vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: TX

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 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 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Second complaint regarding Citi 's practice of not crediting payments. I made a payment through Citi 's website -- - They took the money out of my checking account and placed a hold on the payment. The payment was made on XX/XX/year>, and my balance will be available on XX/XX/XXXX. I have called Citi to find the best way to make a payment. They were not helpful.

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 2024-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
Multiple disputes have been filed with all credit bureaus. Each dispute has come back showing that the debt is valid and my reporting unchanged. 
After requesting validity of the debt, the debt collector responded with paperwork showing this is NOT my debt and belongs to another person with a similar name, but not the same middle name. Also information is showing this references an address that I have never occupied or have or had any association with my person at any time. 
I have requested multiple times for this information to stop being reported under the incorrect person and show validity that they have been unable to provide. 
I was sent medical information that is NOT mine, violating XXXX laws giving me someone else 's medical information as well as I have paperwork documenting that I have NOT authorized anyone to give out or receive any medical information relating to my personal files.

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 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Ally Bank Auto loan- during Covid- they offered a deferment. I did a 3 month deferment. During that time, Ally stated that finance charges *may accrue. 

Now at the end of my loan ( 3 months of payments after the original expiration due to the deferred payments ), multiple things have happened. 

First, in XXXX, my account showed 2 payments left, even though there was more than a XXXX balance. I called to find out why- the associate told me there was a balloon payment FROM THE DEALER for {$4600.00} due in XXXX. 

I paid my XXXX payment, and my account showed that balance due. As I was trying to figure out how to pay it, I found my contract and there was no balloon payment in the contract. 

I called back and spoke with a manager- the manager stated that for a period of 5 months after the 3 month deferment, there was no payments made to principal, just 'back interest ' and there was a balloon payment due of {$4600.00} in XXXX. 

Then during this time frame- an additional regular payment was added to my account with the balloon payment now due in XXXX. 

Called back and talked to a manager who could not explain why my account in XXXX showed the balloon payment due in XXXX, but now another month payment was added. 

She also stated that the balloon payment was due to no principal paid for that additional 5 month time frame. When I stated that was illegal -- that you can not defer my payments, have me pay those payments, then add capital as well to the end of the loan, she stated that a different department would have to look into it. I stated that per Ally 's own statements that they could have finance charges due, but those would only be a few XXXX dollars, not nearly XXXX. 

She stated the case would be done in 24-48 hours. There was no call back for 3 days. Upon calling back again, now they tell me that it's 7-10 business days, which brings me to when my next payment is due. 

The managers I have spoken to have told me different things about everything from what the balance is, to when it's due, to how long a case is. Nothing is getting done. 

I am ok paying any accrued finance charges from the deferment from the end of the loan, but it is not {$4600.00}, and no one can tell me how that number came to be -- other than " you owe unpaid principal '' due to the deferment -- which I paid the 3 months after the loan was originally due to expire- so I paid that capital. 

I need help ASAP- Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureau equifax requested identity documents from me via mail. I provided the correct documentation back to them on XX/XX/year>. Almost 2 weeks later my equifax profile hasnt been updated or reflecting the documents I mailed in, causing me not to see updated scores and reports. Ive reached via phone and have been told they have not received any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries listed on my credit report. These inquiries were not initiated, approved, or consented to by me, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



The inquiries in question are as follows : 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

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 2024-12-31 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: MA

Complaint narrative:
To Whom It May Concern : I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on 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 2024-12-31 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: MA

Complaint narrative:
To Whom It May Concern : I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
The Debtor is Synchrony Bank, and the Collection Agency is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Their phone number is : XXXX. 

I have just been served with the SECOND Summons asking that I respond to their suit on behalf of Synchrony Bank. 

Mind you this is NOT a notice to appear, but rather a request to accept or deny the debt, and explain why I can not pay it. 

I have already written directly to Synchrony Bank, as well as responded to the first summons, where I indicated that yes, the debt is mine, but since illness has robbed me of my ability to work, I now have to survive solely on my Social Security. 

I explained that I have NO SAVINGS. 

Each time I have to respond to these things, it costs me XXXX that I do not have. 

I called the law firm, and tried to explain, and all I got was a clerk spewing legalese. When I asked her why they keep issuing summonses for the same information, her response was that they would continue to do so until I paid the debt. 

I confess that I got quite angry at this, because, as I already had explained, I CAN NOT PAY IT!!! 

I am mailing a CEASE AND DESIST LETTER today. 

Can they continue to harrass me this way/

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is not my account. I have no knowledge of this account. 15 USC 1681b. I have never submitted any application or personal identification to create this account. 
XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX 


Account number 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 2024-12-31 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: GA

Complaint narrative:
Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Update of Credit File Resolution of Collection Account Dear Experian, XXXX, and XXXX, I am writing to request an update to my credit file following the resolution of a dispute related to a collection account. On XX/XX/XXXX, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding collection activities conducted by XXXX XXXX XXXX XXXX XXXX ( XXXX ). My CFPB case number is XXXX. 

As of XX/XX/XXXX, XXXX has confirmed that they have ceased all collection activities related to this account and have taken measures to ensure no further communications. They have also submitted the matter to the original creditor for review. Please find attached copies of my CFPB complaint and the companys response for your reference. 

Given this resolution, I kindly request that you review and update my credit file to reflect the current status of the account. Specifically, I ask that any references to this collection account be either corrected or removed if no longer valid. Ensuring accurate information in my credit report is critical for maintaining my financial integrity. 

Documents Attached : Copy of CFPB complaint and case details. 
Copy of the companys response confirming resolution. 
A copy of my government-issued ID for verification purposes. 
A recent utility bill or bank statement as proof of address. 
Please confirm once these updates have been completed or notify me if you require any additional information to process this request. You may reach me by phone at [ your phone number ] or via email at [ your email address ]. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the requested updates. 

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 2024-12-31 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Update of Credit File Resolution of Collection Account Dear XXXX, XXXX, and TransUnion, I am writing to request an update to my credit file following the resolution of a dispute related to a collection account. On XX/XX/XXXX, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding collection activities conducted by XXXX XXXX XXXX XXXX XXXX ( XXXX ). My CFPB case number is XXXX. 

As of XX/XX/XXXX, XXXX has confirmed that they have ceased all collection activities related to this account and have taken measures to ensure no further communications. They have also submitted the matter to the original creditor for review. Please find attached copies of my CFPB complaint and the companys response for your reference. 

Given this resolution, I kindly request that you review and update my credit file to reflect the current status of the account. Specifically, I ask that any references to this collection account be either corrected or removed if no longer valid. Ensuring accurate information in my credit report is critical for maintaining my financial integrity. 

Documents Attached : Copy of CFPB complaint and case details. 
Copy of the companys response confirming resolution. 
A copy of my government-issued ID for verification purposes. 
A recent utility bill or bank statement as proof of address. 
Please confirm once these updates have been completed or notify me if you require any additional information to process this request. You may reach me by phone at [ your phone number ] or via email at [ your email address ]. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the requested updates. 

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 2024-12-31 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Update of Credit File Resolution of Collection Account Dear XXXX, Equifax, and XXXX, I am writing to request an update to my credit file following the resolution of a dispute related to a collection account. On XX/XX/XXXX, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding collection activities conducted by XXXX XXXX XXXX XXXX XXXX ( XXXX ). My CFPB case number is XXXX. 

As of XX/XX/XXXX, XXXX has confirmed that they have ceased all collection activities related to this account and have taken measures to ensure no further communications. They have also submitted the matter to the original creditor for review. Please find attached copies of my CFPB complaint and the companys response for your reference. 

Given this resolution, I kindly request that you review and update my credit file to reflect the current status of the account. Specifically, I ask that any references to this collection account be either corrected or removed if no longer valid. Ensuring accurate information in my credit report is critical for maintaining my financial integrity. 

Documents Attached : Copy of CFPB complaint and case details. 
Copy of the companys response confirming resolution. 
A copy of my government-issued ID for verification purposes. 
A recent utility bill or bank statement as proof of address. 
Please confirm once these updates have been completed or notify me if you require any additional information to process this request. You may reach me by phone at [ your phone number ] or via email at [ your email address ]. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the requested updates. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST FINANCIAL BANCORP
State: OH

Complaint narrative:
Upon reviewing my credit report, I discovered a creditor listed that I do not recognize and have no record of having an account with. Specifically, I have never opened an account with First Fin Bank. In an effort to clarify this situation, I attempted to contact First Fin Bank by phone, reaching out to XXXX different branches ; however, none were able to locate my information using my Social Security number. Given that I have reached out to all three data breaches and including the headquarters main phone. it raises the possibility that my personal information may have been compromised. I want to emphasize that I have never held an account with First Fin Bank. Consequently, I have been advised to formally dispute this unfamiliar debt and to place a fraud alert on all my credit files to protect myself from potential identity theft. 

I would like to inform you that I was involved in XXXX distinct data breaches occurring in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation