vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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: CA

Complaint narrative:
Someone open fraudulent accounts that i didnt authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
My vehicle was repossessed due to financial hardships I was going through at the time. I was in communication with Gm financial and it was depending on which employee would help you type basis. After missing 2 payments they had repossessed my vehicle with no after notices. In California, after a vehicle is repossessed, the lender or repossession agency must send the owner several notices : Notice of Seizure Within 48 hours of taking possession, the repossession agency must send a notice that includes the names, addresses, and phone numbers of the legal owner and the agency. The notice should also state that the agency is responsible for any damage to the vehicle during repossession. If the agency doesn't send this notice, the owner can sue them for repossession and storage fees. 
Inventory of Personal Effects Within 48 hours of taking possession, the repossession agency must send an inventory of all personal items found in the vehicle. 
Notice of Intent to Sell Vehicle Within 60 days of repossession and at least 15 days before the sale, the lender must send a notice that includes the following information : The car will be sold after 15 days from the date the notice was mailed or given The amount required to get the car back before the sale The reason why the full amount must be paid The owner 's rights regarding reinstating the loan or redeeming the vehicle Post-Sale Accounting After the sale, the creditor must provide the owner with an accounting that includes the sale price, how the funds were used, and any surplus or deficiency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year> I told Experian to delete addresses on my credit report. 
That was not done instead they updated the incorrect information. The only address that is correct is XXXX XXXX XXXX XXXX  XXXX, Florida 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 2024-08-11 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: FL

Complaint narrative:
On XX/XX/year> I told XXXX to delete addresses on my credit report. 
That was not done instead they updated the incorrect information. The only address that is correct is XXXX XXXX XXXX XXXX  XXXX, Florida 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 2024-08-11 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: FL

Complaint narrative:
On XX/XX/year> I told XXXX to delete addresses on my credit report. 
That was not done instead they updated the incorrect information. The only address that is correct is XXXX XXXX XXXX XXXX XXXX, Florida XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
CFPB, XXXX still has my name listed wrong under my identification on my consumer report. I use 2 names ( XXXX XXXX, XXXX XXXX XXXX. My full name is XXXX XXXX XXXX.I will have my Driver 's licenses Attach d for proof. All so Experian needs to correct my personal information too I only go by XXXX XXXX XXXX, XXXX XXXX. All those other names need to be removed.

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 2024-08-11 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:
CFPB, Equifax still has my name listed wrong under my identification on my consumer report. I use 2 names ( XXXX XXXX, XXXX XXXX XXXX. My full name is XXXX XXXX XXXX.I will have my Driver 's licenses Attach d for proof. All so XXXX  needs to correct my personal information too I only go by XXXX XXXX XXXX, XXXX XXXX. All those other names need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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:
Request for Deletion of Inaccurate Information I am writing to formally request the deletion of inaccurate information from my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, you are required to ensure the maximum accuracy of the information you report and to investigate disputes promptly. 

I have identified the following information as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX I sent to you a copy of my drivers license with my address for years. Its where i receive legal mail. etc The other bureaus have accurate info. please delete. 

The information reported is incorrect, and despite my previous attempts to resolve this matter, the inaccuracies persist. These inaccuracies have caused significant disruption in my life and household, affecting my financial stability and well-being. 

In accordance with 1681e ( b ), which mandates that you use reasonable procedures to ensure MAXIMUM ACCURACY, and 1681i, which requires you to delete or correct information found to be inaccurate, I request that you immediately delete this account from my credit report. 

Please provide written confirmation once this account has been removed. Additionally, kindly update my credit report and inform me of any changes made. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE FOLLOWING ITEMS REMAIN : CFPB has not enforced corrective action for any of my complaints. Many times closing a dispute and recommending I reach back out to the bureau or tell my story on the portal. 

The Fair Credit Reporting Act ( FCRA ) entitles you to a free copy of your credit report from each of the three nationwide credit bureaus XXXX, XXXX, and TransUnion I am not able to electronically access those reports. 


Transunion accepted information from unreliable furnishers : they all accepted information from furnishers that are not providing reliable, verifiable information about me. 

