vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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:
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. 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. XXXX, TransUnion and XXXX  are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below 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 2025-01-28 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: PA

Complaint narrative:
They violated my rights as a consumer under 15USC1681B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/XXXX my company vehicle was in a total loss accident in XXXX XXXX, XXXX. 

My company vehicle is financed thru Ally Financing. Today I am writing this letter and it is XX/XX/XXXX and I have not heard anything from Ally Financing. I have mailed them information and I sent an email and the only response was to give them a call. 

I have called several times and the gentleman that works in the Loss/Claims dept. states that he has not been able to speak with anyone from XXXX XXXX XXXX but the Insurance company say they haven't been able to speak with anyone from Ally, but I am the client and have been able to speak with both of them. XXXX XXXX has been quite responsive and I have attached email conversations. The only answer Ally 's representative gives me is that they haven't heard anything from the insurance company and I need to continue paying for a vehicle I no longer own, and they can not lower or negotiate a payment method until they hear something from the insurance company. This has been going on now 3 months going into the 4th month. 

As a customer I just want some type of resolution to make payment arrangements so I can move forward, and I was 30 days late because I wanted to hear something from Ally and they immediately submitted a late payment notice and the credit bureau lowered my credit score by XXXX points. I sent a letter to the company and they responded that they had the right to do it, but they do not want to reach out and have a conversation to settle with the insurance company and I am baffled. 



Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XX/XX/XXXX {$4500.00}, XXXX XX/XX/XXXX {$3000.00}, XXXX XXXX XX/XX/XXXX {$3500.00}. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XX/XX/XXXX {$4500.00}, XXXX XX/XX/XXXX {$3000.00}, XXXX XXXX XX/XX/XXXX {$3500.00}. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have been receiving ongoing promotional mailings from Bank of America card. I do have a credit card account with them but I no longer want to receive promotional offers. I never signed up to receive them. They are coming way too frequently and are taking up my small apartment mailbox. I've been trying to reach someone on the phone but it is impossible to get through to anyone which is unacceptable.

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 2025-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I placed numerous disputes with XXXX dispute confirmation # XXXX and dispute confirmation # XXXX requesting more information and to delete the collection from my report because its covid related, I loss everything all my personal possessions and home due to the covid pandemic, I never was able to return back to my home in XXXX to pay the utility bill. 
I can't travel in person to resolve the debt I'm now XXXX miles away, so basic functional information is absolutely essential for me to resolve the debt. I did several months contact the company XXXX  through one possible number, but I was told the company does not have any debt collection department and that all that could be verified is my basic information with no debt owned... 
I also requested for XXXX to remove this item from my report because the phone number which is mentioned on their report doesn't make any sense it is mentioning only a nonfunctional phone number, a contact phone line which is currently disconnected, no fax number and no website no way to contact the company which makes it impossible to resolve or pay ... XXXX STILL later reported the information accurate with a disconnected phone number. 
the name of the COLLECTION AGENCY IS Southwest Credit Systems in the amount of {$100.00} with a covid date of around XXXX, ONE MONTH RIGHT BEFORE THE COVID SHUTDOWN

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-28 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I have a capital one credit card. I have had 5 late fees added to my statements. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I noticed they were charging me XXXX dollars per late fee. I called them to ask about the XXXX dollar cap and they misunderstood at first thinking I was saying I wasn't late. I restated that I was calling because the amount they are charging per late fee. She sent me to a supervisor named burnice she was going to refund 2 of the late fees and my son mentioned in the background about filing a complaint with the CFPB. XXXX then changed her story to only being able to fix one of the late fees. She said the other ones were too old and she can't do anything about them. I asked what their justifications were to not fixing them and they told me that the terms and conditions that I signed in XXXX trumped the regulations of the CFPB. They also told me that it was only for accounts created after XX/XX/XXXX of XXXX. It seemed like they kept changing their story and they did not like it when my son mentioned the CFPB and didn't want to help us out of spite.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: WI

Complaint narrative:
I requested forbearance back on XX/XX/year> after being laid off. Moehla recently told me it can take up to 90 days for it to process. I have NEVER heard of forbearance taking that long to process. In the past with my previous student loan servicer it would only take a day or two at most for it to be processed. They would also include any back payment and not report me to the credit agencies.

Moehla is not doing any of that which is not how forbearance works, at least in my previous experience. This is completely unacceptable. 

Sincerely, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I am writing to address the three charged-off accounts under my name with XXXX XXXX XXXX XXXX XXXX These accounts represent a challenging chapter in my financial journey, one that has been marked by significant hardship, including the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe recovery time. 

The financial strain I endured during this period was immense. The pandemic severely impacted my income, leaving me unable to meet my financial obligations. The unexpected medical expenses and physical recovery following my car accident compounded this hardship. These events were entirely out of my control, and I am now striving to rebuild my life and my financial stability. 

Currently, these charged-off accounts are weighing heavily on my credit report and hindering my ability to move forward. In good faith, I am asking for their complete removal from my credit report with all three major credit bureaus ( XXXX, XXXX, and Equifax ) .I kindly request a written response within 15 days of the date of this letter. Please send your agreement on your company letterhead so I may proceed with payment immediately.

This is not just about resolving a financial matter ; it is about rebuilding my life after extraordinary setbacks. I trust XXXX XXXX XXXX XXXX to recognize my genuine intent to resolve these accounts and my effort to move forward responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
Company name : Trident Asset Management Address : XXXX XXXX XXXX, XXXX GA XXXX This account is closed and is reported by their company for a balance of {$610.00}. I have not agreed to or signed a contract with this company and I asked it be removed from my credit report. 

Company name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX This account is closed and are reported twice in my credit report. your company for a balance of {$1000.00} and {$810.00} and the balances are incorrect. I have not agreed to or signed a contract with this company. I fell on hard times and communicated this with XXXX XXXX so I asked that this be removed. 

These 2 companies are relentless and refuse to remove anything that is a result of falling on hard times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is closed and is reported by their company for a balance of {$610.00}. I have not agreed to or signed a contract with this company and I asked it be removed from my credit report. 

Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is closed and are reported twice in my credit report. your company for a balance of {$1000.00} and {$810.00} and the balances are incorrect. I have not agreed to or signed a contract with this company. I fell on hard times and communicated this with XXXX XXXX so I asked that this be removed. 

These 2 companies are relentless and refuse to remove anything that is a result of falling on hard times.

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 2025-01-28 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-28 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-28 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: LA

Complaint narrative:
The inquiries on my credit reports are false and must've been exposed in a data breach.

Company response to consumer: Closed with explanation