vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-09-27 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company 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 2024-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. That was opened on XX/XX/2020 of the amount of XXXX. Please remove these accounts from my report they are hurting my ability to obtain credit.

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 2024-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I received a phone call from a debt collection company, IC System, attempting to collect a medical debt from XXXX XXXX in XXXX, NJ. My two daughters have been patients of this practice for over 5 years. Approx. 3 years ago, our mailing address changed, of which we notified the practice. We had been receiving and paying bills from the practice since that time. The medical debt was for service provided in XX/XX/year> ( approx. {$85.00} ) for one of my daughters. I immediately called XXXX XXXX to determine why we had not received a bill in the mail or ANY other type of communication to inform us of this outstanding balance, to include in-person visits. I was told their billing is done by a third-party, and they dont have any visibility on outstanding balances. XXXX XXXX then informed me that the address on file for my younger daughter was our old address. They were unclear as to why that address didnt match our current address or the address of our older daughter, even though the address was correct/current in the past, and Im currently receiving invoices for my other daughter. All other invoices ( for both patients ) have always been paid. After verifying the invoice, I requested to pay the invoice directly to the provider, and that they rescind the collection due to their failure to properly bill and or notify me of the outstanding balance. Their officer manager ( through an associate ) denied my request to pay the balance and rescind the collection. I was told that I have to pay the collection agency. I then requested the office manager, and the owner of the practice, XXXX XXXX XXXX give me a call to discuss the matter. As of this report, I have not received a call. Today, XX/XX/year>, I called the practice and requested to speak to the office manager, or XXXX XXXX, and was told they are both unavailable/too busy to come to the phone.

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 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On Saturday XX/XX/year> I deposited a check at my Bank of America account for the amount of {$140000.00}. The deposited check was issued by XXXXXXXX XXXX. The Bank of America teller told me the funds would be available in my account on Tuesday XX/XX/year>. I checked and the bank show they are holding the funds and would be available until Friday XX/XX/year>. I called them to ask why and they said they received the funds from XXXX XXXX but are still verifying some information before releasing them. This is unacceptable to me since we live in a digital world where the information is processed in seconds. In other countries checks are cleared in 24-48 hours maximum. By holding the funds, Bank of America is making me lose money that I could be earning by investing the funds instead of them using 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 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year>, I opened a fraud claim with Bank of America regarding an unauthorized debit card transaction totaling {$1200.00}. Bank of America investigated the claim and denied it stating that my signature was on a receipt or a contract and that the charge was either authorized by me or someone with my permission. This is entirely false. I sent bank of American 2 follow up letters and have given them time to respond in between and have made multiple phone calls, but they continue to deny my claim without providing adequate justification. The claim number is XXXX I am requesting further assistance with resolving this matter.

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 2024-09-27 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: VA

Complaint narrative:
The credit report showed a credit inquiry that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it.

Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately. 

If you ignored this letter and do not delete the inquiry or do not provide strict proof of authorization I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. Along with a litigation matter in my state court.

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 2024-09-27 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: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Date Opened XXXX XXXXXX/XX/year> Balance Owed : {$10000.00} - Late/closed - XXXX XXXX XXXXXXXX Date XXXX Balance Owed : {$9500.00} - Chargeoff- XXXX XXXXXXXX XXXX XXXXXXXX Date XXXX Balance Owed : {$9500.00} -Chargeoff- TransUnion XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/year> Balance Owed : {$10000.00} - Late/closed - XXXX XXXX XXXXXXXX Date XXXX Balance Owed : {$9500.00} - Chargeoff -

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 2024-09-27 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: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$10000.00} - Late/closed - XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$9500.00} - Chargeoff- Equifax XXXXXXXX XXXX XXXX Date XXXX Balance Owed : {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date XXXX XXXX XX/XX/year> Balance Owed : {$10000.00} - Late/closed - XXXX XXXX XXXXXXXX Date XXXX Balance Owed : {$9500.00} - Chargeoff -

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau
State: IL

Complaint narrative:
I am writing to dispute a collection account listed under " XXXX XXXX XXXX' by XXXX XXXX or XXXX XXXX. This debt does not belong to me, and I request that it be removed from my credit report. Please investigate this matter and ensure that my credit history is accurately reflected. Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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 recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

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 2024-09-27 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-09-27 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: CA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue with late payments on my credit record. After reviewing my records, I discovered these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly seek your assistance in resolving this issue promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-27 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: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
SINCE XXXX, I HAVE TOLD XXXX XXXX TO STOP AUTOPAY FROM MY ALLY BANK CHECKING ACCOUNT/DEBIT CARD WITH THE INTENTION OF PAYING THEM VIA CREDIT CARD FROM A DIFFERENT FINANCIAL INSTITUTION. AS IS MY RIGHT TO PERMIT AND WITHDRAW SUCH CONSENT. 

FURTHERMORE, I LEFT XXXX FOR XXXX XXXX XXXX XXXX IN THE SUMMER. AGAIN, I HAVE THE RIGHT TO DO SO. ANY POTENTIAL DISPUTES BETWEEN XXXX AND I WOULD ( SHOULD ) HAVE NOTHING TO DO WITH ALLY AT THIS POINT. OR SO I THOUGHT AS FREE XXXX. 

INSTEAD AND DESPITE CONTINUOUSLY WITHDRAWING CONSENT FOR AUTOPAY WITH XXXX DIRECTLY AND AT THE SAME TIME WITH ALLY TO STOP PAYMENT/BLOCK MERCHANT FROM USING MY ACCOUNT NUMBER AND DEBIT CARD NUMBER TO ACCESS MY FUNDS. I KNEW THIS WOULD HAPPEN SO I TRIED TO GET AHEAD OF IT. ALLY PROCEEDED TO ASSURE ME THAT THEY HAD MY BACK AS SUCH A SUPPOSEDLY VALUED CLIENT. THEY ENDED UP NOT BEING ABLE TO PREVENT SUCH UNAUTHORIZED WITHDRAWS EVEN AFTER A SUBSEQUENT REPLACEMENT OF THE DEBIT CARD THUS CHANGING THE NUMBERS. 

I OPENED DISPUTES THAT WERE AND ARE NOT BEING RESOLVED PROPERLY. XXXX CONTINUES TO ESSENTIALLY COLLUDE WITH AND CONSPIRE WITH ALLY TO DEFRAUD ME OF MY HARD EARNED MONEY. XXXX MAY VERY WELL BE A CORPORATE AMERICAN SCOURGE BUT ALLY HAD VIOLATED THEIR FIDUCIARY DUTY AND IS GUILTY OF MISMANAGEMENT AND GROSS NEGLECT OF THE HIGHEST MAGNITUDE. 

IN SUMMARY. I WAS BEING RIPPED OFF BY XXXX. I DESIRED TO SAFELY SWITCH PAYMENT METHODS TO AN ALTERNATIVE FINANCIAL INSTITUTION. XXXX REFUSED TO STOP THEIR AUTOPAY-AGAIN WHICH I COMPLETELY AND REPEATEDLY CANCELLED-AND THUS KEPT TAKING MY MONEY OUT OF MY LONE CHECKING ACCOUNT WHERE MY PAYCHECK GOES FOR MY FAMILY. EVEN AFTER I LEFT. MONTHS WENT BY WITH SUCH UNAUTHORIZED TRANSACTIONS TAKING PLACE. EVEN AFTER I REPEATEDLY INSTRUCTED ALLY TO PREVENT THESE FROM HAPPENING. I CONTACTED THEM BEFORE, DURING AND AFTER THESE TRANSACTIONS THROUGH THE PRESENT DAY ( FALL XXXX  ). I BET XXXX WILL STEAL MY MONEY NEXT MONTH AND BEYOND AS WELL UNDER THE BLIND EYE OF ALLY. THEY ALLEGEDLY STOPPED PAYMENT, HIDE MY ACCOUNT NUMBER, REPLACED MY DEBIT CARD AND OTHERWISE BLOCKED XXXX FROM ATTEMPTING TO WITHDRAW MY MONEY. THEY EVEN CLAIMED TO PUT A RANGE BETWEEN {$0.00} AND {$1000.00}. GUESS WHAT? THE FRAUD AND UNAUTHORIZED TRANSACTIONS CONTINUED AND WILL CONTINUE. 

IF THIS IS NOT A CFPB REGULATION E OFFENSE, I GENUINELY DO NOT KNOW WHAT IT. 

LORD HELP THIS BROKEN COUNTRY.

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 2024-09-27 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally express my concern regarding the inaccuracies in several accounts listed on my credit report, which I have previously disputed multiple times. Despite my ongoing efforts and requests for a thorough investigation, these issues remain unresolved, causing significant damage to my credit file and affecting my ability to live a normal life. 

The erroneous information continues to negatively impact my financial standing and has resulted in severe hardships. I kindly request that you conduct a prompt and detailed investigation into the reporting of each disputed account and take the necessary steps to rectify and update my credit report without further delay. 

Restoring the accuracy and integrity of my credit file is crucial for regaining control over my financial well-being. I sincerely urge you to prioritize this matter and take swift corrective action. 

Thank you for your immediate attention to this issue. Your support in resolving it promptly will be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
I hope this message finds you well. I am reaching out to address several discrepancies concerning the agreements currently on file related to my account. 

Discrepancies in Agreements : I have two versions of the agreementone with a wet signature that I do not recall signing, and another that is unsigned and blank. Additionally, I noticed that the email you sent has a timestamp earlier than the paperwork submitted for the CFPB. This inconsistency raises serious concerns that I need to resolve promptly. 

Assignment of Retail Installment Contract : I would like clarification regarding the assignment of my retail installment contract and security agreement with XXXX XXXX XXXX to United Auto Credit. Under XXXX XXXX, an assignee must have a valid agreement with the original debtor. Please confirm whether such an agreement exists, as it is crucial for my understanding of this situation. 

Vehicle Status and Payments : My vehicle is currently in escrow. Given the uncertainties regarding my contract, I will not process any payments until these matters are clarified. According to XXXX XXXX, repossession actions should not occur while there is a conflict regarding contract terms. 

Document Request : I formally request copies of all documents related to my agreements, including : The original retail installment contract The security agreement The assignment agreement between XXXX XXXX XXXX and United Auto Credit Any amendments or addendums Documentation confirming the assignment of rights Under Pennsylvania law, I am entitled to receive this documentation. 

Access to Account and Communication : My online account has been closed, and I have not received any correspondence from United Auto Credit regarding my account status. This lack of communication is concerning. 

Concerns Over Predatory Practices : I have spoken with a state representative who noted concerning elements of my agreement, including an interest rate exceeding 21 % under XXXX XXXX XXXX XXXX XXXX. Additionally, I was informed by the XXXX  DMV that there are documents I purportedly signed allowing power of attorney that I did not authorize. I request proof of these signatures. 

Given the serious nature of these issues, I would appreciate your prompt attention and assistance in resolving them. Please respond at your earliest convenience with the requested documentation and clarifications. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation