vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is repeatedly asking me to subscribe to a credit protection service. After I did not subscribe it has downgraded my credit score from XXXX to XXXX ( scores provided by a service called XXXX XXXX that I have subscribed to for many years, who told me they rely on Equifax for credit scores ). When I requested my credit report online Equifax says it is unavailable. When I called their telephone number and spoke to a human they said they can not tell me why my credit score has declined. 

I am asking you to ask Equifax to tell me why there has been such a huge decline in my credit score. I am up to date on my bills and have in excess of {$200000.00} in savings in XXXX and XXXX and in excess of {$5000.00} in savings and checking. 

I have a question : Is Equifax trying to extort subscriptions to a service called XXXX Scores by drastically lowering credit scores? 

I Just today I received an email touting VantageScores from a sender called XXXX with subject line " Curious about your credit scores? '' with subhead " Get your XXXX XXXX from Equifax '' for 30 day trial of {$1.00} and {$19.00} a month if I do not cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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/updated. 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 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days 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!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: PA

Complaint narrative:
I cant understand why incorrect accounts are showing up on my credit report. I reviewed my report this morning, like I always do, and for the first time, I noticed strange discrepancies that werent there before. I tried refreshing the page repeatedly, thinking it might be some kind of error, but the inaccuracies remained. XXXX begging for someone to carefully verify the documents Ive provided to resolve this so I wont have to worry about it anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: PA

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I cant figure out how or why theyre there. I regularly review my credit report, and everything has always been fine until now. I even tried refreshing the page, hoping it was just a glitch, but nothing changedthe errors are still there. XXXX begging for a thorough review of the documents Ive submitted so that I never have to deal with this kind of XXXX  again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: PA

Complaint narrative:
When I checked my credit report today, I was shocked to see accounts that dont belong to me, and Im completely clueless as to how they appeared. I routinely check my credit report and have never had an issue until now. I tried reloading the page, thinking it was some kind of technical error, but the incorrect accounts are still there. Im pleading with you to carefully review the documents Ive sent so I can finally have peace of mind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: MI

Complaint narrative:
I noticed several inaccuracies and unauthorized inquiries on my credit report from multiple credit bureaus, which I believe violate the Fair Credit Reporting Act ( FCRA ). These include : Inaccurate Personal Information : XXXX  details, such as " XXXX XXXX '' and " XXXX XXXX, '' have been listed on my credit file without my authorization. I have no association with these employers. Additionally, my credit file contains outdated or irrelevant personal identifiers that need to be corrected. 

Unauthorized Inquiries : My credit report contains hard inquiries that I did not authorize, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX others. These inquiries are negatively impacting my XXXX XXXX. 

Disputed Accounts : Several accounts listed on my credit report are inaccurate or unverifiable, including a XXXX XXXX collection account ( associated with XXXX XXXX ), a XXXX XXXX XXXX account, and a XXXXXXXX XXXX loan that was charged off. Despite my attempts to address these discrepancies directly with the credit bureaus, they remain unresolved. 
I have taken steps to dispute these inaccuracies by contacting the credit bureaus, sending formal dispute letters with supporting documentation, and requesting an investigation. However, these entities have either failed to respond appropriately or continued to report inaccurate information, which is a violation of FCRA Section 611 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I noticed several inaccuracies and unauthorized inquiries on my credit report from multiple credit bureaus, which I believe violate the Fair Credit Reporting Act ( FCRA ). These include : Inaccurate Personal Information : Employment details, such as " XXXX XXXX '' and " XXXX XXXX, '' have been listed on my credit file without my authorization. I have no association with these employers. Additionally, my credit file contains outdated or irrelevant personal identifiers that need to be corrected. 

Unauthorized Inquiries : My credit report contains hard inquiries that I did not authorize, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX others. These inquiries are negatively impacting my credit score. 

Disputed Accounts : Several accounts listed on my credit report are inaccurate or unverifiable, including a XXXX XXXX collection account ( associated with XXXX XXXX ), a XXXX XXXX XXXX account, and a XXXXXXXX XXXX loan that was charged off. Despite my attempts to address these discrepancies directly with the credit bureaus, they remain unresolved. 

I have taken steps to dispute these inaccuracies by contacting the credit bureaus, sending formal dispute letters with supporting documentation, and requesting an investigation. However, these entities have either failed to respond appropriately or continued to report inaccurate information, which is a violation of FCRA Section XXXX ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: SC

Complaint narrative:
Subject : Request for Immediate Blocking of Fraudulent Accounts Pursuant to FCRA XXXX XXXX Complaint Details : My name is XXXX XXXX, and I am submitting this complaint regarding fraudulent accounts that have appeared on my credit report due to identity theft. I request that these accounts be blocked under my rights outlined in Section 605B of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 ( a ).

Details of the Issue : I am a victim of a data breach, which resulted in the theft of my Social Security number and other personal information. I became aware of this identity theft after being denied credit by my bank. The fraudulent accounts impacting my credit report are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine, and I have no connection to them. 

Actions Taken : I have submitted a formal dispute with Experian, including : A copy of my government-issued ID and Social Security card for verification.

A copy of my FTC Identity Theft Report.

A copy of my original dispute letter detailing the fraudulent accounts.

Legal Basis for Request : Under FCRA Section 605B, credit reporting agencies are required to block information resulting from identity theft within four business days of receiving the dispute and supporting documentation. Furthermore, 15 U.S. Code 1681c-2 ( a ) mandates the exclusion of fraudulent information from my credit report and communication to furnishers of the fraudulent accounts regarding this action.