Transunion - 1 ) XXXX XXXX XXXX  - should be deleted I have opened a dispute with the evidence that the account is over 8 years old. 
2 ) XXXX  XXXX credit- not late in XXXX of XXXX. 
3 ) XXXX- should be deleted. As per conversation XXXX @ XXXX this was deleted yet on XXXX @ XXXX it is still under review and not deleted. 
4 ) TransUnion continued to include information from XXXX XXXX XXXX that failed to respond to all or nearly all disputes that issued the same responses to all disputes. We are past statutes of reporting an account. Nor accurate reporting. 
5 ) TransUnion allowed XXXX XXXX auto loan furnishers to continued to share incomplete or inaccurate information for several years after learning the information was false, incomplete, or inaccurate. XXXX XXXX XXXX provided information even after they determined the information was listing incorrectly. This was verifiable with the original dealership that this trade should be deleted. 

TransUnion did not follow requirements for the disputed investigations and continued to furnish information listed above that I have repeatedly disputed by failing to conduct investigations into the accuracy of information. Instead they have put blocks in place preventing me online report access to continue to dispute requiring mail only and telephone ; which is an inconvenience to the consumer and delays time for corrections.

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 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I open bank of america in XXXX  XXXX and checking account and I had soke fund and when I went to XXXX XXXX and I withdraw fund at casino atm and after {$1000.00} they intentionally block it and make me go casiher and run it as credit and charge higher fee and after I withdraw 4x and they kept freeze it until I spend alot of time calling and verify and unfreeze and after withdrawal 2x they again keep freeze many time as I had to call many time and each time I keep saying stop u keep blocking the accessing of my own fund and they ensure me won't happen again and ad I try to pull more money they block again and my data breach from their system they use my info for other cause and such and charge alot of fee withdraw as credit and not allow me to withdraw my own gund as I need to keep calling them to ask them for permission to access my own fund

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 2024-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, 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
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, 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 explanation
Consumer complaint received 2024-08-11 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: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I submitted Proof of identity address and FTC affidavit Please let me know if you need any other information from me to block this information from my credit report. 

I Really BEEN TRYING TO BE POLITE ABOUT THE THE SITUATION BEFORE TAKING LEGAL ACTION FOR DEFAMATION OF CHARACTER .HOW MANY TIMES DO I HAVE TO EXPRESS IM A VICTIM OF IDENTITY THEFT! 
Please Resolve this inconvenience for us BOTH 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 2024-08-11 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: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I've been trying to verify this debt that's on my credit from Credit Collection Services, however, they never gave me written notice about this debt. But they are reporting on my credit report without my consent, along with it being inaccurate and inconsistent across the 3 major credit bureaus. Upon sending this letter via certified mail on XX/XX/year>, I never got a response back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, 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
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, 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 explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX made repeated phone calls and text messages to me! In XX/XX/year> i spoke with them and paid the balance off in full, I asked numerous times if there was any other balance, they told me no. A month later they began calling again, I asked them why they told me I had a balance of {$91.00} I told them I don't owe and asked them to investigate it. During the investigate I was informed I wouldn't receive phone calls until it was complete. Less than a week later, they called me again trying to collect. It took me till XX/XX/XXXX to get the issue resolved. However by that time they reported my account 3 payments behind, 30, 60 and 90 days late which crushed my credit score! I asked them to remove it because it was now damaging my credit and all they did was update it. I've tried numerous times to get it removed and they refuse to even though they falsely reported for 3 months. The reversal of reporting DID NOT undo the damage that was done to my credit. This prevented me from qualifying for other credit cards and loans and stopped my process for buying a house! I don't have the full call log but they have every call recorded, one of which a lady got smart and nasty with me without knowledge of my previous attempts to fix this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I asked for the incorrect information to be removed and the information is still there

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 2024-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH Mortgage purchased our mortgage from the original provider. I did not have XXXX XXXX with the original provider. I was notified ( this year and after 3 years with PHH ) that I was required to have XXXX XXXX  and that they had made a mistake by not checking to verify that I did. To satisfy the requirement, I purchased XXXX XXXX this year and gave them the information. There were several problems with their acknowledgement process, but my insurance was finally approved. I just received a letter from PHH informing me that they have purchased a windstorm policy for my property for the period XX/XX/XXXX to XX/XX/XXXX. A sort of " retroactive '' policy in the amount of {$7500.00}. This seems punitive. I've had all the inspections done for the appropriate insurance. And they admitted it was their mistake. Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Santander has repeatedly ignored my requests to prove I made a payment in XXXX and XXXX of XXXX. I have asked them to take the vehicle for its sitting in a shop parking lot for the last 5 years trying to exercise my right to a voluntary repossession however they refused then continued reporting falsely on my account and keep updating the statute of limitations date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief