vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: ME

Complaint narrative:
Dear CFPB, I am writing to seek your assistance with an ongoing issue involving American Credit Acceptance. Despite numerous attempts to resolve this matter through dispute processes, the inaccuracies persist and are affecting my credit profile adversely.

Account Information : Account Name : American Credit Acceptance Disputed Information : Repossession and sale of vehicle, missing Right to Redeem, 1099-C, and Notice of Deficiency American Credit Acceptance repossessed and auctioned off my vehicle but failed to provide me with the following essential documents : Right to Redeem : I did not receive a notice or any opportunity to redeem the vehicle before it was sold.

1099-C Form : I have not been provided with a 1099-C form, which is required for reporting canceled debt.

Notice of Deficiency : I did not receive any notice of deficiency that details any remaining balance or deficiency after the auction sale.

I have disputed this account on multiple occasions with the credit bureaus, yet the inaccurate information continues to appear on my credit report. This lack of proper documentation and notification constitutes a violation of my rights and is being inaccurately reported on my credit profile. 

I urgently request the CFPBs intervention to rectify this situation. I demand the immediate removal of this account from my credit reports due to the absence of proper documentation and the failure to follow legal requirements regarding repossession and debt collection. 

Your prompt assistance in addressing this issue and ensuring that my credit report is corrected is greatly appreciated. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was astounded and XXXX  to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-08-14 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:
Fraudulent Auto Account : Following the breach, a fraudulent auto account was opened in my name. I did not authorize this account, and it is a clear case of identity theft resulting from the XXXX data breach. 
Negligence in Addressing the Issue : Despite multiple attempts to resolve this issue with XXXX, the fraudulent account remains on my credit report. XXXX has been negligent in removing or updating this account, causing significant distress and potential financial harm to me. 

Fraudulent Auto Account : Following the breach, a fraudulent auto account was opened in my name. I did not authorize this account, and it is a clear case of identity theft resulting from the XXXX data breach. 
Negligence in Addressing the Issue : Despite multiple attempts to resolve this issue with XXXX, the fraudulent account remains on my credit report. XXXX has been negligent in removing or updating this account, causing significant distress and financial harm to me. 

The presence of this fraudulent account has negatively impacted my credit score.

I have spent considerable time and resources attempting to resolve this issue without success.

The ongoing presence of this account poses a risk to my financial stability and future creditworthiness.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Fraudulent Auto Account : Following the breach, a fraudulent auto account was opened in my name. I did not authorize this account, and it is a clear case of identity theft resulting from the Equifax data breach.

Negligence in Addressing the Issue : Despite multiple attempts to resolve this issue with Equifax, the fraudulent account remains on my credit report. Equifax has been negligent in removing or updating this account, causing significant distress and potential financial harm to me.

Fraudulent Auto Account : Following the breach, a fraudulent auto account was opened in my name. I did not authorize this account, and it is a clear case of identity theft resulting from the Equifax data breach.

Negligence in Addressing the Issue : Despite multiple attempts to resolve this issue with Equifax, the fraudulent account remains on my credit report. Equifax has been negligent in removing or updating this account, causing significant distress and financial harm to me.

The presence of this fraudulent account has negatively impacted my credit score.

I have spent considerable time and resources attempting to resolve this issue without success.

The ongoing presence of this account poses a risk to my financial stability and future creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: CA

Complaint narrative:
Fraudulent Auto Account : Following the breach, a fraudulent auto account was opened in my name. I did not authorize this account, and it is a clear case of identity theft resulting from the XXXX data breach. 
Negligence in Addressing the Issue : Despite multiple attempts to resolve this issue with XXXX, the fraudulent account remains on my credit report. XXXX has been negligent in removing or updating this account, causing significant distress and potential financial harm to me. 

Fraudulent Auto Account : Following the breach, a fraudulent auto account was opened in my name. I did not authorize this account, and it is a clear case of identity theft resulting from the XXXX data breach. 
Negligence in Addressing the Issue : Despite multiple attempts to resolve this issue with XXXX, the fraudulent account remains on my credit report. XXXX has been negligent in removing or updating this account, causing significant distress and financial harm to me.

The presence of this fraudulent account has negatively impacted my credit score.

I have spent considerable time and resources attempting to resolve this issue without success.

The ongoing presence of this account poses a risk to my financial stability and future creditworthiness.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm writing to alert you about fraudulent personal information linked to my identity. Multiple accounts and transactions have been wrongly attributed to me without my knowledge or approval, causing me considerable distress. I've fallen victim to identity theft and have already reported this incident. This situation demands immediate attention, as it has negatively impacted my financial stability and personal standing. I request your assistance in swiftly removing all fraudulent data from my credit report and conducting a comprehensive investigation into this matter. I stand ready to provide any necessary evidence and, if required, initiate legal proceedings to protect my rights and seek appropriate compensation. Your immediate response to this critical issue is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: AZ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an alert that my HELOC card was trying to be used at store and that my card was being blocked. I reached out to Bank of America around XX/XX/XXXX and advised that it wasnt me who attempted the transaction. After logging into the account ; I noticed I couldnt see any of the transactions done on the card through the mobile app. Once I was able to get to my computer ; I noticed 5 other fraudulent charges that happened on my card. On XX/XX/XXXX, I spoke with an agent who said he had filed a dispute for the charges. After he did that he transferred me to the fraud department of the HELOC where I spoke to a woman who also stated that she disputed the charges. I call back the next day because I seen that the fraud alert was still attached to my account when I attempted to login. When I spoke to the rep XXXX, he advised me that he couldnt see any open or closed disputes on my account. Ive been told now around 4 times over the span of week an excuse why this bank isnt doing their job in removing the fraud block on my account and actually disputing the fraudulent charges. I have been told people will call me back and to no avail. Im at the point of wanting to get a lawyer involved for the TERRIBLE BUSINESS PRACTICES being committed by a bank that is supposed to protect me and my account against fraud. Also, havent received a notification of a new card being sent even though I sent a signed a letter with my DL and social security card attached requesting a new one. If this situation isnt rectified within the next 72 hours ; I will have no other choice but to start legal proceedings.

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 monetary relief
Consumer complaint received 2024-08-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been trying to obtain my credit score along with a detailed copy of my credit report for about 6 months. I have tried numerous forms of communication with Experian to handle this issue but nothing has changed. First I was told for security purposes they couldnt update or provide me any information so I completed the recommended steps and nothing happened. Upon calling back with the same issue I was then told they couldnt update or provide me any information because there was a freeze on my account. I proceeded to unfreeze my account and was given a reference number XXXX and was told the freeze was removed. And still to this day XX/XX/2024 I am still unable to review my current credit score or report with Experian.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are several addresses on my credit report that are incorrect.

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