vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This vehicle loan has been paid in full. J.P. Morgan Chase has failed to update the account balance and status

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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 recently reviewed again my TransUnion, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-05-06 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: NJ

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a copy of my First Advantage consumer report that was furnished to XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX for employment screening purposes. The report included educational history verification and incorrectly states that I did not graduate from XXXX XXXX  XXXX University. 

To show that I graduated from XXXX XXXX  XXXX University with a XXXX XXXX XXXX ( XXXX ) in XXXX XXXXXXXX XXXX  XXXX on XX/XX/XXXX, I provided First Advantage with a copy of my university transcript. 

Additionally, the university provides free online degree verification through the registrar. I provided the URL to this service as well as the key that would allow First Advantage to electronically verify my credentials. 

On XX/XX/XXXX, First Advantage denied my dispute, writing that [ we ] have completed our reinvestigation of the disputed information and have verified that the original information provided on the background report was reported accurately. Therefore, no change has been made to the background report originally produced. Additionally, the letter sent to the wrong address. 

The outcome of First Advantages reinvestigation of my dispute is clearly erroneous. A cursory examination of the documents I provided would prove that my claims of possessing a bachelors degree are correct. First Advantages failure to correct the information on my background report is a per se violation of the Fair Credit Reporting Act. 

Additionally, First Advantage addressed my letter to the state of Mississippi, even though I have never lived in Mississippi. 

On XX/XX/XXXX, I wrote First Advantage a demand letter requiring that First Advantage correct my report, inform XXXX XXXX  XXXX of the dispute, add a personal statement to my background check report, provide me with a description of the procedure used to investigate my dispute, and provide me with an updated copy of my background report. 

Also on XX/XX/XXXX, I received an email from the XXXX XXXX XXXX, the data furnisher that First Advantage used for my erroneous educational history verification. XXXX  XXXX XXXX XXXX confirmed that the information provided to First Advantage was erroneous and notified First Advantage to place a new request to see the corrected data. 

As of XX/XX/XXXX, I have not received any correspondence from First Advantage, in violation of the time limit required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: GA

Complaint narrative:
XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, Under 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 and 15 USC 1666B. 

XXXX XXXX XXXXXXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX, and any late payments from merchants have violated my rights. XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Balance - {$5.00}, this is incorrect. 

This information is incorrect from XXXX. 

Late Payments aren't supposed to be on a consumer 's credit report and XXXX XXXX  XXXX and XXXX didn't follow the proper guidelines to inform me about late payments on my account. By violating the guidelines of 15 USC 1666B - Timing Of Payments, They didn't send me any notice. They have ruined my credit score of XXXX points and I believe I was targeted. 

Best, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: GA

Complaint narrative:
XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, Under 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 and 15 USC 1666B. 

XXXX XXXX XXXXXXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX, and any late payments from merchants have violated my rights. XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Balance - {$5.00}, this is incorrect. 

This information is incorrect from XXXX. 

Late Payments aren't supposed to be on a consumer 's credit report and XXXX XXXX XXXXXXXX and XXXX didn't follow the proper guidelines to inform me about late payments on my account. By violating the guidelines of 15 USC 1666B - Timing Of Payments, They didn't send me any notice. They have ruined my credit score of XXXX points and I believe I was targeted. 

Best, 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 2024-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX my car was repossessed out of my driveway at XXXX am. 

I immediately tried to call and find out any information I could. They told me I had to wait a week to receive something in the mail I never did. 

I then called a week a some days later again to finally be told what the price was. I paid everything on XX/XX/XXXX and then was told I had to wait until XX/XX/XXXX to receive my car back. I go to pick up my car and immediately notice all the physical damages that they had caused to my car. 

My right side backseat door frame is damaged and had white paint still on it from whatever they hit my car with, I had minor scratches in multiple places all over my car, my trunk cover was ripped off the hinges and broken, my back seat had a hanger jammed in between and wouldnt close. On top of all that my back drive tire was now half flat, and my brakes were squeaky. 

When I got the car they had already stared it for me so I immediately drove to work from the lot since I hadnt been able to work due to not having a car. When I got out of work at XXXX my car would not start, it said the parking brake was malfunctioning, the airbags were now faulty. This is a 2017 car that has not had any issues besides regular maintenance and tires in the past. 
I was able to get a jump started that lasted my drive home, when home I turned the car off and in the morning car now wouldnt start at all. I replaced the battery a {$300.00} expense, the battery was drained due to the other damages but it wasnt the battery. I have now not had a working car in a month and Ally Auto will not give me any answers. My first claim was closed with no response and my second claim is being completely ignored until I go away. Every time I call they waste an hour plus of my life having me talk to multiple people and then telling me I have to go through that email that wont reply to me. 

Ive XXXX XXXX XXXX because I cant make it to work, Im about to XXXX XXXX XXXX  as well. This has been so emotionally exhausting and draining I cant even eat or sleep anymore.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Remove the following account from my credit report due to false and misleading information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting the wrong information such as the balance and account activity. I have included the response letter from the original creditor stating that the balance activity was last updated in XXXX, but you are reporting activity in XXXX. The payment information is also inconsistent between all XXXX credit bureaus. This is a violation of the FCRA. Lastly, this account has been re-aged and is past the statute of limitations in the state of Texas. This debt has been uncollectible since XXXX. This account is to be removed from my credit report within 7 days of receipt of this complaint or I will move forward with my intent to sue. Please be aware that this is not a third party, and I am standing firm in my belief that your company is furnishing incorrect information causing harm to me as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: PR

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to file a formal complaint regarding an unauthorized account that has been reported on my credit file. This account, associated with XXXX XXXX XXXX, was opened without my knowledge or consent, and despite repeated attempts to rectify the issue, it remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I am deeply concerned about the accuracy and integrity of my credit report. The unauthorized account in question has not only damaged my creditworthiness but has also caused significant distress and inconvenience. 

