vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently received a copy of my XXXX & Experian consumer report and I noticed some inaccurate information posted on my consumer report : 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} Update/Delete the above inaccurate accounts from my consumer report, this agency is in violation of 15 USC S1681 .

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 2025-01-08 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:
It has came to my attention that my personal information was in fact exposed in a data breach. After carefully reviewing my credit reports, I noticed some accounts that I am unfamiliar with. I have asked Transunion for validation of debt on a previous occasions, as seen here on previous complaints, this information was never provided. Due to my recent knowledge of my information being exposed, an FTC complaint has been filed on behalf of the information I am unfamiliar with. Please find attached a copy of my ID, the FTC complaint, and a validation of debt letter. As indicated in 605b 15 USC 1681 c-2, Transunion has 4 days to block and investigate this information. Please be advised that failure to block the information in this FTC report from my credit profile within 4 days will be considered a violation of my rights and will result in legal action being taken against TransUnion.

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 2025-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX was being garnished out of my checks from XXXX until XX/XX/XXXX. I sent in proof I asked an emailed on multiple occasions via email on what do I have todo on being reimbursed an still have not been given an update as when they will be putting the money back that XXXX XXXX XXXX over garnished out of my check when I was done with debt on XXXX XXXX last payment of {$200.00} paid now Im waiting on almost {$1500.00} to be returned an havent gotten any updates on when or how it will come back to me

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 2025-01-08 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: MD

Complaint narrative:
Incorrect credit payments and late fee on account when no funds is past due and account is paid in full

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 2025-01-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/scrub>XXXX XXXX I disputed Hard, Soft, and Promotional Inquires certified mail XXXX XXXX I called and disputed Hard, Soft, and Promotional Inquires XXXX XXXX I called to dispute Hard, Soft, and Promotional Inquires The Reporting agency 's replied that they couldn't be removed and didn't remove them resulting in me having a difficult time accessing credit that I deserve.

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 2025-01-08 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: NY

Complaint narrative:
The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$21000.00}

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 2025-01-08 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: NY

Complaint narrative:
The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$21000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I previously disputed this account stating : " This account is incorrectly reporting that I hav late payments. On my XXXX report there are XXXX late payments being reported. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this 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 2025-01-08 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: MARINER FINANCE, LLC
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$240.00} XXXX XXXX XXXX Balance {$2100.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$240.00} XXXX XXXXXXXX XXXX Balance {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$5000.00} XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr : XXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$2100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$1500.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$2900.00}

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 2025-01-08 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I leased a XXXX XXXX from XXXX. At the end of the lease I extended the lease for XXXX month and made a payment for the extension. Ended up happening the payment didnt go through and XXXX XXXX a XXXX day late on my credit report which is causing alot of heartache. I do have a payment confirmation from XXXX which is XXXX 's payment platform that a payment was made. and I did write a letter to XXXX to remove it. I havent heard from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX 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.

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 2025-01-08 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX 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.

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 2025-01-08 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: IL

Complaint narrative:
Ive accessed my credit reports from all three bureaus and I noticed discrepancies on my report via XXXX XXXXXXXX, Last payment date is reporting different credit amounts, date of last payment also reporting different dates, monthly payment is unavailable with XXXX bureaus and a {$0.00} balance with another bureau, also no. Of monthly terms is reporting inaccurate as well, it also shows different high credit amounts TransUnion reporting XXXX XXXX reporting invalid date, XXXX is reporting XXXX. The no. Of months terms it shows revolving for XXXX bureau such as XXXX, invalid for TransUnion, and monthly for XXXX which is inaccurate information. revolving does not mean monthly so which is the correct information about this account with the credit bureaus which are considered discrepancies and I demand it be removed from my credit reports immediately. Ill add attachments below please take a look youll see my correct address including unit number, and name. There are so many errors many differences reporting to each bureaus According to the FCRA The US code for reporting inaccurate information on credit reports is 15 U.S. Code 1681, which is part of the Fair Credit Reporting Act ( FCRA ). This statute outlines the procedures for disputing inaccurate information on a credit report and the responsibilities of credit reporting agencies to investigate and correct errors. Individuals can dispute information on their credit report if they believe it is inaccurate Which is inaccurate I cant pay the last payment to this company on different dates, it cant be reporting different information to the credit bureaus. This account also attached a pieces of mail in previous complaint with the incorrect address I do have an apartment number on my drivers license, with my bank account, also any form of utility/bill XXXX own.This company is violating my rights they have no right to furnish me nor my information inaccurately. It also states If a consumer notifies a furnisher that specific information is inaccurate, the furnisher can not report that information if it is indeed incorrect. Which means it needs to be removed from all three bureaus.

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 2025-01-08 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: IL

Complaint narrative:
Ive accessed my credit reports from all three bureaus and I noticed discrepancies on my report via XXXX  XXXX, Last payment date is reporting different credit amounts, date of last payment also reporting different dates, monthly payment is unavailable with XXXX bureaus and a {$0.00} balance with another bureau, also no. Of monthly terms is reporting inaccurate as well, it also shows different high credit amounts XXXX reporting XXXX Experian reporting invalid date, XXXX is reporting XXXX. The no. Of months terms it shows revolving for XXXX bureau such as Experian, invalid for XXXX, and monthly for XXXX which is inaccurate information. revolving does not mean monthly so which is the correct information about this account with the credit bureaus which are considered discrepancies and I demand it be removed from my credit reports immediately. Ill add attachments below please take a look youll see my correct address including unit number, and name. There are so many errors many differences reporting to each bureaus According to the FCRA The US code for reporting inaccurate information on credit reports is 15 U.S. Code 1681, which is part of the Fair Credit Reporting Act ( FCRA ). This statute outlines the procedures for disputing inaccurate information on a credit report and the responsibilities of credit reporting agencies to investigate and correct errors. Individuals can dispute information on their credit report if they believe it is inaccurate Which is inaccurate I cant pay the last payment to this company on different dates, it cant be reporting different information to the credit bureaus. This account also attached a pieces of mail in previous complaint with the incorrect address I do have an apartment number on my drivers license, with my bank account, also any form of utility/bill XXXX own.This company is violating my rights they have no right to furnish me nor my information inaccurately. It also states If a consumer notifies a furnisher that specific information is inaccurate, the furnisher can not report that information if it is indeed incorrect. Which means it needs to be removed from all three bureaus.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to request that all the wrong names, outdated addresses and phone numbers associated with my credit report be deleted, except for my correct name, current address and phone number as stated below : Correct name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Phone Number : XXXX XXXX XXXX Please update my file to reflect only this current address. If you require additional information or documentation to process this request, feel free to contact me at XXXX or XXXX. 
I have attached part of the report I obtained from the EXPERIAN as proof. 
Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On today, XX/XX/XXXX, my account was closed due to fraud coming from XXXX payments. I called and was interrogated about the payments, BOTH coming from family members. The payment from my MOTHER which her account is attached to mine was being referred to as fraud. Ive been a long time member and extremely disappointed but I just want my money and to go elsewhere at this point. Ive tried to reopen my account and work with them but they have refused. Horrible and rude customer service who hung up in my face and told me if i have a problem to Go to the police. Would just like my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: HI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-08 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: HI

Complaint narrative:
I am writing to delete the following information in my file. The item I am referencing XXXX XXXX XXXX ( XXXX XXXX ) account opened sometime in XXXX  that I did not open. I am a victim of identity theft, as my employer notified me my sensitive data has been breached. I did not open this account. I ask that this account be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit, as well as the notification of data breach letter from my employer. Please delete this account as soon as possible.

Company response to consumer: Closed with non-monetary relief