vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX C/o XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Chase Auto Receivables LLCXXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX Subject : Update Request for Discharged Debt ( Account Number : XXXX ) I hope this letter finds you well. As a securities transfer agent, I understand the importance of maintaining accurate records for discharged debts. I assure you of my commitment to provide any necessary documentation or information required for the proper handling of this transaction.

I am writing to inform you that the necessary documentation for the discharge of debt, specifically Form 1099C, has been submitted in accordance with the requirements outlined by the Internal Revenue Service ( IRS ). 

I kindly request that you take the necessary steps to update all records associated with the discharged debt indicated by the aforementioned 1099C form. This includes updating internal records and informing any relevant third-party credit bureaus about the discharged status of this debt. 

It is crucial for the accuracy of my financial records and credit profile that this information is promptly updated. I trust that Chase Auto Receivables LLC will ensure the proper handling of this matter. 

Should you require any further documentation or clarification regarding this request, please do not hesitate to contact me via email at XXXX. 

Thank you for your attention to this matter. Your prompt action in updating the records is greatly appreciated. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: SC

Complaint narrative:
My car was repossessed on XX/XX/23 the same day I made the payment in full. Because both happened on the same day the company said they would remove the repossession fee. After calling for months and being told it was being removed Im now being told it will remain on the loan and is pushed to the end of the loan and it cant and wont be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
My wife and I transferred {$270000.00} to Fifth Third Bank for deposit into checking/money market accounts on XX/XX/XXXX. This was part of the process to take a {>= $1,000,000} mortgage with their lending department that closed on XX/XX/XXXX. 

On XX/XX/XXXX, my online banking stopped working. Over the course of XXXX XXXX XXXX XXXX XXXX I was transferred to different departments and finally the their Fraud Department. They said that in XXXX someone had committed fraud using my social security number. I commented that this was not me and that I was made aware of an attempted identity theft in XXXX and was unsure if this was related. I filed a dispute while I was on the phone. 

Between XX/XX/XXXX and XXXX, Fifth Third froze all of our accounts. On XX/XX/XXXX, I received a message that my contact information has been changed ( this was not initiated by me ) and that I should call customer service immediately. My wife went into a branch and was informed our contact information was changed, but we'd need to talk to the Fraud department during weekday hours to find out what changes were made and by whom. Super scary for us to not know what's going on with our accounts.

So, after having our deposits for XXXX XXXX XXXX and funding our mortgage loan, Fifth Third has frozen our accounts and I can't get any information as to how to remove my deposits from my account, nor can I see that the funds even exist there anymore.

Fifth Third Fraud department indicated that they have me flagged as someone " not to do business with, '' related the the fraudulent activity committed in XXXX by someone else who stole my identity. However, I can not get access to view or remove my funds from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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 recently reviewed a copy of my credit report, and noticed I had fraudulent activity.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$980.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$730.00} XX/XX/XXXX XXXX  XXXX XXXX {$710.00} XXXXXXXX XXXX XXXX XXXXXXXX  XXXX {$630.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 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 ) ( 1 ) A person shall not furnish any information relating to a 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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX {$1000.00} XXXX -- XXXX XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$730.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$710.00} XXXX XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I got a request from my XXXX friends name to transfer XXXX INR/ {$190.00} for a medical emergency. It was early morning and dint pay really attention as my friend seeking help for medical emergency. I transfered money using wise app to his XXXX account. Kindly help me with refund

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Pursuing fair and accurate credit reporting. 
The top XXXX credit reporting agencies are providing unfair, inaccurate creditworthiness to lenders. I have been denied credit XXXX time lately based on the credit report they received from Experian. I requested copies of my credit report from Experian, XXXX, and XXXX. The reports all align. 

The lenders rely heavily on the score/grade. They pay these companies to provide a fair and accurate of creditworthiness. After being denied, when you request a copy of the credit report provided to the lender it should include the score/grade because that is what the lender uses in whole or in part to make their decision. This would represent full transparency in providing information. 

