vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I am filing a formal complaint against American Credit Acceptance ( ACA ) regarding my auto loan for a XXXX XXXX XXXX ( Account No. XXXX ), co-signed by my ex-wife, XXXX XXXX, and myself. Despite being the primary borrower, ACA has failed to communicate critical actions affecting this loan, severely impacting my financial health and credit score. 

Key Issues : Unauthorized Loan Reinstatement : In XX/XX/XXXX, I voluntarily surrendered the vehicle to ACA due to the loan being significantly upside down. At an unknown point, ACA allowed my ex-wife to redeem the vehicle without my knowledge or consent, violating my rights as the primary borrower. At no point was I informed, nor did I provide consent, for the loan to be reinstated. I was not given the opportunity to decline responsibility for the loan after surrendering the vehicle.

Lack of Communication and Access : ACA has denied me access to the online account and any account information, despite multiple requests. Attempts to obtain statements, redemption details, and explanations have been ignored or denied. ACA sent police report forms without clear instructions or justification, which appears to be a stalling tactic. ACAs refusal to provide me with critical account information and its failure to notify me of significant actions related to the loan represent a violation of my consumer rights to transparency and fair treatment. As the primary borrower, I was entitled to clear, timely communication regarding the status of the loan and vehicle. 

Negative Impact on Credit Score : My ex-wife has missed payments on the loan, causing significant damage to my credit score. The ongoing financial instability caused by ACAs failure to properly communicate and resolve this issue has resulted in significant emotional and financial distress, further impacting my ability to secure necessary financial services, including another vehicle loan. 

Attempts to Resolve : On XX/XX/XXXX, I sent an urgent email to ACA requesting immediate repossession of the vehicle and expressing concerns about unauthorized payments. Despite multiple follow-up emails and phone calls, I received no satisfactory response. Instead, ACA sent me police report forms without clear instructions on how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. AFFIRM INC Account # XXXX, ( Original Creditor : XXXX XXXX XXXX ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by AFFIRM INC Account # XXXX, ( Original Creditor : XXXX XXXX XXXX ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: VA

Complaint narrative:
I want these addresses removed. These following addresses are listed, and I have never lived at these addresses. I want them removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX address ID : 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 2024-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Meta Payments Inc.
State: PA

Complaint narrative:
Hello, thank you for your time in investigating this. 

I am contacting the CFPB as an attempt to get some communication from XXXX or Meta. As it stands right now, there is no way to contact customer service and actually speak with a human being. I have tried all their forms online and email addresses I could find to no avail. They do not have any way to chat or call customer service, instead using a " help center '' where all the links take you in a circle. Additionally, they do not have a public form to file an appeal. If a real human being is reading this, then I thank you, as you have already done more for me than the company itself. 

The situation : In XX/XX/2024, I signed up for meta verified which is a paid monthly subscription for information protection, impersonation protection and many other value added services for my pet dog account but that account was just taken down abruptly overnight after 2 weeks, and I can not seem to reach out to anyone there for help. Why would a company take down an innocent little dog account? It baffles me beyond words. I am a paying consumer of Meta 's service and they violated consumer protection statues - Basically by going missing/ unresponsive. I believe this is happening to many other citizens as well ( probably not the first complaint you heard ). 

I have tried to ask for my information or data back ( in light of personal info protection laws ) instead as well, as an alternative, but that doesn't seem to work as well. 

Its causing me huge emotional distress because my pet account has memories of my dog from growing up stages till now and its my XXXX XXXX XXXX As someone who is already suffering from XXXX XXXX  this really has a significant negative impact on my life. 

I have tried endlessly to use the help centre to no avail, no one seemed to want to help and I have emailed several times about it and get the same canned responses. I am at my wits end hence have to file a complaint here. 
Despite following all the suggested protocols and guidelines, my issue remains unresolved. 

I hope you can forward my details to them, I am willing to cooperate and send any information helpful to this case. 

Thank you once again for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: 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 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 2024-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The Capital One card Account XXXX was opened in XXXX of XXXX. The account was closed with a balance of {$650.00} as of XX/XX/XXXX. My wallet was lost when I was in the hospital healing from a brain aneurism. I was in a XXXX  for XXXX months and was recovering for XXXX months. I suffered a XXXX as well. I will provide the police report and the last communication with Capital One. Their was no way possible I could have taken this card out on my own. I even offered Capital One XXXX to remove the debt from the four credit bureaus. They agreed but were not transparent of what my credit would look like and how it would be repaired. Would the repaired reports read paid as agreed or be taken off the records completely. They never got back to me with an answer. In the police report provided I offered to send proof that I was in the hospital in the form of my medical records. Recently XXXX hospital was breached with a massive loss of patients data. Just last week one of the three credit bureaus was breached as well. I received a phone call from a man asking for XXXX dollars to remove my personal information from the world wide web. He gave me my social security number and date of birth right over the phone. Ask Capital One to take the XXXX to fix my account. Other the the offer of XXXX I will have no other choice to hire an attorney to get this rectified. I have contacted the federal trade and filed a complaint with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc
State: CA

Complaint narrative:
Company Name : Hunter Warfied Account Number : XXXX Address : XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX To : Whom It May Concern On XX/XX/XXXX, I was looking at my experian account to get an update credit score and noticed Hunter Warfied representing XXXX XXXX Apartments for the amout of {$1200.00}. I believe I have been charge extra due to my race, in XXXX. I left the XXXX XXXX XXXX due to the fact I got into a horrible car accident and lost my job. I moved out of my apartment before receiving an eviction notice for not paying {$600.00}. Also, before my car accident I requested for maintenance to come to my apartment and prepare my carpet in the master bedroom. It was unanswered for about 2 month and now I believe they are adding cleaning charges to my remainder balance. Since moving out of the apartment I have been homeless since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX, PA, 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 2024-09-27 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: ME

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 2024-09-27 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: ME

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 2024-09-27 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:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XX/XX/XXXXaccording to XX/XX/XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: VA

Complaint narrative:
please delete the following accounts and inquires now 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I disputed a transaction of {$980.00} with Bank Of America and gave them a fax of XXXX cancel my order and they are refusing to credit my 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 monetary relief
Consumer complaint received 2024-09-27 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: CA

Complaint narrative:
I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 

XXXX XXXX XXXX, XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-09-27 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: MN

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 non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : CITICARDS CBNA XXXX and CITICARDS CBNA 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