vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: AL

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written consent Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report. Thanks

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an unrecognized account on my credit report that I did not authorize. I suspect this entry may have been created due to identity theft or fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: CA

Complaint narrative:
In accordance with 605B of the Fair Credit Reporting Act, I am submitting this complaint regarding fraudulent accounts that were opened in my name without my knowledge or consent. These accounts are the result of identity theft, and I have already filed a dispute with the relevant credit reporting agencies. However, they have failed to act in accordance with 605B. 

As required by law, I am providing the necessary documentation, including my FTC Identity Theft Report, proof of identity, and a signed statement confirming the accounts were not authorized by me. Under 605B, the credit reporting agencies must block and remove this information within **four business days**. 

Fraudulent Accounts Identified : 1 ) XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$6900.00}. 
2 ) XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$24000.00} 3 ) XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$3700.00} 4 ) XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. 

I request immediate action in blocking and removing these fraudulent accounts. Please ensure the credit bureaus comply with the FCRA as these accounts are causing significant damage to my financial standing.

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 2024-09-30 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: NY

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) section states a 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 antidotes the report by more than XXXX years. 15 U.S.C 1681 s-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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX and got financing through XXXX XXXX. It read XXXX on the odometer of the vehicle during the time of purchase. The car was sold to me for {$22000.00}, XXXX times the blue book value. I beleive that credit acceptance took advantage of hardship being that my credit was bad. Giviing me easy financing in exchange for a expensive car that wasnt worth its value at a price I could not afford. With high mileage on the vehicle and it being an older car, even if I sell the vehicle, I can never get the amount I paid back for this car. I feel that this is not an honest establishment, knowing they financed a car to me at this price. This establishment has no compassion for its costumers or the community it provide services. I feel that I have been taken advantage of. This car loan has damaged my credit and put me in more of a finanical hardship trying to pay it off. In this case, I feel that I deserve compensation which would be the difference for the price I paid and the blue book value. I would say that {$18000.00} paid back to me for pain and suffering while I stuggled to pay off this outrageous car loan would be justice. If I do not recieve a settlement payment in a timely fashion, I will proceed with further actions. 
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 explanation
Consumer complaint received 2024-09-30 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: WV

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX  before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose XXXX XXXX XXXX XXXX XXXX XXXX inquiry has no permissible purpose to be on my report. Deleted this inquiry due to violation is XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Deleted this inquiry due to violation is 15 USC 1681b XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Deleted this inquiry due to violation is 15 USC 1681b XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Deleted this inquiry due to violation is 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: NY

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 2024-09-30 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: Experian Information Solutions Inc.
State: NY

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 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 2024-09-30 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: IL

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2024-09-30 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 am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
on XX/XX/year>, i saw that there was an un-authorized domestic wire transfer from my chase bank checkings account. the amount that was taken out from my account was {$19000.00} $ and was transferred to another bank account without my permission or authorization. I immediately went to my local chase bank to report fraud and closed my chase checking account and asked the bank to monitor my account daily. 

the chase bank said that they will do an investigation. i had alarm set up for any payments or deposits or transfers and i never received any alarm from the bank about this wire transfer. 

The bank never called me to confirm the wire transfer or notify me of this domestic wire transfer. i have no idea how this happened or who got access to my bank account and i asked the bank to cancel the wire transfer. 

the wire transfer went to some person located in another state and it was a domestic wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: SC

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: WA

Complaint narrative:
I am refiling my complaint with the Consumer Financial Protection Bureau ( CFPB ) using the correct ID, as I mistakenly uploaded the wrong ID during previously filing. 

To Whom It May Concern, This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues : This account is being reported as a loss yet there still holds a balance, and the company is continuing to attempt to collect on this alleged debt while two companies can not own the same debt. This account is in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 
XXXX XXXX Account Number : XXXX DELETE THIS ACCOUNT IMMEDIATELY in compliance with 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 

Account violated 15 USC 1692 ( g ) by failing to comply. Report any evidence related to this disputed account and DELETE THIS ACCOUNT IMMEDIATELY as per 15 USC 1692 ( g ). 
XXXX XXXX Account Number : XXXX Please comply with 15 USC 1692 ( g ) and provide any evidence or written consent bearing my signature authorizing the account. If none exists, delete this account from my report immediately. 

FDCPA Section 807 Violation Misleading False Reporting. 
XXXX Account Number : XXXX Under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and update the item in my credit file, showing payment history as paid on time. 

Non-Compliance with Validation Requests : You have failed to validate or provide evidence of my authorization for the disputed accounts as per 15 U.S.C. 1692g ( Section 809 ( b ) ). 

Failure to Cease Communication : Continued communication after my cease-and-desist request violates 15 U.S.C. 1692c ( Section 805 ( c ) ). 

Unlawful Reporting Practices : The reporting of unverifiable and unauthorized accounts constitutes a breach of 15 U.S.C. 1681i ( FCRA Section 611 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Madison Atrina LLC
State: AZ

Complaint narrative:
I applied for a loan at https : //districtlending.com/. 

I give out my personal info and a credit report inquiry, and submit an application. 

Then a loan officer reaches out, to tell me they don't write loans in my target state of Alabama.

I counter by saying, then why does their application push forward to the last step once I selected Alabama. No direct answer was provided.

I also notififed them that a colleague of their is NMLS-licensed in Alabama. I would think they would pass me to them to continue doing business. But, I get no response.

If they truly don't write loans in Alabama, then this is a violation of NMLS and CFPB rules and regulations.

All they have to have done is prevent applications from continuing in the process and taking my personal info and subsequent hard inquiry. 

This complaint is to show the companies really don't care about their customers, and that competitiveness is the focus instead of ethics and rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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:
The following agency Experian has consistently reported my private information in regards to a student loan which was taken in XXXX and has continued to be reported. This agencies do not possess written permission, which is required according to 15 U.S. Code 1681b-Permissible purposes of consumer reports, P.L 90-321 ( 82 stat.146 ). 15 U.S. Code 1681c- Requirements relating to information contained in consumer reports. Originally XXXX was the company reporting to the three agencies above ; and now XXXX has taken their place which is in direct violation of the above laws and The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) In attempt to rectify this situation, I have sent many communications informing these agencies of their violations and the harm it has caused and is causing.

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 2024-09-30 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: AL

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written consent Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: AL

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written consent Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

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