vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 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: OH

Complaint narrative:
Hello, I've been noticing for a few years now that XXXX XXXX XXXX has been reporting incorrect account information to the credit bureaus in regard to an auto loan that was paid off in XXXX. I've placed several disputes with all 3 bureaus and the company trying to get this account updated and accurate on my credit report. This account should be paid in full as it was pronounced totaled in a car accident and my insurance company paid the lender XXXX in full back in XXXX. I recently placed a dispute on XX/XX/XXXX with all 3 bureaus and after receiving confirmation that the investigation was complete, I reviewed my credit reports and saw the company is still reporting inaccurate information. As you can see they are reporting different open dates of the account to all 3 bureaus. The date last reported, the high credit amount, the date last active and the date of the last payment are all different dates being reported to the bureaus. I don't understand how none of these dates and amounts line up if they are investigating the account and getting their information from the same company and source? None of this adds up. This account should not even be open. I've heard so many terrible things about this company. XXXX has a history of reporting things inaccurately. I've reviewed the consent order issued by the CFPB and I am a victim. Please delete this account from my credit reports immediately.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to correct the following information which is incorrect credit bureauhas on file : XXXX XXXX XXXX XXXX XXXX {$32.00} Paid in full. Closed XXXX  XXXX {$4900.00} is incorrect. The correct Balance is {$2000.00}. 
XXXX  XXXX XXXX credit is {$0.00} Balance. 
Address : XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX is incorrect. This not my correct Address XXXX XXXX XXXX : {$35000.00}

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to correct the following information which is incorrect credit bureauhas on file : XXXX XXXX XXXX XXXX XXXX {$32.00} Paid in full. Closed XXXX  XXXX {$4900.00} is incorrect. The correct Balance is {$2000.00}. 
XXXX XXXX XXXX credit is {$0.00} Balance. 
Address : XXXX XXXX XXXX XXXX XXXX, AL XXXX is incorrect. This not my correct Address XXXX XXXX XXXX : {$35000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF HAWAII CORPORATION
State: CA

Complaint narrative:
On XXXX my brother passed away. I notified the the Bank of Hawaii on XX/XX/XXXX of his passing. on XX/XX/XXXX his XXXX went into his Personal Account and withdrew {$72000.00} out of his Personal account thru Online Banking and put it into there Joint account. On XX/XX/XXXX I notified the Bank Of Hawaii that my worst nightmare just occurred someone needed to call me. 
I explained to the Bank that she had no right to withdraw any moneys out of the account as she wasn't on the Signature Card or had XXXX XXXX XXXX  or was a XXXX of the Estate. I couldn't understand why they would allow this to occur. 
The Bank finally did a inquiry into where the money was withdraw from and show it to be from their Home in which she transferred the money for His Personal Account to their Joint Account and them onto her Personal Account. at that time the Bank asked me on XX/XX/XXXX to have a Affidavit for Collection of Personal Property of the Decedent signed and Notarized with i did the next morning and e-mailed them a copy of the Documents and also put the hard copy in the mail to them in which they received the hard copies XX/XX/XXXX. 
The Bank said the following Due to XXXX  presentment of an original and valid Affidavit for Collection of Personal Property of the Decedent, we have no further ability to deduct or retain funds. How can a Bank allow someone who has no rights, No Signature Card on File, Not the XXXX  of the Estate or the XXXX XXXX XXXX withdraw money out of the Person that Passed away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/ I was doubled processed from my credit card payment without my knowledge. I had {$280.00} taken twice from my checking account, for a singular min payment. I also only received one confirmation number for the process but was charged twice. Bank of America has yet to give an accurate date of when I will be receiving my funds as the previously stated 5-7 business days was false. I contacted them 3 times and each time a representative gave me a different time estimate and took different approaches and procedures for transferring back my money. I also have been charged overdraft fees due to being short {$280.00}. Ive spent multiple hours on the phone for no resolution and feel I am being taken advantage of. Ive spoken with a supervisor who claims they cant get me my money for possibly another month on top of the past week or so Ive been short which would put me into more overdraft fees and also cause me not to have funds for living

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 monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has had a data breach and I was a victim of this data breach which has lead to identity theft. I have said sent these things to the credit agency and they have refused to delete it. THIS IS ILLEGAL. And they continue to keep illegal accounts on my credit report. this is according to the FCRA 15 USC 1681 section 623 ( a ) ( 6 ). and actually there is many different violations. So I demand that these excessive inquiries be deleted along with these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

And because this will be deleted off my credit due to illegal practices. It is illegal that the the same thing must be reported on all three major credit bureaus. So I demand a deletion immediately!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly remove this erroneous account from my records.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
Im lodging complaint against TOYOTA MOTOR CREDIT CORP for unlawfully seizing my personal property, and I demand immediate return and restoration of my personal items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
I have absolutely no idea who is this company showed up on my consumer credit report. They started reporting few months ago without my consent. I have no contract with this company Monterey Collections Ser and I believe that they obtain my personal information ilegally. I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C 1001. Additionally, these misstatements are punishable as perjury under 18 U S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods services or money and was successful in creating some accounts All ls being Investigated by the FTC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly remove this erroneous account from my records.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
I never had a account with Affirm and until I tried to get a new phone thru XXXX  when mine broke in XXXX I was told I have a past account with them. I called Affirm and was told on XXXX  there was a {$150.00} charge on my XXXX XXXX XXXX XXXX account that I never knew was charged and XXXX  {$68.00} and was given credit XX/XX/. On XXXX  I was charged {$76.00}. I was told my Affirm since the charges are so old I could file a dispute with my bank and I did and got my money back however these accounts that aren't mine are listed on my credit and I have asked via phone call and letter that was sent back Account numbers listed are XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been dealing with the bureaus for a while now. All through out these process, my life has been so much affected, my job, my livelihood. These items are not verified otherwise, the bureaus showed me how they verified these. I have been asking for the method of verification from them, but to no avail. 

I feel that my rights have been violated over and over again. I need these items reviewed and removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To Whom it may Concern, This is this complaint is submitted Under OHIO LAWU.C.C1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : 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 non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom it may Concern, This is this complaint is submitted Under OHIO LAWU.C.C1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : 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 non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
reached out to company to report the fraudulent account. also requested a fraud packet from them in order to get the matter resolved. i have not been able to reach the companies and they are reporting to my credit which is affecting my living situation.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been dealing with the bureaus for a while now. All through out these process, my life has been so much affected, my job, my livelihood. These items are not verified otherwise, the bureaus showed me how they verified these. I have been asking for the method of verification from them, but to no avail. 

I feel that my rights have been violated over and over again. I need these items reviewed and removed from my 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been dealing with the bureaus for a while now. All through out these process, my life has been so much affected, my job, my livelihood. These items are not verified otherwise, the bureaus showed me how they verified these. I have been asking for the method of verification from them, but to no avail. 

I feel that my rights have been violated over and over again. I need these items reviewed and removed from my 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