vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carvana Group, LLC
State: FL

Complaint narrative:
I am requesting the Trustee information for this account XXXX are in violation it says Carvana is the grantor of my trust and thats fraud. Carvana also sold my private information to a third party debt collector XXXX. The Fair Debt Collection Practices Act allows to pursue damages, statutory damages. 

Pursuant to 15 USC 1692a Pursuant to 18 USC 914, states whoever falsely personates any true and lawful holder of any share or sum in the public stocks or debt of the United States, or any person entitled to any annuity, dividend, pension, wages or other debt due from the United States and under color of such false personation, transfer or endeavors to transfer such public stock or any part thereof, or the money of any person really entitled to recieve such annuity, dividend or other debt shall be fined under this title or imprisoned not more than five years or both.

Pursuant to 15 USC 1692e states, Protects I the consumer against false representation, misleading statements, threat of action and unfair practices that can not be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: NC

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 CHILD SUPPORT XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
CHILD SUPPORT XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I was a victim of this data breach and I want this account be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: MS

Complaint narrative:
I've been trying for XXXX months to access my account so I can pay my bills and debts, I've sent my driver 's license, social security card and birth certificate numerous times and they keep saying that it s no good if anything, been hung up on couple times they keep saying that they will call me back, but never do.i have been to the social security office and they say my money has been sent to direct express, but direct exspress will not give me my money..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: CA

Complaint narrative:
I was prompted to pull my credit report after recently learning that my information was leaked in the XXXX data breach. I see personal information and accounts on my report that do not belong there.

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 2023-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act this creditor have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b a creditor may not treat a payment on a credit card account under an open end consumer plan for any purpose. So I would like them to be removed completely or I would have to take legal action for breaking the law and failing to abide the federal law compliance policies.

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 2023-12-07 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: NM

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.

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education : account XXXX XXXX and XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2023-12-07 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: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been trying to apply for a rental. When the property management runs a background check, I am being told that I am denied due to a rental score. This score is based on me being evicted. However, I have not been evited. During Covid lock down, I was late paying my rent a few times. Only had to go to court once. The court hearing was dismissed, but is being reported as an eviction. I am still residing in the current address and have been renting there for 3 years and 6 months. I am being denied rental anywhere I apply based off of the third party rental screening. There is no eviction on my record.

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 2023-12-07 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: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
There is an unauthorized hard inquiry on my account from XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX- I dont now know them nor tried to get an auto loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
Payment status is showing up incorrectly. Payment was made during the company 's system failing. Conformation was sent that payment was received. The company 's system never processed the payment due to the new system having issues, allowing the system to crash repeatedly over a 2 week span.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Our mortgage are consistently late. This month we received our statement on XX/XX/XXXX and we put the check in the mail day. We also called truist and informed them of it. We have called them multiple times about this issue. When we got XX/XX/XXXX statement we saw that they had processed the payment on XX/XX/XXXX making our payment one day late payments are actually die on the XX/XX/XXXX and late by the XX/XX/XXXX. So now they are charging us {$50.00} late fee even though it is their fault and they were informed of the situation they said that they were unable to reverse the late fee and they had to turn it over to a supervisor and they would call back. We have called and called. They keep saying that they will call us back but we have yet to receive a call.

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 2023-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint against TransUnion, one of the major credit reporting agencies, for apparent violations of the Fair Credit Reporting Act ( FCRA ), specifically in relation to the accounts listed below. I have provided all the necessary details for your investigation : 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 Despite my request for TransUnion to reinvestigate the accuracy of the information on these accounts, they have asserted that everything is complete and accurate. However, I wish to bring to your attention that the open date, date of last activity, and other crucial details on these accounts are inaccurate. This raises serious concerns about the accuracy and integrity of the information provided by TransUnion, which directly impacts my creditworthiness. 

As per 15 U.S.C. 1681i ( 5 ) of the FCRA, TransUnion is obligated to modify accounts that are not reporting information correctly. It appears that TransUnion has failed to adhere to this statutory requirement by dismissing my concerns without adequately addressing the inaccuracies present in the reported information.

Furthermore, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall not furnish any information to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. It is my belief that the information furnished by TransUnion is indeed inaccurate, as evidenced by the discrepancies in the open date, date of last activity, and other pertinent details on the listed accounts.

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against TransUnion if violations of the FCRA are confirmed. Additionally, I would appreciate any guidance or assistance you can provide to rectify the inaccuracies in my credit report and ensure compliance with federal consumer protection laws.

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 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANCO POPULAR DE PUERTO RICO
State: NC

Complaint narrative:
On XXXX  company responded. They did not address how/who/why the account was locked. 
They also said they needed a document of which we furnished them a copy ( email ) for the 3rd time. 
Since XX/XX/XXXX we have made NUMEROUS attempts to contact the person we were directed to contact. She was NEVER available and they would not address the status of release of funds. 
As of now it appears they have blocked our phones or simply will not accept our calls.. 
This situation has been ingot for 18 months with NO response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; US Department of Education : account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; US Department of Education : account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have banked with Marcus for several years now with no issue. 

On XX/XX/XXXX, I received a phishing phonecall with someone trying to gain access to my account. I immediately changed my password. 

on XX/XX/XXXX, I attempted to log back in to my account, and it had been frozen due to fraud investigation on XX/XX/XXXX, I called Marcus support, asking for more information on what had happened, whether my funds were safe, and how to regain access to my account ASAP. I was given no explanation, just told that the information was " locked '', and to call back in 5 days XXXX, I called Marcus support again, asking the same questions. Was told again by agent that my account was locked, and they were unable to provide an estimated resolution timeline, or any additional information. Just to be patient and wait for a phonecall/email with next steps ( that they could not provide an estimated arrival date for ) While I appreciate the protections put in place to guard against fraud, I am extremely concerned about the way this is being handled. No one has been able to even tell me if my deposits are safe or when/if I will be able to access those funds again? As you can imagine, this is a major issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
I have a charged off account on my credit for {$32.00}, XXXX from XXXXMAZDA FIN SVC. Account number : XXXX. I was told the vehicle was never recovered which is why it's showing as a reposession. I was never in possession of the vehicle and was unaware the vehicle monthly payment had never been received. The vehicle has always been with XXXX XXXX, the second joint owner. The vehicle can be recovered and I want to know how that all affect the balance owed. or how can I be removed from full financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I filled out an application for mortgage assistance on XX/XX/2023 with PHH mortgage. It started with them stating that they never received my email when I have proof of delivery, they then one month later decided to request additional information which I gladly sent over the same day on XX/XX/2023 for a modification, to this date I keep getting the run around and still no answers on the application for a loan modification. No one in the company is able to assist or answer any questions or even transfer a phone to a a supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Viewed the credit report and it shows that the XX/XX/2023 payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/2023. A payment is {$250.00} was paid on XX/XX/2023, at XXXX XXXX confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/2023, at XXXX XXXX confirmation number XXXX. Called XXXX and spoke to a supervisor at XXXX XXXX, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. They fixed the problem and reported it current and when I checked it today they changed it back 30 days late when it was not 30 days late. If this error does not get fixed I will get my lawyer involved. On XX/XX/XXXX, it showed correctly on my credit report now in XXXX its showing incorrectly.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. said company had 4 days according to the LAW to remove such items. FTC fraud report was on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquire was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for an e oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXXXXXX 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 i will be filing form 211 treasury omb forms to audit consumers account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with non-monetary relief