vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 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: TX

Complaint narrative:
To Whom It May Concern : I am writing to dispute for the XXXX time the following information that appears on my Transunion credit report as of XX/XX/XXXX ( XXXX dispute XX/XX/XXXX ) ( XXXX dispute XX/XX/XXXX ) : Tradeline # XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and has a balance of {$9800.00} with XXXX late payment delinquencies for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I previously disputed this account with XXXX  XXXX directly online on XX/XX/XXXX with supporting documents regarding the late payment delinquencies reported during the year of XXXX.On XX/XX/XXXX, XXXX  XXXX submitted a response back in writing after their investigation indicating the following : There are no delinquencies reporting for the month ( s ) of ( XXXX XX/XX/XXXX ). Overall, XXXX XXXX failed and/or neglected to investigate the primary credit reporting concerns, which is a violation of the FCRA. However, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. Please send me proof of your previous investigations and proof of the negative payment status for this account or delete the negative information in this account. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 
Also, since Transunion is limited to accepting uploaded files in a certain format, I have submitted the audio recording of my conversation with the furnisher/creditor XXXX  XXXX to the CEO XXXX XXXX via email, which supports my dispute and request for the late delinquencies for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Debt was included in husbands bankruptcy and company has repeatedly denied removing it from account and is still marking it delinquent after 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
This company is harassing me on a daily basis from morning to evening by calling me repeatedly non stop every 5 minutes, 7 days per week since XXXX XX/XX/year>. However, they never leave me a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiry account : XXXX  Installment Loans XX/XX/year> TransUnion. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

This inquiry below is a Mistaken identity/ does not belong to me. 

Please remove this inquiry immediately since this is an unverifiable & unauthorized inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
We recently began accepting credit card payments at our business and wanted to ensure a seamless process before handling customer transactions. To do this, we tested the system using our gift cards. However, when I attempted to refund the amount, the credit card processing company, XXXX, declined the transaction. I subsequently filed a dispute with the American Express Gift Card Dispute Department. Unfortunately, the communication was challenging as the representatives I spoke with had limited English proficiency, and I am unsure if they fully understood my issue. They ultimately informed me that my claim was denied, but did not provide any explanation for the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
NOT A DUPLICATE COMPLAINT - XX/XX/XXXX BOA Home Loans dba Countrywide was paid {$1400.00} meant for the escrow account of their loan to pay for a XXXX dba XXXX XXXX and casualty annual premium to which the policy was drawn up and submitted XX/XX/XXXXXXXX  by a XXXX, OK insurance broker, as well, this amount was billed to BOA dba Countrywide. I made the payment XX/XX/XXXX and under a {$3000.00} overdraft protection policy at BOA NA, the payment was paid to Countrywide XX/XX/XXXX. SEE ATTACHED BOA NA Card as proof of payment. SEE ATTACHED BOA Home Loans Loan History BOA dba Countrywide failed to record this payment to my escrow account. BOA dba Countrywide then required I make a duplicate {$1400.00} payment with my {$1400.00} XX/XX/XXXX loan payment to which I did in the amount of {$2800.00} XX/XX/XXXX which cleared my bank at BOA NA XX/XX/XXXX and both the 2nd surplus escrow payment of {$1400.00} and the XX/XX/XXXX loan payment were both credited to my loan history. XX/XX/XXXX, BOA Regulatory Agent responded to my request for investigation and determined conclusively that the XX/XX/XXXX loan payment reversal on XX/XX/XXXX was specifically meant for the XX/XX/XXXX loan payment and no other payment was intended for the payment reversal, and XXXX XXXX made it clear there was no evidence available to him on XX/XX/XXXX to suggest the reversed payment line entry was meant for XX/XX/XXXX. BOA Home Loans caused every payment from XX/XX/XXXX to XX/XX/XXXX to be allocated one month before the payments were intended, causing inaccurate payment history and loan balances in principal, interest and escrow to be set back one month more in arrears than my actual payments were factually made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
On XX/XX/year>, I received notification that XXXX CREDIT REPORTING AGENCY dropped my credit score XXXX points. 

