vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/2022 under the account number ( XXXX ), a personal credit card account opened at XXXX on XX/XX/2022 under the account number ( 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 # XXXX 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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
XXXX sold my loans to aidvantage. I received an email stating that they would be going to aidvantage and nothing would change about my loans. Then when the company aidvantage received my loans they suddenly reported that I had missed payments with them and the only reason I found out is because my credit score dropped over 100 points. I am in forbearance and do not graduate until XX/XX/year>24. When I spoke to the first representative at aidvantage she told me that it doesnt matter if I am in forbearance that they are reporting that I am not paying the interest on my loans. I have never even prior to Covid was informed I was suppose to do so and have never paid interest on my loans nor has my credit score ever been affected. She would not help me further and told me every month it would decrease my credit score. I contacted XXXX XXXX University in XXXX, IA where I received my XXXX degree to make sure they reported everything correctly. They told me it showed I was in forbearance. I contacted the financial aid department at XXXX XXXX college in XXXX, IA which I currently attend and they told me everything was reported by all schools that I am enrolled full time and everything should be in forbearance and it should not be showing anything on my credit score as I do not owe anything at this time. I kept calling advantage and they told me they could make a note and they couldnt do anything else. I spoke to a few classmates who took out the same loans and are in forbearance none of them have ever had anything reported while in school on credit reports and have never paid interest. I contacted XXXX  and XXXX and disputed all loans. I have not received any information and my credit score still shows the 100 plus point loss from the report from aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment 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 inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: IN

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2024-09-24 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: TX

Complaint narrative:
By 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. Delete the accounts below : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
As part of closing a real estate sale, the consumer highly relies on us to handle the process of clear the title. In doing so, we need to get written payoff statement to payoff the mortgage XXXX on the property. This ensures the buyer gets a clear title, as the seller is contractually bound to do. Citizens Bank is THE ONLY bank who WILL NOT provide the title company with a written payoff statement. This causes a delay every time, every time! that we are trying to close a consumers home. We send written authorization wherein the consumer is authorizing and requesting to provide the title company with a payoff statement, and they refuse to do so. This is causing harm to the consumers ( buyers and sellers ) with

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
XXXX trying to submit an application while someone is trying to copy my information watching my screen and hacking my ip address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
XX/XX/XXXX. {$15000.00} was transferred from our saving account to our checking account by unknown party. 
XX/XX/XXXX. A bill payee was setup to XXXX XXXX XXXX XXXX. {$14000.00} was paid to this account by unknown party. 
XX/XX/XXXX. I noticed this transaction and called Capital One. They froze my accounts and started a fraud investigation. On that call, Capital one claims the transaction originated from our home IP address. They would not share the specific information with us. 
We had our home internet checked for access and computers checked for viruses and nothing was found. Capital one said they would create new accounts because we were victims of an account take over. 
XX/XX/XXXX. A police report was filed with XXXX XXXX XXXX ( XXXX ) Report number XXXX. XXXX days later we call to check on the fraud investigation and were told there was no illegal access from their end. They didn't create new accounts and we could create them if we wanted to. They have not provided any documentation of the investigate to date. Capital one uses trusted computer access. There is no way for customers to always request multi-factor authorization on on-line accounts. This lack of security for on-line accounts puts our accounts at risk. When we login into our accounts and get authenticated, Capital one is trusting that device which leaves customers vulnerable to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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:
My consumer report contains accounts linked to identity theft that I never authorized with a written signature. I've previously contacted your organization about this issue and now formally request these accounts be promptly blocked and removed from my report. Their presence has caused me significant distress and inaccurately portrays my credit history and obligations. If not properly addressed, I may need to pursue legal action to protect my rights. These fraudulent entries have impeded important financial goals, including home ownership and providing for my family.

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 2024-09-24 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:
My consumer report contains accounts linked to identity theft that I never authorized with a written signature. I've previously contacted your organization about this issue and now formally request these accounts be promptly blocked and removed from my report. Their presence has caused me significant distress and inaccurately portrays my credit history and obligations. If not properly addressed, I may need to pursue legal action to protect my rights. These fraudulent entries have impeded important financial goals, including home ownership and providing for my family.

