vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
15 U.S.C. 1681 is part of the Fair Credit Reporting Act and it outlines the Congressional findings and statement of purpose regarding consumer reporting. This section emphasizes the importance of fair and accurate credit reporting for the efficient functioning of the banking system and the publics confidence in it. It highlights the role of consumer reporting agencies in assembling and evaluating consumer credit and other information and underscores the need for these agencies to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. The purpose of this section is to ensure that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such 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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXX, XXXX, CAPITAL ONE AUTO FINANCE, was placed on Notice regarding a Billing Error, by way of certified mail in the form of a CONDITIONAL ACCEPTANCE FOR VALUE letter, certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. 
CAPITAL ONE AUTO FINANCE, had to XXXX XXXX to respond back to the ( CAFV ) but failed to do so, as well as to the prove the claim. 

On XX/XX/year>, CAPITAL ONE AUTO FINANCE, was sent by certified mail, Notice of Fault and Opportunity to Cure and Contest Acceptance, certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. CAPITAL ONE AUTO FINANCE, failed to respond the second " Notice ''. 

CAPITAL ONE AUTO FINANCE, discriminated against Consumer XXXX XXXX, by submitting fraudulent information to the ( 3 ) credit bureau while a " Billing Error '' is pending

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of trafficking, and the information detailed below on my credit report is a result of that trafficking : ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$56000.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$11000.00}

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 explanation
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
I am currently reviewing my Experian Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" On XX/XX/year>, I filed a dispute with TransUnion. On XX/XX/year>, they responded claiming to have mailed investigation results, which I never received. They failed to provide : Required documentation proving how accounts were verified Names and contact information of verification sources Specific methods used for verification Copies of any communications with creditors TransUnion merely stated accounts were 'UPDATED ' or 'VERIFIED AS REPORTED ' without providing legally required documentation under FCRA 611. This response violates FCRA requirements for proper dispute investigation and documentation. 
Disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( 3 accounts ) I request : Complete verification documentation Names/contacts of verification sources Detailed investigation methods used Copies of all creditor communications ''

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These accounts was charged off on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX since then the account has repeated been updated as a charge off every month. This is an update in the payment history, a charge off account should not include an actual payment history. This an accurate information falsely manipulates the statute of limitations. You fail to investigate this amount properly in your neglect has violated my rights. I am demanding a decision of the following accounts., a charge off account should not include an actual payment history. This an accurate information falsely manipulates the statue of limitations. You fail to investigate this amount properly in your neglect has violated my rights. I am demanding a decision of the following accounts to be removed 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts was charged off on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX since then the account has repeated been updated as a charge off every month. This is an update in the payment history, a charge off account should not include an actual payment history. This an accurate information falsely manipulates the statute of limitations. You fail to investigate this amount properly in your neglect has violated my rights. I am demanding a decision of the following accounts., a charge off account should not include an actual payment history. This an accurate information falsely manipulates the statue of limitations. You fail to investigate this amount properly in your neglect has violated my rights. I am demanding a decision of the following accounts to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Ive contacted Capital one dealer I spoke with XXXX who informed me the hard credit check was due to XXXX XXXX XXXX who I didnt authorize to pull my credit report I initiated proof, I also contacted XXXX XXXX XXXX ( XXXX ) spoke with a supervisor by the name of XXXX who stated there isnt much she can do I have to file a dispute and send them a written consent I didnt authorize it. Ive contacted XXXX XXXX XXXX ( XXXX ) whom I didnt authorize to pull my credit I spoke with a representative name XXXX and I also spoke with someone by the name of XXXX who asked for permission to view my credit report to see on her end what is being reported because she couldnt see it with social given, I immediately asked her would this affect my credit she said no its on research mode I gave her the OK ( XXXX ) she stated she couldnt find any account with my social or name on her end who also apologized for this inconvenience. I would like for this to be investigated and for these hard inquiries removed from my credit report XXXX XXXX XXXX ( XXXX ) CAPITAL ONE VIA DEALER ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) these inquiries werent authorized by myself I was told by capital one it was an online submission however anyone could apply for things online when they have your information, and I ask that they be removed immediately. According to the FCRA The Fair Credit Reporting Act ( FCRA ) protects consumers from unauthorized hard inquiries on their credit reports : If you find an unauthorized inquiry on your credit report, you can dispute it with the relevant credit reporting agency. You can contact the bureau by mail, phone, or online. You can also contact the company that made the inquiry and ask for proof of authorization. Which I asked for and couldnt either company give me proof it was myself who authorized these hard credit checks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Ive contacted XXXX  XXXX dealer I spoke with XXXX who informed me the hard credit check was due to XXXX XXXX XXXX who I didnt authorize to pull my credit report I initiated proof, I also contacted Kia motors finance ( XXXX ) spoke with a supervisor by the name of XXXX who stated there isnt much she can do I have to file a dispute and send them a written consent I didnt authorize it. Ive contacted XXXX XXXX XXXX ( XXXX ) whom I didnt authorize to pull my credit I spoke with a representative name XXXX and I also spoke with someone by the name of XXXX who asked for permission to view my credit report to see on her end what is being reported because she couldnt see it with social given, I immediately asked her would this affect my credit she said no its on research mode I gave her the OK ( XXXX ) she stated she couldnt find any account with my social or name on her end who also apologized for this inconvenience. I would like for this to be investigated and for these hard inquiries removed from my credit report XXXX XXXX XXXX ( XXXX ) XXXX XXXX VIA DEALER ( XXXX ) KIA MOTORS FINANCE ( XXXX ) XXXX KIA XXXX XXXX ) XXXX KIA XXXX XXXX ) these inquiries werent authorized by myself I was told by XXXX  XXXX it was an online submission however anyone could apply for things online when they have your information, and I ask that they be removed immediately. According to the FCRA The Fair Credit Reporting Act ( FCRA ) protects consumers from unauthorized hard inquiries on their credit reports : If you find an unauthorized inquiry on your credit report, you can dispute it with the relevant credit reporting agency. You can contact the bureau by mail, phone, or online. You can also contact the company that made the inquiry and ask for proof of authorization. Which I asked for and couldnt either company give me proof it was myself who authorized these hard credit checks on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2025-01-07 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: MD

Complaint narrative:
This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this XXXX  shouldn't be on my credit/consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
The this is XXXX XXXX there is a collection company call them self UCB collections which is a third party never signed a contract with this company trying to collect and debt not owed witch was paid by my insurance company XXXX part a and b it's a medical bill from 2022 from XXXX XXXX general Mid-City it's for {$1500.00} dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NV

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-01-07 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: NV

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I reviewed my consumer report and previously informed your agency on XX/XX/year> about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to dispute the presence of certain charge offs on my credit report. I believe that. 
these charge offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX compliancy requirements. 
Specifically, I believe that the information reported by your agency regarding these charge offs. 
is inaccurate, incomplete, and misleading. As a result, my credit score has been unfairly. 
impacted and I have suffered damages as a result. 
Under the FCRA, it is your responsibility to ensure that all information reported to credit. 
bureaus are accurate and up to date. Additionally, the XXXX XXXX compliance guidelines outline specific reporting requirements for charged off accounts, including the requirement to report. 
the date of first delinquency and the date of charge off. 
Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. 
I am requesting that you investigate this matter and correct any inaccurate or incomplete. 
information in my credit report. 
Additionally, I am requesting that you provide me with a copy of the investigation results and any updates made to my credit report as a result of your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely,

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion, XXXX and XXXX. 

Please delete the following accounts : XXXX BANK, Acct number XXXX, XXXX. {$760.00} XXXX CREDIT, Acct number XXXX, XXXX. {$2000.00}

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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have been making payments for my student loans with Aidvantage since XXXX of 2024 and have also been on the SAVE plan since then. I have already filed a complaint against them for ignoring the forbearance and continuing to charge interest against my loans. They said interest stopped accruing in XXXX of 2024, but this shouldnt have been the case and even today I can see from past payments that interest has been accruing, even during my forbearance

Company response to consumer: Closed with explanation