Contact Information : Please contact me at [ Your Contact Information ] for any follow-up. I expect prompt resolution as stipulated under the law. 

Supporting Documents : I have attached the following : Copy of my FTC Identity Theft Report Copy of my government-issued ID and Social Security XXXX XXXX dispute letter Thank you for your attention to this matter. 

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 2024-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Deceptive Misrepresentation of ADVERTISEMENT- FRAUDULENTLY CHANGED PRICE ON FINANCE CONTRACT AFTER SIGING Dealership Fraudulently changing finance contract XXXX XXXX I wanted to return the purchased vehicle immediately, next day XX/XX/XXXX Traveled from PA to XXXX XXXX located in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for advertised online purchase price {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX financing contract the financing contract was FRAUDULENTLY changed increasing purchase price of vehicle over {$10000.00}. XXXX FRAUDULENTLY added ADDITIONAL add-ons after signing in the amount over {$8000.00}. Total fraudulent charges {$28000.00} dollars. XXXX as well violated consumer right of choice for financing. They placed the financing as by here pay here. WE CLEARLY ADVISED ON XX/XX/XXXX during transaction we DID NOT WANT THIS. On XX/XX/XXXX at approximately XXXX est, in less than XXXX hrs of vehicle purchase contacted a representative at XXXX XXXX I ADVISED THE VEHICLEs IMMEDIATE XXXX XXXX XXXX XXXX XXXX 


XX/XX/XXXX Received calls and text message from phone number XXXX Spoke with XXXX XXXX XXXX XXXX XXXX, however display name on my phone XXXX XXXX Please see attached correspondence Recordings available. 

XX/XX/XXXX Sent text message to XXXX XXXX. See attached. Does not remember conversation and notification of being recorded. 
During call XXXX XXXX advised us he was calling from his personal phone and instead of reaching out to sources such as CFPB or Ally Bank to refer correspondence to him directly. 
Additionally adding the below : During transaction of vehicle dealership sent web credit application via personal cell phone number. I advised I wanted some type of confirmation of XXXX destroyed or removed from representatives personal phone. 

XXXX XXXX agreed on recording to remove add ons described in resolution section of complaint Recordings from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Call was dropped by XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX est - XXXX minutes XXXX seconds XX/XX/XXXX Sent text message to XXXX XXXX XXXX See attached. Does not remember conversation and notification of being recorded. 
During call XXXX XXXX advised us he was calling from his personal phone and instead of reaching out to sources such as CFPB or Ally Bank to refer correspondence to him directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Subject : XXXX XXXX and XXXX Violations, Request for Return of Belongings, Full Refund of Payments, and Legal Investigation XXXX XXXX XXXX XXXX Dear Ally Financial, I am writing to formally submit a complaint regarding the repossession of my XXXX XXXX XXXX XXXX, and to request immediate action. I believe that both Ally Financial and the dealership are responsible for multiple violations, including violations of the XXXX XXXX and the Truth in Lending Act ( TILA ), as well as improper handling of the repossession and theft of my personal belongings. 

XXXX XXXX Violations and TILA Concerns : Within XXXX weeks of purchasing the vehicle, I notified the dealership that the vehicle was defective and identified it as a lemon. Despite this notification, I received no follow-up or resolution, leaving me feeling helpless and vulnerable. Additionally, I am concerned that the terms of the financing, particularly the high-interest rate, XXXX violate the Truth in Lending Act ( XXXX ), warranting a review of the financial practices surrounding this loan. 

Repossession of Vehicle and Theft of Belongings : My vehicle was repossessed at night, and I have serious concerns about the legality of this repossession. As the lender, it is Ally Financials responsibility to provide evidence that the repossession was legal and conducted in compliance with all relevant laws. Since the repossession occurred at night, I request that you provide clear proof showing that all legal requirements were met.

Furthermore, my personal belongings were left in the vehicle at the time of repossession. I have made multiple attempts to contact the repossession company regarding the return of my property, but I have not received any information. I demand the immediate return of all my belongings.

Request for Immediate Action : Given these issues, I am requesting the following : 1. Immediate return of all personal belongings left in the vehicle at the time of repossession.

2. A full refund of all payments made on the vehicle, including down payments, monthly payments, and any fees paid to Ally Financial, plus interest.

3. A formal investigation into the legality of the repossession, including evidence showing compliance with the law, particularly regarding the nighttime repossession.

4. A review of the vehicles defects under Lemon Law and acknowledgment of Ally Financials responsibility for the defective vehicle and potentially unfair financing terms under TILA.

Next Steps : If this matter is not resolved promptly, I will escalate my complaint to the Attorney Generals office, the Consumer Financial Protection Bureau ( CFPB ), and other appropriate authorities. I am also prepared to pursue legal action to hold both Ally Financial and the dealership accountable for their actions. 

I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: EQUIFAX, INC.
State: MD

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.

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 2024-12-14 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: NC

Complaint narrative:
This morning, I was shocked to find inaccurate accounts appearing on my credit report, and I cant figure out how or why this happened. Ive been checking my credit report regularly, and everything was fine before, but now, discrepancies have suddenly shown up. I even tried refreshing my browser, hoping it was a glitch, but that didnt fix anything. These inaccurate accounts stayed there no matter what I did. Im begging for the documents Ive sent to be reviewed carefully so I can stop living in fear and uncertainty over this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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/updated. 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 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days 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!

Company response to consumer: Closed with non-monetary relief