRA Section 611 ) : Despite my request, Experian has neglected to provide adequate validation of the collection account in question, as required by the Fair Credit Reporting Act ( FCRA ) Section 611. This provision mandates that credit reporting agencies must conduct a reasonable investigation and provide verification of disputed information within 30 days. Experian 's failure to fulfill this obligation constitutes a clear violation of my rights as a consumer under the FCRA. 

Duplicate Reporting ( Violation of FCRA Section 623 ) : Experian has reported the same collection account twice on my credit report, thereby violating the accuracy and integrity standards set forth in the FCRA Section 623. This provision stipulates that consumer reporting agencies must ensure the maximum possible accuracy of the information provided in consumer reports. Experian 's duplication of the collection account not only misleads creditors and lenders but also harms my creditworthiness and financial standing. 

Unauthorized Reporting ( Violation of FCRA Sections 604 and 607, FDCPA Section 807 ) : Experian added the collection account to my credit profile without obtaining my express written or verbal permission, nor did they receive information from a court or government agency, as required by the FCRA Sections 604 and 607. Additionally, this action violates the Fair Debt Collection Practices Act ( FDCPA ) Section 807, which prohibits debt collectors from making false or misleading representations in connection with the collection of any debt. Experian 's unauthorized reporting of the collection account constitutes a blatant violation of these provisions and undermines the integrity of the credit reporting system. 

Willful Noncompliance ( Violation of FCRA Section 616 ) : Experian 's repeated failure to comply with the FCRA 's requirements, despite being aware of its obligations, may be considered willful noncompliance under FCRA Section 616. This provision allows for civil penalties to be imposed on credit reporting agencies that willfully fail to comply with the FCRA 's provisions, further underscoring the seriousness of Experian 's actions.

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Sales credit card is reporting a late payment but I informed them I filed bankruptcy chat XXXX not sure why this was not updated I filed XX/XX/year> and it was XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: SC

Complaint narrative:
I sent a transfer in the sum of {$1400.00} through MoneyGram on XX/XX/year> to be deposited to a bank account. It's been over XXXX month now and the transaction is still saying " processing '' on the MoneyGram site. This money was supposed to be for an emergency a month ago. It has not been credited to the bank account and MoneyGram is refusing to cancel/refund my money, which they have already taken from my debit card. They are claiming that it will take 90 days to investigate what happened. I do not have 90 days to be out of {$1400.00}. This has put me and my family in a big bind. The transaction reference number is : XXXX. 

Please help me as this money is needed urgently. Thank you in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-07 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was charged insurance fees for my car loan. I am on my last payment. I was told I did not have full coverage insurance with my carrier and sent them proof of being insured. The paper i sent them did not list them as the lien holder and I contacted statefarm to make sure they corrected the mistake. Lobel said even if statefarn makes that correction, they will still charge me for the insurance even though I was fully covered. All I want is for them to remove all the additional fees so I can make my final payment to own my car. This conversation all happened today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
FIRST PROGRESS CARD I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This company has violated my rights, since the account was reported month after month in charge off ( XXXX ) and this is illegal. In addition, the full payment of the account was agreed with the entity and it was verbally agreed that it would not be reported on 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 non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: PA

Complaint narrative:
I was looking into XXXX to help build up my credit and basically what they have is you pay so much a month and then at the end of it you get the money that you put in I signed up and never actually went through with getting the card, the card was never delivered me. I never used it never even signed up. They say I signed up but never paid. Ive tried to write them emails now. Theyre on my credit report trying to collect the money and whenever I talk to them, they said you never even signed up so it just doesnt make sense. Its not right that they would go forward with signing up for a card that I wasnt even interested in. I just looked at it. An account never signed authorize savings plan or whatever it is, I tried to be nice to them. Ive disputed and they are business. I want it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Urgent Demand for Removal of Outdated and Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to demand the immediate removal of several items from my credit report that are both inaccurate and beyond the statute of limitations. It has come to my attention that despite being time-barred, the following accounts continue to be reported on my credit file : XXXX XXXX {$9400.00} Balance updated XX/XX/XXXX XXXX XXXX {$0.00} Balance updated XX/XX/XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX Balance {$1200.00} Balance updated XX/XX/XXXX XXXX Balance {$2200.00} Balance updated XXXX XXXX, XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$510.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$680.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$2900.00} Balance updated XX/XX/XXXX These debts have exceeded the legally enforceable time frame for collections, and their inclusion on my credit report is not only misleading but also violates my rights under the Fair Credit Reporting Act ( FCRA ). I expect your agency to adhere to the precedent set by the court cases : XXXX v. XXXX. XXXX, XXXX ( XXXX ) : This case involved the removal of time-barred debts from a consumer 's credit report. The court held that attempting to collect or report time-barred debts violates the FDCPA, and consumers have the right to dispute and have such debts removed from their credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : In this case, the court ruled that debt collectors must accurately report the status of debts on a consumer 's credit report. If a debt is disputed and found to be inaccurate or time-barred, it must be removed from the credit report in accordance with the FDCPA. 



