vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: MO

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

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 2025-01-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX gave me a License to Unlock my funds and yet WELLS FARGO doesn't want to give me my money. 
This Bank is violating a government order which i immediately authorize to deliver my money. 
My license number is : 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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
Sent a request to validate the debt that they said I owe them. I have never done business with this company and the information that they provided me did not have their name on it. It has an entire other company name on it. In fact they have two different names on the documents that were provided to me, which makes them the third person to have my personal information claiming that I owe this debt. They did not provide me with a contract, or signature to show that I personally have a contract with them and owe them. 

They sent me information about a law suit that I knew nothing about with the documentation again this information is invalid and false. I don't owe them anything as I never had a contract with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: ID

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2025-01-09 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 am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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 2025-01-09 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: OneMain Finance Corporation
State: PA

Complaint narrative:
One main financial has repeatedly violated my consumer rights.OneMain Financial Subject : Formal Request to Delete Inaccurate Account Information Dear Sir/Madam, I am writing to formally dispute inaccuracies in the information reported on my account with OneMain Financial. Upon reviewing my credit report dated XX/XX/year>, I identified several errors that significantly misrepresent my account history. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my creditworthiness. 
The following issues are of particular concern : Reported Balance : My balance is listed as {$12000.00}, which does not accurately reflect my payment history or current balance. I do not have a contract with One Main Financial. 
Payment History : The report claims I have made only 50 % of payments on time, which is false. This violates 15 usc 1661i. Willful misconduct.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), inaccurate or unverifiable information must be deleted or removed from my credit report. Specifically : 15 U.S.C. 1681i ( a ) : You are required to investigate disputed information within 30 days of receipt of this letter.

15 U.S.C. 1681s-2 ( b ) : As the furnisher of information, you are required to conduct a reasonable investigation and promptly delete inaccurate, incomplete, or unverifiable data from credit reports. 
Given the inaccuracies in the information provided and the harm it has caused, I am requesting that the account information in question be immediately deleted from my credit report. 
Please confirm in writing that this account has been deleted, or provide documentation verifying the accuracy of the reported balance and payment history. If the account is not deleted or properly verified, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Additionally, I reserve the right to pursue legal remedies under 15 U.S.C. 1681n ( civil liability for willful noncompliance ) and 15 U.S.C. 1681o ( civil liability for negligent noncompliance ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally complain about Experian re-adding an account that was previously removed from my credit report due to confirmed identity theft. The account in question is : XXXX XXXX XXXX Account Number : XXXX ) This account was removed from my credit report after I provided documentation of identity theft, including a police report and an FTC Identity Theft Report. However, on XXXX, Experian unexpectedly and without notice re-added this fraudulent account to my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, credit reporting agencies are required to block information resulting from identity theft when provided with appropriate documentation. Additionally, FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) mandates that credit bureaus notify consumers in writing within five business days if previously deleted information is reinserted. I have not received such notice from Experian. 

This action by Experian is causing significant stress and could harm my financial standing. 

I request that : The fraudulent XXXXXXXX XXXX  account be permanently removed from my credit report. 

Experian provide an explanation for why this account was re-added without proper notice. 

Any further reporting of this fraudulent account be immediately stopped. 

I kindly ask for your assistance in resolving this matter and ensuring that Experian complies with FCRA regulations. Please let me know if additional documentation is needed. 

Thank you for your attention to this urgent 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 explanation
Consumer complaint received 2025-01-09 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: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally complain about Experian re-adding an account that was previously removed from my credit report due to confirmed identity theft. The account in question is : XXXX XXXX  ( Account Number : XXXX ) This account was removed from my credit report after I provided documentation of identity theft, including a police report and an FTC Identity Theft Report. However, on XXXX, Experian unexpectedly and without notice re-added this fraudulent account to my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, credit reporting agencies are required to block information resulting from identity theft when provided with appropriate documentation. Additionally, FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) mandates that credit bureaus notify consumers in writing within five business days if previously deleted information is reinserted. I have not received such notice from Experian. 

This action by Experian is causing significant stress and could harm my financial standing. 

I request that : The fraudulent XXXX XXXX account be permanently removed from my credit report. 

Experian provide an explanation for why this account was re-added without proper notice. 

Any further reporting of this fraudulent account be immediately stopped. 

I kindly ask for your assistance in resolving this matter and ensuring that Experian complies with FCRA regulations. Please let me know if additional documentation is needed. 

Thank you for your attention to this urgent 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 explanation
Consumer complaint received 2025-01-09 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: TN

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: IL

Complaint narrative:
I am filing this complaint against Experian for failing to investigate and accurately report the following disputed accounts on my credit report, as required under the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ). Despite sending a formal dispute letter, Experian has not provided verification of these accounts within the legally mandated timeframe, nor have they removed unverifiable or inaccurate information. Please Delete 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 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 explanation
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I submitted a check mobile deposit. I looked at my account on XX/XX/XXXX and the funds have not been received. I did not receive any communication from Ally about why the funds had not been deposited, which they confirmed to me when I contacted them on XX/XX/XXXX. They said they were not sure why I was not contacted and asked me to resubmit the mobile check. 

This seems like a lapse of judgement somewhere on Ally 's end. I don't know if this impacts truth in savings laws, but I was expecting interest to be earned on this deposit and to see that they were just sitting on a response without notifying me saddens me.

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 2025-01-09 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX Charge off-XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2025-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group
State: MI

Complaint narrative:
My husband and I needed to purchase new windows for our home, which is a large expenditure that we needed to finance. The vendor urged us to go through Foundation Finance to cover the cost, which was {$25000.00}. We moved forward with the windows and the financing, creating the account with XXXX on XX/XX/XXXX. We were told we had a grace period on interest ( of an indeterminate period ) ; the interest was charged on the first payment, which was due XX/XX/XXXX. 

Fast forward to XX/XX/XXXX... I have made payments of {$300.00} each month on time since XX/XX/XXXX. The monthly statement from XXXX ( most recent one attached ) does not provide an interest rate, but estimates a very low payment of {$12.00}. The current balance indicated that just {$91.00} of my last {$300.00} payment went to the principal of the loan balance. When I reviewed older statements, it was the same story : a very low interest payment but little progress on paying off the balance. It was clear to me that we were paying an extremely high interest rate with little hope of actually paying down the balance in my lifetime. 

I called XXXX and was told my interest rate is 9.9 %. The explanation from the customer service representative was unclear and we believe this is a daily, compounded rate. The representative offered to send me a statement of account over the life of the loan, which I have attached here. It's clear that we are paying about 67 % interest. 

We have arranged alternate financing with a fixed 0 % interest rate elsewhere. That said, this company 's practices are extremely unethical and something should be done to change this. Perhaps finance companies are not required to make the same disclosures as credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TN

Complaint narrative:
My concerns are TransUnion credit bureau, and how third-party such as XXXX XXXX keep record of reports. The algorithm and models they use does not show a score improvement. It will tell you great job on your payments. But it will never improve your score. The score stays the same for months after month. The moment you request or fill out an application to a company such as rentals mortgages, and others TransUnion and the third-party will immediately drop your score. Anywhere from 40 points to 70 points. I believe companies that use this credit bureau knows that and they declined you or give you option to better yourself.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-09 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: FIRST CITIZENS BANCSHARES, INC.
State: MI

Complaint narrative:
XXXX beyond frustrated because I have contacted FIRST CITIZENS BANK multiple times including XX/XX/XXXX and XX/XX/XXXX and a few other times that I dont have the dates for because I need a document to register the car in the state of Michigan XXXX My husband and I purchased the vehicle in North Carolina in XXXX of XXXX. He got out of the XXXX XXXX and moved back to Michigan XXXX of XXXX. The tab was supposed to be renewed MONTHS ago and its expired. When we go to Secretary of State, they say we need the title. The problem is, the loan isnt paid off so we dont have the title yet. I have called First Citizens Bank multiple times and I get told something new every time. The first time I asked, they said theyre going to mail me the title and it should come in 10 days. It never came so I called a month or two later, the second time the representative I spoke to said that the people at Secretary of State have to fax in the request to them first, and then theyll fax the title directly to them. Ive never heard of this before and this doesnt sound like something Secretary of State would do. I called a third time this XXXX  and I spoke with a rep named XXXX. XXXX told me she knew what I needed because she had talked to another customer in the same situation where he was trying to register the vehicle in another state. I was relieved. I was on the phone with her for maybe an hour. She put me on hold to fill out a form to request the title or proof of guarantor to the loan department. She said that she would personally call me by the end of day or the next day. It is now Thursday and I have yet to hear back from anyone. This is absolutely unacceptable because how am I going to keep driving around with an expired tab? SOMEONE PLEASE GET ME WHAT I NEED!

Company response to consumer: Closed with explanation