I reviewed my credit report and identified that there was a manufactured error being reported. A Glitch or systematic failure. It stated that my Current account was removed and renewed on my report. 

Thereafter, I contacted CURRENT who informed me that they did not close nor remove the account. They stated that they only posted the positive payment history. 

It clearly shows that the account is listed closed while in good standings. This is false. 

XXXX is manufacturing credit scores in order to sell products to consumers who they feel isnt financially savvy. This manipulative tactic harms consumers and destroys credit bureaus trust.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: FL

Complaint narrative:
My credit score dropped significantly it was listed at a XXXX after cleaning the credit and paying off student loans, car loans etc.. I filed a complaint with your organization sometime last year the credit score should be higher in the XXXX 's. Shortly after Transunion increased it to XXXX. I took advantage and applied for credit cards and was approved for XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. I used the credit and made payments on time. Within this time period my XXXX XXXX XXXX XXXX XXXX XXXX credit card increased its balance to {$2200.00} and submitted a refund in the amount of {$200.00}. I began to utilized the balance on the XXXX XXXX  and brought it over the credit the limit. However, payments were all made on time. The Transunion score drop to XXXX. I observed the score recently and paid approximately {$1700.00} to bring it up to 25 % XXXX % card usage. My Transunion credit score drop to XXXX. How fast should a credit score increase after bringing it up to 25 % XXXX % card usage? How low should the score drop if payments are made on time? I don't think Transunion is reporting my score correctly no late payments were reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: TX

Complaint narrative:
XXXX XXXX Account being reported negatively as late. Please remove all negative reporting regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: TX

Complaint narrative:
XXXX XXXX Account being reported negatively as late. Please remove all negative reporting regarding this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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:
This debt was paid in full to the original debt holder. 

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. XXXX XXXX XXXX XXXX # XXXX, has violated my rights. I am not the owner of this debt. Debt was settled with original debt holder. 15 U.S.C. 16815-2 ( 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. 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 fumish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: OH

Complaint narrative:
This debt was paid in full to the original debt holder. 

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. XXXX XXXX XXXX XXXX # XXXX, has violated my rights. I am not the owner of this debt. Debt was settled with original debt holder. 15 U.S.C. 16815-2 ( 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. 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 fumish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: AK

Complaint narrative:
XXXX, XXXX, and Experian have refused to remove the negative accounts that do not belong to me from my credit reports. Despite multiple requests, these fraudulent accounts remain, damaging my credit and personal reputation. 

On XX/XX/year>, while applying for the Alaska Permanent Dividend Fund ( PFD ), I encountered a serious glitch on their website. As I was submitting my application, the page refreshed and began displaying another individuals personal information. This included their address, date of birth, Social Security number, and bank account details. 

On that same day, I received two phone calls from individuals who had seen my personal information on the PFD website during the glitch. They confirmed that they had access to all of my private information. 

Soon after this data breach, fraudulent accounts began appearing in my name, clearly using the information that was leaked through the PFD website. I did not authorize the use of my personal information in any form, and my identity was stolen to create these fraudulent accounts. 

I demand that XXXX, XXXX, and Experian immediately remove these fraudulent accounts from my credit reports. This is my last warning, and I would prefer to resolve this matter peacefully, without the need for court intervention. However, if this issue is not resolved promptly, I will take legal action. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and you are legally obligated to ensure that my credit report only reflects legitimate accounts. If you continue to refuse to act, I will pursue all available legal remedies, including litigation, to hold you accountable for the damage caused by this negligence. 

the following account are not mine and inquiries are not mine 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 2024-09-07 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am writing to this company the 8th time to dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 7 letter and dispute I have sent to this creditor along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditors violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 7th notice to this company notifying you guys that these listed accounts are fraud. My information isnt protected, and this creditor/company isnt honoring my identity theft claim. I am now pursuing litigation, I am suing this credit company, for AGGRAVATED IDENTITY THEFT, ILLEGALLY FURNISHING FRAUD ACCOUNTS ON MY CREDIT PROFILE, PAIN AND SUFFERING, AND DEFAMATION OF CHARACTER. This company did not honor my consumer rights as a citizen in America regarding my consumer credit file, this company ignored not 1, but 7 documented and certified complaints and letters regarding my identity being compromised. Under stated consumer rights law this company didnt protect, honor, or respect my claim and rights. I provided evidence, police reports, FTC reports, and supporting valid identity documents to verify myself throughout this 6-month process. This company did not honor my rights or acknowledge my supporting documents regarding identity theft. I was incarcerated for 10 years with proof when all these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt. 