In light of the court ruling mentioned above, failure to promptly remove these items from my credit report will compel me to pursue all available legal remedies against your agency for non-compliance with federal regulations and court decisions. 



I insist on a thorough investigation into these matters and the immediate removal of the aforementioned items from my credit report. Additionally, I request a written confirmation detailing the actions taken to resolve this dispute and the updated status of my credit report. 



Your cooperation in rectifying this urgent matter is not only expected but legally mandated. Any further delay or negligence will result in legal action being pursued against your agency. 



Thank you for your immediate attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Urgent Demand for Removal of Outdated and Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to demand the immediate removal of several items from my credit report that are both inaccurate and beyond the statute of limitations. It has come to my attention that despite being time-barred, the following accounts continue to be reported on my credit file : XXXX XXXX {$9400.00} Balance updated XX/XX/XXXX XXXX XXXX {$0.00} Balance updated XX/XX/XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$1200.00} Balance updated XX/XX/XXXX XXXX Balance {$2200.00} Balance updated XXXX XXXX, XXXXXXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$510.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$680.00} Balance updated XX/XX/XXXX XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX Balance {$2900.00} Balance updated XX/XX/XXXX These debts have exceeded the legally enforceable time frame for collections, and their inclusion on my credit report is not only misleading but also violates my rights under the Fair Credit Reporting Act ( FCRA ). I expect your agency to adhere to the precedent set by the court cases : XXXX v. XXXX. XXXX, XXXX ( XXXX ) : This case involved the removal of time-barred debts from a consumer 's credit report. The court held that attempting to collect or report time-barred debts violates the FDCPA, and consumers have the right to dispute and have such debts removed from their credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : In this case, the court ruled that debt XXXX must accurately report the status of debts on a consumer 's credit report. If a debt is disputed and found to be inaccurate or time-barred, it must be removed from the credit report in accordance with the FDCPA. 



In light of the court ruling mentioned above, failure to promptly remove these items from my credit report will compel me to pursue all available legal remedies against your agency for non-compliance with federal regulations and court decisions. 



I insist on a thorough investigation into these matters and the immediate removal of the aforementioned items from my credit report. Additionally, I request a written confirmation detailing the actions taken to resolve this dispute and the updated status of my credit report. 



Your cooperation in rectifying this urgent matter is not only expected but legally mandated. Any further delay or negligence will result in legal action being pursued against your agency. 



Thank you for your immediate attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: CA

Complaint narrative:
I am writing to file a formal complaint against the credit bureaus for their failure to comply with the removal of unauthorized inquiries from my credit report. Despite repeated requests, these inquiries, which were made without permissible purpose, remain on my report, adversely impacting my creditworthiness. These companies had no legitimate reason to access my credit information, yet their unauthorized actions continue to affect my financial standing. Such non-compliance with the Fair Credit Reporting Act ( FCRA ) undermines my rights as a consumer and can have severe consequences on my financial well-being.

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 2024-06-07 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: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate 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 2024-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
I paid off my truck on XX/XX/year>. I notified Chrysler not to take money out of my checking account and got a confirmation number XXXX that my auto payment was canceled. 

On XX/XX/year> Chrysler made an illegal transfer from my checking account of {$500.00}. 

I contacted customer service over chat and demanded an a refund as this was bank fraud. I owed them nothing, I revoked my auto payment, they confirmed it, and then they took money out of my account causing financial hardship. 

Today they said it will take 2 to 3 weeks for a refund for the illegally withdrawn monies. This is criminal. I did everything I was supposed todo and they still took monies they were not entitled to. 

Further, I had not debt owed to them, my truck being fully paid off, yet they took it anyways. I want my money and damages for this illegal fraud they committed, as I am sure they do it to many people all the time and think its ok to hold hostage my money for 2 to 3 weeks, not paying interest on it or answering questions about why they illegally transferred money from my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX Account Number : 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