vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
XXXX is reporting AMERICREDIT/GM FINANCIAL Account Number XXXX as a charge-off in the amount of {$5800.00} on my credit file. 

My Rights. 15 U.S.C1681 section 602 A states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information is inaccurate. The FCRA does not allow income to be reported on a consumer 's credit report because it violates privacy and income is not considered relevant for determining credit risk.

Although the original creditor has already received a tax break for writing the account off as profit loss and reported said accounts to the IRS as my income ( via the 1099-C that I never received ), the account continues to be reported as a charge-off on my credit file. The FCRA does not allow income to be reported on a consumer 's credit report The inaccurate representation of income as a charge-off on my credit report grounds me to seek statutory damages and/or the involvement of the IRS. Due to said charge-offs on my credit report, recent loan and charge card applications were denied. Additionally, the inaccurate representation of income as charge-offs on my credit file prohibits me from purchasing a home, causing emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: SD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been informed that my information was apart of a data breach and wrong information is being reported on my credit 15 U.S.C. 1681

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been informed that my information was apart of a data breach and wrong information is being reported on my credit 15 U.S.C. 1681

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been informed that my information was apart of a data breach and wrong information is being reported on my credit 15 U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-02 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 formally dispute the collection reported by XXXX XXXX on my TransUnion credit report. After Reviewing my credit file, I have found that this account is not only inaccurate but is also the result of identity theft. I request that this account be removed from the credit report immediately. 

as I have been a victim to identity fraud, any accounts opened fraudulently in my name are not valid an must be removed. This account I am disputing is as follows : XXXX XXXX please conduct a thorough investigation into this account. If the account can not be fully verified in compliance with the Fair Credit Reporting Act ( FCRA ), it should be deleted from my credit report. If the account is verified, I request that it be removed due to fraudulent nature, in accordance with the laws protecting victims of identity theft. 

FCRA SECTION 1681c-2- identity theft victim rights Under the FCRA, as a victim of identity theft, I am entitled to request the removal of an fraudulent accounts associated with me name. The identity Theft and Assumption Deterrence Act ( ITADA ) provides that accounts opened due to idenity theft must be removed upon request once the victim has provided appropriate evidence of the fraud I am submitting this request for the removal of this collection account based on this provision of the law. 

FCRA Section 1681i ( a ) ( 1 ) ( A ) -resolutions of disputes The FCRA requires that you complete your investigation and respond to my dispute within 30 days. If the XXXX collection is not removed from my credit report after this period, i will pursue further action, including filing with ftc, as well as seeking legal recourse for violations of the FCRA

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 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I kindly ask for your assistance in reviewing the accounts from companies inaccurately reporting late payments. After losing my job, I requested that the late payments be forgiven, which they agreed to, yet they are still being reported. Despite my efforts to follow up, I have received no updates, making this my last option.

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 2025-01-02 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: AL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: CT

Complaint narrative:
( roundpoint mortgage services llc ) who have taken over the mortgage payments from ( XXXX XXXX ) ..eversince we have noticed several problems our payments are not applied on time and received mails and notices from roundpoint ... that we didnt pay and its electronic through our XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which is also attached online to their account... 
in XX/XX/XXXX my wife call the mortgage company and ask them if they can deffer the payments for 3 month since she was out of work because of the school bus vacation. and we only have one income ... the lady on the phone told her sure we can do that..and make arrangements with my wife on the phone to have it setup.. 
during that time... there were no mail nor phone calls except in XXXX we couldnt get in our account because they have it locked..then we called them up..a lady who was on the phone making jokes we owes XXXX XXXX and something dollars and how are we going to pay it ... .then she began to tell us we havent pay mortgage from XXXX and there is interest and late fees and she laugh and make more jokes.then i ask her what about the arrangements my wife made..she said she didnt see anything ... no calls, no mortgage payments deffer or anything .... 
so in nov..i hustle up some money XXXX XXXX and something interest and fees also attach our bank account... they withdraw their money and that was done... 
in XXXX same situation again we were wondering why the mortgage wasnt taken out..they accuse us again of not paying the mortgage when its automatic from our bank and the lady says she didnt see any account setup also locked our account and we had to get new passwords from her to open it up..as we are talking to her ... in the account was the account numbers she said ... .quote??? i dont see any bank accounts linked to your account on my computer... .now theres a problem here... and it happened several times before ... .we have it here i told her then she said well you can pay now and pay XXXX late fees which she said she would waive but lied..after i paid the XXXX dollars ..and she said let me help you setup the account... .a few days after a letter arrived said we didnt pay and today is XX/XX/XXXX and the letter is infront my face... says we did not pay our mortgage for XXXX... now and the account was setup with the XXXX... then with XXXX ... twice..i wonder who took our INFORMATION ON THE PHONE..and who are these people representing these companies ... .and the mortgage that was supposed to be paid is not paid as of today ... due before XXXX of every 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 2025-01-02 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: TX

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2025-01-02 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I was misled by the dealership regarding the monthly payment amount for my vehicle. I was told my payments would be {$540.00} per month, but when it came time to make my first payment, the amount was {$760.00} per month. I immediately contacted Wells Fargo to report this issue, but they took no action. I also tried repeatedly to contact the dealership, but I was never able to reach the finance manager to address the discrepancy. 

Despite this, I made every effort to keep up with the payments for two years. However, I noticed that the loan amount was not decreasing, which added to my financial stress. This situation caused significant emotional distress, including XXXX, and ultimately led to the repossession of the vehicle. 

I feel that I was unfairly deceived and do not deserve to have this repossession negatively impact 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 2025-01-02 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: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXXcomplaineds, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2025-01-02 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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
I have been dealing with this issue for about 5 years now. I have by order of a non-jury trial. Finding in my favor that this case shall be dismissed without prejudice. i have filed complaints with credit bureau. Returning with after they investigated the issue that i am still responsible for this debt. This is negatively impacting my credit scores and my ability to qualify for a better mortgage. This debt is held with XXXX XXXX XXXX. My latest correspondence with this company was on XX/XX/24. 

This information is on all of my credit reports. XXXX, Transunion and 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