vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 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 looked at my credit report on and noticed some things are incomplete and not accurate. I sent a letter to XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too. 

Here are the list of accounts that are not reporting accurately ( Name and account numbers ), delete accounts immediately because of violation of XXXX5 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-18 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:
I looked at my credit report on and noticed some things are incomplete and not accurate. I sent a letter to XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC USC 1681i ( XXXX ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too. 

Here are the list of accounts that are not reporting accurately ( Name and account numbers ), delete accounts immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: OH

Complaint narrative:
I am writing to follow up on my previous dispute regarding inquiries on my credit report that your agency has failed to address and remove. It has come to my attention that XXXX was able to promptly address and rectify the inquiries that I raised to them simultaneously with the inquiries I brought to your attention. However, your agency has not provided the resolution that I anticipated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2024-03-18 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
My daughter, a minor, had a membership with XXXXXXXX XXXX  XXXX and due to injury, no longer went, continued paying without attending the gym. The membership was closed properly through XXXXXXXX XXXX XXXXXXXX and cancellation form was completed XX/XX/XXXX. All business with XXXXXXXX XXXX XXXXXXXX was complete. On XX/XX/XXXX, a notice was sent to my daughter. XXXXXXXX XXXX XXXXXXXX either fraudulently sold my daughter 's ( a minor/child ) information to a law firm : Aldous & Associates XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX as a notice was sent to her and received XX/XX/XXXX or this is a company attempting to scam minors. I do not trust calling this firm as this seems shady to send a collection to a child for the amount of XXXX. This is not owed and perhaps, they are scamming people to try to acquire money or XXXXXXXX XXXX XXXX is selling people 's information for the same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX XXXX XXXX, HAS 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: AL

Complaint narrative:
In XXXX of XXXX my credit score with XXXX suddenly decreased by several points. The reason was that NelNet, my old student loan servicer, for some reason reported an open balance with them. The issue is that the entirety of my student loan balance was transferred to another company, XXXX. So now suddenly on XXXX end, I had double the amount in student loans. I disputed this through XXXX dispute portal online in XXXX and XXXX. Both disputes ended with Nelnet still advising that I owed them XXXX. Which I didn't, as that entire balance is with XXXX. I was told in XXXX that in XX/XX/XXXX my loans should be corrected. It is now the end of XXXX and not only does XXXX still show a balance with Nelnet, but so does XXXX. 

The last time I asked for a response, a PDF was sent however it was flagged and I was not able to view the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: KS

Complaint narrative:
I did not authorize these inquiries and strongly suspect they are not legitimate. I urge you to conduct a thorough investigation and promptly remove them from my credit profile. I have submitted supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, money, that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX : {$31000.00} XXXX CARD XXXX : {$31000.00} XXXX XXXX XXXX : {$23000.00} XXXX XXXX : {$2800.00} XXXX XXXX : {$6600.00} XXXX XXXX : {$2500.00} XXXX XXXX : {$2900.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX : {$17000.00} XXXX XXXX : {$1700.00} XXXX XXXX XXXX : {$10000.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$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 non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A total of XXXX accounts were removed from my Equifax credit report. Many of these accounts are open revolving accounts with excellent payment history. The accounts in reference are reporting just fine with the other bureaus. As you can XXXX this illegal tactic has decreased my credit score tremendously. I first noticed the accounts were removed back in XX/XX/2023 and have been calling trying to reach a resolution since then. When i contact Equifax they claim they dont know what the problem is and say theres nothing they can do to rectify this issue. Many years ago a similar situation like this happened with equifax and it turned out they had my credit file merged with someone else. I am in the process of purchasing a home and this has hindered my ability to do so at no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Was contact by XXXX on XX/XX/2024 about a collection. When I called them back I told them that I knew nothing about this debt, the receptionist sent me the the collector who was very rude. Expected me to give a credit card right then, I explained that I didn't know anything about the debt and that I needed proof, he did tell me it was from XXXX XXXX XXXX, but didn't tell me what it was for, and maybe a letter from them, which I have not gotten as well. 

I explained the him that having some compassion for people would get him better results then how he was treating me, he told me that he didn't need to do that, that he was a debt collector not customer service and he didn't need to treat me any way. 

I again explained that I knew nothing of this debt, he told me that either I pay it right now or he was going to go back to the company that sent it in and let them know that I refused to pay the debt and take the next steps. Again trying to explain that I didn't know what this was for. I finally hung up on him due to the rudeness and making me feel like I was a piece for having it in the first place. 

I did go to their website on the same day and submit a request for information and filed a complaint about XXXX, the collection specialist, but have not heard back from them as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: CA

Complaint narrative:
I did not give permission for these investigations and firmly suspect they're deceptive. I implore you to thoroughly look into them and swiftly delete them from my credit record. I've submitted corroborating documents for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV FUNDING LLC Last reported XX/XX/year> {$1800.00} Open balance XXXX XXXXXXXX XXXX XXXX XXXX Original creditor I never had that account, it was opened by someone else The credit bureau deleted this from from my records, but its appeared like collection now. Please take an action. Thank a lot

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

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 2024-03-18 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: FL

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

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 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXXXXXX || Account Number : XXXX XXXX || Account Number : XXXX. XXXX || Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX. XXXX || Account Number : XXXX. XXXX || Account Number : XXXX XXXX || Account Number : 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 2024-03-18 00:00:00
Product: Vehicle loan or lease — Loan
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: VW Credit
State: NC

Complaint narrative:
I paid off my car loan with VW credit inc. on XXXX XX/XX/2024. They still took a payment from me on XXXX XX/XX/2024. I called the company and they said that my auto-pay was cancelled and that the payment was a mistake. They sent me a paper check refund in the mail. This was understandable as the pay-off was close to the payment date. 
Now, on XXXX XX/XX/2024, VW credit has charged my account another {$600.00} car payment. XXXX weeks after I paid off the loan and received the title. I called them and they tried to tell me that the bank must have an auto-pay set up and had sent them the money. And that my account was closed and they cant see anything in regards to any auto-pay settings that may still exist with VW credit . 
So I called my bank and they reassured me that there was no auto pay through the bank, and that VW credit had sent an ACH transaction to them with my account number and routing number for the payment. My best option to make sure this didn't happen again was to do a stop payment, which cost {$20.00} dollars ( or better yet XXXX gallons of milk, XXXX loaves of bread, and XXXX dozen eggs ). I reluctantly agreed to a stop payment just to make sure that this didn't happen again. 
I called VW credit back and asked to speak with a manager who was very dismissive and would not let go of the fact that it was the bank who sent VW credit the money. I asked to speak with someone in their technical support department to make sure that my information was not still stuck in an auto-pay debit even though my account was closed an unable to me manipulated. he declined and told me there was nobody else to talk to. And he tried to insinuate that the bank was lying to me, which is incorrect. The man at the bank was looking at the transaction and explaining it to me. 
VW has a reputation for being shady, and even if this was an honest mistake they were unwilling to even attempt to do anything to help me besides stonewall. And now I'm out {$600.00} for who knows how long, until the snail mail paper check shows up, and {$20.00} permanently for the stop payment charge. I still have electricity and water to pay and this is going to severely mess with my financial obligations this month. I would sue VW credit if I could.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX and so on

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