vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit file. I am a victim of a data breach, and these items were added without my knowledge or authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these entries removed. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$280.00} XXXX. XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2300.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2100.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX. XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$18000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$230.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$580.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2100.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$320.00} XXXX. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$9800.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX  and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2024-11-27 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX  and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 explanation
Consumer complaint received 2024-11-27 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: CO

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-27 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} - Late/Open XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$17000.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late/Closed -XXXX XXXX XXXX XXXXXXXX  Date Opened : XX/XX/XXXX Balance : {$300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
opend acct and got card on XX/XX/year>, had problems since day 1, they constantly marked purchase as fraudlent, evan when proved they werent, come to find out e-gift werent allowed, took 3 days of calling to find that out, and then closed my card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: DISCOVER BANK
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: PA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and as a result, I request that all accounts listed below be blocked and deleted from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which address the removal of fraudulent accounts and unauthorized access to credit information. 
Please ensure that the following accounts are blocked and deleted from my credit report immediately : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: PA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and as a result, I request that all accounts listed below be blocked and deleted from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which address the removal of fraudulent accounts and unauthorized access to credit information. 
Please ensure that the following accounts are blocked and deleted from my credit report immediately : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00}

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 2024-11-27 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trott Law, P.C.
State: MI

Complaint narrative:
TROTT LAW if you really think a foreclosure occurred and that you have not just committed fraud and that you should not be Fined by the CFPB. 


Explain in packet XXXX  attach page number XXXX dated XX/XX/year> ref. XXXX when your buddy XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX your client and you contacted my broker XXXX  as an inquiry to ask a question of my loan XXXX. 

XXXXXXXX XXXX, Dear XXXX XXXX we will be able to respond to your inquiries, in full, if XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, to provide verbal authorization. 

Why did XXXX  XXXX tell me on XXXX at XXXX spoke XXXX minutes and his exact words were - I am reading a XXXX XXXX  on file in XXXX. 

What lie and XXXX will you say now? 

Explain XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NC

Complaint narrative:
In my dispute letter, I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) that have occurred and requesting immediate action to resolve these issues. The violations include : FCRA XXXX XXXX - Civil Liability for Willful Noncompliance : I am alleging that the credit reporting agency failed to verify the accuracy of credit information before accepting it, which is a clear violation. Under this section, noncompliance can result in civil liability of up to {$1000.00} per violation. 

FCRA Section XXXX ( d ) ( XXXX ) ( A ) - XXXX of XXXX XXXX : The credit reporting agency failed to inform me of my right to opt out of sharing my personal information. This omission is misleading and violates my rights under the FCRA. 

FCRA XXXX XXXX ( a ) ( XXXX ) - Furnishing Inaccurate Information : The agency is accused of reporting inaccurate inquiries and accounts without proper validation, which violates Generally XXXX XXXX XXXX  ( GAAP ) and is deceptive. 

XXXX XXXX Practices XXXX Violations : Several debt XXXX are engaging in unfair practices by reporting inaccurate debts and accounts without my consent. This has caused unnecessary distress and harassment from creditors. 

Violation of Acquiring XXXX XXXX Regulations : Debt XXXX contacted third parties with my information, which is prohibited by regulations concerning the disclosure of debt information. 

Inaccurate Late Payments Reporting : The XXXX XXXX XXXX listed late payments on my report without clear definitions, making it deceptive and inaccurate. 

Failure to Determine Accurate Finance Charges : The agency has failed to accurately calculate finance charges, which is their responsibility. 

Unauthorized Reporting : My credit report contains information that was reported without my consent, violating the permissible purposes outlined in the FCRA. 

I am requesting the immediate removal of incorrect addresses, updates to late payments, and the validation of various debts, as required under XXXX XXXX XXXX XXXX. This includes providing proof of the debts, such as the original contract, notarized agreements, and evidence of permission to collect. If the debt XXXX can not validate these debts, I am demanding the removal of these items from my credit report. 

Additionally, I am requesting the removal of unauthorized hard inquiries as they were made without my consent, which is in violation of XXXX XXXX XXXX ( a ) ( XXXX ) and XXXX XXXX XXXX regarding the block of fraudulent information. 

I expect these violations to be corrected within the required timeframes, as outlined by the law, and will pursue further legal actions if they are not addressed promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: MI

Complaint narrative:
My right to privacy is protected under laws enacted by XXXX to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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 2024-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch
State: TX

Complaint narrative:
I started a XXXX XXXX account to view my credit scores and was advertised a much lower car loan refinance rate. It said I was already approved so I uploaded all of my supporting documents and was told by the company, Autopay, they can not give me a lower rate even though the specifically told me they would. Essentially damaging and lowering my credit report for nothing and false advertising

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX of this year, I elected to upgrade my Capital One XXXX XXXX at a cost of $ XXXX, to get better mileage rewards. I spent the required {$4000.00} within the required time frame but the rewards did not show up on my statement. So I called and spoke to ( XXXX ) customer service reps and ( XXXX ) XXXX Acct XXXX today and they kept telling me that as an existing customer, I am not eligible. The person at Capital One that I worked with to upgrade the card did NOT tell me I was not eligible. Otherwise I wouldn't have upgraded the card from " XXXX '' to $ XXXX. 
I looked up the Capital One website and in XXXX places it says : " Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past XXXX  months. '' I have NOT received ANY cardmember bonuses... EVER! So based on what is on their website, I should be eligible for the rewards. 
None of the people I spoke to at Capital One were able to tell me where on the website it says otherwise. 
This is clearly misleading advertising

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I 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 XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX 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 if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I needed to close on a house XX/XX/XXXX and I initiated a wire transfer from Ally XXXX to my lawyer on XX/XX/XXXX. I received an email from Ally on closing day rejecting my wire due to the receiving bank account not being in my name. 

So, I had to decide if sending the money from my XXXX XXXX XXXX via XXXX or attempting to wire again would be quicker, so I considered XXXX, but there's a transfer limit to my already linked account. So I initiated a wire to my other XXXX XXXX  account on XX/XX/XXXX and received no response the next day. After waiting on their automated menu and clicking all kinds of oprions trying to get to customer service since there's no main customer service option, I finally got to someone who said they don't know anything about the wires. I called again and got someone who helped me, saying that I needed a bank statement from my own bank account I'm sending to and they probably rejected the wire again without sending me a message. So he resent the wire and It'll probably get it to my other bank account on XXXX  XX/XX/XXXX ( because tomorrow is XXXX ) which I then have to spend more time and money wiring to the sellers who have been asking me where the money is. 

This is so completely unacceptable from what is supposed to be a reputable bank. I never have any issues wiring from other banks and it is always very quick without stipulations. Never again will I rely on Ally for time-sensitive money transfers. The worst part is the house is just sitting there vacant because I have not yet received the keys and can not access it.

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 2024-11-27 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: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
I have XXXX loans, XXXX  loans and XXXX loans with AidAdvantage. I was also serviced by XXXX before, so I have questions about that transfer as well. 
Since the interest rates restarted after XXXX, I have noticed that the information on my servicer website is inaccurate. I believe I have been the victim of mishandling my loans and payments. 
I have several examples but I will focus on XXXX. 
In XXXX of this year, AidAdvantage changed my status to XXXX, although I was enrolled and they disbursed payment to the University of  XXXX. Interest was accrued and I needed to resend all documentation that I was enrolled. I was told that the interest would be reposted to my account, but it hasn't. 
I have made several payments to the loans and my balance is still getting higher. The information I see on their site is not accurate and it doesn't even match what I see on the XXXX website. 
I recently, on XX/XX/XXXX, made a {$3000.00} payment that I noticed has not been posted. This means that again I have accrued interest that is not correct and the customer service is not able to explain. 
I have had several calls with AidAdvantage and nothing ever gets resolved. 
I would like to request a full audit of my loans starting in XXXX  as I believe they are not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have repeatedly contacted your office about accounts in pending litigation that are inaccurately reported on my credit file. Each delay is worsening the impact on my credit, and I am done waiting.

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