vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Ally financial have a premium insurance on that protect the lender from default so when therea default they had already collect full payment from insurance XXXX and yet deceptive the consumer to owe the debt which they already collect from their premium insurance and write off tax and yet repossession andXXXXresell and make more money off a consumer 5x the value of thr car Voilate the fair debt collection act

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: TX

Complaint narrative:
TransUnion and XXXX are refusing to remove fraud accounts and information off of my report after providing police reports and FTC reports.

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 2024-07-30 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:
I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 


XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2024-07-30 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:
I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX.

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 2024-07-30 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: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2024-07-30 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: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft that I informed XXXX, XXXX and Transunion about years ago that my purse was stolen with my state issued identification, social security cards and debit cards was amongst those things in my purse and since then I have been struggling to build my credit history due to these fraud accounts that they won't allow me to establish my history

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft that I informed XXXX, Equifax and XXXX about years ago that my purse was stolen with my state issued identification, social security cards and debit cards was amongst those things in my purse and since then I have been struggling to build my credit history due to these fraud accounts that they won't allow me to establish my history

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: CA

Complaint narrative:
This complaint that I am writing/sending is absolute and certain. I am extremely frustrated on the errors being reported on my credit, I can not ignore these any longer as it has been affecting all aspects of my life negatively in ways you can not imagine. I am not getting approved new credit because of this errors and it's stopping me from having financial freedom and stability.

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 2024-07-31 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: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Todd, Bremer & Lawson, Inc.
State: CA

Complaint narrative:
I was employed as a XXXX XXXX at XXXXXXXX XXXX  and someone who proceeding illegally acquired my SSN for unauthorized tasks, stripped my employee number and new access id and placed XXXX holds on my account and freezed my position as an employee blocking access to the old number and email and the welcome letters. They also took away part of my past academic accomplishments which was completed and they removed it from my diploma.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2024 after checking my account balance I notice I had 3 unauthorized charges on my card from a in store purchase. I had never been to that XXXX location nor had I made the purchases. I called my bank immediately and disputed them. I was told one of the charge I was given a credit for immediately the other two I would have to wait 10 business days I call in within the 10 business days to check the status on XX/XX/2024 to only find my claim was denied and my credit was denied due to the card never leaving my possession and the pin being used. So I told the representative I didnt have the card I must of have drop it when I last used it but I wouldnt drive almost XXXX miles one way just to go to no XXXXt when I literally live 10 mins from one. She asked again did I have the card in my possession I told her no she filed the claim again and told me a again wait 10 business days for your provisional credit I waited those 10 business days which fell on XX/XX/2024 she made that very clear. On XX/XX/2024. I called in to Citibank to check the status of my claim and provisional credit only need to hear that the examiner has until XXXX to make a decision. I should know my decision by XXXXXXXX XXXX XXXXXX/XX/2024 No decision was updated after XXXX so I proceeded to call first thing that morning around XXXX on XX/XX/2024 to Citibank to get the status I was told that the claim wasnt filed until XX/XX/XXXX which I will wait until XX/XX/XXXX after XXXX  to find out the status of my claim XX/XX/XXXX XXXXXXXX XXXX  I call back once again to check the status of my claim and provisional credit where I was told again by another representative, the claim was processed until XX/XX/XXXX, so I will have to wait 10 days after XX/XX/XXXX get a decision on the provisional credit and possibly the claim. So everytime I call they push the date back further n further and would not give me a clear date. The guy threaten to close my account if I keep calling in because that not what they there for. Which was rude and unfair. So now I want to move forward with legal actions because the not what your contract states or what is read off to your customer when filing a dispute. I warn future customers to stay away from this bank

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 2024-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a personal checking account with BMO bank since it was close to my office. I opened the account online ; therefore, I wasn't able to deposit any checks for a few weeks. on XX/XX/XXXX, I deposited a check from my XXXX XXXX business account for {$5000.00}. On XX/XX/2024, I tried to log on to my online account. After several failed attempts, I called them to see why I can't log in. I was told BMO closed my account due to my check being investigated, red flagged and suspicious. I asked for an explanation to how this is possible. This is my business account for a medical office that has been licensed and operating for years. They said they had no information to give me. I asked where the funds were- the {$5000.00} deposited and I was told they have been sent back to XXXX XXXX XXXX where I had my business account. When asked for XXXX, the representative said they had no managers and hung up the phone on me. After speaking to XXXX XXXX, they said they did not get the funds. Called BMO again, now I'm told funds are sent to unclaimed properties. I check on unclaimed properties and there aren't any funds anywhere to be found. BMO has stolen {$5000.00} of my money and closed my account for absolutely no reason but discrimination.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. Below are the negative account / accounts impacting my credit. XXXXXXXX XXXX XXXX XXXX$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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:
according to the fair credit reporting act 15 usc 1681 section 602a states " there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. also fcra 605b says for the purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking, alco 15 usc 1666b-timing of payments says a creditor may not treat a payment on a credit card account under an open end late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered 21 days before the payment due date which I inform the credit reporting agencies I never received. also 15 usc 1637 requires disclosures by creditor before opening any account under an open end consumer credit plan, the conditions under which a finance charge may be imposed including the time period ( if any ) within which any credit extended may be repaid without incurring a finance charge. investigation failed to properly correct these erroneous reporting.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
according to the fair credit reporting act 15 usc 1681 section 602a states " there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. also fcra 605b says for the purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking, alco 15 usc 1666b-timing of payments says a creditor may not treat a payment on a credit card account under an open end late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered 21 days before the payment due date which I inform the credit reporting agencies I never received. also 15 usc 1637 requires disclosures by creditor before opening any account under an open end consumer credit plan, the conditions under which a finance charge may be imposed including the time period ( if any ) within which any credit extended may be repaid without incurring a finance charge. investigation failed to properly correct these erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
On XX/XX/year> I received an email verification request and that my mobile number had been changed. When I tried to log in, I was told that the account was compromised and that they would be issuing me a check and closing the account. The lady I spoke with said that no information about this would be sent to me even though I am requesting.

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 2024-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, Im disputing a debt listed under my name by Exeter Finance LLC. This dispute is based on several violations of consumer laws that I have identified. Below, I outline the specific laws and corresponding details of the violations : 1. **12 CFR 1006.34 ( b ) ( 5 ) Validation Information** : Exeter Finance LLC has failed to provide the required validation information as mandated by this regulation. I have not received adequate documentation or a proper explanation of the debt, including the name and address of the original creditor.

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) Information about the Debt** : The debt collection notice sent by Exeter Finance LLC did not include the necessary information about the debt, specifically the itemization of the current amount of the debt, as required by this section. This lack of transparency has hindered my ability to verify and validate the accuracy of the debt.

3. **12 CFR 1006.34 ( d ) Notice for the Validation Period** : Exeter Finance LLC did not provide a clear and conspicuous statement informing me of my right to dispute the debt within the validation period. This omission violates my rights to be properly informed about the process for disputing the debt.

4. **15 USC 1681s-2 ( a ) Responsibilities of Furnishers of Information to Consumer Reporting Agencies** : Exeter Finance LLC has reported inaccurate and unverified information to the consumer reporting agencies, in violation of this statute. They failed to ensure the accuracy and integrity of the information provided, leading to potentially erroneous entries on my credit report.

Company response to consumer: Closed with explanation