vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I secured a title loan with Wilshire Consumer in the amount of {$4800.00}. Every month I paid the payments on-time without an issue. On XX/XX/XXXX, I was laid off from my employment, but I was still able to make monthly payments until XX/XX/XXXX. I informed Wilshire in XX/XX/XXXX that I was recently laid off and that I would like to refinance my loan. I was informed that someone would contact me to conduct a re-write of the loan. By the end of XX/XX/XXXX, I still had not heard anything so I called weekly and every time I had to discuss the option for a re-write. XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX passed and I still unsuccessful with securing a re-write of my loan. I was not able to continue due to my unemployment had run out, but I still kept in touch with Wilshire. Starting in XX/XX/XXXX, Wilshire had tacked on so much interest and by XX/XX/XXXX, my payoff magically bloomed from {$4700.00} to {$6100.00} making it unreachable to payoff. On XX/XX/XXXX & XX/XX/XXXX, I received an email from Wilshire Consumer Financing stating that due to the decrease in value of my vehicle, they were offering a balance payoff of {$3000.00} from {$6100.00}. On XX/XX/XXXX, I was unfortunately involved in an accident in which the vehicle was deemed totaled by the insurance company. Upon contacting Wilshire to inform them of the accident, I was informed that they would honor the agreement of {$3000.00} for the vehicle ; however they refused to provide a letter a guarantee. I was contacted by the insurance company on XX/XX/XXXX stating that Wilshire had forwarded them a letter of guarantee, but was requesting the full insurance damage amount which was {$4800.00}, but they failed to adhere to the agreement that they had made with me regarding the {$3000.00} settlement amount. I contacted Wilshire on XX/XX/XXXX to discuss the refund of the difference of {$1200.00} and I was told to call back on XX/XX/XXXX once the insurance payment has cleared. Upon calling back, Wilshire has refused to adhere to the closure of the account per the letter of guarantee as well as return the overage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Im not sure what auto insurance this is, since I dont remember having insurance under this name. I guessed it may have been thru an umbrella company with different names under it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I scheduled a meeting with the branch in XXXX with a branch employee and the excutive director/president of the organization. The president decided not to go to the meeting but did not inform me. I stopped in at the branch since I had traveled over an hour to find out what my options were. The employee made it clear that they'd delay their options to help me remove my social security number from the card. The employee further issued a credit card to the president on the account without my approval as I had the managing authority over the finances at the time. The employee continued to manage the situations and managed the situation internally with other employees telling me that there was no need for me to be a part of the process moving forward, even though it was clear that I had to be present to remove my social security number from the account. I instructed the employee to stop their involvement with the card, and they persisted to anyway. The employee told me that they'll get all the information from the other person, my father, against company policy of updating the SSN on the card and having both the person who's SSN was on the card and the person who the card would be updated to to both be present in the branch. I received a text today from the president that told me that my SSN was removed, but M & T confirmed that that would be against company policy.

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 2024-11-15 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/year> - {$3000.00} INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year>

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 2024-11-15 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of an unauthorized inquiry on my credit report, which resulted from a data breach that compromised my personal information. In accordance with the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that the following inquiry be removed from my credit file : Unauthorized Inquiry Creditor Name : XXXX  Date of Inquiry : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I am formally requesting that Portfolio Recovery Associates cease all communication with me regarding account # XXXX. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to request that a debt collector stop contacting me. 

Additionally, I want to emphasize that any further attempts to contact me, including reporting this account to credit reporting agencies, would be considered a violation of the FDCPA. The court in XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ), affirmed that reporting to credit bureaus constitutes a medium of communication subject to such a request. 

I am submitting this complaint to ensure that Portfolio Recovery Associates honors my request and ceases all communication with me regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: MO

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Ive had issues with paying my Target Card in the past using their app and web portal. It frequently crashes as it moves between the app and a website for payments and then freezes. Additionally, the Target Card statements were going to my spam inbox ( XXXX  ) and I did not realize that. 

