vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
this account was open on XX/XX/XXXX, with world omni financial Corp for a new car loan after XXXX months after I've lost my job but i already paid XXXX months ive called the dealer to let they know i can't move forward with the deal i need to return the car, they said okay we're send you a tow guy to pick it up tomowrow. after XXXX year this company decided to report me to all credit bureaus, then i have a delinquents account and pass due amount of {$15000.00} but they receive the car with XXXX miles only in a good condition and XXXX accident. after several years of complaints against this company with all credit bureaus they decided to close and removed the account from my credit report but still reflect on some credit bureau with wrong information showing as open. last years on XXXX XXXXXXXX 2023 this company decide to report to the IRS that my debt was cancelled with {$8600.00} or forgiveness with no further noticed, the surprised is I've not received any document about this report, i believed all those information 's is inaccurate i need to be clear on that, today i just received a letter from IRS showing i have a debt of {$3200.00} i need to pay back on my tax return for XXXX i don't know why? i need your help please thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated. 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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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:
No XXXX XXXX I went into my bank XXXX  and requested a H.E.L.O.C. Filled out the application and submitted it to XXXX XXXX XXXX for an approval of my loan. I did not believe that it would be a problem, because I knew that my score was XXXX from trans Union credit agency, reported my score to XXXX XXXX as XXXX. 
I knew that it had to be a mistake, so I had XXXX  submit my application a second time on XXXX XXXX where it came back a second time as XXXX from the same company Trans Union . After speaking to my bank. I called Trans union on XX/XX/year> and spoke to and employee by the name of XXXX. Who instructed me. To speak to my bank again. So, I am writing this complaint to resolve this. This has caused me great stress and money because I was unable to acquire the loan. I have enclosed the documents from my bank and Trans Unions. I would like to take legal action against the company that is responsible for my damages.

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 2025-02-24 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: 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 explanation
Consumer complaint received 2025-02-24 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). Specifically, I am raising concerns about the failure to properly investigate and correct the disputed account, as well as the negligence and non-compliance in handling my dispute. 

Previously, I disputed an account appearing on my credit report as a collection through Equifax. However, when I received the results of the investigation, the information provided by the furnisher did not align with what is being reported on my credit file. The documentation sent to me classified the debt as a charge-off, whereas my credit report still reflects it as a collection account. This inconsistency suggests a failure to ensure the accuracy of reported information, violating the requirements under the FCRA. 

Additionally, I requested specific information to verify the validity of this account, yet the response I received failed to include all the necessary details I asked for. Under the FCRA, Equifax and the data furnisher have an obligation to provide accurate and complete information while conducting a reasonable investigation into my dispute. The failure to do so constitutes negligent non-compliance under 15 U.S.C. 1681o, which allows me to pursue civil liability for any damages incurred due to this inaccuracy and failure to comply with proper dispute procedures.

I am requesting the following actions be taken immediately : 1. A thorough reinvestigation of this account to ensure that the reporting aligns with the information provided by the furnisher.

2. Correction or removal of any inaccurate information that does not match the results provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. Information Provider Responsibility : Section 623 requires that
reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Data Search NY, Inc.
State: TX

Complaint narrative:
All my info been stolen and I need it clear from a national data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. THEREFORE, I AM ASKING THAT YOU CORRECT THIS ITEM OF INFORMATION AND REMOVE THE INCORRECT INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE UNFREEZING OF MY CREDIT FILE. SEE ATTACHED DOCUMENT.

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 2025-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: IN

Complaint narrative:
Complaint against : XXXX XXXX XXXX Jefferson Capital LLC The way to describe what happened with the reason for me to file this complaint with the FTC is that someone has opened up or used my credit to open up lines of credits to XXXX XXXX  XXXX  XXXX and opened up multiple lines of services using my personal information, SSN, or credit/banking information to do so.

The complaint comes as I have seen this added to my current credit reporting where it shows a line of credit was opened up not by myself but yet by someone else without my permission, knowledge or consent sometime between the year XXXX. I have never applied for a line of credit for a cell phone or any other services for a line of credit through XXXX XXXX and would not ever need services as I am already in a family plan with my family which includes my parents and have never needed to apply or shop carriers for these types of services. 

The amount of the line of credit is substantial, which includes the amount of {$4200.00} which has now been sent to some debt collector company called Jefferson Capital Systems LLC which I have no affiliation. 

This is fraud/identity theft and I am not sure how someone got my information and used it to commit this type of act against me however this is now effecting my credit and potential to get any other credit line offerings. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-24 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: NY

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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 2025-02-24 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: NY

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My Experian consumer report is being blocked by Experian. They claim that they have different personal information on file for me, causing the block. Yet when I have provided them with identity verification through the mail, they still refuse to release my consumer report. 
I spoke with them numerous times and they claim my report is available and they do not see any conflicting information. Yet, my report is still blocked and they refuse to do anything about it.

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 2025-02-24 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: SC

Complaint narrative:
I have disputed multiple unknown and unauthorized hard inquires in my credit report and Equifax only keep updating them into my credit report which is affecting my credit score Also notice that when I pull my credit report says that I have XXXX account reporting negatively, however when Im going into my credit report says that I do not have any accounts in collections wich means they a not accurately reporting my credit score and is also hurting my credit score Ive request to see this accounts but I havent get an answer instead I got a mail letter that says that they couldnt match my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX - XXXX I keep disputing the late payments for XX/XX/XXXX and XX/XX/XXXX. However, Experian has updated the incorrect months. They updated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as ND ( No Data Available ). Please update these months to what they were before as current. 
For the month of XX/XX/XXXX and XX/XX/XXXX I have sent supporting documents to show that the payments were not late. Based on consistent reporting pattern, each months payment has historically been reported the following monthfor example : XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX. 
However, this pattern was not followed for XXXX and XXXX. XX/XX/XXXX was reported to the credit bureaus on XX/XX/XXXX, and XX/XX/XXXX on XX/XX/XXXX, resulting in late payments on my credit report. The agency needs to review the documents I submitted and update my credit report accordingly. I am exercising my right under the Fair Credit Reporting Act, Section 611 ( 1 ) ( A ), to request update/ correction of inaccurate information on an item that is listed on my consumer report : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX This account is currently reporting inaccurately. The consumer reporting agencies have assumed a vital role and a responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate with the provided supporting documents. You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to delete all information that are inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. Please send me an updated credit report within 30 days of this letter.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. 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 to be removed/updated. 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. 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!

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