vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 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:
An auto loan that was for business is being reported on my personal credit report. The business closed and filed bankruptcy in XXXX XXXX. The court ordered the return of the vehicle by the business to XXXX in XXXX XXXX. Ally was notified that the business was voluntarily surrendering the vehicle and that they could get the vehicle anytime they wanted by the business also in XXXX of XXXX as per the court 's directions. The business bankruptcy was in the Tennessee XXXX Bankruptcy Court and the case number is XXXX. It was filed XX/XX/XXXX, the meeting of creditors was held on XX/XX/XXXX and the case was finalized on XX/XX/XXXX. The attorney that represented the business for the bankruptcy was XXXX and XXXX located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX. This is currently being reported on my personal credit even though my name is not on the vehicle or any of the paperwork from the dealership for the purchase and financing of this vehicle. My name should have never been affiliated with this loan. This should be removed from my credit report at all credit reporting agencies. I am attaching the installment agreement and the purchase contract from the dealer that the vehicle was purchased from and financed through showing that my name is not on this and that it is only in the business name.

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 2024-09-20 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: NC

Complaint narrative:
I was reviewing my Consumer Report recently and I discovered that there were accounts reported that do not have permissible purpose. The information that is being reported is adversely affecting my character, my creditworthiness, my reputation, and my mode of living as a consumer. This is a clear violation of several federal laws that are governed by the Fair Credit Reporting Act, the FDCPA, and Title 18 under identity theft. 15 USC 6801 and 6802, talks about disclosure of non-public personal information and privacy obligations but it is clear that since my identity has been used, XXXX, TransUnion, and XXXX have not upheld their obligations as consumer reporting agencies. Since there was no permissible purpose, per 15 USC 1681b, and non-public personal information was transferred without authorization, per 15 USC 6801, this is a clear indication of identity theft, which is stated in 18 USC 1028.

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 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently reviewed my credit report and identified an account that seems inaccurate and was added without my authorization.

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 2024-09-20 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: PA

Complaint narrative:
I am writing in response to your recent decision indicating that you were unable to process my dispute due to an unclear or illegible request. I find this response unsatisfactory, as I was emphatically specific in my initial correspondence, outlining the inaccuracies that require investigation. 

I respectfully remind you of your legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that you investigate any dispute submitted by a consumer in a timely manner. I complied with the guidelines under the FCRA by clearly identifying the account in question and specifying the nature of the dispute. The details I provided included the following : Account Name/Number : XXXX XXXX XXXX Dispute Reason : identity theft, and account reporting inaccurate and incomplete information by failing to mark account disputed. 

This information was explicitly outlined, and I am confident that it met the standard for requesting an investigation. If there was any issue with the legibility of the request, I would appreciate specific feedback on which aspect of my correspondence caused confusion. However, it is my belief that this response is an attempt to circumvent the FCRAs requirements and delay your obligation to investigate. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the disputed information can not be verified, it must be removed from my credit report. I expect you to adhere to this provision and conduct a thorough investigation of the disputed information. Failure to do so constitutes a violation of your duties under the FCRA. 

Please initiate the investigation and delete the inaccurate information from my credit file. I would appreciate receiving confirmation of these actions. Should you require any further clarification or additional documentation, please contact me directly at the address above. 
Thank you for your prompt attention to this matter. 
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 non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I signed a contract originally for 84 months at 11.29 % APR with first payment made XXXX XXXX. I deferred XXXX payments during XXXX. the original last payment should have been XX/XX/XXXX. So it would have been extended to XX/XX/XXXX However, I just made the XXXX payment on XX/XX/XXXX and I still have a remaining balance of {$1600.00}. 
To date I have paid {$28000.00} in interest however the contract states total interest paid was supposed to be {$25000.00} After XXXX  when I made a payment in XXXX and XX/XX/XXXX the entire payment went 100 % to interest with no principle. 
I am not getting an answer from the company as to why they are charging my more interest. the extra interest they took from the payments is causing the principle to not be paid off and I am required to pay more payments even though I am already over the 84 month as per contract. 
Are they allowed to charge over the contract amounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My payment history is generally consistent, and these late payments do not reflect that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
My credit report shows that I received two separate loans, on the same day, from the same company. This is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as 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 to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: ID

