vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 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: AZ

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX : {$4100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$9600.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX Balance XXXX {$530.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: DISCOVER BANK
State: GA

Complaint narrative:
It appears that the party in question has violated the Fair Credit Reporting Act ( FCRA ) by unlawfully accessing my consumer reports from XXXX, XXXX, and XXXX without proper authorization or permissible purpose as outlined in the FCRA. As a consequence, they are potentially liable for actual damages, statutory damages up to {$1000.00}, and punitive damages. I am open to resolving this matter amicably without admission of liability. I request that the party in question ceases accessing their consumer reports and remits {$1000.00} to their my within 14 days of receiving this demand. Upon receipt of the payment, I will consider this letter a general release of all claims herein. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I attempted to have a negative item removed from my credit report that was the result of fraud. I searched online and found XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) on XXXX through a verified XXXX. I agreed to the terms of the service that he described and was forwarded to his case workers to proceed with the service of credit repair ( for the fraudulent account ). I was made to take out a loan/financing agreement with XXXX  ( a financing company ) in order to begin my credit repair with XXXX XXXX XXXXXXXX XXXX XXXX I agree to pay monthly for a service that was to include a case manager that I would actively work with to improve my credit profile through a tailored strategy from their credit expert/case managers all while they simultaneously cleared my credit report of any inaccurate information/fraudulant information. After a few months with no contact from anyone ( except on the week of a scheduled payment, Id receive a text informing me of my upcoming payment and a message saying they was still working on removing the same account ). I contacted someone from the credit repair company to see why I was not receiving any communication from my case manager to build my credit and why was they still saying that they was attempting to remove the same negative account for 3 months. I told them that I was not receiving the service that I agreed to pay for and was given excuses and told that I had to keep paying them or they was going to report negatively on my credit report. I then contacted XXXX  ( the finance company ) to request that they void my finance contract because I was not receiving the service that I agreed to pay for. They told me that they contacted the credit repair company and was told that they provided me the service ( when I have text messages from them confirming the opposite ). XXXX proceeded to report my account negatively to the credit reporting agencies causing my credit to plummet and resulted in me being denied credit lines as well as even insurance because of my lowered scores.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I RECENTLI REVIEW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULERTS ON MY REPORT, PLEAS REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTINGMY ABLLITY TO OBTAIN CREDIT THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: Rent Recovery Solutions
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: IL

Complaint narrative:
i disputed these addresses they are unmailable means mail did not reach its intended distination due to the address being incorrect, incomplete or illegible XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ill XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22 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: GA

Complaint narrative:
I requested the credit bureaus update my personal address to my current and correct residence of XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, where I have lived for over three years. I provided supporting documentation, including a recent utility bill and a copy of my driver 's license, as proof of residency. 

Despite my request and the provision of sufficient documentation, the credit bureaus have failed to update my address and remove all other addresses from my credit profile. This inaction is causing me significant inconvenience and may negatively affect my credit standing and ability to conduct financial transactions.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I have the right to request and expect that the information maintained in my credit report is accurate, complete, and verifiable. The bureaus ' failure to update my personal address may constitute a violation of this law, as they are not ensuring the accuracy of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: TN

Complaint narrative:
I have sent a letter to these credit bureaus concerning my personal information and they have not responded, nor have they updated the information. Please update my credit report with one name, one date of birth, and one address. All of the other information is inaccurate on my report. Please delete.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have sent a letter to these credit bureaus concerning my personal information and they have not responded, nor have they updated the information. Please update my credit report with one name, one date of birth, and one address. All of the other information is inaccurate on my report. Please delete.

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 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/year> I went to PNC Bank in XXXX on XXXX XXXX XXXX and went to the drive up ATM which I do every month to deposit cash for my mortgage payment. At the ATM, I deposited {$3400.00} cash in XXXX XXXX and XXXX dollar bills only, however the ATM only accepted {$700.00} of that and spit out XXXX or XXXX XXXX and did not acknowledge the rest of the cash I put in. I tried to recheck the cash insert to see where the money went, maybe it was stuck or sticking out but nothing was there. I immediately went into the bank and explained what happened and initiated an investigation and asked for the XXXX to get someone to open up and check the ATM. They said they couldnt do anything to help and it would be XXXX days until they investigate. I said I was going to put in a police report since the ATM stole my money and then all of a sudden they were able to issue me the money the ATM took but didnt recognize ( {$2600.00} ) the next day. Fast forward to today, I get a letter from PNC stating that the investigation is resolved and that there was no error on the ATMs part and they are going to reverse the credit that they issued me. I have months of deposits showing me depositing cash at the ATM for my mortgage around the same amount so why would XXXX be any different? I have to fill out an appeal with PNC but the ATM is the picky option to deposit cash at this bank, they removed the tellers so I cant even have a human count my money let alone when an ATM malfunctions like it did this day, theres no one able to open it up and check so I had to wait days for help and come to find out it didnt matter anyway and its my word against theirs that I had that amount in my deposit. You should be able to see in the camera footage at the ATM I had a lot more than just {$700.00} in cash going into the machine, now what am I supposed to do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-22 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: IL

