vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
OK SO HOW MUCH HAS XXXX XXXX  BEEN BREACHED SINCE THE DATE BREACH CUZ ALL THESE ACCOUNT AND I DONT EVEN KNW EXISTED AND I DONT KNW HOW TO COMBAT THIS ALONE Ok dates Im not sure but its been about 5-7 years this is for XXXX XXXX XXXX XXXX Emails Were XXXX XXXX XXXX XXXX so I noticed XXXX sent a bill to my email but with a different address and a different name on the bill and I was like wait what sone were in like Virginia or something like that u KNW couldnt talk to anyone because I did t have the account y number but they were using my info ok and second bank of American account about 2 years ago I was in XXXXXXXX for about 6 Months and in the time when I got out I wanted to open a bank account they told me I couldnt due to an amount owed they never got back to me or give me more information so I stopped trying and XXXXXXXX XXXX I dont even know were this is but when I tried to open an account with them when I found out I had a XXXX XXXX I didnt even KNW were or what it was

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 2025-01-13 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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
I have never been to XXXX XXXX. I just received a debt collection from you guys for {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please update the information on my credit report with TransUnion. My current and correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, yet my report shows the wrong address as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. The " XXXX '' should be removed. Additionally, my employer information is incorrect. The correct employer is XXXX XXXX XXXX, but my report shows other incorrect employee info. Under the FCRA 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy under 15 USC 1571e ( b ). This inaccuracy violates the FCRA accuracy requirements and impacts the integrity of my credit file. I demand my address and employer information be updated to reflect the accurate details. Continued noncompliance may result in liability under 15 USC 1681n and 1681o, including damages of up to {$1000.00} per violation.

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 2025-01-13 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) 5-1002.142 ( b ) ( 7 ) .I am a victim of XXXX XXXX of Debt Bondage and is requesting for all listed accounts to be blocked and deleted from my credit file within four business days, pursuant to Section 605B and 605C of the FCRA laws. The fraudulent information is reporting on my credit file which is held by the 3 major Consumer Reporting Agencies, TransUnion, XXXX, and XXXX. According to Section 605B, and 609 of the FCRA laws, the information must be blocked, removed, and deleted if it is inaccurate due to fraud and identity theft within four business days, and for consumer reporting agencies to clearly and accurately disclose all information in a credit file and verify accuracy of the disputed information. The fraudulent and inaccurate accounts that are requested to be deleted are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The reports also include inaccurate addresses and employers and need to be removed 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 explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: MA

Complaint narrative:
I am not liable for this debt of {$860.00} with XXXX XXXX XXXX Account # XXXX I do not have a contract with XXXX XXXX XXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification.

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 2025-01-13 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:
In XX/XX/XXXX, I was pushed by customer service at MOHELA to switch to the XXXX plan. I submitted an application to do so in XX/XX/XXXX, but that application shows on the website as never processed. However, when the court injunction was issued I was placed in the XXXX forbearance meaning that this time does not count towards my XXXX  qualifying months. I am currently only XXXX months away from XXXX relief, or should be if these months are counted. On XX/XX/XXXX I submitted an application to switch to a different in income based repayment plan in order to get out of the forbearance and continue qualifying payments. By MOHELAs rules when this was submitted, I should have been switched to an administrative forbearance which would count towards XXXX. I called on XX/XX/XXXX, and was told that I was still in the XXXX forbearance, and that these months would not count and that my form had not been processed to change my plan. These forms are supposed to be processed within 60 days. I was told that I would be kept in the XXXX forbearance, and that they did not know when my form would be processed. As of right now that is still showing the same on the website, and additionally the XXXX  certification that I submitted in XXXX has not been processed. I am very worried that these months will not count towards my XXXX  forgiveness which I have been working towards for XXXX  years. This is really unacceptable and something should be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MA

Complaint narrative:
I am not liable for this debt of {$1000.00} with XXXX XXXX XXXX Account # XXXX I do not have a contract with XXXX XXXX XXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification.

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 2025-01-13 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: NH

Complaint narrative:
I've spotted some errors on my credit report, specifically regarding unauthorized inquiries under 15 USC 16c-2. These inaccuracies are impacting my credit negatively, and I ask for all hard inquiries to be removed. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NH

Complaint narrative:
I've spotted some errors on my credit report, specifically regarding unauthorized inquiries under 15 USC 16c-2. These inaccuracies are impacting my credit negatively, and I ask for all hard inquiries to be removed. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
I received XXXX separate {$500.00} AMEX prepaid gift cards over the holidays and can not get either go work anywhere. I just want my money and to be done with these things. Have been on the phone with AMEX over 5 times now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV Funding LLC [ Address of LVNV Funding LLC, if available ] Subject : Request for Documentation Regarding Account Dear LVNV Funding LLC, I am writing in reference to the account listed under my name with an open balance of {$15000.00}, as reported on [ specific date, if applicable ]. I am not disputing the account at this time but am requesting further documentation to ensure the accuracy of my records. 

Please provide the following information regarding the account : 1. The date of first delinquency.

2. The date of last payment.

3. The date of charge-off. 



I would appreciate your prompt response and assistance in providing these details. Please feel free to contact me at [ your phone number ] or [ your email address ] if further clarification is needed. 

Thank you for your cooperation. 

Sincerely, [ Your Full Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Heres a concise, detailed statement in paragraph form summarizing your issues with Credit Acceptance Corporation : I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to address serious discrepancies and concerns involving Credit Acceptance Corporation regarding a retail installment sales contract for a XXXX XXXX XXXX XXXX ( VIN : XXXX ). The contract, originally executed on XX/XX/XXXX with XXXX of XXXX, was subsequently assigned to Credit Acceptance Corporation. Despite the assignment, I have discovered significant issues that include misrepresentation of the down payment, unauthorized charges, and potential violations of state and federal laws. 

The contract inaccurately reflects a down payment of {$8000.00}, when in reality, I provided only {$1400.00}, as evidenced by my receipt. This discrepancy misrepresents the financing terms, inflating the down payment to artificially lower the Amount Financed, thereby distorting the annual percentage rate ( APR ) and other financial calculations. Additionally, the contract includes charges for XXXX insurance and service contracts that I neither requested nor authorized, further inflating the loan balance and increasing my financial obligations. These discrepancies were not disclosed at the time of signing, constituting a lack of transparency and potential violations of the Truth in Lending Act ( TILA ).

Despite sending a formal demand to Credit Acceptance Corporation under UCC 8.2-609 for adequate assurance of performance and requesting clarification on the assignment, financing terms, and proof of consideration, I have not received satisfactory responses. I am particularly concerned about whether Credit Acceptance has taken appropriate steps to investigate these issues and ensure compliance with federal and state laws. Their inaction has left me paying for services and terms I did not agree to, causing financial harm and emotional distress. Furthermore, I believe these practices also violate the XXXX  Consumer Protection Act and the Federal Trade Commission Act by perpetuating deceptive and unfair lending practices.

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 monetary relief
Consumer complaint received 2025-01-13 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Hello Ive been a victim of identity theft. Ive made several reports and complaints about my credit being effected due to this happening. Ive made a police report as well as call the credit bureau. 
Midland credit management Account number : XXXX This is a XXXX XXXX account. 
XXXX XXXX XXXX XXXXXXXX Amount {$790.00} Open date XX/XX/XXXX XXXX XXXX XX/XX/XXXX Amount {$740.00} Also hard inquiries XXXX  XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$120000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I am writing to formally dispute certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, the accounts listed underXXXX XXXX XXXX XXXX - XXXX - This was Paid as agreed and should not be showing any derogatory information on my report.are closed but still show late payments. These reports are unjust and create significant obstacles to accessing credit and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
According to my credit reports there were XXXX credit cards and a derogatory mark that were affecting my credit. 
On XX/XX/XXXX a XXXX XXXX  ( XXXX ) was opened with a outstanding balance of {$2300.00}. The current status is charged off. 
On XX/XX/XXXX a XXXX XXXX XXXX account was opened with a outstanding balance of {$1400.00}. This is now a derogatory mark on my report! 
On XX/XX/XXXX a XXXX  account by XXXX XXXX XXXX was opened with a balance of {$20.00}. This account is now charged off. I have submitted multiple complaints about these incorrect reports.

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 2025-01-13 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: NY

Complaint narrative:
According to my credit reports there were XXXX credit cards and a derogatory mark that were affecting my credit. 
On XX/XX/XXXX a XXXX XXXX  ( XXXX ) was opened with a outstanding balance of {$2300.00}. The current status is charged off. 
On XX/XX/XXXX a XXXX XXXX XXXX account was opened with a outstanding balance of {$1400.00}. This is now a derogatory mark on my report! 
On XX/XX/XXXX a XXXX  account by XXXX XXXX XXXX was opened with a balance of {$20.00}. This account is now charged off. I have submitted multiple complaints about these incorrect reports.

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 2025-01-13 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: MO

Complaint narrative:
Issue : Failure to properly investigate credit report errors and misrepresentation of account status by Experian. 

Company : Experian Complaint Description : I am writing to file a formal complaint against Experian for failing to properly investigate my credit report errors and allowing the re-addition of deleted items, re-aging of an account, and continuous balance increases on a charged-off account. These actions have significantly harmed my credit score, my character, and my ability to acquire credit or housing. 

This issue has been ongoing, but as of recently, the issues began when I noticed that deleted items were improperly re-added to my credit report, despite previous resolutions showing they should have been removed. Additionally, I have an account that has been re-agedthis account was charged off and closed, yet it continues to show balance increases and opens and closes repeatedly, creating confusion and damaging my credit standing. 

I have made repeated attempts to resolve these issues by contacting Experian, but despite this, the problems persist. I am particularly concerned that Experian 's failure to properly investigate these discrepancies is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and a direct result of the type of " sham investigations '' detailed in recent reports ( such as the Consumer Financial Protection Bureau 's legal action against Experian ). The failure to correct these inaccuracies has significantly tarnished my credit, negatively affecting my financial well-being and defaming my character. 

Accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXXK Supporting Documents : copies of any relevant documents, such as correspondence with Experian, previous investigations, credit reports showing the errors, etc.

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