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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear XXXX, I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 

I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within XXXX days, as required by law. 

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : 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 2024-12-12 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-12 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: IL

Complaint narrative:
To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX {$2700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$2800.00} XXXX XXXX {$16000.00}

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 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bankers Auto Acceptance
State: CA

Complaint narrative:
Time Finance is a predatory company, who call you and threatens to reposes and take you to small claims court to get you and get people to pay them money you dont owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
hey there, Recently i been going over my contract with CREDIT ACCEPTANCE after my repossesion and notice that my contract was not a fair deal as a whole. My car loan started on XXXX XXXX and repossessed on XX/XX/XXXX. They are still saying that i owe a balance of {$13000.00} after roughly 2 years of payments. 
I am absolutely positive that i am a victim of CREDIT ACCEPTANCE trap for Hiding Auto Loan Costs, Setting Borrowers Up to Fail. On XX/XX/XXXX, the Bureau and New York Attorney General XXXX XXXX filed a joint lawsuit in the United States District Court. I would like to know if i am still eligible to participate in this settlement. I would like to receive monetary compensation and for credit acceptance to delete these accounts from all 3 of my credit reports for damages to my credit score and repossession which resulted in me having to reconstruct my transportation arrangements. If this is not possible i will definitely look to getting a lawyer to look over my contract and investigate.

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 2024-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I was sent a letter from my loan servicer Mohela saying that interest was being accrued during my forbearance due to the injunction of the SAVE plan by the federal court system. It specifically said on the federal student aid website that when our loans associated with the SAVE plan that were federal put into forbearance that interest WOULD NOT ACCRUE during this forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-12-12 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
I attempted to purchase a home from this company XXXX XXXX. The loan was denied and an adverse action letter was sent out. I sent the letter and informed them the transaction was closed. The company XXXX XXXX did not refund the XXXX money. I disputed the transaction and the M & T bank then had me indorse a Claim form. 

According to the rules, there is a fifty ( {$50.00} ) dollar fee that a consumer is liable for on any transaction that they have tried in good faith to work out with a merchant. M & T bank has not dispersed the balance of ( {$5000.00} - {$50.00} = {$4900.00} ) XXXX XXXX XXXX XXXX XXXX  XXXX dollars. 

All real estate contracts contain a financing contingency clause because of Regulation Z. 
Which is information the bank should be aware of and the second all transactions with XXXX contain a clause for where the card is used as a XXXX  and the good faith clause is applied. 

They have taken money twice I believe in this transaction and the claim form also contains a LEI number and a FRB bar code so I am positive the funds were dispersed.

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 2024-12-12 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have account with Bank of America so long time and I deposited my money almost {$20000.00} XXXX and all of a sudden I lost that money I dont know what happened and who transferred to the my bank and I went I ask them they are not giving a good response to me And I need my money back they are charging a lot of money to me I dont know I went there why you are charging to me every month what is going on and then they said there is no money thats what charging whats going on with me I couldnt understand and all of a sudden I have to go to the XXXX because my dad was XXXX XXXX XXXX XXXX XXXX then I went XXXX while I came back I gave that complaint to the bank of America but they dont care about me and my money please help me

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 2024-12-12 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-12 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: IN

Complaint narrative:
Information on my credit is wrong and should be fixed immediately

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 2024-12-12 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
My credit report contains incorrect personal information, which has led to the appearance of unknown and inaccurate accounts. As a victim of identity theft, my personal information was used fraudulently, and now I see accounts on my credit report that I have no connection to. Following the major credit bureaus ' guidance, I filed an FTC Identity Theft Report and submitted it, along with all necessary documentation. Despite these efforts, these fraudulent items remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
-- - Incident Description On XX/XX/XXXX, I encountered an issue concerning my credit account with Equifax Information Services LLC regarding the protection and sharing of my nonpublic personal information. The company 's actions appear to violate the customer privacy protections stipulated under 15 U.S. Code 6802. 

Contact Information : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Az XXXX XXXX Details of the Event - Date of Incident : XX/XX/XXXX - Involved Parties : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX  XXXX- Description of Actions Taken by You : - On XX/XX/XXXX, I contacted customer service, sent an email, and filed a dispute. 
- I requested the company address the following : - Notice Requirement : The company failed to provide a clear, conspicuous notice explaining their policies on collecting and sharing consumer personal information. 
- Opt-Out Right : I was not informed about my right to opt-out of having my personal information shared with non-affiliated third parties. 

Consequences As a result of the company 's actions, I experienced a significant financial loss, impacting my overall financial stability. Additionally, my credit score was adversely affected due to unauthorized transactions, leading to increased stress and concern over my financial security. This situation caused great frustration and anxiety, as I had to spend considerable time and resources addressing the unauthorized activity and restoring my credit standing. 

Conclusion and Request I urge you to address this matter promptly. To resolve the issue, I would like the company to take the following actions : 1. Correct Information : Immediately correct any inaccuracies in my personal and financial records that may have resulted from their oversight.

2. Provide Compensation : Offer fair compensation for the financial loss I incurred, as well as any additional expenses related to restoring my credit score and dealing with the fallout from the breach.

3. Ensure Compliance : Implement robust measures to ensure full compliance with 15 U.S. Code 6802 and other relevant privacy laws. This includes updating policies and practices to prevent future breaches and adequately protecting consumer information. 

Please treat this matter with the urgency it deserves to restore trust and ensure the privacy and security of all consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
-- - Incident Description On XX/XX/XXXX, I encountered an issue concerning my credit account with XXXX XXXX XXXX XXXX regarding the protection and sharing of my nonpublic personal information. The company 's actions appear to violate the customer privacy protections stipulated under 15 U.S. Code 6802. 

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX Details of the Event - Date of Incident : XX/XX/XXXX - Involved Parties : XXXX XXXX XXXX  XXXX XXXX Experian XXXX XXXX XXXX  XXXX- Description of Actions Taken by You : - On XX/XX/XXXX, I contacted customer service, sent an email, and filed a dispute. 
- I requested the company address the following : - Notice Requirement : The company failed to provide a clear, conspicuous notice explaining their policies on collecting and sharing consumer personal information. 
- Opt-Out Right : I was not informed about my right to opt-out of having my personal information shared with non-affiliated third parties.

Consequences As a result of the company 's actions, I experienced a significant financial loss, impacting my overall financial stability. Additionally, my credit score was adversely affected due to unauthorized transactions, leading to increased stress and concern over my financial security. This situation caused great frustration and anxiety, as I had to spend considerable time and resources addressing the unauthorized activity and restoring my credit standing. 

Conclusion and Request I urge you to address this matter promptly. To resolve the issue, I would like the company to take the following actions : 1. Correct Information : Immediately correct any inaccuracies in my personal and financial records that may have resulted from their oversight.

2. Provide Compensation : Offer fair compensation for the financial loss I incurred, as well as any additional expenses related to restoring my credit score and dealing with the fallout from the breach. 

3. Ensure Compliance : Implement robust measures to ensure full compliance with 15 U.S. Code 6802 and other relevant privacy laws. This includes updating policies and practices to prevent future breaches and adequately protecting consumer information. 

Please treat this matter with the urgency it deserves to restore trust and ensure the privacy and security of all consumers.

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 2024-12-12 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: SC

Complaint narrative:
I reviewed my consumer report and previously informed your agency on XX/XX/year> about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.

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 2024-12-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
An identity thief managed to purchase roofing material and also installed an air conditioner system. The amount for the work was for the amount of {$35000.00}. I have contacted the company GoodLeap on multiple times that the account was fraudulent. The company ( GoodLeap ) sent out an agent to inspect my roof and the air conditioner. The agent determined that both the roof and the air conditioner were old and had no signs of recently installed. the agent said he would notify ( GoodLeap ) of the condition of the roof and the air conditioner. I had notified all three credit bureaus and had investigated and had removed GoodLeap and XXXX XXXX XXXX XXXX. From my credit report. I just discovered that GoodLeap again reported the fraudulent account to my credit report for the sum of {$37000.00}. I asked the lending institution ( GoodLeap ) to provide all records relating to the fraudulent [ transaction/account ], including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account and to provide them to me and to the XXXX Police Department where I filed a ID theft report XXXX to this date i have not received the documents requested. XXXX XXXX ( GoodLeap ) Client Support Manager ( XXXX ) XXXX

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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