I thought I had made payments monthly when Im paid on the XXXX, but one apparently didnt go through most likely due to issues with their website. I also never received any sort of overdue payment notice until it had crossed 30 days. I discovered this when logging in to pay the nexts months balance and promptly made the payment. 

I have a long credit history ( XXXX  years ) including the Target card and have never missed a payment. This single late payment, which I made a good faith effort to pay and was never made aware it was overdue, is negatively impacting my credit. Ive requested that Target stop reporting this payment as late over 30 days, but received a generic response that the information is correct which is not accurate based on the information provided above. It is true that the payment did not process, but that was not my fault. There is absolutely no reason I wouldnt pay a {$30.00} bill by the due date as indicated by my credit history in general and to Target.

Im requesting the CFPB works with Target to better explain what happened and to request Target to send a correction to the 3 credit bureaus to remove the delinquent payment.

Thank you. I appreciate any help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint regarding an issue with Experian 's handling of my credit report. On XX/XX/year>, I received written confirmation from Experian stating that the XXXX  XXXX XXXX account was removed from my credit report. However, upon reviewing my report on XX/XX/year>, I noticed that the same account was reinserted without any notification. 

This reinsertion is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates that a consumer be notified within five business days if a deleted item is reinserted. I received no such notification, nor was I given an explanation or supporting documentation justifying the reinsertion. 

This action has caused undue harm by reintroducing inaccuracies to my credit report, negatively affecting my credit standing. I respectfully request the CFPB to investigate this issue and enforce compliance with FCRA regulations. I also seek confirmation that the account is permanently removed and measures are taken to ensure this does not happen again.

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 2024-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Abrahamsen Gindin LLC
State: NY

Complaint narrative:
I am a current victim of Identity theft which has been discovered in XXXX of this year XXXX. 
I have already submitted an identity theft affidavit through the Federal Trade Commission and reached out to my local police department to report this crime. 
This debt in the amount of {$1900.00} being collected by debt collection agency Forster and Garbus, LLC is included in this.

I have already tried to remedy this with the original creditor trying to collect this debt obtained illegally. This creditor is XXXX XXXX XXXX. 
I have sent them all the documentation to substantiate this claim including ; Police inquiry, FTC affidavit and proof of my compromised personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: NC

Complaint narrative:
I am writing to notify you that I have been a victim of a data breach, resulting in identity theft. Unauthorized accounts and credit inquiries have been fraudulently opened in my name without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the immediate blocking and deletion of the following fraudulent account and inquiries from my credit report : Fraudulent Account : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$4400.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
An account was made in my name and was used. Social security number was compromised and is on the dark web due to companies breaches especially XXXX XXXX XXXX. Although that is my home address, I have been working and traveling throughout the world and I currently reside in XXXX  not XXXX. I still own the house in XXXX XXXX  that the account was made on. I am a victim of identity theft and the debt collector bounce AI. I have never received any information from this debt collector or from any other entities involved. This debt showed up on my credit report about a week ago and I am trying to address it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: OH

Complaint narrative:
XXXX XXXX ; XX/XX/year> ; XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX XXXX account # XXXX ; balance of {$7900.00} XXXX. XXXX account # XXXX ; balance of {$0.00} XXXX. XXXX XXXX account # XXXX ; balance of {$500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: CA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue 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 2024-11-15 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: CA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue 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 2024-11-15 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: Affirm Holdings, Inc
State: OK

Complaint narrative:
There are XXXX accounts showing on my credit report. The accounts are with Affirm Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DID NOT apply for any credit with this company. I am reporting this as FRAUD. When I called the company the could not find the account using my phone number or the partial account numbers XXXX is showing on my reportXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MS

Complaint narrative:
I am writing to formally request the immediate blocking and permanent deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these entries were made without my authorization, in violation of my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$350.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX Multiple Entries ( Detailed Below ) {$0.00} XXXX XXXXXXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XXXX XXXX, XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$9700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$350.00} Fraudulent Inquiries XXXX XXXXl ( Multiple Dates ) XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, XXXX ; XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dates ) XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Dates ) XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX Multiple XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief