vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in 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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-23 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: MI

Complaint narrative:
I was looking through my consumer reports and noticed 3 hard inquires on my XXXX account and Experian account. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy according to the Fair Credit Reporting Act. I did not provide written consent to report the following inquires on XXXX : XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, and XXXXXXXX  XX/XX/XXXX . Please investigate and provide proof that I authorized the reporting of this information. IF proof can not be provided, I demand these hard inquires to be removed from my XXXX and Experian account.

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 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CFM Group LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFM Group LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Details of the Incident XX/XX/XXXX : Scheduled deliveries by XXXX XXXX XXXX failed to arrive multiple times, directly impacting the operations at XXXX XXXXXXXX XXXX 

XX/XX/XXXX : XXXX increased prices by XXXX XXXX  and decreased XXXXXXXX XXXX by XXXX XXXX without prior notification, violating our existing agreement. 

XXXX - XX/XX/XXXX : Multiple communications were sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  addressing the unauthorized price increase and supply issues. The responses received were unsatisfactory, with no resolution within the 30-day period specified in our contract. 

Unauthorized Actions : There have been instances of forged receipt signatures when services were claimed to be delivered by XXXX, raising legal and ethical concerns. 

Interaction with CFM Group Missed Call and Voicemail on Current Date : CFM Group left a voicemail regarding an outstanding balance for XXXX XXXXXXXX XXXX, threatening to report the debt to credit bureaus. 

Return Call and Discussion : XXXX XXXX XXXX XXXXXXXX XXXX XXXX returned the call to dispute the credit card chargeback and collection action. CFM reviewed the email chain but insisted on resolving the dispute by offering a reduced payment, which was refused by XXXX. 

Outcome : CFM noted the account as " refuse to pay '' and threatened further action, such as reporting it to credit bureau. 

Requests and Actions Taken Review by CFM : CFM needs to thoroughly review the email chain sent by XXXX XXXX and provide a decision on the dispute. 

Credit Report Update : CFM is expected to update the credit report to reflect the 'no status ' consequence for XXXX XXXX refusal to pay, acknowledging the ongoing dispute. 

Documentation and Communication : All interactions and transactions have been documented without including personal identifiers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: NV

Complaint narrative:
My id was stolen and I presented XXXX with the evidence and Police reports and yet they still are not removing the Fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank : XXXXOF AMERICA Account Number : XXXX Due to identity theft, I was the victim of the loss of my phone and wallet, allowing money transfers to be made from my bank account to another without my authorization. As a result, my account at Bank of America was closed and I was forced to take responsibility for these fraudulent transactions. Additionally, I have noticed a number of unauthorized inquiries on my credit history, indicating possible misuse of my personal information. Below I detail the unauthorized inquiries made by various financial institutions : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( on behalf of XXXX XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX ) XXXX XXXX ( on behalf of XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( on behalf of XXXXXXXX XXXX ) on behalf of XXXX XXXX XXXX XXXX  XXXX ( on behalf of XXXX XXXX XXXX XXXX XXXX ( on behalf of XXXX XXXX ) XXXX XXXX ( on behalf of XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( on behalf of XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX ) XXXX XXXX ( on behalf of XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of XXXX XXXX XXXX ) XXXX XXXX A PART OF XXXX ( on behalf of 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 2024-04-23 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good afternoon this is XXXX XXXX. I just received a letter in the mail yesterday stating that I owe Fifth third bank {$230.00}. I havent used that account in almost a year! I attempted to close the account but the banker told me I couldnt close it with XXXX XXXX cents in the account. There is nothing that cost XXXX XXXX cents to get rid of it. I left the XXXX XXXX cents in the account and never used it again since I wasnt allowed to close it. I do not owe them any money. My account was not in the negatives when I stopped using it. I understand today is the last day to contact you about this issue, so please let me know if this can be resolved. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: TX

Complaint narrative:
Transunion is furnishing inaccurate information for the account XXXX  XXXX XXXX XXXX on my credit report. Transunion was notified on XX/XX/2023 that they were reporting incorrect information on an unverified account. Transunion is reporting inconsistent dates for the date last active on this account which is a violation of the FCRA. This information is not credible. Also, the account XXXX XXXX is reporting inaccurately. There is a balance of {$1100.00} reporting when the balance should be {$0.00}. Furthermore, you have re-aged this account. You changed the date last active every month when there has been no activity on this account. XXXX and XXXX have deleted this account. Should you continue in your non-compliance ; the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached dispute letter, which is dated, and time stamped.

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 2024-04-23 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: PA

Complaint narrative:
I am writing once again to your department to dispute this negative entry on my credit report that I believe to be inaccurate. The item in question is : 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 2024-04-23 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: TX

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND NAMES REQUESTED THAT THEY BE REMOVED.

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 2024-04-23 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: TX

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND NAMES REQUESTED THAT THEY BE REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: NY

Complaint narrative:
TransUnion sent me a report on XX/XX/2024 showing that they verified and the accounts that is highlighted is verified and accurate as you can see at the highlight accounts you can see the accounts are not accurate. Theyre inaccurate and per the Fair Credit Act they should be deleted, since these accounts was not properly verified And are not 100 % accuracy they should be deleted.

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 2024-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
On or about XX/XX/2024, I reached out to Mariner Finance at the XXXX XXXX to make another request about my extra payments being applied to the Principal amount of my loan, and I was told by the Manager at that branch that was not possible and Manager there said he would have the District Manager XXXX XXXX XXXX, get in touch with me. And XXXX XXXX did in fact contact me on the same date mentioned above told me he would look into it, Only to contact me the next day XX/XX/2024, and tell me there was nothing he could do for me referring me to I contacted The Customer Service Relations ( XXXX ) on or about XX/XX/2024, where I had a very unprofessional and Contentious conversations with a women who refuse to give me her name and hang up on me because I was requesting for someone within the Company to sign a Sworn Declaration stating that I did and in fact make the request for my extra payment to be applied to my Principal Amounts of my Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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:
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  has violated my rights. Or a 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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: GA

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  has violated my rights. Or a 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 seven 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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: MI

Complaint narrative:
Calling my brother and sister in law repeatedly. From what I know the legal amount is once. They both work and dont have time to be harassed by phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/year>, TransUnion received from me a disclosure request and investigation request. I personally sent this, signed it, and included proof of residence and identification as well as a copy of my drivers license. I sent this according to Section 609 of the Fair Credit Reporting Act ( FCRA ), where I formally requested a thorough and detailed disclosure of all information pertaining to my credit profile. It was not only a dispute under Section 611 for accuracy, but also a request for full disclosure as granted by the FCRA section 609.

In an attempt to subvert their responsibilities and ignore the statutorily mandated timelines of the FCRA, TransUnion sent me a letter saying that I was using a credit report company or credit clinic and they weren't complying with my disclosure right or investigation per sections 609 and 611 of the FCRA. 

As a consequence, the information contained in the accounts section should be deleted from my TransUnion report under the law and FCRA because TransUnion did not properly disclose or investigate as they have a responsibility to do under the FCRA.

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 2024-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
After reading 15 USC 1605, under the Truth in Lending Act and looking over the auto loan contract, written by XXXX XXXX XXXX and enforced by Ally Financial, I noticed there several items that were included in the finance charge that were not supposed to be. On XX/XX/2024, I sent the company an XXXX XXXX XXXX listing the violations present within my contract, as evidence, alongside the Notification of Rescission. I cited the codes in full detail and described the violations within the contract. This document was notarized. An example of one of the infractions is the nonobservance of 15 USC 1605a which states, " The finance charge does not include charges of a type payable in a comparable cash transactions. '' The contract that Ally Financial is enforcing has a charge for a gap addendum included in the calculation of the finance charge. On the contract for the gap addendum, it specifically states that, " ... .That your acceptance of this gap addendum is voluntary and is not required in order for you to obtain credit, does not impact your ability to obtain any particular or more favorable credit terms and has no effect on the terms of the related sale of the vehicle. '' However, the inclusion of the cost of this addendum was used as part of the calculation of the finance charge. The charge for the addendum would be paid regardless of the presence of a loan or not. 
Another example is again the violation of 15 USC 1605a, which states, " The finance charge shall not include fees and amounts imposed by third party closing agents if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. '' The calculation of the finance includes a processing fee from the dealership, XXXX XXXX XXXX. They would be considered a third party closer, because the dealership assigned their interest in the contract over to Ally Financial. Ally Financial doesn't require a processing fee for credit to be obtain through them nor do they retain the processing fee, that the dealership charges. That amount should not be a part of the finance charge calculation. Those are only a two of the examples from the document. I will attach a copy of the full copy of the affidavit as well as the bill of particulars, citing the evidence within contract. I sent this to Ally Financial to inform them that they were enforcing a contract that was not in compliance with XXXX, and that it would be grounds for the rescission of said contract. I heard nothing from Ally Financial is regards to this matter. In fact, my vehicle has been repossessed for none payment of a contract that was not enforceable based off of it multiple violations.

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