vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Texas XXXX Email : XXXX Phone : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website.

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : [ XXXX XXXX XXXX XXXX XXXX XXXX, Texas ] [ XXXX XXXX XXXX XXXX XXXX XXXX Texas ] There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling.

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] Additionally, I request the removal of the incorrect employers listed below : [ XXXX XXXX ] [ XXXX ] The only job I need listed is : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ] Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Each payment from my bank is Not being credited to my account. I make a payment for XXXX they tell me I still owe XXXX making me owe more payments. They said I owe XXXX to be paid off then say I owe XXXX to be paid off. I ask how many more payments I have out my XXXX payment contract they say XXXX payments. How is that XXXX when my payments XXXX a month. They are trying to keep my in a loan I have paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

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 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Ally Financial [ Address for Ally Financial Customer Service or Legal Department ] Subject : Request for Clarification and Formal Dispute Regarding Loan Assignment and Repossession To Whom It May Concern, My name is XXXX XXXX, and I am writing in connection with my auto loan for a XXXX XXXX XXXX Sportback ( VIN : XXXX ). This vehicle was repossessed on XX/XX/XXXX, by XXXX XXXX, XXXX, the dealership where I originally purchased the car. I am seeking clarification regarding the circumstances of this repossession and the potential return or reassignment of my loan to the dealership. 

I have maintained current payments on my loans with both Ally Financial and XXXX XXXX XXXX XXXX XXXX. While my loan with Ally did experience a slight delay, I can provide proof that it never reached repossession status. Despite this, XXXX XXXX, XXXX repossessed my vehicle without proper justification. I believe this action was taken based on an improper return or reassignment of my loan. 

My Requests : XXXX. Confirmation of XXXX XXXX : Please confirm whether my account with Ally Financial was ever in repossession status as of XX/XX/XXXX. 
If it was not, please explain why this loan was reassigned or sold back to XXXX XXXX, XXXX. 
XXXX. Documentation Regarding Loan Assignment : If the loan was returned or reassigned to the dealership, please provide : The date of the reassignment. 
The specific reason or clause invoked to justify this reassignment. 
XXXX. Reversal of Repossession : If the repossession was improper, I request that Ally Financial assist in rectifying the situation by coordinating the immediate return of my vehicle. 

I believe my rights under both state and federal laws may have been violated, as I have not breached the terms of my agreement in a manner that justifies repossession or reassignment. If I do not receive a satisfactory response within XXXX business days, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 

Please contact me at ( XXXX ) XXXX or XXXX if you require additional information or supporting documentation. I look forward to your prompt response to resolve this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX the account number XXXX, An account opened at XXXX XXXX on XX/XX/XXXX XXXX the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-08 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: VA

Complaint narrative:
I sent a request to all XXXX credit bureaus after receiving alerts of a data breach to send all documents with my signature to verify accounts were mine. I never received any documentation and items are still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: TX

Complaint narrative:
It stared in XX/XX/year> they blocked the card because my information was not updated and the I updated it and corrected information at the social security office and direct express, once I updated they sent a new card but my funds are not available the old card doesnt work I tried to access the funds through online banking and I tried to call XXXX different occasions they say they will call back in XXXX mins to no avail its been two months I cant access my account XXXX XXXX I cant pay my bills

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Its unbelievable how these unauthorized accounts are still showing up on my credit report, continuing to hurt my score. The impact on my life and opportunities has been severe, and Im done waiting for it to be fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Upstart/Finwise violating 15usc1681eb $ XXXX {$5000.00} theyre reporting inaccurate high credit, inaccurate last date active, inaccurate last reported dates. They illegally charged it off without sending me a 1099c I requested 1099c and they denied me one.i would like to request one now. 

XXXX XXXX XXXX XXXX XXXX violating 15usc1681eb. Theyre reporting inaccurate date opened, inaccurate high credit {$11000.00}, inaccurate last reported dates, inaccurate last date active. 

XXXXXXXX XXXX is violating 15usc1681eb they are reporting inaccurate last date active, inaccurate high credit {$1400.00}, inaccurate last reported dates, they charged it off without sending me an XXXX. 

XXXX XXXX XXXX violated 15usc681eb they also credited this as a charge off and never sent me a 1099c, theyre reporting inaccurate last reported dates, inaccurate high credit balances, inaccurate balances, inaccurate dates opened

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Upstart/Finwise violating 15usc1681eb $ XXXX {$5000.00} theyre reporting inaccurate high credit, inaccurate last date active, inaccurate last reported dates. They illegally charged it off without sending me a 1099c I requested 1099c and they denied me one.i would like to request one now. 

XXXX XXXX XXXX XXXX XXXX XXXX 15usc1681eb. Theyre reporting inaccurate date opened, inaccurate high credit {$11000.00}, inaccurate last reported dates, inaccurate last date active. 

XXXXXXXX XXXX is violating 15usc1681eb they are reporting inaccurate last date active, inaccurate high credit {$1400.00}, inaccurate last reported dates, they charged it off without sending me an 1099c. 

XXXX XXXX XXXX violated 15usc681eb they also credited this as a charge off and never sent me a 1099c, theyre reporting inaccurate last reported dates, inaccurate high credit balances, inaccurate balances, inaccurate dates opened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, a cashiers check for {$2300.00} was forged in my name and taken from my checking account at the chase bank on XXXX XXXX XXXX XXXX stolen drivers license was used in this incident so the individual could further pose as myself. 

On XXXX XXXX XXXX, I had a fraudulent check drawn for {$2000.00} from my account with the check number XXXX. This forged check cashed at CHASE Bank at XXXX XXXX XXXX in XXXX. 

Then on XX/XX/XXXX, a check of {$600.00} was forged and taken from my account at this branch as well, again using my stolen drivers license as as proof of identity Chase bank has refused to return this money to me despite providing multiple police reports and reporting this as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Dear XXXXir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : Account Name : SYNCB CARE CREDIT Account Number : XXXX Disputed Late Payment Entries : o XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX With discrepancies It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely, XXXX XXXX XXXX XXXX SYNCB CARE CREDIT XXXX XXXX XXXX XXXXXXXX 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
My credit report claims that I have too many phone numbers listed, which surprises me as I have never had a phone account ; I have only had prepaid phones. To add to this matter, I have had my identity stolen in the past by an ex, but that should be off my report by now as it was well over a decade ago. I can not imagine what markings I would have on my credit report, nor do I understand how too many phone numbers would be reported. Regarding the phone numbers, I ask that this be taken off my credit report as it is incorrect information. I have never had any account open with phone services. This is affecting my credit and ability to obtain a credit card. I also wish to know what markings I have on my credit report as my name is on nothing but one credit card ( XXXX XXXX ) and no bills of any form. I need to understand what is happening because it would appear that my identity might have been stolen. I ask that the numbers be removed and that I am informed on what derogatory items I could possibly have on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : Account Name : APPLE CARD XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Disputed Late Payment Entries : o XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX With discrepancies It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely, XXXX XXXX XXXX XXXX APPLE CARD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have already filed a complaint with the three credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life.

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