vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Violation of the Fair Credit Reporting Act by Equifax Dear CFPB Team, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax regarding my ongoing disputes about inaccurate information on my credit report, specifically concerning an account listed as XXXXXXXX XXXX XXXX XXXX. 

Since XX/XX/year>, I have been mailing dispute letters to Equifax regarding this inaccurate account. As of XX/XX/year>, it has been over five months without resolution, despite the FCRA stipulating that credit bureaus must conduct an investigation within 30 days. Equifax has continued to stall my requests by sending me delay letters, which is unacceptable. 

Furthermore, I would like to draw attention to Section 2 of the FCRA, which states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Both the financial institution involved and Equifax do not have my consent to furnish this information, nor do they possess any written consent from me. This lack of authorization raises serious concerns about the legality of the information being reported. 

I urge the CFPB to investigate this matter and hold Equifax accountable for their actions. I appreciate your attention to this serious issue and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Violation of the Fair Credit Reporting Act by Equifax Dear CFPB Team, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax regarding my ongoing disputes about inaccurate information on my credit report, specifically concerning an account listed as XXXXXXXX XXXX XXXX XXXX. 

Since XX/XX/year>, I have been mailing dispute letters to Equifax regarding this inaccurate account. As of XX/XX/year>, it has been over five months without resolution, despite the FCRA stipulating that credit bureaus must conduct an investigation within 30 days. Equifax has continued to stall my requests by sending me delay letters, which is unacceptable. 

Furthermore, I would like to draw attention to Section 2 of the FCRA, which states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Both the financial institution involved and Equifax do not have my consent to furnish this information, nor do they possess any written consent from me. This lack of authorization raises serious concerns about the legality of the information being reported. 

I urge the CFPB to investigate this matter and hold Equifax accountable for their actions. I appreciate your attention to this serious issue and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Violation of the Fair Credit Reporting Act by Equifax Dear CFPB Team, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax regarding my ongoing disputes about inaccurate information on my credit report, specifically concerning an account listed as XXXX XXXX XXXX XXXX 

Since XX/XX/year>, I have been mailing dispute letters to Equifax regarding this inaccurate account. As of XX/XX/year>, it has been over five months without resolution, despite the FCRA stipulating that credit bureaus must conduct an investigation within 30 days. Equifax has continued to stall my requests by sending me delay letters, which is unacceptable. 

Furthermore, I would like to draw attention to Section 2 of the FCRA, which states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Both the financial institution involved and Equifax do not have my consent to furnish this information, nor do they possess any written consent from me. This lack of authorization raises serious concerns about the legality of the information being reported. 

I urge the CFPB to investigate this matter and hold Equifax accountable for their actions. I appreciate your attention to this serious issue and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Creditors can not access my Equifax report. It is not frozen or locked on my end. I called and Equifax said they had placed their own security lock on my account. They instructed me to send in my ID and social security card, along with a letter. I did this, and received a letter back stating there was no lock on my account. My account remains inaccessible by banks. I called again on XX/XX/year> and was told that it was " not removed, even thought I sent the documents in, but they are removed now. '' Unfortunately, this isn't true. Creditors still can't access my reports. I called again XX/XX/year>, and the rep had no idea what to do and gave me the number for businesses to call if they can't access my report. This is a mess. I need it fixed so creditors can access my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: American Credit Acceptance, LLC
State: MO

Complaint narrative:
I am writing in reference to the account with American Credit Acceptance located at XXXX XXXX XXXX XXXX XXXX, SC XXXX, which you claim I owe {$21000.00}. Pursuant to 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt. 

This request includes, but is not limited to, communication by phone, email, or mail at my home, workplace, or any other location. Please note that this request is made in accordance with my rights under federal law. 

Additionally, I request that you not contact any third parties in relation to this matter unless permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Violation of My Consumer Rights!!! This is Not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Also {$1000.00} for each Violation commented 15 USC 1692 ( g ) 15 USC 6801 ( n ) 15 USC 6803 16 CFR 433.2 18 USC 911 15 USC 1662 28 USC 3002-3 28 USC 3002-4 28 USC 3002-10 Posseion of Product with TITLE!!! 
{$1000.00} EACH VIOLATION OF MY CONSUMER RIGHTS!!! 
RETURN ALL MONIES TO THE Executive of the Estate of XXXX XXXX XXXX XXXX XXXX With 15 % Interest of VALUE OF THE CONTRACT AT HAND!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account has several inaccuracies. I have tried disputing these inaccuracies with the credit bureau multiple times in which the bureau comes back and states that account was verified and updated. I opened three disputes which I have listed below. I am wanting this account deleted under Section 609 of the FCRA. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. 
Late payments from XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX were all on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AL

Complaint narrative:
On XX/XX/year> I received notification from MOHELA that interest will continue to accrue on my loans despite being in forbearance due to the SAVE litigation. I believe MOHELA 's failure to provide clear, understandable information violates consumer protection laws and the servicers obligation to ensure borrowers are fully informed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am unable to activate my prepaid card. I have called about 6 times and they will not validate or activate it. Then they said this card was subject to fraud, but would not replace it. They want me to fax them my SS # and government issued ID to a random number. No one on the phone will help. I have never used this card and it should have a full {$300.00} balance. I received the card as a wedding gift. 

The card was purchased on XX/XX/year> and never used. I am unable to use the card. I have contacted XXXX online and on the phone multiple 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 2024-12-07 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: FL

Complaint narrative:
This account was charged off on the following date : XX/XX/year>XXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: AL

Complaint narrative:
Just recently disputed this account for several inaccuracies as it relates to payment received, the conflicting account status and account information, and requested a 1099 since the debt has been written off by the creditor. However, on XX/XX/year>, the creditor XXXX responded to the complaint and boldly stated that they would continue to report this account onto my credit as both open and charged off. An account can not be charged off and open simultaneously. Per 1026.11 Treatment of credit balances ; account termination, please correct or remove immediately. I am already involved in litigation with the car dealership that sold me this vehicle, the maker of the vehicle and the insurance company for knowingly selling me this vehicle with hidden engine issues. If this is not removed immediately, I will proceed with a lawsuit against XXXX as well for statutory damages as I have disputed these inaccuracies on several occasions with the Credit reporting agencies and have filed a complaint with the CFPB on XX/XX/year>, XX/XX/year>, and XX/XX/year>XXXX  and the inaccuracies remain. This is a direct violation of the FCRA and CFPB regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: AL

Complaint narrative:
Just recently disputed this account for several inaccuracies as it relates to payment received, the conflicting account status and account information, and requested a 1099 since the debt has been written off by the creditor. However, on XX/XX/year>, the creditor XXXX responded to the complaint and boldly stated that they would continue to report this account onto my credit as both open and charged off. An account can not be charged off and open simultaneously. Per 1026.11 Treatment of credit balances ; account termination, please correct or remove immediately. I am already involved in litigation with the car dealership that sold me this vehicle, the maker of the vehicle and the insurance company for knowingly selling me this vehicle with hidden engine issues. If this is not removed immediately, I will proceed with a lawsuit against XXXX as well for statutory damages as I have disputed these inaccuracies on several occasions with the Credit reporting agencies and have filed a complaint with the CFPB on XX/XX/year>, XX/XX/year>, and XX/XX/year> and the inaccuracies remain. This is a direct violation of the FCRA and CFPB regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: AL

Complaint narrative:
Just recently disputed this account for several inaccuracies as it relates to payment received, the conflicting account status and account information, and requested a 1099 since the debt has been written off by the creditor. However, on XX/XX/year>, the creditor XXXX responded to the complaint and boldly stated that they would continue to report this account onto my credit as both open and charged off. An account can not be charged off and open simultaneously. Per 1026.11 Treatment of credit balances ; account termination, please correct or remove immediately. I am already involved in litigation with the car dealership that sold me this vehicle, the maker of the vehicle and the insurance company for knowingly selling me this vehicle with hidden engine issues. If this is not removed immediately, I will proceed with a lawsuit against XXXX as well for statutory damages as I have disputed these inaccuracies on several occasions with the Credit reporting agencies and have filed a complaint with the CFPB on XX/XX/year>, XX/XX/year>, and XX/XX/year> and the inaccuracies remain. This is a direct violation of the FCRA and CFPB regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: IN

Complaint narrative:
There was a bal in variable rate side of helco loan. starting in XXXX XXXX, of XXXX. I attempted to pay that amount off. I made payments of XXXX in total 1st pymt was XX/XX/XXXX. After making payments and noticing bal was not reflecting correcting. I called in to mortgage dept to request pymt be applied to variable rate bal. A XXXX dollars was applied to bal of {$160.00} bal was then {$67.00} paid XXXX more XXXX was applied, A XXXX cent bal remained 5 times I called requesting that bal to be paid .made a {$1.00} payment requesting that to pay XXXX  cent bal. then that XXXX XXXX bal doubled to {$1.00} called again to complain. At that time XXXX cents was removed. Still leaving a XXXX  cent bal!!!!. At this time was completely frustrated with PNC. bank this continued for the whole month of XXXX and now into XXXX when they tried to correct issue again online showed Idid not have my normal pymt due for XXXX even though Mgr. told me told me online was incorrect. So i made pymt due XX/XX/XXXX that pymt has been applied to principal only no interest. and i still have a XXXX  cent bal. This is not first time I've had a problem with the bank and this issue!! please help me sort this out, PNC has made it impossible to use my ( DRAW ) portion of this loan and want it corrected if possible. PNC keeps sayi g it will be corrected but makes a bigger issue with Balance 's

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am just now finding out about an additional account that was opened fraudulently using my information again. This is the fourth one since last month. LVNV FUNDING LLC has made no attempts to contact me to let me know about this debt or give me the opportunity to dispute it. If they had done what they are required to do by law, I would have immediately told them the debt was fraudulent and a result of identity theft and provided them an updated police report. I have both an FTC and police identity theft report filed detailing my identity theft. I just updated the FTC report today to include this new debt that I am just now discovering through this debt collector, the police report will take longer to get an updated copy. I am a victim of several data breaches including but not limited to ; XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX XXXX XXXXXXXX ( XXXX ). All have left me battling identity theft and ransoming things popping up on my credit for YEARS. There is, again, an active fraud alert on my credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: SC

Complaint narrative:
I am just now finding out about an additional account that was opened fraudulently using my information again. This is the fourth one since last month. XXXX XXXX XXXX has made no attempts to contact me to let me know about this debt or give me the opportunity to dispute it. If they had done what they are required to do by law, I would have immediately told them the debt was fraudulent and a result of identity theft and provided them an updated police report. I have both an FTC and police identity theft report filed detailing my identity theft. I just updated the FTC report today to include this new debt that I am just now discovering through this debt collector, the police report will take longer to get an updated copy. I am a victim of several data breaches including but not limited to ; XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX  XXXX XXXX ( XXXX ). All have left me battling identity theft and ransoming things popping up on my credit for YEARS. There is, again, an active fraud alert on my credit accounts.

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