vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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:
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. 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 XXXX 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 information is inaccurate.

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 2025-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
Over the course of my loan with Exeter Finance they have repeatedly harassed me ( 5+ calls a day ) my mother who isnt on the loan and has been told to not contact, my brother who is not on the loan who they have been told not to contact. Numerous times they were given the only appropriate phone number to reach me but they still refuse to by now not even calling me just people not even on my loan. This company will repeatedly harass you no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX MO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX MO XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
Mohela is the loan servicer. I'm on the public service loan forgiveness program. Some of my loans are not be counted towrds that and they have them in forbearance which could possibly interrupt and delay my payment counted towards my loans being forgiven. I called back in XX/XX/2023 and they dont have straight answers as to why all of my loans are not showing under my PSLF. 
I have been in the military for 13 years and my student loans should be forgiven by now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: OH

Complaint narrative:
Re : Dispute of XXXX XXXX XXXX Account No. XXXX Dear [ Credit Bureau ], I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account listed on my credit report. Despite my previous attempts to address this matter, the information continues to be reported inaccurately and in violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681. 

The following issues must be resolved immediately : XXXX. Incorrect Balance Reporting : The account is listed as a charge-off but is still reflecting a balance. This is inaccurate, as charge-off accounts are required to be written off by the creditor as uncollectible. Additionally, charge-offs should be accompanied by the issuance of a 1099-C form if applicable, indicating debt cancellation. Reporting both a balance and a charge-off is misleading and a direct violation of the FCRA. 
XXXX. Verification Process Not Followed : In my previous dispute, I requested a thorough investigation into the accuracy of this account. However, the response I received stated that the information was verified. This response fails to address my specific concerns or provide the evidence necessary to substantiate the validity of the reporting. This does not meet the requirements for proper dispute resolution under the FCRA. 

Given the continued inaccuracies, I am demanding the immediate removal of this account from my credit report. Under FCRA Section 1681i ( a ), I am entitled to a prompt and accurate reinvestigation of disputed information. Failure to comply with these requirements constitutes a violation of federal law. 

As a consumer, I have the right to an accurate credit report. The presence of inaccurate information on my credit report is harmful and may be actionable. I trust that you will take this matter seriously and address it promptly. 

Please provide written confirmation of your investigation and the steps taken to resolve this dispute within XXXX  days of receipt of this letter. If you fail to remove the inaccurate information, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter. Please contact me at [ your phone number ] or [ your email address ] if further information is needed. 

Sincerely, XXXX XXXX XXXX Let me know if youd like to make any adjustments or add additional details.

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 2025-01-03 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: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
From XXXX, 2016 I was paying Lexington Law firm {$100.00} a month to repair my credit. Months will pass by and I wouldn't get an update. They would send me letters stating that they have sent out letters to the credit bureau on my behalf.. I never notice a n improvement in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: AL

Complaint narrative:
I am filing a complaint regarding the handling of my credit report by XXXX, XXXX, and Equifax. Despite my multiple requests for re-investigation, the inaccuracies on my credit report have not been resolved, and the previous complaint was closed without proper action taken to address the errors. 

These credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ), particularly : FCRA Section 1681i ( a ) ( 1 ) The credit bureaus failed to conduct a reasonable investigation of my dispute, leaving inaccurate information uncorrected on my credit report.

FCRA Section 1681e ( b ) The credit bureaus did not follow reasonable procedures to ensure maximum possible accuracy of the information they reported, as they allowed inaccurate information to remain on my report. 

FCRA Section 1681c ( a ) ( 5 ) The credit bureaus continued to report outdated information, as the date of last activity on certain accounts is incorrect, violating the law regarding the reporting period for negative information. 

Due to these violations, I request that the CFPB investigate the matter and ensure that these credit bureaus follow the necessary steps to correct the inaccuracies and comply with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I made a {$740.00} purchase via PayPal that was then issued by XXXX Bank credit to XXXX for website development. The developer stole my money and didnt leave me with a working website. I sent several disputes via PayPal XXXX. Paypal credit stated they couldnt refund due to the no refund policy, yet PayPal they sent me dispute paperwork from XXXX. XXXX stated they returned the money back to my PayPal account but PayPal credit and PayPal is stating they havent received funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-03 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: TX

Complaint narrative:
I am submitting a formal complaint against XXXX, XXXX, and Equifax for their failure to properly address and correct inaccuracies on my credit report. Despite multiple attempts to resolve this matter, the incorrect information remains, and the previous complaint has been closed without any meaningful resolution. 

These credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by not ensuring the maximum possible accuracy of my credit report as required under Section 1681e ( b ). Additionally, they have failed to initiate a proper reinvestigation of the disputed information, as mandated by Section 1681i, and have not corrected the errors, violating Section 1681i ( a ) ( 1 ) ( A ). 

The continued presence of inaccurate information on my credit report is adversely affecting my credit profile. Despite my repeated requests for validation and correction, these inaccuracies persist, indicating a failure to follow proper procedures for dispute resolution. 

I request that immediate action be taken to investigate this issue and correct my credit report in compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
This issue is regarding the company CREDIT ACCEPTANCE CORP. They call me while working business hours after I told them I can not take personal calls at work. They call me XXXX times a day for XXXX  days a week. While at work I can be on ladders making it dangerous for me to check my phone, and the vibrations in my back pocket make me feel like I can fall off a ladder. Ive told them about this issue and they just brush it off and tell me how much I owe them. They will keep calling me no matter what even if I say put me on a do not call list. They still say people will call you. Im sick of the pain and suffering I have to hear/see when I see their number pop up on my phone everyday. The XXXX in XXXX rule is a big thing and they do not follow all laws regarding to the fair credit reporting act.

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 2025-01-03 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-03 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: TX

Complaint narrative:
I am filing a complaint against TransUnion, XXXX, and XXXX for failing to correct inaccuracies on my credit report despite my multiple requests for re-investigation. Although my previous complaint was closed, the errors remain unresolved and continue to negatively impact my credit score.

1. I have made several attempts to resolve this issue, but the inaccuracies persist. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 2. FCRA Section 1681i ( Reinvestigation of Disputed Information ) : The credit bureaus did not properly re-investigate or correct the inaccuracies on my credit report.

3. FCRA Section 1681e ( b ) ( Maximum Possible Accuracy ) : The credit bureaus failed to ensure the information reported was accurate and complete.

FCRA Section 1681i ( a ) ( 1 ) ( A ) : The bureaus did not take appropriate action or conduct a thorough re-investigation following my dispute.

I request that appropriate action be taken to ensure that TransUnion, XXXX, and XXXX comply with the FCRA and correct the inaccuracies on my credit report.

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 2025-01-03 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: TX

Complaint narrative:
I am filing a complaint against XXXX, Experian, and XXXX for failing to correct inaccuracies on my credit report despite my multiple requests for re-investigation. Although my previous complaint was closed, the errors remain unresolved and continue to negatively impact my credit score.

1. I have made several attempts to resolve this issue, but the inaccuracies persist. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 2. FCRA Section 1681i ( Reinvestigation of Disputed Information ) : The credit bureaus did not properly re-investigate or correct the inaccuracies on my credit report.

3. FCRA Section 1681e ( b ) ( Maximum Possible Accuracy ) : The credit bureaus failed to ensure the information reported was accurate and complete.

FCRA Section 1681i ( a ) ( 1 ) ( A ) : The bureaus did not take appropriate action or conduct a thorough re-investigation following my dispute. 

I request that appropriate action be taken to ensure that XXXX, Experian, and XXXX comply with the FCRA and correct the inaccuracies on my credit report.

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 2025-01-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I accepted American Express ' offer of a replacement {$100.00} gift card, which I activated but the card never worked. I called the customer service number and was informed that the funds had been sent to the MN XXXX XXXX XXXX as unclaimed. I checked that website and there was nothing listed under " XXXX XXXX '' ( note the misspelling of my first name by American Express ). I waited a few months and then checked the MN XXXX XXXX XXXX site again and nothing listed, so I called the customer service number again and was told the same thing and also told there was no one to talk to about the discrepancy. Very frustrating so need to pursue this because of principle as there likely others who have had this happen and don't have the means to do so. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-03 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-03 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 in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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 in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.

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