vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 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: IL

Complaint narrative:
Dear CFPB, I am writing to dispute the following information that appears on my TRANSUNION report XX/XX/XXXX : XXXX XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$870.00}. 

I dispute the missed payments and late payments on this account ( s ) ; in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have a right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i sent letters to all Credit reporting agencies below to remove inaccurate information on my credit report. Haven't received a response

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 2024-09-01 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:
i sent letters to all Credit reporting agencies below to remove inaccurate information on my credit report. Haven't received a response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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.
State: GA

Complaint narrative:
XXXX XXXX recently decrease my credit limit and also my account was reported as dormant as I hadn't used it in XXXX  months but I just used it. So the same month that it showed usage, in my most recent report, it also showed a decrease and limit by {$100.00} though I've never been late, and just have used it and this is affected my score.

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 2024-09-01 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: GA

Complaint narrative:
XXXX XXXX recently decrease my credit limit and also my account was reported as dormant as I hadn't used it in XXXX months but I just used it. So the same month that it showed usage, in my most recent report, it also showed a decrease and limit by {$100.00} though I've never been late, and just have used it and this is affected my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: GA

Complaint narrative:
XXXX XXXX recently decrease my credit limit and also my account was reported as dormant as I hadn't used it in XXXX months but I just used it. So the same month that it showed usage, in my most recent report, it also showed a decrease and limit by {$100.00} though I've never been late, and just have used it and this is affected my score.

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 2024-09-01 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: CT

Complaint narrative:
Please remove any hard inquiries and fraudulent accounts off my credit profile from XXXX, XXXX, Trans union immediately. 

XXXXXXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/year> XXXX XXXX XXXX {$630.00} XX/XX/year> 2023

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 2024-09-01 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: CT

Complaint narrative:
Please remove any hard inquiries and fraudulent accounts off my credit profile from Experian, XXXX, XXXX XXXX immediately. 

XXXXXXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/year> XXXX XXXX XXXX {$630.00} XX/XX/year> 2023

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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Inquiries : XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX Please remove for they 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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.
State: NY

Complaint narrative:
I submitted a complaint with the CFPB on XX/XX/XXXX requesting that Transunion investigate into the inaccurate account ( XXXX XXXX ) that's reporting negative on my credit. On XX/XX/XXXX they have informed me with results of the dispute claiming the account was verified and updated, once again not providing proof of how they verified this account. I asked TransUnion to verify the amount, examine the purchase agreement & to provide me with the proof of my requests. They still have not done so. According to the FCRA, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX XXXX. I demand to see Verifiable Proof ( an original consumer contract with my signature on it ) of account XXXX XXXX Your failure to positively verify these accounts has hurt my ability to obtain credit. I demand the account be verified or removed immediately. As for the response you sent me of the results of investigation on XX/XX/XXXX, I am requesting a copy of the procedure your company followed in order to ensure that the information reporting for XXXX XXXX is completely accurate. Its 's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. It is frightening to think that you did not do as you are governed by the FCRA and that other consumers might be affected having this type of information on a person 's credit report is unfortunate and severely damaging information on a person 's credit report is unacceptable. Please forward me the name of the person you spoke with at XXXX XXXX and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. As I have said, this account is incorrect and should be deleted entirely. FYI, I DO NOT want a generalized response stating what you typically do in an investigation.

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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
Company & credit bureau is reporting delinquencies from about XX/XX/XXXX to XX/XX/XXXX, which is incorrect. At some point there was stuff to the account I think that a occurred sometime around XX/XX/XXXX of which I was found in favor of the fraud. The car balance was at XXXX prior to the south. The company did do an investigation and reverse the charges, rewarded me back to late fees. And was in dispute of removing my delinquencies. I previously reported this they did remove the delinquencies from about XX/XX/XXXX to XX/XX/XXXX. Not sure why they're showing late activity from XX/XX/XXXX to XXXX of XXXX that I am sure this is in accurate as I have been on time with payments so they may have posted after they were paid. I need to have this corrected to update payment history and further improve conflictions with my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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:
The following address listed on my credit report does not belong to me. I have never resided at this address. The address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Please remove this information from my 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 2024-09-01 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: FL

Complaint narrative:
upon checking my credit report online with experian, I notice that there is a collection a couple of collections reporting in my report. I filed a dispute with XXXX trans union and XXXX letting them know that the information was inaccurate that i have never had an agreement or account with either company but they are still reporting to the credit bureaus. not only have I never had an account with either company, They are also reporting the accounts as open and with a balance. as of XX/XX/2024 XXXX capital is reporting a balance of {$1800.00} on account # XXXX and XXXX XXXX XXXX is reporting a balance of {$880.00} on account # 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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
upon checking my credit report online with experian, I notice that there is a collection a couple of collections reporting in my report. I filed a dispute with XXXX XXXX XXXX and equifax letting them know that the information was inaccurate that i have never had an agreement or account with either company but they are still reporting to the credit bureaus. not only have I never had an account with either company, They are also reporting the accounts as open and with a balance. as of XX/XX/year> XXXXXXXX XXXX is reporting a balance of {$1800.00} on account # XXXX and XXXX XXXX XXXX is reporting a balance of {$880.00} on account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was on XXXX someone told me that I will be paint for her client so she will give me money a bonus. She gave me some money ( deposit check ) but not the right amount so I sent her the money back ( 3 times ) and she stole me {$3900.00}. 
At first to be sure that I will see my money back I call the bank ( Chase ) and a woman told me its okay you will have your money back. But I didnt receive anything. Those transactions was started XX/XX/XXXX until XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX2024, after my shift at work I approached the parking lot, where I parked my vehicle, a XXXX XXXX XXXX ( vin # XXXX ), to find that my vehicle wasn't parked where I parked it. I contacted XXXX Police Department, and made a stolen vehicle report, ( affidavit # XXXX. After an investigation by Detective XXXX, it was determined that my vehicle was picked up by a company by the name of XXXX Florida XXXX XXXX XXXX Florida, he provided me a phone number for me to reach out to that particular company. After doing so, I was told that they had a repossession order for my vehicle from Wilshire Consumer Credit XXXX XXXX XXXX. I was provided with a account number and phone number for the company. I immediately reach out to the company, in which I spoke with a XXXX XXXX XXXX. I spoke with XXXX concerning this matter, I stated that the vehicle that was repossessed by their company was my personal vehicle, that I never had a loan or had taken out a loan with their company. I was told that the social security number associated with the account is not the social security number that I had provided her. She had me email her a copy of my police report, in which I provided. Since then I have not been able to spoke with anyone concerning this matter. Anytime I would call to speak with XXXX, I would get hung up on by a representative, or told that they could not provide me with any information. For months I have been without my vehicle, I don't know where its located, and I can't get any assistance from this company.

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 2024-09-01 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: TX

Complaint narrative:
This CFPB complaint has been filed to request Pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) That you, The TransUnion XXXX and XXXX Credit reporting agency, Block information Appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this report. This fraudulent, inaccurate and false information consist of personal credit card accounts, Hard inquires, Installment loans and an auto loan, wrong personal information. These Accounts have resulted in collections and hard inquires being reported on my Consumer fico credit report. I have attached a list of every fraudulent item also i have attached a copy of my full credit report from XXXX. which shows all aforementioned fraudulent items. I do not recognize the aforementioned accounts, Collections or hard inquires as reported. the aforementioned accounts collections or hard inquires maintained by you on my credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts collections and hard inquires are all a result of identity theft and fraud. I have attached the copy of the FTC Identity theft criminal complaint # XXXX as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned consumer credit accounts, collections, and hard inquires are a result of identity theft and fraud.

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 2024-09-01 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: TX

Complaint narrative:
This CFPB complaint has been filed to request Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) That you, The XXXX Equifax and XXXX Credit reporting agency, Block information Appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this report. This fraudulent, inaccurate and false information consist of personal credit card accounts, Hard inquires, Installment loans and an auto loan, wrong personal information. These Accounts have resulted in collections and hard inquires being reported on my Consumer fico credit report. I have attached a list of every fraudulent item also i have attached a copy of my full credit report from XXXX. which shows all aforementioned fraudulent items. I do not recognize the aforementioned accounts, Collections or hard inquires as reported. the aforementioned accounts collections or hard inquires maintained by you on my credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts collections and hard inquires are all a result of identity theft and fraud. I have attached the copy of the FTC Identity theft criminal complaint # XXXX as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned consumer credit accounts, collections, and hard inquires are a result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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:
Equifax regarding your dispute and the potential for litigation : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Formal Dispute negative comment Information on my Credit Report Dear Equifax, I am writing to formally dispute the negative comments currently listed on my credit report Despite my previous efforts to have these inaccuracies corrected, I have yet to receive a satisfactory response or resolution. 

The negative information in question is not only misleading but also XXXX to my creditworthiness. I have provided all necessary documentation supporting my claim, and it is clear that these comments do not accurately reflect my credit behavior. 

Please be advised that if these negative comments are not removed within the next 2 days I will have no choice but to pursue legal action Litigation Lawsuit, to protect my rights and credit standing. 

I urge you to take this matter seriously and to conduct a thorough investigation into my dispute. I appreciate your prompt attention to this issue and look forward to a resolution. 

Sincerely, Also this is displayed on XXXX XXXX XXXX  platform

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Continue to report inaccurate information on consumer report, Continue to violate my rights as the consumer! Continue to report Unverified detrimental information to my consumer report, Violation of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: LEXISNEXIS
State: AL

Complaint narrative:
In accordance with 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.

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 a 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 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 information is inaccurate.

Company response to consumer: Closed with explanation