Complaint narrative:
i disputed these addresses they are unmailable means mail did not reach its intended distination due to the address being incorrect, incomplete or illegible 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i disputed these addresses they are unmailable means mail did not reach its intended distination due to the address being incorrect, incomplete or illegible 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

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 2024-04-22 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
Request for correction of credit report -compliance with federal laws -opportunity to cure. i am reaching out to address concerns regarding the accuracy of my credit report as it pertains to my investment. As an investor, under 15 U.S. Code 1681s-2, it is mandated that as a furnisher of information, must provide precise and truthful information to credit reporting agencies. In accordance with the fair credit reporting Act ( FCRA ), All companies reporting has violated my federally protected consumer rights under the FCRA section 602- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. This means that I have the right to privacy. My credit report is non-public personal information that should be protected to avoid situations like this one I am addressing today, pursuant to 15 USC 6801 ( b ) ( 3 ) -protection of non- public personal information.Under the FCRA section 604 permissible purposes of consumer reports states ; any consumer reporting agency may furnish a consumer report under the following - ( 2 ) in accordance with written instructions of the consumer to whom it relates. This means a consumer reporting agency can not furnish an account without written instructions or authority of the consumer. The only way a company can obtain permissible purpose is by a court order or the consent of the consumer. Im giving 15 days to delete all accounts and correct my consumer report. All inquiries needs to be deleted this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Request for correction of credit report -compliance with federal laws -opportunity to cure. i am reaching out to address concerns regarding the accuracy of my credit report as it pertains to my investment. As an investor, under 15 U.S. Code 1681s-2, it is mandated that as a furnisher of information, must provide precise and truthful information to credit reporting agencies. In accordance with the fair credit reporting Act ( FCRA ), All companies reporting has violated my federally protected consumer rights under the FCRA section 602- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. This means that I have the right to privacy. My credit report is non-public personal information that should be protected to avoid situations like this one I am addressing today, pursuant to 15 USC 6801 ( b ) ( 3 ) -protection of non- public personal information.Under the FCRA section 604 permissible purposes of consumer reports states ; any consumer reporting agency may furnish a consumer report under the following - ( 2 ) in accordance with written instructions of the consumer to whom it relates. This means a consumer reporting agency can not furnish an account without written instructions or authority of the consumer. The only way a company can obtain permissible purpose is by a court order or the consent of the consumer. Im giving 15 days to delete all accounts and correct my consumer report. All inquiries needs to be deleted this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. 

I have had multiple loans with XXXX, XXXX and have never been LATE. 
Because the instalments are AUTOMATICALLY drafted out of a bank account. 

Have tried numerous times to reach out to XXXX, XXXX and they can not find this account number in their system, which is negatively reporting on my credit report. 

XXXX XXXX XXXX account # XXXX SHOWS XXXX DAYS LATE ON - XX/XX/2022 In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 1,200 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Credit Acceptance refused to give me paperwork showing the original price of the car given a false balance given a false percentage paid in and the car was re-sold already. You cant collect the debt twice. Secondly, exact debt is on my credit twice under two different names same date same amount XXXXXXXX XXXX who is an affiliate of credit acceptance.

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 2024-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
There are two problems that happened during the application process : 1. I was told that based upon my income, and that I was a first-time home buyer, I qualified for the lower interest rate of 6 % and lower fees. I took the classes they required, provided my XXXX along with all the other documents USAA wanted, but then about a week before closing, I was informed by XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( USAA reps ) that I no longer qualified for the lower rate and fees. I asked multiple times to provide me with documentation as to what they were basing it on. The only answer that I finally received was from XXXX over the phone telling me that based upon the information provided by my employer, I no longer qualified for the program. They never told me what the information was so I could defend myself nor provided me with any documentation. She only said that I no longer fell into the " median income '' to qualify because I could earn more than the median. My XXXX show differently which is what I ACTUALLY earn. I have been penalized based upon information that I do not even know what it is without even given a chance to defend myself. 

XXXX. I expressed my concerns with my loan being serviced by XXXX because of the horrible customer service reviews they have online. None of the documents I was given prior to closing showed that XXXX would definitely be the loan servicer. Instead I was told multiple times that " they may possibly but we won't know until after closing ''. That is not the case because AT closing, there was a document at the very back of the packet that said I agreed to let USAA give my information to XXXX so they could service my loan. I called XXXX XXXX from the title company and she said that I didn't have to sign the document but that USAA would cancel everything if I didn't. 

Now that USAA has 100 % turned over my loan to XXXX, they need to send me a letter telling me this and giving me the information so I can make my payments. USAA never told me that just XXXX would now be servicing my loan. I received absolutely no communication at all from USAA or XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank
State: MD

Complaint narrative:
I have an inquiry on my credit report from First Progress that is inaccurate, unfair and violations of the consumer credit laws.First Progress has sold this alleged debt to a nonaffiliated third party without my consent.First Progress has also illegally charged off this alleged debt without sending me a 1099c statement and even though the account has already been closed and wrote off by their corporation, my credit report still shows a balance which is unlawful as well since the alleged debt has been wrote/charged off.These above acts are inaccurate and unfair practices by consumer law

Company response to consumer: Closed with explanation