vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under 15 USC 1681n. 

Details of the Disputed Account : Account Name : XXXX Debt Validation Issues : The company to which the debt was sold, XXXX XXXX XXXX XXXX investigated and stated they can not validate the debt, hence they ceased collection efforts as indicated in the attached correspondence dated XX/XX/year>. However, XXXX continues to report the debt. This violates the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681s-2 ( b ) ), which requires furnishers to cease reporting information if it can not be verified.

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected, indicating potential willful noncompliance by the credit reporting agencies and XXXX. Under the FCRA ( 15 USC 1681i ( a ) ), credit reporting agencies must reinvestigate disputes and correct any inaccurate information. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages. 

Supporting Documentation : The letter from XXXX XXXX XXXX confirming they ceased collection efforts and can not validate the debt.

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 2024-06-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under 15 USC 1681n.

Details of the Disputed Account : Account Name : XXXX Debt Validation Issues : The company to which the debt was sold, XXXX XXXX XXXX , investigated and stated they can not validate the debt, hence they ceased collection efforts as indicated in the attached correspondence dated XX/XX/year>. However, XXXX continues to report the debt. This violates the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681s-2 ( b ) ), which requires furnishers to cease reporting information if it can not be verified. 

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected, indicating potential willful noncompliance by the credit reporting agencies and XXXX. Under the FCRA ( 15 USC 1681i ( a ) ), credit reporting agencies must reinvestigate disputes and correct any inaccurate information. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages. 

Supporting Documentation : The letter from XXXX XXXX XXXX confirming they ceased collection efforts and can not validate the debt.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-24 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: WI

Complaint narrative:
Equifax credit report has applied company call XXXX XXXX XXXX, XXXX XXXX was informed me to disputed matter took over XXXX days Decision. Was to DELETE this account... due to XXXX XXXX XXXX XXXX XXXX. XXXX didn't match in DISPUTE .then shortly! l review my credit report. notice this account was replaced back on my credit report.. Equitfax refused XXXX XXXX the FCRA consumers XXXX reporting act. Information don't match d. Me bein a consumer l receive a. XXXX dated XX/XX/year> advices me this account would be replaced back showing on my credit report.. Confirmations XXXXEqufFAX. Request l contact web bank .whom l already been contacted. We disputed matter.? very aware that this account doesn't belong to me. Also XXXX XXXX reports. EQuIfax need XXXX to continue to doing there XXXX. What was already granted in a. dispute that took XXXX days. I advised XXXX XXXX  to stop filed against my credit report. These companies. Shouldn't be allowed to losse dispute. Then shortly be replaced showing on credit report My credit report. I have fraud alerts attached. We This account has already been dispute this matter XXXX. was resolves XXXX. Deleting .why is there such thing called dispute. If then XXXX shortly turn aroun replaced back I refuse to make payments. Caused this account doesn't belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
According to 15USC 1681EB the consumer has a right to fair credit reporting and published information. The account in question from " XXXX  XXXX XXXX '' attached violated 15USC 1681. It is improperly reporting across all through bureaus. The violation compromises the right of privacy and fines are applicable. I have attached a copy of the consumer credit report for the account # XXXX XXXX  XXXX XXXX XXXX Dates active, credit limits, high amounts, low amounts are all showing inconsistencies along with the actual account number.

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 2024-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
Went into a car dealership and some guy from Texas named XXXX, sold me a vehicle which I thought was legit. After being unjustly incarcerated I fell behind on payments and ended up in multiple XXXX XXXX XXXX The vehicle was towed and I tried to locate it and was told different stories a lot of back and forth while I'm XXXX  shaking my head. I lost myself during the experience because it felt soooo bad. The whole experience has left me XXXX  to trust that my consumer rights could be potentially violated again. It's the customer service that records the call at the loan office for me though called XXXX XXXX XXXX XXXXXXXX after they were super rude and kept insulting my intelligence over the phone. Just XXXX of the worst experiences of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL,XXXX  XXXX XXXX XX/XX/XXXX Last 4 SSN XXXX Truist Bank XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Truist, I am writing to dispute inaccurate information on my credit report as provided by your agency. According to the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to dispute any information on my credit report that I believe is incorrect or incomplete. 

The item I am disputing is as follows : - **Account Name/Number** : [ XXXX XXXX ] - **Creditor** : [ Truist ] - **Type of Discrepancy** : Late Payment Reported for [ XX/XX/XXXX ] I have reviewed my records and have confirmed that the reported late payment on this account is incorrect. As per the FCRA, all data furnishers are required to provide accurate information to credit reporting agencies. This includes ensuring that all reported late payments are correct and verifiable. I request that you investigate this matter and correct the information on my credit report as soon as possible. 

Under the FCRA, you are required to investigate my dispute and provide a response within 30 days of receiving this letter. Please conduct a thorough investigation and delete or correct the inaccurate information on my credit report. Additionally, I request that you send me a confirmation once the correction has been made. 

Please find my personal information below for reference : - **Full Name** : XXXX XXXX - **Date of Birth** : XX/XX/XXXX - **Social Security Number** : XXXX - **Address** : XXXX XXXX XXXX Thank you for your prompt attention to this matter. If you need any additional information, please do not hesitate to contact me. 