I DID NOT OPEN OR AUTHORIZE THESE ACCOUNTS, NOR WAS I INVOLVED IN ANY TRANSACTIONS ASSOCIATED WITH THESE ACCOUNTS. UNDER 18 U.S. CODE 1028 ( AGGRAVATED IDENTITY THEFT ), THE USE OF MY IDENTITY WITHOUT MY KNOWLEDGE OR CONSENT TO COMMIT FRAUDULENT ACTIVITY IS A SERIOUS FEDERAL CRIME. THIS COMPANY IS CONTINUING TO COMMIT A CRIME BY FUNISHING AND REPORTING ACCOUNTS UTILIZING MY IDENTITY WITHOUT MY CONSENT AFTER I MADE THIS COMPANY AWARE OF THE FRAUD, AND IDENTITY THEFT. THIS COMPANY BY LAW IS IN VIOLATION OF MY RIGHTS, AND THIS COMPANY IS A SUSPECT IN THIS IDENTITY THEFT CASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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:
15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

TransUnion has suffered a handful of data breach incidents over the past 18 months, including a XXXX incident in which hackers obtained the personal information of up to 5 million individuals Five years ago, a massive data breach occurred. On XXXX XXXX, XXXX, the XXXX credit bureau publicly revealed its computer networks had suffered a data leak that exposed the personal information of XXXX XXXX consumers, a number later raised to XXXX XXXX. That data included consumers names, addresses, dates of birth, Social Security numbers and credit card numbers all of which could lead to identity fraud and other financial crimes. 

XXXX, one of the XXXX XXXX information services groups, experienced a significant data breach in XX/XX/XXXX. This breach exposed the personal information of millions of consumers due to unauthorized access to data from a server that contained information for clients, including XXXX. The incident was particularly concerning due to the nature of XXXX XXXX business, which involves handling sensitive personal credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I've had credit acceptance For the lastFew months going on a year, I'm paying a very high interest rate, That includes adults that the dealer pressured me to buy, I tried to return the vehicle they told me that they couldn't take my returnDo to me already signing the contract, I purchased the car at a dealership called XXXX XXXX XXXX XXXXXXXX And I was told that the car could be paid off in 4 yearsAnd I was told that the car could be paid off in 4 yearsBut in the agreement, There is warranty and gap insurance for 72 months which I'm supposed to only have the car for 40 months, As I'm making my payments which are XXXX a monthCredit acceptance takes more than half of my payment only putting at least a {$100.00} towards my principal balance and the rest towards interest My car no isn't going down at all and I've looked at the ad on 's end nothing is adding up to the amount that I'm supposed to pay, I really do need help with this matter because I do not understand and I was told by another person who had credit acceptance that they were going through a lawsuit for predatory credit practices, I was not aware of this knowledge at the time that the car was purchased Which the dealer did not provide any information to tell me otherwise I wouldn't Have purchased a car through them. 

The car totals up XXXX for the sticker price cash, And I was told with a {$7000.00} down paymentI could take away the car but the car 's value was priced at almost over XXXX for a XXXX  XXXX XXXX XXXX, When I searched on a XXXX XXXX XXXX the car values at almost XXXX and is overpriced, I recently purchased the car Earlier this year And I feel like I was taken advantage of by the dealership because I kept trying to return the car and reverse the deal a ship kept trying to fix the car when I told them it had transmission problems, Also the dealership had held the car Because it wasn't running And gave it back to me the week before my warranty was over. Also i do not have the full loan details just the protection plan

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