Despite my diligent efforts, the responses I have received from XXXX XXXXXXXX XXXX  have been limited to mere statements without providing any tangible evidence to support their claim of my authorization for the account. I have not been presented with any signed agreements or documents proving my consent for the opening of this account. Therefore, I am left without any evidence to justify the inclusion of this account on my credit report. 

I assert my rights under the FCRA to dispute inaccurate or unauthorized information on my credit report. I demand that XXXX conduct a thorough investigation into this matter and promptly remove the unauthorized XXXXXXXX XXXX XXXX  account from my credit report. 

Enclosed with this letter are copies of relevant documentation, including correspondence with XXXX XXXXXXXX XXXX  and any supporting evidence, to substantiate my claim. 

I expect a prompt and thorough response to this complaint, along with written confirmation once the unauthorized account has been removed from my credit report. Failure to address this complaint in a timely and satisfactory manner will leave me no choice but to escalate this matter to the appropriate regulatory authorities. 

Thank you for your attention to this urgent matter. I look forward to your prompt resolution and response. 

Sincerely, 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 2024-05-06 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: CT

Complaint narrative:
I recently reviewed again my XXXX and Experian credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-05-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/24 - received an email from XXXX XXXX XXXX about security breach and informing me that I can get free credit Protection from Experian. Do you know provided instructions for me to sign up with Experian online or over the phone. I tried to sign up online and reset my password, etc., but I was still receiving an error. 

XXXX I called the number on the email above to contact Experian. XXXX. I was on hold for nearly 30 minutes with no answer. 

XXXX in an effort to get hold of a person I called XXXX XXXX XXXX. That was the technical support business services. I spoke to a person named XXXX, who informed me that may consumers were calling to complain that they could not reach a person about problems signing up for Experian as well. He said he tried to contact a person for them to speak to, and he was unable to. He also informed me that he informed his superiors that this is a problem And told them that customers are calling him because they can not contact a person via all other avenues. 

He offered to transfer me to another number XXXX. However, no matter what option I selected, I could not speak to an individual- And there was no way this problem could be resolved without an individual because I had already reset my password, and that was the only option they were providing. 

I am an XXXX, and I am filing this Complaint because I am certain that other individuals are having the same problem that I am having. I will continue to raise this to legislators as well. I will post it on XXXX and all other social media so that people know this is a problem and file complaints. I will not stop until the problem is resolved.

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 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/year> Citibank , N.A . 
XXXX XXXX XXXX XXXX  XXXX, SD XXXX Your Reference No. : XXXX XXXX XXXX. XXXX VALIDATION REQUEST AND CEASE AND DESIST Dear Sir/Madam : You are seeking money from me for a debt amount I dispute. Please send me proof I owe the debt and stop calling the above number until you do. 

PLEASE CEASE AND DESIST FROM CONTACTING ME AGAIN WITHOUT FIRST VALIDATING THE DEBT. STOP CONTACTING MY PHONE NUMBER, EMAIL OR TEXT ABOVE. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : $ THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR ; XXXX VERIFICATION OF THE DEBT ; AND XXXX  A COPY OF ANY VERIFICATION OR JUDGMENT IF IT EXISTS; PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU VALIDATE. DO NOT THREATEN MY CREDIT. I DISPUTE THIS. 

Thank you for your immediate cooperation.

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 2024-05-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC
State: IN

Complaint narrative:
Here we go again. In XX/XX/XXXX, I cancelled a debt consolidation service with Americor for, among other things, failure to pay my creditors from the funds I was providing them in their debt settlement program. This led to a complaint filed with your office, referenced as complaint number XXXX, from which Americor provided your office with an outlandishly false response suggesting they in fact were paying my creditors as agreed, and they went as far as to suggest they would offer {$500.00} to me as a good faith gesture to resolve the issue. 

Unsurprisingly, while your office considered the complaint 'closed ', I of course never received Americor 's 'good faith payment ' as they misled you they would send me. But even more troubling is since that complaint I have received confirmation from one of my creditors that, as I originally outlined in my first complaint, Americor did not in fact pay my creditors as they claimed they did. 

One of my creditors - XXXX - provided me with a breakdown of missed payments ; three of those four missed payments ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) were payments that I made to Americor as part of their debt settlement program - however, XXXX - the actual creditor to whom Americor has falsely claimed they sent my payments- in fact did NOT receive those payments at all.

Americor reported to both myself and your office they made those payments, however evidence provided by one of the creditors themselves clearly shows Americor in fact did NOT make those payments, and instead pocketed the funds themselves.

This is yet another documented example that Americor failed to deliver the services they promised, then misled me about those services, then misled your office after I notified you in a complaint of their actions, and now further evidence supports Americor engages in willful fraudulent behavior and their direct and willful fraudulent misrepresentations to your office regarding same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: TX

Complaint narrative:
I am submitting this complaint to address an issue regarding late payments on my credit record. After reviewing my records, I discovered the presence of these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in promptly and effectively resolving this matter.

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