vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: AZ

Complaint narrative:
recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-19 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: FL

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
XX/XX/year> Cashier check XXXX XXXX was issued by XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$4400.00} and mailed to Ally. Check reflected my full account number and name. As of XX/XX/year>, the payment had not applied to my Ally credit card account. I contact XXXX that day and they confirm cashier check cleared funds on XX/XX/year>. They provided a copy of check front and back to me. I then contacted Ally regarding the issue. They show no record of payment and requested that I fax a copy to XXXX. I sent fax on XX/XX/year> and also uploaded using secure document upload on Ally website. As of XX/XX/year> they payment was not resolved and they again asked me to submit front and back of check via fax to XXXX. I resent the original fax and again uploaded using secure document upload on Ally website. They advised for me to call back today XX/XX/year>. This morning I called and requested the call to be sent to supervisor when again I was asked to call back in XX/XX/XXXX. I spoke with XXXX in customer service who requested the resolution team contact me today by phone. As of XXXX MST, I have not received a call and payment still has not been applied to my account. Interest is accruing on the account everyday that they delay. Additionally, I was forced to make payment on account in excess of what it should have been if payment was applied in a timely manner. The check was issued for full balance as of XX/XX/XXXX, XXXX request that the payment to be applied as intended. This is effecting my credit score as well, showing a much higher credit utilization than there actually should be,

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 2024-12-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
Received letter from Radius Global Solutions LLC dated XXXX XXXX. Radius reference number XXXX. They said they are trying to collect a debt from me. From a XXXX XXXX XXXX. account number XXXX. As of XX/XX/year> you owe XXXX. I called them on XX/XX/year> at XXXXXXXX XXXX local time. After I provided them with the reference number, they asked me for the last four numbers of my SSN and date of birth. I refused. I said I dispute this debt because this is not my debt. They said they could not proceed unless I give them this information. I hung up.

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 2024-12-19 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: MS

Complaint narrative:
On XX/XX/year>, I submitted a complaint against XXXX XXXX XXXX XXXX for XXXX reporting of my account on my credit report. Account # XXXX is listed as charged off/ profit loss but is still reporting a balance. On XX/XX/year> the company responded and stated that the debt was not charged off for profit loss, which my credit report clearly shows. At this point I am prepared to sue XXXX XXXX XXXX XXXX for statutory damages for fraud and violation of the FCRA if this account is not deleted from 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 2024-12-19 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: MS

Complaint narrative:
On XX/XX/year>, I submitted a complaint against XXXX XXXX XXXX XXXX for XXXX reporting of my account on my credit report. Account # XXXX is listed as charged off/ profit loss but is still reporting a balance. On XX/XX/year> the company responded and stated that the debt was not charged off for profit loss, which my credit report clearly shows. At this point I am prepared to sue XXXX XXXX XXXX XXXX for statutory damages for fraud and violation of the FCRA if this account is not deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: MS

Complaint narrative:
On XX/XX/year>, I submitted a complaint against XXXX XXXX XXXX XXXX for inaccurate reporting of my account on my credit report. Account # XXXX is listed as charged off/ profit loss but is still reporting a balance. On XX/XX/year> the company responded and stated that the debt was not charged off for profit loss, which my credit report clearly shows. At this point I am prepared to sue XXXX XXXX XXXX XXXX for statutory damages for fraud and violation of the FCRA if this account is not deleted from 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 2024-12-19 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: CT

Complaint narrative:
I am writing to follow up on my previous disputes regarding inaccuracies on my credit report and to highlight discrepancies in reporting among the three credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), I request a thorough reinvestigation of the following accounts to ensure that my credit reports are accurate and consistent across all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: CT

Complaint narrative:
I am writing to follow up on my previous disputes regarding inaccuracies on my credit report and to highlight discrepancies in reporting among the three credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), I request a thorough reinvestigation of the following accounts to ensure that my credit reports are accurate and consistent across all three bureaus.

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 2024-12-19 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: 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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

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 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 ) ( 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-12-19 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:
I am writing to follow up on my previous disputes regarding multiple unauthorized and invalid hard inquiries on my credit report. Despite my earlier communication and the evidence I provided, these inquiries remain unaddressed. This inaction is not only unacceptable but also a clear violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
I recently reviewed a copy from my credit report and noticed i had a fraudulent accounts on my credit report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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:
I am avictim oXXXX XXXX XXXXnd the information listed below on my credit report is a result of that XXXX  : Account Name : XXXXXXXX XXXX  Account Number : XXXX Highest Balance : {$29000.00} Account Name : XXXXXXXX XXXX  Account Number : XXXX Highest Balance : {$35000.00} Account Name : XXXX XXXX Account Number : XXXX Highest Balance : {$480.00} Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Highest Balance : {$530.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$4400.00} Account Name : XXXX  Account Number : XXXX Highest Balance : {$1100.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Highest Balance : {$390.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request. 

Thank you for your prompt attention to this urgent matter

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 2024-12-19 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: GA

Complaint narrative:
My personal information was compromised and i did not authorize the creation of the account listed below 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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal information was compromised and i did not authorize the creation of the account listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 2024-12-19 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: GA

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 2024-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
sent a letter requesting payoff statement, current balance, escrow balance, company refused to send, sent me a grid sheet of HOA fees ; I am not in a HOA ; telephoned company, refused a payoff balance or escrow balance, did inform me of the current balance ; sent another letter requesting payoff balance, escrow balance, and under the Truth in Lending Act mortgage servicers are required to send periodic statements to borrowers including those in XXXX XXXX XXXX unless specific exemptions apply and here they do not ; as a consumer I am entitled to a monthly statement instead this mortgage company is arrogant, refusing to answer and prefers to be nontransparent with these issues, keeping a customer in the dark, to their advantage ; attached is a letter from the mortgage company which did not address what I asked for ; Attached is my recent letter and the company response dated XX/XX/year>, which is no response ;

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 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-19 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: IL

Complaint narrative:
I've been a victim of a data breach and my identity was stolen. I've submitted several request to remove and provided with FTC.GOV 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 2024-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Larry H. Miller Group of Companies
State: IA

Complaint narrative:
So the time of the repossession me and my husband had already split up his name was first on there I don't believe it should be on my credit report as I didn't have the vehicle in my possession although because he had taken a vehicle from me before it was repossessed I had personal belongings in the vehicle that were not sent to me including my mom and dad 's ashes some of my children 's clothes some of my clothing some very important things that are on replaceable because my parents are not deceased and when I contacted them to get my belongings back they had no idea what I was talking about but they were in the vehicle because a friend of mine had seen it being repossessed and everything was in the vehicle cuz she went up to them to talk to them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Marlette Funding, LLC
State: VA

Complaint narrative:
I contacted Best Egg in XX/XX/year> to secure a loan of {$32000.00} to payoff credit card debt. 
I was told by the loan officer that after an initial 6 payment period I would be able to refinance the loan to a single-term loan that would have a lower interest rate and payment structure. The original rate was 31.89 % and the refinanced rate would be around 6-7 %. 

During the original call for the loan, I was promised that the loan could be refinanced to a significantly lower interest rate and it was a simple process. The loan company just wanted 6 months of high interest payment to see that payments would continue. 

I contacted Best Egg to get my loan refinanced but was told that the process is now online-only and was denied refinancing.

Company response to consumer: Closed with explanation