vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: NY

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a phone bill account opened at XXXX on XX/XX/XXXX under the account number XXXX reporting with XXXX XXXX XXXX, and a collections child support account opened on XX/XX/XXXX with a balance of {$0.00}. A Credit card account reporting with XXXX XXXX opened on XX/XX/XXXX under the account XXXX. an These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX 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 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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-04 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: MI

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I am writing to inform you that I am a victim of a data breach. As a result, unauthorized accounts and inquiries have appeared on my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts be blocked and deleted from my credit file. 
Accounts to be Blocked and Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I am writing to inform you that I am a victim of a data breach. As a result, unauthorized accounts and inquiries have appeared on my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts be blocked and deleted from my credit file. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
XX/XX/24 Emailed and was denied Louisiana key provision state SCRA benifits. Then proceeded to mail a packet of information to apply for XXXX  Louisiana state benefits regarding the key provisions state applicable for SCRA. Havent heard back anything. I am XXXX XXXX with orders to Louisiana. All information ( LA drivers license, XXXX XXXX XXXX ) & information regarding state legislation for Louisiana SCRA was sent both times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-04 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: GA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-04 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: GA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-04 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: IA

Complaint narrative:
I Contacted the company directly for the information pertaining to my 2 loans from : U S DEPT OF EDXXXX The company has Closed with explanation : Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX No XXXX : XXXX XXXX XXXX. : XXXX XXXX Account No. : XXXX Dear XXXX XXXX : Thank you for your correspondence concerning your student loan account with the U.S. Department of Education, Federal Student Aid. We reviewed your concerns submitted to the Consumer Financial Protection Bureau ( CFPB ) portal under the Case Number noted above. Our records indicate that in XXXX XXXX, you received two Federal Direct Student Loans in the total amount of {$5500.00} to attend XXXXXXXX XXXX XXXX XXXXXXXX. Interest was capitalized, increasing the principal balance. On XX/XX/XXXX, the loans were declared in default, and XXXX ( originally XXXX XXXX ), the Departments student loan servicer, later assigned the account to the Departments Default Resolution Group. The loans entered our database on XX/XX/XXXX. At the time of assignment, the balance was certified to be {$5800.00} in unpaid principal and {$290.00} in accrued interest. No payments have been credited since this account was assigned to the Departments Default Resolution Group. 

This Response from the Us department of educations explains that no payments has ever been made and this account and is in fact in default status. Yet The credit bureaus continues to illegally report false information about the payments on these accounts.

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 2024-12-04 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: IA

Complaint narrative:
I Contacted the company directly for the information pertaining to my 2 loans from : U S DEPT OF EDXXXX The company has Closed with explanation : Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX No XXXX : XXXX XXXX XXXX. : XXXX XXXX Account No. : XXXX Dear XXXX XXXX : Thank you for your correspondence concerning your student loan account with the U.S. Department of Education, Federal Student Aid. We reviewed your concerns submitted to the Consumer Financial Protection Bureau ( CFPB ) portal under the Case Number noted above. Our records indicate that in XXXX XXXX, you received two Federal Direct Student Loans in the total amount of {$5500.00} to attend XXXXXXXX XXXX XXXX XXXXXXXX. Interest was capitalized, increasing the principal balance. On XX/XX/XXXX, the loans were declared in default, and XXXX ( originally XXXX XXXX ), the Departments student loan servicer, later assigned the account to the Departments Default Resolution Group. The loans entered our database on XX/XX/XXXX. At the time of assignment, the balance was certified to be {$5800.00} in unpaid principal and {$290.00} in accrued interest. No payments have been credited since this account was assigned to the Departments Default Resolution Group. 

This Response from the Us department of educations explains that no payments has ever been made and this account and is in fact in default status. Yet The credit bureaus continues to illegally report false information about the payments on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: IA

Complaint narrative:
I Contacted the company directly for the information pertaining to my 2 loans from : U S DEPT OF EDXXXX The company has Closed with explanation : Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX No XXXX : XXXX XXXX XXXX. : XXXX XXXX Account No. : XXXX Dear XXXX XXXX : Thank you for your correspondence concerning your student loan account with the U.S. Department of Education, Federal Student Aid. We reviewed your concerns submitted to the Consumer Financial Protection Bureau ( CFPB ) portal under the Case Number noted above. Our records indicate that in XXXX XXXX, you received two Federal Direct Student Loans in the total amount of {$5500.00} to attend XXXXXXXX XXXX XXXX XXXXXXXX. Interest was capitalized, increasing the principal balance. On XX/XX/XXXX, the loans were declared in default, and XXXX ( originally XXXX XXXX ), the Departments student loan servicer, later assigned the account to the Departments Default Resolution Group. The loans entered our database on XX/XX/XXXX. At the time of assignment, the balance was certified to be {$5800.00} in unpaid principal and {$290.00} in accrued interest. No payments have been credited since this account was assigned to the Departments Default Resolution Group. 

This Response from the Us department of educations explains that no payments has ever been made and this account and is in fact in default status. Yet The credit bureaus continues to illegally report false information about the payments on these accounts.

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 2024-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
A company by the name of XXXX XXXX XXXX posed as tax attorney 's stating they could and would XXXX  the back taxes I own to the IRS. This company has been identified as a tax relief scam. XXXX XXXX XXXX gave a contract I signed to pay them XXXX to a company called Monterey Financial Services LLC. I then realized that this was a tax relief scam. I called the IRS and they said no one has contacted them to help XXXX  my tax. I still owe the IRS money and now this company want 's me to pay them XXXX for services not given. I understand I can't submit a complaint for XXXX XXXX XXXX but I am submitting this for the company Monterey Financial Services LLC. The credit bureau 's require me to submit this in order to submit a dispute with them. 
Here is the contact information for both companies : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Monterey Financial Services, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 2024-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I went to XXXX XXXX XXXX in XXXX, Georgia to buy a used car. I was initially offered a XXXX XXXX XXXX with XXXX miles on it. I was told that it cost $ XXXX. The dealership went very briefly through the contract, making me sign and initial it. I paid $ XXXX down. I was given a loan through Exeter Finance because I had no credit. I agreed, half-heartedly to pay the exorbitant fee of {$590.00} a month for six months because I could build credit and refinance at that time. However, XXXX XXXX XXXX took a $ XXXX loan from Exeter, stating that this included all fees. I was told that the $ XXXX I put down would go towards the interest of the car but it has not impacted the total cost. I contacted Exeter Finance several times about lowering the exorbitant 28.73 % interest rate, and was denied refinancing or lowering the rate. I have paid {$590.00} a month for 13 months and only {$790.00} of that has gone towards the principal. I still owe almost $ XXXX for the vehicle. 

One year later, I went to the dealership, who conveniently sold the dealership to XXXX XXXX XXXX in XX/XX/XXXX, one month after I purchased the XXXX XXXX, and was told that although my credit improved " XXXX per cent '', I had to wait another six months to refinance. I have requested many times my paperwork but no one has sent it and my requests are ignored. I don't know what to do. I can not afford to continue these payments every month. I feel imprisoned to this debt that is never ending. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I found unauthorized inquiries from your company that I have no record of approving. This is impacting my credit score severely, and its unacceptable.

Company response to consumer: Closed with non-monetary relief