vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There was an affidavit sent to Experian, XXXX, and XXXX regarding account XXXX XXXX on my credit report. I informed the CRA 's of the illegal reporting due to permissible purposes and exclusion laws. I submitted a FTC report which is attached to this complaint. I also noticed that the account has different information being furnished to each credit reporting agency which is also illegal and a violation of the FCRA. Please note that I am the only natural person writing this statement with the help of no third party. See the attached FTC report and inaccurate credit report and remove this account from 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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity 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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity 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 explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have no outstanding debts with this company or any credit institution they claim I owe money to. I urge authorities to take action against this company or consider shutting them down. Their tactics prey on numerous victims through deceptive threats of owed debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
XX/XX/XXXX my XXXXXXXX XXXX XXXX caught on XXXX  because my XXXX XXXX  while going to get my XXXX fixed. I bought the XXXX at XXXX XXXX in XXXX of XXXX and got approved through Credit Acceptance and put {$2000.00} down and they provided me with gap  insurance. In XXXX, I reached out to my car insurance XXXX  to let them know I have a claim and my car was totaled out by XXXX. From my understanding my car loan was {$10000.00} left after I purchased the car at XXXX with Credit Acceptance. I paid my car not every month on time {$310.00} on the XXXX of every month. Come XXXX my insurance ( XXXX  ) totaled out my car for what my car was worth book value at {$6000.00} and I had a {$1000.00} deductible, and because I had Gap insurance through Credit Acceptance from my understanding from the car sales personal and Credit Acceptance Gap would cover the remainder of the balance in the event if something happened to my vehicle. Credit Acceptance only paid {$2000.00} towards my gap and left me a balance of {$2900.00}. When I asked for copies of my gap insurance they denied me each time, I kept getting the same representative, I guess luck of the draw or she was the one over my account in general. I kept paying every 2 weeks to try to get the payment down since I still owed on the vehicle but I continued to collect interest on the account so the balance went up every month. The gap did not cover my XXXX  like it was stated to me, now the car is on my credit Credit Acceptance did nothing to help or rectify the balance or I don't understand why they offered Gap  insurance if they were not going to cover the cost of the vehicle. My loan is still collecting interest until this day. I am not able to finance another vehicle at this point and it has decreased my credit score significantly.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: NV

Complaint narrative:
My student loan was transferred from XXXX to XXXX in XX/XX/XXXX. Loan was taken over by XXXX and subsequently forgiven by the US Dept of Education in XX/XX/XXXX. XXXX was 7+ months late in reporting to the credit bureaus that they took over servicing my loans and which included that they were forgiven. XXXX and XXXX have updated information and have updated the status ( XXXX was the servicer and {$0.00} balance ), but Equifax has not. They still list XXXX full student loan balance and XXXX is not listed on my credit report. XXXX has responded and said that they have updated the information with the CRAs. I have submitted letters from XXXX and XXXX proving that XXXX transferred the loans to XXXX and I have submitted letters from XXXX saying they were forgiven. Equifax goes to XXXX to confirm the information that they have and they will NOT submit info saying it's a {$0.00} balance and transferred. All they will do is verify that the last information that Equifax has is valid ; however, this information is the last balance information before the loan was transferred. Equifax needs to read the letters from XXXX and XXXX. XXXX says it's XXXX 's issue because they were late reporting the loans to the CRAs and that they will NOT send anything to the CRAs. What they would do is send me a letter verifying the loans transferred which I have submitted to Equifax. These are official documents submitted from XXXX apologizing for reporting the status late to the CRAs and that the loan was forgiven. The balance and account info is all there. The XXXX letter confirms the transfer of the loan. They need to look at these and the balances and update my credit report. I am currently working with XXXX XXXX XXXX 's Office regarding the complaint I have filed about all of this with the US Department of Education.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
On or about the dates of XX/XX/XXXX and XX/XX/XXXX, I have submitted a formal correspondence to your agency concerning a discrepancy found in my credit report. Specifically, I requested the removal of the incorrect entry associated with my accounts labeled below. In response, you asserted the verification of this account. However, I find it perplexing that XXXX, XXXX, and Transunion present varying payment histories for the periods. By virtue of rule 1002, I assert my entitlement to access the information you are legally required to possess for reporting such information. In other words, for the provided information to be deemed " verified, '' the furnisher must possess sufficient evidence supporting its veracity, fulfilling the requirements stipulated under 15 USC 1666b. Furthermore, it should be noted that under 15 U.S.C .1681A, I, as a consumer, am entitled to privacy protection. Additionally, 15 U.S.C .1681B prohibits a consumer reporting agency from furnishing account information without my written instructions. Lastly, 15 U.S. Code 6802 establishes obligations with respect to the disclosure of personal information, including the requirement for clear and conspicuous explanations to consumers on exercising their right to prevent XXXX from disclosing personal information to third parties. Remove these accounts. 
XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake Portfolio Management ( wpm ) sold a XXXX XXXX XXXX XXXX XXXX XXXX. The vehicle was collected on XX/XX/XXXX and sold on XX/XX/XXXX. I XXXX XXXX was in the middle of litigation with the OC ( Original Creditors ) U.S. Auto Sales which is also affiliated with the lien holder U.S.Auto Finance. I received a judgment on XX/XX/XXXX that the contract that WPM claims to have POA on from U.S. Auto Sales/U.S. Auto Finance was considered with a Final Order rescinded. On XX/XX/XXXX that order was final, a law firm by the name of XXXX XXXX XXXX who also represented WPM in a previous case case number XXXX. They also decided to represent U.S.Auto Sales inc filed a motion to set aside default and tried to open a default on XXXX XXXX. As of today the judgment still stands I No longer have a contract with U. S. Auto Sales/ U.S. Auto Finance nor do I have a contract with WPM that collected XXXX dollars plus on a vehicle they sold and sole from private property. and they continue to want to collect on something that has been canceled per state rules for FRAUD. XX/XX/XXXX the judge stated that his choice of cancelation of the contract still stands