Complaint narrative:
I read my consumer report and I noticed personal information that shouldn't ' be visible. I called the credit reporting agencies and let them know the information included in the documents attached are not to be visible. I have never given written consent to report at anytime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/year> I deposited a check for {$17000.00} that I wrote from my business account to be deposited into my personal chase checking account. 
Chase held the check for 14 days, and after the 14th day sent me a letter stating my account had been closed and my money would be refunded to me within 6-8 weeks. Its now been 10 months, and I have went to many branches and spent hours and hours getting documents, printed, scanned to chase verification dept, including XXXX tax returns, operating agreements, CPA financial statements, etc trying to prove that I own the account where the check came from. The managers of local chase bank have helped me send documents then have me call in a few days to the verification dept only to be told the same thing. Check still needs to be verified to be released please help me Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: GA

Complaint narrative:
XXXX, Equifax, and XXXX! 
I need my name and current address corrected immediately! And others removed, Ive sent numerous email and documents. I would like for someone to take immediate action! 
Theyre reporting addresses Ive never lived at and Im not receiving any of my mail from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: MA

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 informationisinaccurate.

Please remove these Inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as 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 to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
This account was from years ago and I had no knowledge of it. This collection should not be on my credit report. Data has resorted to be false, misleading, and deceptive means in their collection effort, thereby violating my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: FL

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 informationisinaccurate.

Please remove these Inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: AR

Complaint narrative:
I AM UNABLE TO MAKE AN FINANCED PURCHASES OR OPEN A BANK ACCOUNT RATHER IT IS THROUGH ONLINE OR IN THE SPECIFIED BRANCH. I KEEP RECEIVING EMAILS AND PAPERS FROM EACH BRANCH SAYING THE SAME THING ABOUT ME FALLING UNDER THE FAIR CREDIT REPORTING ACT AND 4 HARD INQUIRIES. THE INQUIRED ACCOUNTS THAT WERE OPEN AND AUTOMATICALLY CLOSE WAS TO SEE WHERE I COULD CASH A CHECK IN BECAUSE MY VERIFICATION KEEPS GETTING DENIED SINCE MY NAME ON MY ID DO NOT MATCH WITH THE CHECK BECAUSE I HAVE AN ADDITIONAL APOSTROPHE IN MY NAME. I HAVE NO CREDIT HISTORY, EXPENSES, DEBT, FEES, CHARGES, OR ANYTHING. I AM ASKING FOR MY INQUIRIES TO BE DISPUTED AND CLOSED OFF ALL CLOSED ACCOUNTS THE ONLY BANKING ACCOUNT I HAVE OPEN AND IS BEING USED IS XXXX I HAVE NOT HAD THE CHANCE TO BUILD ANY CREDIT AND DO NOT HAVE ACCESS INTO DOING SO LET ALONG SET UP A BANK ACCOUNT WITH MY LOCAL BANKING INSTITUTION IN MY AREA.

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 2024-09-20 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: TX

Complaint narrative:
I contacted the credit bureaus regarding errors on my credit report. I asked them to conduct an investigation because the information I have is different and each bureau has different information from the other ones. There are errors on several accounts and I need it fixed as soon as possible. The credit bureaus have not conducted a reasonable investigation and they have not corrected my reports. I sent them documents on two occasions and they have not complied with their duty to correct or delete incorrect information. It is costing me greatly because my scores are suffering as a result of this and I have been unable to get a response other than their generic response without them actually investigating. Seeking legal help because at this point I don't know where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: GA

Complaint narrative:
Hi This is XXXX XXXX XXXX. My medical record XXXX with XXXX XXXX. I noticed my credit scored drop and when I checked with my bank some debit collection agency XXXX XXXX had reported for not paying bill so I called XXXX and then I called XXXX XXXX and on XX/XX/year> I paid full amount XXXX to them. But on XXXX I found out that they didnt forwarded that amount to XXXX and they were still showing balance. So I sent them proof but they said ask XXXX XXXX to send us money so I went to that web site it still showed XXXX cents as interest I paid online. When I talked to thier supervisor they said they will send money to XXXX and will send me my refund as on XX/XX/XXXX balance was fully paid so there should be no interest on XXXX balance. 
But I havent seen that refund till today and when I asked them the account statement they refused to provide me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
I am writing to formally dispute a debt that you are attempting to collect on behalf of another party. I believe this account is inaccurately reported on my credit report. 

To date, you have not provided any statements or documentation directly from the original provider that verifies your legal right to collect on this debt. Without this verification, I can not accept the legitimacy of this claim. 

I request that you provide the necessary documentation to confirm your authority to collect this debt. If you are unable to do so, I ask that you delete this account from my credit report immediately.

Company response to consumer: Closed with explanation