This could be age discrimination. When younger and you have a low score because you have no credit you are approved for credit. When older with credit history and a low score without anything negative on your report you are denied credit. The reasons for denial were : insufficient credit history ( which was not true ) and we used your credit score in our decision. Both of these reasons show that the reporting agencies are not providing true and accurate creditworthiness reporting.

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 2024-03-11 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst 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 non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I wish to add a short statement to my credit file explaining information that your reinvestigation failed to resolve to my satisfaction. For your convenience, l 've quoted the specific paragraph from the FCRA that gives me the right to add this statement to my credit file : Section 611b. Statement of Dispute : " If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute. '' Therefore, in reference to the following line item :

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 2024-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: IA

Complaint narrative:
I bought a XXXX XXXX XXXX XX/XX/XXXX for which I believed to be only XXXX XXXX I go to look at my XXXX XXXX it say XXXX XXXX but when I go to credit acceptance it say XXXX XXXX which extremely high for a used car that I found out is only worth maybe XXXX XXXX, I've asked about lowering the payment no good, the car lot told me I would only be paying the XXXX XXXX but that's not the case and for XXXX months at XXXX dollars a month

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 2024-03-09 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX  ) XXXX  Account # XXXX has violated my rights. 

15 USC 1681 section 602 A. States I Have The Right Of Privacy.

15 USC 1681 section 604 A. section 2 : It also states a customer reporting agency can not furnish a account without my written instructions

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 2024-03-09 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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I have an account in collections that is not mine. 
It is through sunrise credit services and originated from at XXXX XXXX. It was opened on XX/XX/2023 and is the amount of {$1200.00}. This was at an address I have never lived at

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 2024-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: MD

Complaint narrative:
My brother used my information to obtain a car loan without my consent or knowledge. I reached out to the company to rectify this issue and remove my name from the loan with no resolution.

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 2024-03-09 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: FL

Complaint narrative:
see attached To Whom It May Concern, I received a copy of my credit report and found the following items to be errors. 
Here as follows are items in error : XXXX XXXX : This account doesnt belong to me/Account was sold to third party collection agency XXXX : I disputed this account and nothing was sent to me to legally verify this account. 

I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. 
Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX along with an online public press release, including documentation of any potential small claims action. 
* Please remove all non-account holding inquiries over 30 days old. 

Thank you for your cooperation in this matter, 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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Pursuing fair and accurate credit reporting. 
The top XXXX credit reporting agencies are providing unfair, inaccurate creditworthiness to lenders. I have been denied credit XXXX time lately based on the credit report they received from XXXX. I requested copies of my credit report from XXXX, XXXX, and TransUnion. The reports all align. 

The lenders rely heavily on the score/grade. They pay these companies to provide a fair and accurate of creditworthiness. After being denied, when you request a copy of the credit report provided to the lender it should include the score/grade because that is what the lender uses in whole or in part to make their decision. This would represent full transparency in providing information. 

This could be XXXX XXXX When younger and you have a low score because you have no credit you are approved for credit. When older with credit history and a low score without anything negative on your report you are denied credit. The reasons for denial were : insufficient credit history ( which was not true ) and we used your credit score in our decision. Both of these reasons show that the reporting agencies are not providing true and accurate creditworthiness reporting.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Pursuing fair and accurate credit reporting. 
The top XXXX credit reporting agencies are providing unfair, inaccurate creditworthiness to lenders. I have been denied credit XXXX time lately based on the credit report they received from XXXX. I requested copies of my credit report from XXXX, Equifax, and XXXX. The reports all align. 

The lenders rely heavily on the score/grade. They pay these companies to provide a fair and accurate of creditworthiness. After being denied, when you request a copy of the credit report provided to the lender it should include the score/grade because that is what the lender uses in whole or in part to make their decision. This would represent full transparency in providing information. 

This could be XXXX XXXX. When younger and you have a low score because you have no credit you are approved for credit. When older with credit history and a low score without anything negative on your report you are denied credit. The reasons for denial were : insufficient credit history ( which was not true ) and we used your credit score in our decision. Both of these reasons show that the reporting agencies are not providing true and accurate creditworthiness reporting.

Company response to consumer: Closed with explanation