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
Information that I previously informed you the Consumer Reporting Agency on or around XX/XX/2023 that was a result of alleged identity theft pursuant to 15 U.S.C. 1681c-2 and providing to you all the appropriate document inclusive of a FTC identity theft report and police report has no been reinserted into my consumer file as evidence on my consumer report.

I have not received any form of written or unwritten notification from you the consumer reporting agency in compliance with the FCRA section 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( Requirements Relating to Reinsertion of Previously Deleted Material ) section ( ii ) Notice to consumer. 

Information furnished by : XXXX XXXX XXXX ; Date Assigned; XX/XX/2023 ; Amount : {$860.00} ; Account Type : Collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: GA

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are unauthorized

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 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I don't owe a XXXX XXXXXXXX to Portfolio Recovery Associates , LLC. Despite their persistent calls and threatening letters over the past few years, claiming to file a lawsuit, I've never had any outstanding debts with them. I want to lodge a complaint against their harassment tactics and false claims. This company 's actions violate consumer rights, and I request action be taken to shut them down. Shut down this company to protect the consumer like me and there are many which i see same problem from this comany.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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. these are the accounts : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : 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 2024-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Deutsche Bank
State: WA

Complaint narrative:
My name is XXXX XXXX and yesterday I was victim of a phishing attack on XX/XX/2024. I was about to close on a home and then I got a mail from the imposter who introduced himself as XXXX XXXX, loan processor. 
I was asked to wire XXXX USD to a fake escrow company, and I fell for it. 
The wire transfer was sent from my XXXX XXXXXXXX XXXX account ( account # XXXX  ) and the wire transfer request number is XXXX. 
Transaction Id : XXXX The account number that I was asked to transfer the money to is ACCT # XXXX I request you to kindly block this wire from going to the above account. I have also informed the police and also reported to ReportFraud.ftc.gov. 

Following is the instruction that I received : ACCT NAME : XXXX Title and Escrow XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX ABA # XXXX ACCT # XXXX BANK NAME : DEUTSCHE BANK XXXXXXXX XXXX XXXX  ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please Reference : XXXX XXXX XXXXXXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Other company involved is my bank : XXXX XXXX XXXX. They don't have fraud helpline active from XXXX XXXX PST to XXXX XXXX PST. If this facility was provided, they could have acted immediately. They let me wait almost 14 hours before they issued a XXXX recall. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have filed a IC3 complaint with the FBI and also with the local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

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 XXXX out of XXXX 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. these are the accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I XXXX XXXX XXXX recently received a copy of my credit report and seen the illegally reporting which are unauthorized inquiries. The following inquiries listed are from - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  JPMCB CardXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize the listed company 's to access or report any inaccurate information on my credit files. I am need assistance with removing the unauthorized inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
I XXXX XXXX XXXX recently received a copy of my credit report and seen the illegally reporting which are unauthorized inquiries. The following inquiries listed are from - ( XXXX XXXX XXXX 700 CreditXXXX 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 I did not authorize the listed company 's to access or report any inaccurate information on my credit files. I am need assistance with removing the unauthorized inquiries from my credit report.

Company response to consumer: Closed with explanation