vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am disputing this account because it is reporting a balance of {$8300.00}, which is incorrect. The vehicle was deemed a total loss on XX/XX/year>, and payment of its value was made to XXXX XXXX on XX/XX/year>, for {$13000.00}. 

The original loan amount was {$19000.00}, and I should have been credited for the remaining {$5400.00}, which was covered in the gap waiver/addendum I signed in my contract. Attached is the installment contract that backs this information and specifically states on the last page that " You shall have no further obligations under the contract in the event the vehicle is lost due to theft, confiscation or destruction. '' It also states that " You will not owe the difference between the net unpaid balance and the Actual Cash Value of the vehicle, '' which is exactly what I am disputing.

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 2024-07-20 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: NY

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 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 these items. Your failure to positively verify these accounts and inquiries has hurt 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 explanation
Consumer complaint received 2024-07-20 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 have filed XXXX CFPB complaints on XXXX already about this and have several emails as well going back and forth for XXXX months of me trying to get this fixed. I noticed that my husband 's accounts and score were showing up on MY credit report, and on MY XXXX account. We have a mortgage loan together, and our social security numbers have always been reported separately. We never had this issue, even when we were coborrowers on a loan. We bought a XXXX XXXX from XXXX XXXX in XXXXXX/XX/XXXXXX/XX/XXXX, and my husband was the main borrower, and I was the secondary borrower, but I pay the monthly bill. We are equal owners on the car ( just like our mortgage ). Since we got that car, XXXX has been putting my husband 's score/accounts on my report and XXXX account XXXX He even has a fraud alert that is tied to MY social security number. I can't apply for credit or installment loans because my identity can't be verified due to this issue. I have XXXX access to what my actual score is. I don't know what my credit report looks like. I got a notification the other day from credit karma saying all my accounts were removed and then re-added. I asked XXXX about this and as per usual- they stopped responding. XXXX XXXX swears they are reporting my social - to my name, and my husband 's social - to his name. But for some reason, this isnt getting fixed. Something is going on, and I have a right to an accurate credit report. This is NOT fair to do to someone. Especially to have it drag out for 6 months. Additionally, I called XXXX and asked that the fraud alert be removed, back in XXXX. It is now almost the end of XXXX and I'm still being told by creditors that there's a fraud alert on my account. Not only that, but it carried over to XXXX, from XXXX. XXXX, it says I have no active alerts, but I have lenders telling me when they run my credit, there is XXXX. Now i don't feel comfortable ever placing XXXX in case i cant get it removed. I dont care who is making the mistake, I just want it fixed.

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 2024-07-20 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: NY

Complaint narrative:
I am disputing this account because it is reporting a balance of {$8300.00}, which is incorrect. The vehicle was deemed a total loss on XX/XX/year>, and payment of its value was made to XXXX XXXX on XX/XX/year>, for {$13000.00}. 

The original loan amount was {$19000.00}, and I should have been credited for the remaining {$5400.00}, which was covered in the gap waiver/addendum I signed in my contract. Attached is the installment contract that backs this information and specifically states on the last page that " You shall have no further obligations under the contract in the event the vehicle is lost due to theft, confiscation or destruction. '' It also states that " You will not owe the difference between the net unpaid balance and the Actual Cash Value of the vehicle, '' which is exactly what I am disputing.

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 2024-07-20 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: NY

Complaint narrative:
I am disputing this account because it is reporting a balance of {$8300.00}, which is incorrect. The vehicle was deemed a total loss on XX/XX/year>, and payment of its value was made to XXXX XXXX on XX/XX/year>, for {$13000.00}. 

The original loan amount was {$19000.00}, and I should have been credited for the remaining {$5400.00}, which was covered in the gap waiver/addendum I signed in my contract. Attached is the installment contract that backs this information and specifically states on the last page that " You shall have no further obligations under the contract in the event the vehicle is lost due to theft, confiscation or destruction. '' It also states that " You will not owe the difference between the net unpaid balance and the Actual Cash Value of the vehicle, '' which is exactly what I am disputing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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:
I am disputing this account because it is reporting a balance of {$8300.00}, which is incorrect. The vehicle was deemed a total loss on XX/XX/year>, and payment of its value was made to XXXX XXXX on XX/XX/year>, for {$13000.00}. 

The original loan amount was {$19000.00}, and I should have been credited for the remaining {$5400.00}, which was covered in the gap waiver/addendum I signed in my contract. Attached is the installment contract that backs this information and specifically states on the last page that " You shall have no further obligations under the contract in the event the vehicle is lost due to theft, confiscation or destruction. '' It also states that " You will not owe the difference between the net unpaid balance and the Actual Cash Value of the vehicle, '' which is exactly what I am disputing.

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 2024-07-20 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: NY

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXXommittee 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 these items. Your failure to positively verify these accounts and inquiries has hurt 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 explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am paying XXXX credit relief for old accounts I have paid off several and only have a few left. My XXXX XXXX never moves up past a XXXX which isnt fair if XXXX paying on time and paying off old accounts my XXXX XXXX should reflect that. Also I have several inquiries that I never opened or applied for. XXXX trying to pay off what I owe so I can purchase a house. XXXX frustrated that I am having no luck by reaching out to credit bureau Experian XXXX XXXX, XXXX, I have reached out to them several times and my credit report shows same information. Please help me get these resolved and removed off my reports.

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 2024-07-20 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: MD

Complaint narrative:
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 these items. Your failure to positively verify these accounts and inquiries has hurt 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 explanation
Consumer complaint received 2024-07-20 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: MD

Complaint narrative:
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 these items. Your failure to positively verify these accounts and inquiries has hurt 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 explanation
Consumer complaint received 2024-07-20 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: MD

Complaint narrative:
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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My issue at hand is that Chase customer service has refused to allow me to reinstate my payment option for my Chase card. At the beginning of XXXX, I attempted to pay my Chase Amazon Credit Card with my XXXX XXXX bank account. I was in a different state at the time so my XXXX XXXX account flagged it at spam, which caused the Chase account to freeze that payment method and not allow me to use it. When I returned, I immediately unfroze my XXXX XXXX account but I could not use is as my payment account for Chase still. 

I called Chase customer service and they said that I needed to fill out a piece of paper that they would send me via mail after 7-10 days and get a letter from my XXXX XXXX XXXX stating the account was okay to use. The customer service rep said I needed to fax this back to them, and then wait 7-10 business days for my paperwork to be approved. I faxed all the necessary paperwork back at the local Chase branch at the beginning of XXXX. 

I called the customer service line again as my payment account was still inactive a week later. The said they had never received the paperwork. They asked me to now send them the paperwork over " secure message '', I said I no longer had the paperwork, could they email me another copy. They said they could not email me a copy and they had to mail me the paperwork, which would take another 10 business days. I asked to speak to a supervisor. The supervisor stated that despite not having the paperwork, he would go ahead and approve my payment method as he had all the necessary information to do so. He said I would have to wait 10 business days and then the payment method would work. 

I called back again this previous week, XX/XX/XXXX. The payment method still was not fixed. I talked to a supervisor and she told me they never tried to fix it after that previous conversation with a supervisor. She said that in order to resubmit, I would have to start the nearly month long process of waiting for the paperwork, getting a letter from the bank, sending the paperwork back in, and waiting for approval. After I had already done all this and they lost the paperwork. She said I should just cancel my card. I asked if I could speak to anyone higher regarding this issue and she said no. 

I have been dealing with this now for 3 months. I have no other way to pay this card other than driving into the chase bank every month and paying by cash advance. I am frustrated that I have been lied to and strung along by an incredibly ineffective process. I am currently in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am tired of this constant battle and just want to be able to pay my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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 have disputed these XXXX loans that are on my report that should not be. I'VE let the bureaus know this loan has been transferred to another company and should not still be reporting on my credit report. The Bureaus Experian and XXXX are telling me they verified the information which is not true. I spoke with two Representative from XXXX which stated they did not verify with them and these accounts should not still be reporting on my credit report. I also have a letter from XXXX that my loans have been transferred to another 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 2024-07-20 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-07-20 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: FL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-07-20 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: MD

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: SC

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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