Sincerely, 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 2024-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime
State: MO

Complaint narrative:
PURCHASED A VEHCLE FROM DRIVETIME XX/XX/XXXX THE VEHICLE WAS REPOSSED IN XXXX DRIVETIME REPOSSED THE VEHICLE AND CHARGED IT OFF. DRIVETIME THEN STATED THAT THE VEHICLE WAS SOLD AND THAT IM LIABLE FOR THE REMAINING BALANCE. THE LOAN CONTRACT FOR THE VEHICLE WAS A PERK FOR CONTRACTING WTH DRIVETME ( ASSET SWAPPING ). I PROVIDED A DOWN PAYMENT OF {$600.00} - I WAS QUOTED XXXX CASH PRICE! I ALSO UNKNOWINGLY GAVE SECURITY INTEREST TO DRIVETIME - WHICH I AM NOW ASKING FOR THE SECURITY INTEREST BACK! DRIVETIME IS PRIVATELY RESALING THE SECURITY TO DIFFERNT INSTITUTIONS. 
THE FINANCE FEE IS THE SUM OF ALL CHARGES. 
ALSO DRIVETIME RE-AGED MY ACCOUNT BY UPDATING THE LAST ACTIVITY ON MY CREDIT REPORT IN HOPES OF KEEPING THIS HARMFUL AND NEGATIVE INFORMATION LONGER ON THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account with XXXX XXXX on XX/XX/XXXX. A car loan with XXXX XXXX XXXX on XX/XX/XXXX. A credit card with XXXX XXXX Bank XXXX on XX/XX/XXXX. A credit card with XXXX XXXX on XX/XX/XXXX. A car loan with XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX credit cards on XX/XX/XXXX and XX/XX/XXXX. A XXXX XXXX credit card on XX/XX/XXXX. A XXXX XXXX account on XX/XX/XXXX. A XXXX account on XX/XX/XXXX. An account with XXXX XXXX XXXX XX/XX/XXXX. A car loan with XXXX XXXX XXXX on XX/XX/XXXX. A XXXX XXXX XXXX account on XX/XX/XXXX. A collection account with XXXX XXXX XXXX on XX/XX/XXXX. Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. A collection account with XXXX XXXX XXXX on on XX/XX/XXXX. XXXX accounts with XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. A collection with XXXX XXXX XXXX on XX/XX/XXXX. A collection account with XXXX XXXX XXXX on XX/XX/XXXX. A credit card with XXXX XXXX Bank XXXX on XX/XX/XXXX. An account with XXXX XXXX on XX/XX/XXXX. A collection account with XXXX XXXX XXXX on XX/XX/XXXX. An account with XXXX Flags XXXX Georgia on XX/XX/XXXX. And a Bankruptcy on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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 2024-06-24 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: NJ

Complaint narrative:
Kindly remove and block.

I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away.

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 2024-06-24 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: MI

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-24 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: MI

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to a JP Morgan Chase branch today XX/XX/year> at XXXX XXXX XXXX XXXX XXXX, FL XXXX to utilize their ATM to deposit {$1000.00} cash ( all in {$100.00} bills ) and the ATM malfunctioned without crediting my account or giving the cash back to me! The ATM machine only produced a receipt which stated to call customer service to get this handled. I immediately called customer service in which the representative told me that I would receive a " temporary '' credit of the dollar amount deposited but that it can take 10 business days. 10 BUSINESS DAYS?!! Is this a joke? Why are these banks playing with our hard earned money. I am struggling to make ends meet and needed the cash deposited ASAP to pay my bills and mortgage which now I am sure I will incur late fees and no one seems to care or have any compassion? This is insane. The fact that this is an issue that occurs often based off of my research, I am surprised there hasn't been a lawsuit filed. If I do not receive my hard earned money by tomorrow, XX/XX/year> proper authorities and local news will be involved. No one should have to wait 10 freaking business days to receive money that a machine stole!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XX/XX/XXXX, I received a letter from Navy Federal Credit Union that if they did not receive my title for my XXXX XXXX XXXX, showing them to be the lienholder. They would increase my interest and monthly payments. I was advised that they had my title, I just needed to sign the application. After taking the signed application to the branch in XXXX, Texas, the representative told me they had everything they needed and I was glad to go. After about a month, I contacted Navy Federal and I was advised that I needed to bring my title in. I advised them I never received the title. They stated to me that the title was hand delivered to me personally. I advised them I never received the title, and the date that it was supposed to have been delivered to me, I was not home. The representative pretty much told me that was not his problem. 
So on XX/XX/XXXX, I went and got a new title from the DMV and immediately took the above branch. The representative advised me it would be sent out the next day to XXXX, Pennsylvania. I waited until the following to see if my file was updated, and supervisor told me they received the paperwork, but they have to wait for it to get processed. While during this waiting period I am still being penalized, and paying an extra {$45.00} a month on my car payment. 
On this date XX/XX/XXXX, I contacted the Navy Federal Credit Union and the representative could not locate any of information or paperwork. For approximately 2 months I've been getting the run around and no one from the Credit Union seems to care. 
If you could help me out, it would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
f there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act

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 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
I have an XXXX credit card opened in my name. I do not have any credit cards. This is not my card. I called and requested it to be investigated and closed. They did their investigation and it was denied. They state it is my card. It is not my card. I have called back numerous times and was told to write a letter.

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 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: MS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: OH

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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