vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: KY

Complaint narrative:
under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ameritan Group Services
State: IL

Complaint narrative:
Ameritan Group Services ( AGS ) contacted me in regards to an old debt that I cant fully remember I requested a verification of debt as this if the first communication I have received from them I recorded the call and attached the end of it but the rep on the phone confirms that this is the first thing they have sent me then they hung up on me they said best of luck Im going to need it

Company response to consumer: Untimely response
Consumer complaint received 2024-11-14 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-11-14 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXXXXXX XXXX XXXX. Account XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint concerning the inaccurate reporting of multiple late payments by JPMCB AUTO FINANCE to the credit bureaus. According to their records, several payments are falsely reported as late. These alleged late payments were made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
On XXXXXX/XX/year>, I requested incorrect " Current Address Date '' be corrected ; names " Also Known As '' be removed, and incorrect " Previous '' addresses be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Today on XXXX  around XXXXXXXX XXXX XXXX I was discussing an issue with my PSLF counts with a representative from student aid.gov. My account was mistakenly put in forbearance for XX/XX/year> and therefore that month did not count towards PSLF pending verification of employment. My servicer XXXX does not show a forbearance ever on my account. When I tried to get more information the rep said he needed my FULL SOCIAL SECURITY NUMBER in order to verify my account and give me more information about the forbearance. I have never been asked to provide a SSN in order to verify my account and when I asked to just give the account number he refused stating he needs the SSN. I did not provide that information. I am concerned about fraud and identity theft coming from employees at student aid.gov. The rep stated that it was POLICY that he ask for the full SSN which seems odd that the federal government would have such a policy for account verification. Secondly, Im concerned that I was put in a forbearance for the month of XX/XX/year> that was purely administrative as it was due to being transferred from XXXX to XXXX  against my will as a matter of federal policy and 2. The forbearance is only showing on student aid.gov website and not on my servicer XXXX  website. My account has always been current since the first payment was requested by XXXX  on XX/XX/year>. The rep told me to fill out a PSLF reconsideration form but that it would only look at the information provided on studentaid.gov. Therefore I asked if studentaid.gov says I have a forbearance but my servicer XXXX  says I do not based on my online account, then will you talk to XXXX? The rep said that he could not. The rep also said that after I fill out the form and it is deemed a forbearance was applied in error that they COULD NOT go back and remove it and have XX/XX/year> count as a qualifying payment. The rep could provide no other information. I want CFPB to look into both of these issues- the SSN request and the forbearance issue- and remove the forbearance on XX/XX/year> and deem it a qualifying payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business account, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only account for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
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 2024-11-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business account, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only account for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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:
To Whom it may concern I am writing to formally request the blocking and deletion of fraudulent accounts and information that have been placed on my credit report due to identity theft from a data breach. As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically under FCRA 605B ( 15 U.S.C. 1681c-2 ), to have this fraudulent information removed from my credit report immediately. You are in violation of the Gramm Leach Biley Act, clearly violating my privacy.

The following accounts were opened fraudulently and are violating my privacy rights as a consumer by remaining on my credit report : Account Name XXXX XXXX XXXX XXXX {$29000.00} Account : XXXX XXXX XXXX {$36000.00} This fraudulent information is a clear violation of my consumer privacy and protection rights under both federal and state laws. It has caused undue harm to my credit profile and threatens my financial security. Allowing such information to remain on my credit report is a breach of your duty to protect consumers sensitive information. 
To support my request, I have included the following documentation : XXXX. Identity Theft Report : A copy of my Identity Theft Report filed with the Federal Trade Commission. 
XXXX. Proof of Identity : A copy of my government-issued ID and Social Security card to confirm my identity. 
XXXX. Proof of Residence : A recent utility bill as proof of residence.

I request that you block and delete this fraudulent information from my credit file within the legally required timeframe, as outlined in the FCRA, and confirm this action in writing. Should this request be ignored or delayed, I reserve the right to pursue further action, as this constitutes a violation of my consumer rights and privacy protections. 
If you require additional information to process my request, please contact me directly at XXXX Thank you for your immediate attention to this serious matter. 
Sincerely, 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 2024-11-14 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:
To Whom it may concern I am writing to formally request the blocking and deletion of fraudulent accounts and information that have been placed on my credit report due to identity theft from a data breach. As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically under FCRA 605B ( 15 U.S.C. 1681c-2 ), to have this fraudulent information removed from my credit report immediately. You are in violation of the Gramm Leach Biley Act, clearly violating my privacy.

The following accounts were opened fraudulently and are violating my privacy rights as a consumer by remaining on my credit report : Account Name : XXXXXXXX XXXX XXXX  {$29000.00} Account : XXXX XXXX XXXX {$36000.00} This fraudulent information is a clear violation of my consumer privacy and protection rights under both federal and state laws. It has caused undue harm to my credit profile and threatens my financial security. Allowing such information to remain on my credit report is a breach of your duty to protect consumers sensitive information. 
To support my request, I have included the following documentation : XXXX. Identity Theft Report : A copy of my Identity Theft Report filed with the Federal Trade Commission. 
XXXX. Proof of Identity : A copy of my government-issued ID and Social Security card to confirm my identity. 
XXXX. Proof of Residence : A recent utility bill as proof of residence. 
I request that you block and delete this fraudulent information from my credit file within the legally required timeframe, as outlined in the FCRA, and confirm this action in writing. Should this request be ignored or delayed, I reserve the right to pursue further action, as this constitutes a violation of my consumer rights and privacy protections. 
If you require additional information to process my request, please contact me directly at XXXX Thank you for your immediate attention to this serious matter. 
Sincerely, 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 2024-11-14 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: ND

Complaint narrative:
I recently received my TransUnion report and notice fraudulent inquires from Ally Financial and XXXX XXXX XXXX XXXX. Ive never given them consent to pull my credit report. Please remove these fraudulent hard inquires off my TransUnion 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 2024-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year>, I deposited a check written by my wife to me in person in one of Citibanks local branch with the amount of XXXX. Then my account was frozen by their anti-fraud department. Despite the fact that my wifes account and my account are in the same physical address and my wife has written similar checks to me before, the banks anti-fraud department demanded me to bring my wife in person to a local branch. After spent almost an entire morning arguing with customer service, being redirected to countless representatives, involving my wife and my wifes bank to the conference call, they finally confirmed it was a false alert on their side. Because the bank froze my account out of blue, my outbound transfer to my stock broker was blocked and then my stock broker froze my account because of that. Should this event happened in the month end or any bill due days, then I wouldnt be able to pay my mortgage and bills and damaged my credit score.

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 2024-11-14 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: IN

Complaint narrative:
There are accounts on my recent report that I believe were added incorrectly and without my consent. I ask for immediate removal of these fraudulent listings.

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 2024-11-14 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-13 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
My cousin used to live with me and I think he must have used my information to open up some accounts, please remove these accounts from my 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 2024-11-14 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: NH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 non-monetary relief