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 2024-09-24 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: IL

Complaint narrative:
XXXX sold my loans to aidvantage. I received an email stating that they would be going to aidvantage and nothing would change about my loans. Then when the company aidvantage received my loans they suddenly reported that I had missed payments with them and the only reason I found out is because my credit score dropped over XXXX points. I am in forbearance and do not graduate until XX/XX/year>. When I spoke to the first representative at aidvantage she told me that it doesnt matter if I am in forbearance that they are reporting that I am not paying the interest on my loans. I have never even prior to XXXX was informed I was suppose to do so and have never paid interest on my loans nor has my credit score ever been affected. She would not help me further and told me every month it would decrease my credit score. I contacted XXXX XXXXXXXX XXXX in XXXX, IA where I received my XXXX degree to make sure they reported everything correctly. They told me it showed I was in forbearance. I contacted the financial aid department at XXXX XXXX XXXX in XXXX, IA which I currently attend and they told me everything was reported by all schools that I am enrolled full time and everything should be in forbearance and it should not be showing anything on my credit score as I do not owe anything at this time. I kept calling advantage and they told me they could make a note and they couldnt do anything else. I spoke to a few classmates who took out the same loans and are in forbearance none of them have ever had anything reported while in school on credit reports and have never paid interest. I contacted transunion and XXXX and disputed all loans. I have not received any information and my credit score still shows the XXXX plus point loss from the report from aidvantage.

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 2024-09-24 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: IL

Complaint narrative:
XXXX sold my loans to aidvantage. I received an email stating that they would be going to aidvantage and nothing would change about my loans. Then when the company aidvantage received my loans they suddenly reported that I had missed payments with them and the only reason I found out is because my credit score dropped over XXXX points. I am in forbearance and do not graduate until XX/XX/year>. When I spoke to the first representative at aidvantage she told me that it doesnt matter if I am in forbearance that they are reporting that I am not paying the interest on my loans. I have never even prior to XXXX was informed I was suppose to do so and have never paid interest on my loans nor has my credit score ever been affected. She would not help me further and told me every month it would decrease my credit score. I contacted XXXX XXXXXXXX XXXX in XXXX, IA where I received my XXXX degree to make sure they reported everything correctly. They told me it showed I was in forbearance. I contacted the financial aid department at XXXX XXXX XXXX in XXXX, IA which I currently attend and they told me everything was reported by all schools that I am enrolled full time and everything should be in forbearance and it should not be showing anything on my credit score as I do not owe anything at this time. I kept calling advantage and they told me they could make a note and they couldnt do anything else. I spoke to a few classmates who took out the same loans and are in forbearance none of them have ever had anything reported while in school on credit reports and have never paid interest. I contacted transunion and equifax and disputed all loans. I have not received any information and my credit score still shows the XXXX plus point loss from the report from aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my right under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried repeatedly in vain to dispute inaccurate information reflected on my Transunion Credit Report. They first would not allow me access to their site, and now they do not have a functioning dispute resolution process on the site. I will attach screenshots of the non functioning webpages. 

Transunion is not only preventing me an opportunity to dispute inaccuracies but is harming me by continuing to include them. The failure to allow me an opportunity to dispute the inaccuracies I feel is a violation of my privacy rights. I have made repeated attempts to dispute the inaccuracies. 

To me it appears that they are creating an intentional system of obstacles so as to prevent consumers an opportunity to exercise their rights under the FCRA. 

Their false report data and the lack of an opportunity to challenge it has lead to the following damages : 1. denied opportunities for credit which have harmed my ability to pay bills and access credit I was otherwise entitled to be extended.

2. allowed possible identity theft to occur on my name and credit history.

3. violated my rights to privacy in my financial data.

In order to document the websites lack of functionality see the time elapsed in the screenshots, showing how the page for disputes merely remains blank indefinitely, not just a failure to load. Also see attachments denying me access to my own information and the opportunity to dispute/optout.

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 2024-09-24 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: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: TN

Complaint narrative:
I purchased this car in 2020 and was approved for an auto loan through American Credit Acceptance at XXXX in XXXX TN. I was told that the loan was roughly XXXX closer to XXXX and I was shown that amount on my contract. I have been paying this loan since then and although I have missed some payments and had them added to the end of the loan, the balance NEVER moved UNTIL I filed a complaint a few weeks ago. Upon doing so, for the first time in 4 years, my balance went down to roughly XXXX. Now I have addressed this issue before to no avail. I have made a total of XXXX payments ( that is XXXX ) yet I still owe almost the entire amount. It appears that on a previous contract they sent, the total amount said XXXX and THAT WAS NOT THERE when I signed the contract, the document appears to have been tampered with. I would like the CFPB to help me see a breakdown of ALL payments and investigate the quality of the contract. It looks like the total amount of XXXX was written in pencil. I have requested a breakdown and was told that is not possible. 

CFPB- I have noticed that this is not the first time the company has done this, please check your records in NY and see if there are any similarities between that case and this one.

Company response to consumer: Closed with explanation