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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-12 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: NC

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 2024-12-12 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-12 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-12 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: MD

Complaint narrative:
RE : XXXX  Block Request To whom it may concern, I am a XXXX XXXX XXXXXXXX. The information listed below, which appears on my credit report, is the result of that 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 {$170.00} Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-12-12 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: VA

Complaint narrative:
The laws established by CongresXXXX to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXXContents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened aXXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX  and a collections account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$100.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( private case number ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
Chrysler Capital XXXX Repossessed My XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX. I Had An Arbitration Clause In The Contract Which Chrysler Capital Breached. In Tennessee, the law related to the right to repossess collateral under the Uniform Commercial Code ( UCC ) is governed by Article 9 of the UCC, specifically UCC 47-9-609. This section outlines the rules and procedures for a creditor to repossess collateral when a debtor defaults on a secured transaction.

According to Tennessee 's UCC 47-9-609, a creditor generally has the right to repossess collateral if the debtor has defaulted on the underlying obligation. However, having a lien on the collateral is a key requirement for the creditor to exercise the right to repossess. The creditor must have a security interest in the collateral, typically established through a security agreement or another means allowed under the UCC.

Therefore, in Tennessee, to repossess collateral under the UCC, the creditor must have a valid security interest or lien in the collateral as outlined in the UCC rules. It is essential for creditors to follow the proper procedures outlined in the UCC to repossess collateral lawfully and avoid potential legal challenges from debtors. In Particular, Inclearing deposits played a crucial role in the processing of auto loan payments affecting both lenders & borrowers. My auto home from Chrysler Corporation was {$53000.00} & Chrysler used the OC application form submitting it to the Federal Reserve Bank requesting {$350000.00}. Within a week and a half they received a check known as an inclearings deposit any amount of {$350000.00} made payable to my name. I Was never told about this particular deposit it seems that the operating circular number XXXX appendix XXXX of the Federal Reserve has an irrevocable power of attorney associated with it, I believe that the irrevocable power of attorney is unconscionable as a clause in our agreement. However the corporation should have adjusted the balance and reserve the remaining portion of the deposits to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Guild Holdings Company
State: VA

Complaint narrative:
On my closing disclosure, I paid for taxes that were supposed to be paid by the builder. The builder paid the taxes on the back end but I did not get the money back because it showed up as a " credit '' on my XXXX statement. How can it be a " credit '' when I paid for it at closing?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
In 1998 I was in the XXXX XXXX, so was my XXXX  at the time. We are now divorced. I just had given birth to my XXXX baby, and my ex asked me to go with him to the dealership in XXXX NC, ( not sure of the business name ) as he purchased a XXXX XXXX XXXX in his name only, so I thought. I found out years later my name had been signed not sure if it was the owner, or cosigned. If I had done so, I most likely had no idea what I was signing, and I was never provided paperwork. My ex-husband did all the bills, and we are divorced because he had issues with fraud. The van was later repossessed which, I had no idea of that either. Payments were not being made, and he swore they had been. Since then, I have reported this to the agency, they have this story on file. I have given the information of my ex to them, and they continue to call me XXXX days a week, XXXX times a day and I spoke with a man a couple days ago and told him the same story. I don't understand why they want over XXXX for this, and what is the statute of limitations? I feel harassed, upset and frustrated. I don't want to keep reliving my abusive past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Our loan was previously serviced via XXXX, it was transferred to Mr cooper and when the transfer occurred we noticed our biweekly payments had increased significantly. I wrote in on XX/XX/year> to mr cooper to ask why the payment went up by so much. I was informed that after looking at our Mortgage she saw there was an escrow analysis completed before the loan was transferred. According to the analysis my taxes and insurance has been increased due to which payment has also been increased. The amount has a shortfall of {$1600.00}. We were informed we can pay this shortfall and reduce the monthly payment. I told the representative that we were never informed of the shortage from the previous servicer or from our new servicer prior to payments being automatically withdrawn. I did recieve a notice of transfer but nothing regarding escrow shortage. I asked that she file a complaint with their compliance complaint department- the case number is XXXX. 

I would like to know why I was not informed of the escrow shortage via writing and a refund on the difference in payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 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 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. 
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?

Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

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

Complaint narrative:
I am demanding the immediate removal of fraudulent accounts that have been wrongfully placed on my credit report. These accounts were fraudulently opened in my name without my knowledge or consent, stemming directly from the 2017 Equifax data breach, in which sensitive personal information was stolen and subsequently misused. This constitutes a clear and actionable case of identity theft. 

The following fraudulent accounts have been placed on my credit report and must be removed immediately : XXXX XXXX XXXX XXXX : Balance {$23000.00}, Account Number XXXXXXXX XXXX XXXX  : Balance {$1800.00}, Account Number XXXX XXXX XXXX  : Balance {$400.00}, Account Number XXXX Remove all name should only have one name XXXX XXXX XXXX REMOVE ALL HARD INQUIRES AND SOFT!!!!!! 

These accounts have resulted in unauthorized hard inquiries and collections that are both damaging and illegal under federal law. Specifically : Under 15 U.S.C. 1681c-2, you are required to block and remove fraudulent information from my credit report within FOUR DAYS of receiving this notice.

Under 15 U.S.C. 1681s-2, all collection activities related to these accounts must cease immediately. 

Under 15 U.S.C. 1681b-2, it is unlawful to furnish credit reports or use consumer information without proper authorization. These fraudulent accounts were opened without my consent, violating this statute. 

Your failure to comply with these clear legal obligations will result in immediate escalation.I will initiate legal proceedings to hold your organization accountable for all damages caused by your negligence and failure to act. 

You are required to confirm receipt of this demand immediately and provide written documentation proving that these fraudulent accounts have been removed, unauthorized inquiries corrected, and all collection activities ceased. Any delay, noncompliance, or excuse will be met with swift action.

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

Complaint narrative:
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

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 2024-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC
State: MD

Complaint narrative:
I was told by the dealer my car had a lower interest rate and my payment was lower. Once I got the paperwork I had an astronomical interest rate and payment. I had to take it due to I needed a car I sent emails trying to get it lowered with no response.

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

Complaint narrative:
" I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them 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 non-monetary relief
Consumer complaint received 2024-12-12 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:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them 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 2024-12-12 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: CA

Complaint narrative:
I went to check my credit profile and found some inquiries that are not mine.

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 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX ( XXXX XXXX XXXX XXXX, I presumit that no proof of the allegra debt, nor therefore any XXXX such debt, in fact therefore exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation