vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XX/XX/XXXX {$83.00} XXXX  XXXX - XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$13000.00} 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 Trans Union, XXXX, and XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.

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 2024-12-23 00:00:00
Product: Vehicle loan or lease — Lease
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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
On XX/XX/year>, my bank ( copies attached ) sent a treasurer check to Ally Bank for {$24000.00} to pay off and buy out my existing lease. A copy of the USPS tracking receipt also is attached where Ally Bank signed for the check and the funds were deposited into their account on the same say. Ally Bank has reported me as a late pay for 30, 60, and 90 days and they have ruined my credit score. I have reported them to the XXXX XXXX XXXX, The Indiana Attorney General, and The Federal Reserve Bank in Washington DC. Furthermore I am now paying and have paid 6 months on my buy out loan to XXXX XXXX XXXX  and Ally refuses to release the title to the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Applied for care credit and was denied, 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 2024-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
My phone account was cancelled XX/XX/year> I went into the office paid my amount due plus any further charges I was told the account was cancelled, I received a bill a few weeks later saying I owed them I called the number on my credit bill the amount was put back into my account now I am getting calls from a collection agency saying I still owe them. The company is XXXX. I am still having the same issue with att after 5 years. enough is enough how these companies have the same policy.XXXX  the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I refinance my vehicle with XXXX. They in bad faith promised insurances for XXXX  XXXX and or XXXX this promise was fraudulent made by a representative through email that no longer works for the company XXXX XXXX XXXX. 

They lost the original contract and attempted to recreate a contract and have me sign when I refused They placed a repo on my credit. I returned the car before they had even placed the report. 

They apologize in email about the fraudulent contract a XXXX XXXX XXXX apologized but when I wanted to give them the car back and refused to sign a second fraudulent contract that is when they placed on my cresit than closed the account so thay this repo would stay on my cresit for the next seven years.

They kept denying my insurance Policy in effort to cancel out my insurance so they could sell me a high end insurance through their company even though I provided my insurance six times. 

The XXXX insurance was not able to be used when I needed it because the company switched up and said they XXXX started this insurance for XXXX XXXX XXXX XXXX they stated XXXX XXXX started this insurance than switched up again and stated they started it but only in the event I pass away can I use this insurance. 

This company had to be by far the worst financial institution. I have sent information supporting these statements to cresit bureaus with hopes that rhe cresit bureaus won't ignore my dispute. 

We have a pending court hearing and everything stated is also stayed in emails sent

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 2024-12-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I refinance my vehicle with wellby. They in bad faith promised insurances for illness XXXX and or XXXX  this promise was fraudulent made by a representative through email that no longer works for the company XXXX XXXX XXXX. 

They lost the original contract and attempted to recreate a contract and have me sign when I refused They placed a repo on my credit. I returned the car before they had even placed the report. 

They apologize in email about the fraudulent contract a XXXX XXXX XXXX apologized but when I wanted to give them the car back and refused to sign a second fraudulent contract that is when they placed on my cresit than closed the account so thay this repo would stay on my cresit for the next XXXX years. 

They kept denying my insurance Policy in effort to cancel out my insurance so they could sell me a high end insurance through their company even though I provided my insurance XXXX times. 

The medical insurance was not able to be used when I needed it because the company switched up and said they XXXX started this insurance for XXXX XXXX  or XXXX  they stated XXXX XXXX started this insurance than switched up again and stated they started it but only in the event I pass away can I use this insurance. 

This company had to be by far the worst financial institution. I have sent information supporting these statements to cresit bureaus with hopes that rhe cresit bureaus won't ignore my dispute. 

We have a pending court hearing and everything stated is also stayed in emails sent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
I refinance my vehicle with wellby. They in bad faith promised insurances for XXXX  XXXXXXXX XXXX XXXX XXXX  this promise was fraudulent made by a representative through email that no longer works for the company XXXX XXXX XXXX. 

They lost the original contract and attempted to recreate a contract and have me sign when I refused They placed a repo on my credit. I returned the car before they had even placed the report. 

They apologize in email about the fraudulent contract a XXXX XXXX XXXX apologized but when I wanted to give them the car back and refused to sign a second fraudulent contract that is when they placed on my cresit than closed the account so thay this repo would stay on my cresit for the next XXXX years. 

They kept denying my insurance Policy in effort to cancel out my insurance so they could sell me a high end insurance through their company even though I provided my insurance XXXX times. 

The medical insurance was not able to be used when I needed it because the company switched up and said they XXXX started this insurance for XXXXXXXX XXXX XXXX XXXX  they stated XXXX XXXX started this insurance than switched up again and stated they started it but only in the event I pass away can I use this insurance. 

This company had to be by far the worst financial institution. I have sent information supporting these statements to cresit bureaus with hopes that rhe cresit bureaus won't ignore my dispute. 

We have a pending court hearing and everything stated is also stayed in emails sent

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-23 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:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Trans Union, XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.

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 2024-12-23 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:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, Experian, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 US code 1681E ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 US code 1681i ( 5 ) treatment of an accurate or unverifiable information ( A ) in general if, after any re-investigation under a paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency XXXX  - ( I ) promptly delete that item of information from the fall of the consumer, or modify the item of information as appropriate, based on the results of the investigation, and ( I ) promptly notify the furniture of the information that the information has been modified or deleted from the file of the consumer, please remove the following items from my credit report immediately Account Name - XXXX XXXX Account Name - XXXX XXXX XXXX Account Name - XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
I found accounts on my credit report that are not mine.

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 2024-12-23 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 have fraudulent accounts on my credit report, which I reported it to XXXX XXXX XXXX, NY CHILD SUPPORT XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, yet they are not removing these fraudulent account. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The followings are the fraudulent account : XXXX XXXX XXXX/ XXXX, NY CHILD SUPPORT ENFC / XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX / 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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon conducting a recent review of my credit report, I discovered several items that are unverifiable, invalidated, inaccurate, and questionable. These inaccuracies have caused me significant distress and hardship. Your agency is obligated under federal law to ensure that all reported information is accurate and complete. Per 15 U.S. Code 1681e ( b ), it is required that you, as a consumer reporting agency, " follow reasonable procedures to assure maximum possible accuracy '' of the information reported about me. However, the items listed below fail to meet these standards : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are not my accounts and have not been verified. Remove immediately.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to address ongoing issues with XXXX, XXXX, and Equifax regarding inaccurate and misleading information on my credit reports. Despite multiple disputes, the errors remain unresolved, which demonstrates noncompliance with federal consumer protection laws. 

The inaccuracies include : XXXX. Incorrect account dates that do not match the original creditor 's records. 
XXXX. Inaccurate balance amounts, which are not consistent with actual account statuses.

3. Payment history errors, such as reporting late payments that never occurred.

The continued reporting of inaccurate information violates : FCRA Section 607 ( b ) : Failure to ensure maximum possible accuracy in credit reporting.

FCRA Section 611 ( a ) : Failure to conduct proper reinvestigation and remove unverifiable data.

Equal Credit Opportunity Act ( ECOA ) : Reporting inaccurate information that affects creditworthiness may result in discriminatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with non-monetary relief