vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-10-03 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: Self Financial Inc.
State: PA

Complaint narrative:
My Account with XXXX XXXX XXXX XXXXXXXX also was reported as a charge off it was written off as a loss the company was supposed to send a 1099 c form but never did I am asking for this to be deleted under 15Usc1681eb that states accuracy on credit report this is a violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Self Financial XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I purchased the car for XXXX. Not sure if it included 11 % finance charge as of XX/XX/XXXX it is now XX/XX/XXXX. I have continued to make payments but brought this issue up with XXXX XXXX and a steel show that I owe {$10000.00} in the car that has the card that has passed its loan agreement, which was XXXX years 75 months and its still showing that I owe {$10000.00}. Ive called multiple times and when I call and they said it was sent to a collection agency which there was no reason for that because Ive never missed the payment payments mightve been late. I deferred some payments to the back of the loan during the pandemic years, which they couldnt tell me accurate information about XXXX and XXXX where they were showing I didnt make a payment at all then all of a sudden after talking with them, they show that I was late every month but every month I make a payment things are not adding up and Ive been calling a calling over the last three years and not getting this matter, result of thats why Im asking for a subsidy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX XXXX my phone was stolen when I was out and the person who stole my phone used my credit card that was in my XXXX XXXX XXXX The person had all access to my personal information and was able to pose as me by changing my email and passwords. As a result, the person was able to bypass security measures and act as myself. He committed fraudulent charges with my Wells Fargo credit card in approximately {$2000.00} and my XXXX credit card in approximately {$6000.00}. I have tried to dispute with the bank on several occasions and they have said because the security measures cleared, I am responsible for the charges. I did not make these transactions, and it is unjust that I have to pay for charges not made by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CarMax, Inc.
State: CA

Complaint narrative:
I opened a auto loan with Carmax in XXXX, I called in XXXX and talked to a representative trying to settle the debt. I asked for a copy of the contract to be sent to my current location in which I never received. Also, I was told that they couldn't locate my account. Under the FCRA sharing my information without my authorization violates my right to privacy. Now it is unclear who I owe for the debt that's reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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 was completely taken aback when I checked my credit report this morning and saw inaccurate accounts listed. I have no idea how this happened. I check my credit regularly, and this time, discrepancies just appeared out of nowhere. I even refreshed my browser, thinking it could be a glitch, but nothing changed. The wrong accounts were still there. I'm pleading for the documents Ive sent to be carefully reviewed, so I can stop worrying about this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for a car loan for a XXXX XXXX XXXX. I was told that I was denied credit based on factors that are still unclear. Once I mentioned that it was unlawful for them to deny me credit without a counteroffer, I received a voice mail from the dealership stating that one bank has approved me, but that I would have to pay {$12000.00} USD down in order to be granted the credit. The Federal Trades Commission Prohibits unfair and deceptive practices during the car buying process. When I emailed the bank they wrote sorry you didn't meet the requirements moving forward reach out the the dealership pertaining to the loan.

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 2024-10-03 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: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute the following fraudulent and illegal information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} Date Opened XXXX, XXXX, XXXXXXXX XXXX XXXX {$1000.00} Date Opened XX/XX/XXXX XXXX {$1100.00} Date Opened XXXX  XXXX, XXXX XXXX {$12000.00} Date Opened XX/XX/XXXX XXXX {$8900.00} Date Opened XX/XX/XXXX XXXX {$510.00} Date Opened XX/XX/XXXX XXXX  {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/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 2024-10-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  : 431503 , 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not 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.

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 2024-10-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  : 431503 , 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not 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.

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 2024-10-03 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:
To whom it may concern : The Fair Credit Reporting Act provides me with the opportunity to contest any information on my credit report that I believe is not accurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations.We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report.The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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  Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SEE ATTACHED PDF

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 2024-10-03 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: MD

Complaint narrative:
Re : Request for Removal of Closed and Charged-Off Accounts Accounts : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally request the removal of the above-referenced closed and charged-off accounts from my credit report. These accounts are inaccurately and illegally reporting, and their continued presence on my credit file violates federal and state laws.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), credit bureaus are required to ensure that only accurate, verifiable, and current information is reported on consumer credit reports. Reporting charged-off accounts or closed accounts without properly verifying the accuracy of the information, especially when no longer relevant or legally collectible, is a violation of this act. Additionally, under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of credit information are prohibited from reporting incorrect or incomplete information.

Furthermore, under Maryland Commercial Law Code 14-202, it is unlawful to attempt to collect or report inaccurate or outdated information on a credit report. This includes closed and charged-off accounts that should have been updated or removed. 

I specifically request that the following accounts be immediately removed from my credit report : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been closed or charged off, and reporting them continues to harm my creditworthiness despite no valid, enforceable debt being associated with these accounts at this time. Their continued presence is inaccurate and misleading, violating my rights under the FCRA and Maryland state law.

Please conduct an immediate investigation and remove these accounts from my credit file. Failure to comply with this request within 30 days will leave me no choice but to pursue legal action to protect my rights, including seeking remedies for damages and legal fees.

I expect a written confirmation that these accounts have been removed and that no further negative reporting will be associated with them.

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
A debt was owed to Bank of America in the amount of {$4800.00}. There was a company called XXXX XXXX XXXX XXXX that collected payments for the debt since XXXX of XXXX. I made payments until XX/XX/XXXX where the balance owed was then {$2200.00}. 

I could not make further payments when attempted on XX/XX/XXXX, as my account was locked to login and could not make an online payment. I was not notified of any further collections. 

In XXXX of XXXX, I began to have garnishments taken from my checks. I was never notified of the action that was going to be taken and my employer sent me the documentation sent to them. 
There was a writ of execution sent with a balance of {$2200.00} stating XXXX XXXX XXXX XXXX was the company collecting on behalf of Bank of America and was confirmed this was the same debt from before. 
There was another writ of execution sent because I was told by XXXX XXXX XXXX that the previous one expired. 
However, this had a new balance of {$5200.00}, and there has been no explanation after several calls and emails between XXXX XXXX XXXX and XXXX XXXX XXXX why this balance had changed. 
The amount garnished was a total of {$4100.00}. 
XXXX XXXX stated they sent {$940.00} to XXXX XXXX XXXX between XXXX of XXXX. And another amount of {$2400.00} from XXXX XX/XX/XXXX On XX/XX/XXXX, the garnishment was released, however I am owed a refund for the excess funds that were taken. 
I have been over garnished for the amount I owed by {$1800.00}. 
When I have reached out to XXXX XXXX XXXX by email, the attorney has stated the debt has been paid in full and there is nothing more I can do unless I wanted to seek out further legal help.

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