vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Inaccurate Information from Credit Report I am writing to dispute the following information on my Equifax credit report. The accounts in question are : Account Name and number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts contain several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( 5 ). According to these sections, all information on my credit report must be 100 % accurate across all three credit reporting agencies. If the information can not be verified as accurate, it must be corrected or removed.

This inaccurate information is unjustly affecting my credit standing. Therefore, I request that you investigate this matter and remove the inaccurate information from my credit report. Enclosed are copies of my credit report highlighting the inaccuracies, as well as any supporting documentation.

If my request is not fulfilled within 30 to 45 days, I will proceed with litigation to collect {$1000.00} in damages for each inaccuracy on my credit report, as permitted by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: NJ

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I've been paying the monthly payments since last year of XX/XX/XXXX. At times I was unable to pay the full amt of {$440.00}, because my husband has been XXXX  for months, but I was able to pay the existing principal balance off in XX/XX/XXXX, in which left the outstanding deferred balance. My husband co applicant XXXX XXXX died on XX/XX/XXXX. I still managed to pay a monthly payment as directed, up until I received an email on XX/XX/XXXX that my loan is in risk of charged off and repossession for a past due amount of {$4000.00}. I am so confused because I was told to continue to make payments and was not giving any options at the time the loan matured. I have spoken to a rep XXXX XXXX as of last week and was told repossession will not begin until the end of XXXX and that I was XXXX payments past due. I have never been 30 days or more delinquent on my account, but to hear I am XXXX payments past due have me wondering where my payment is I've been making in the last year. I've tried reaching out to supervisors, but with Ally Financial you get nowhere. I have proof of documents of my accounts and case numbers regarding my issues in the last year. Per my account balance shows and outstanding balance of {$6500.00} and it also shows the same balance for XXXX and XXXX report in which I have. I need help! I just want to be able to pay the outstanding balance off in the next 3-4 months as I was told.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: KS

Complaint narrative:
I opened a U.S. Bank business checking account in XX/XX/year> with a promo code that would credit a {$750.00} bonus after depositing ( within 30 days of opening account ) {$25000.00} and maintaining that balance for at least 60 days. 

I have not been credited with my bonus according to the terms and conditions. The bonsu should have been credited at the end of 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 2024-09-24 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: CA

Complaint narrative:
I see items on my credit report that I dont recognize, and I suspect my identity may have been stolen since I didnt authorize these accounts. Ive raised this issue before and now urgently request their removal from my report. These accounts dont reflect my true credit history and are causing me significant stress. If we cant resolve this, Im prepared to take legal action to protect my rights. These inaccuracies are major obstacles in achieving my financial goals, like buying a house and supporting my family. I hope we can address this issue promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: Synovus Bank
State: AL

Complaint narrative:
I will never stop REWRITING to SYNOVUS BANK and to XXXX XXXX XXXX to dispute inaccurate information on my credit report. As per response from the SYNOVUS BANK on my previous complaints my account has been sold to XXXX XXXX XXXX which I am not familiar and my personal information has been shared without my consent this is total violation of Fair Credit Reporting Act. I am already preparing to file legal actions against your company. 

My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XX/XX/year>. The FTC report numbers related to this complaint are XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I made a payment of {$76.00} to zero out my business line of credit ; the figure was provided to me by the bank. When my statement date XX/XX/XXXX through XX/XX/year> came, it reflected the payment applied to principal, interest, and fees. I called on XXXX to find out what the fees were for as I only have an annual fee due in XXXX. I was advised a ticket needed to be opened and was provided ticket number XXXX and to allow 24-48 hours. I called each day after that with no resolve/answer, being transferred from department to department. On XXXX I asked for a supervisor and was told that a supervisor would not give me any additional information. I asked if the call was recorded and that I would hold for a supervisor. After some time the agent advised the supervisor was busy with another customer and would call be back. I was given the supervisor name of XXXX. The supervisor did not call me back. I called everyday from XXXX XXXX XXXX, each call being roughly 30 minutes to find out what fee I had been charged and nobody could tell me what the fee was for and only advise more time was needed to look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: TX

Complaint narrative:
Experian has repeatedly violated my FCRA consumer rights on various levels. This company has refused to validate a fraudulent account. XXXX XXXX was opened fraudulent without my consent or acknowledgement. Experian has this account reporting under an address I never resided at. I recently went in a XXXX XXXX XXXX to get copies of this loan in my name and noticed the address Experian is claiming to verify is not the address associated with the loan. This also shows this was fraudulent the address on the loan is a address I never resided at and the address that's currently reporting on is a po box I never resided at as well. Ive repeatedly ask Experian to verify this debt. Experian has constantly lied and failed to do there due diligence. Due to Experian negligence this has cause serious hardship and defamation of character. Attached are copies of police report, FTC report, loan from XXXXXXXX XXXX, also a letter showing this debt was sold! Experian has failed me a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Despite receiving some documents received on XX/XX/year>, I have yet to receive all the necessary information, specifically a detailed breakdown of all charges and fees, as I requested in my letter dated XX/XX/year>. 

There is also a significant discrepancy that I would like to address. The last bill statement I received shows a balance of {$420.00}, yet your records state that the current balance is {$980.00}. This is a large difference, and I require a complete breakdown of all charges, fees, and any payments or adjustments made to the account that would explain how the balance reached {$980.00}. 

I reiterate my request for the following : 1. Verification of the amount of the debt, including an itemized breakdown of all charges, fees, and any payments applied. ( not received ) 2. Proof of ownership or assignment of the debt. ( not received ) 3. A complete payment history for the account. ( Received ) 4. A copy of the original signed agreement or contract that establishes my obligation to pay this debt. ( not received ) If you can not provide the requested information, I will continue to dispute the validity of this debt. Please provide the requested documentation within 15 days of receiving this letter. Failure to do so will result in my assumption that this debt is inaccurate, and I will take further steps to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Dear Portfolio Recovery Associates, I am writing to dispute the validity of the debt you have reported under the account number referenced above. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am formally requesting that you provide full validation of this debt. Until the requested information is provided, I dispute the debt and demand that any negative reporting regarding this account cease immediately. 

I require the following documentation to substantiate your claim : 1. The full name and address of the original creditor for whom this debt was allegedly incurred. 
2. A detailed breakdown of the amount you claim is owed, including a clear explanation of how it was calculated, itemizing any interest, fees, or additional charges. 
3. A complete and accurate copy of the original signed agreement or contract, which demonstrates that I am legally obligated to this debt. 
4. The assignment contract or purchase agreement showing the transfer of this debt from the original creditor to Portfolio Recovery Associates, establishing your legal right to collect. 

In addition, it has come to my attention that your attempts to collect on this debt may have violated my rights under the FDCPA, particularly in regard to unlawful communication practices as outlined in 15 U.S.C. 1692c. As a result of these violations, I am formally requesting that you immediately cease all further communication with me regarding this matter. 

If you are unable to provide the requested validation within 30 days or if your communication practices are found to be non-compliant with federal law, I will expect immediate action to remove this collection from all credit reporting agencies. Failure to provide proper validation or continued communication in violation of the law may result in further action on my part, including reporting your companys conduct to the Consumer Financial Protection Bureau ( CFPB ) and taking legal measures to enforce my rights under the FDCPA. 

I trust that you will handle this matter with the seriousness it warrants and look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-24 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: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: AZ

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH

Complaint narrative:
They reposed my vehicle after I received an auto loan and they sold the vehicle and still have an balance of XXXX plus reporting on my credit report demanding payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation