vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
Contacted all 3 major credit bureaus via telephone, mail and filed numerous complaints to have inaccuracies removed from credit due to reporting errors and violation of consumer laws ; instead of investigation and removal of item they refused to process sending an email stating that the request seems to be from a third party which is invaild. All my personal identification was attached to letters and in signature line it states " I PERSONALLY SIGNED THIS LETTER AND REQUEST THIS INVESTIGATION ''. Bureaus are aware laws were broken and that type of response is just to provide a reason as to not follow the laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE
State: IN

Complaint narrative:
I purchased the vehicle in XXXX at a price of approximately {$22000.00}. I filed XXXX XXXX in XXXX but continue to pay payments through the courts. My Bankruptcy has been discharged effective XX/XX/XXXX, and they have received more than {$40.00}, XXXX in payments from me. This vehicle has been paid in full but yet they refuse to give me my title. This is a clear case of Predatory Lending. What would justify them keeping a title on a vehicle they have been paid almost double their monies back on?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
To Whom It May Concern, Subject : Dispute of Charged-Off Accounts Under FCRA 15 U.S.C. 1681s-2 I am writing to formally dispute the reporting of charged-off accounts associated with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and any related entries on my credit report. I believe these accounts are being reported inaccurately, incompletely, or unverifiably, and I request their immediate investigation and permanent deletion from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 and other applicable provisions.

Account Information : Creditor Name : XXXX XXXX / XXXX XXXX Creditor Name : XXXX XXXX XXXX Reporting Agencies : TransUnion Under FCRA 15 U.S.C. 1681s-2 ( a ), furnishers of information bear the responsibility of ensuring the accuracy and integrity of the data they report to consumer reporting agencies. Furthermore, FCRA 15 U.S.C. 1681i ( a ) obligates credit bureaus to conduct a reasonable investigation of disputes and to delete or correct any information that can not be verified as accurate.

The continued presence of these accounts on my credit report constitutes a violation of my rights under the FCRA. If XXXX XXXX and its related entities can not provide documentation verifying the accuracy of these accounts, they must be permanently deleted. Additionally, FCRA 15 U.S.C. 1681c ( f ) prohibits the reinsertion of deleted information unless the furnisher provides certification of accuracy and notifies the consumer within five business days, a standard which I demand be upheld.

To resolve this dispute fairly and amicably, I request the following : An immediate and thorough investigation into these accounts by the credit bureaus.

Permanent deletion of these accounts from my credit report if their accuracy can not be substantiated.

Written confirmation that the disputed accounts have been removed and will not be re-reported in the future. 

Assurance that XXXX XXXX and XXXX XXXX XXXX, and related entities comply with all relevant legal standards and refrain from reporting inaccurate or unverifiable information moving forward.

Please be advised that failure to comply with the above requirements may subject the involved parties to liability for damages, including statutory damages, attorneys ' fees, and other legal remedies as provided under the FCRA. I request that you complete your investigation within the 30-day period mandated by law and inform me of the resolution in writing.

Thank you for your prompt attention to this 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 non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
My last attempt in trying to do a loan modification was sent in XXXX. I have tried numerous times before then to try to modify the loan to with no success, continously being told I simply can't afford it when my income and fianc income is more than enough to cover my old monthly payment before I was laid off from work. This time I sent another request for modification with {$3000.00} to put down towards any past due amounts and I am not hearing anything back. I keep recieving calls from employees that have no idea what is going on and are continuously asking questions that make no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: VA

Complaint narrative:
I am writing to formally address an ongoing issue with the reporting of an account that I believe is inaccurately reflected on my credit report. After reviewing my recent credit report from your bureau, I have found that the account XXXX XXXX XXXX XXXX  continues to report incorrect information, despite my prior attempts to rectify the situation.

As outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, 1681s-2, and 1681c, I am requesting that you immediately take action to ensure the information regarding this account is fully corrected and that the updated and accurate details are reflected in my credit file.

Under 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and complete information. Furthermore, 15 U.S.C. 1681s-2 places responsibility on furnishers of information ( including creditors and financial institutions ) to report accurate data to the credit bureaus. Lastly, 15 U.S.C. 1681c sets clear guidelines regarding how long negative information, such as charge-offs, should remain on a credit report, and mandates that any outdated or erroneous data be promptly removed.

If the inaccurate information continues to be reported, I will have no choice but to pursue legal action against your organization for violating the FCRA, as it is essential that all information reported on my credit report be accurate and in compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: VA

Complaint narrative:
I am writing to formally address an ongoing issue with the reporting of an account that I believe is inaccurately reflected on my credit report. After reviewing my recent credit report from your bureau, I have found that the account XXXX XXXX XXXX XXXX continues to report incorrect information, despite my prior attempts to rectify the situation.

As outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, 1681s-2, and 1681c, I am requesting that you immediately take action to ensure the information regarding this account is fully corrected and that the updated and accurate details are reflected in my credit file.

Under 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and complete information. Furthermore, 15 U.S.C. 1681s-2 places responsibility on furnishers of information ( including creditors and financial institutions ) to report accurate data to the credit bureaus. Lastly, 15 U.S.C. 1681c sets clear guidelines regarding how long negative information, such as charge-offs, should remain on a credit report, and mandates that any outdated or erroneous data be promptly removed.

If the inaccurate information continues to be reported, I will have no choice but to pursue legal action against your organization for violating the FCRA, as it is essential that all information reported on my credit report be accurate and in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On the evening of XX/XX/year> my bank ( Bank of America ) authorized an ATM debit card transaction in the amount of {$3600.00} overdrawing my checking account from XXXX XXXX XXXXXXXX The transaction was not previously authorized by me or anyone I know, there were no current or active electronic authorizations to XXXX in that amount or any amount for that matter and only a final bill that my Agent had told me about in the amount of {$1000.00} and he was waiting for me to provide him with my active card info however we had been unable to reconnect since speaking on XX/XX/year> as every time I called he was not available or in the office. I assumed he was gone for the holiday and requested that he call me back upon his return so we could get him paid. On XX/XX/year> it appears that someone at XXXX processed a debit in the amount of {$3600.00} without my knowledge or authorization, in fact my debit card was locked to prevent unauthorized use and the daily and per transaction limits were set so low that this transaction should have been rejected on the protections in place alone, however this is not the case. BofA not only permitted the transaction but also allowed XXXX to overdraw my account by $ XXXX despite having no overdraft protection and clearly no permission for XXXX to do this. I filed a dispute claim with BofA on XX/XX/year>. All attempts to work with XXXX have resulted in me being referred to BofA and of course BofA does the same thing. Despite BofA being notified of the dispute and unauthorized transaction they so far have refused to replace the funds even temporarily despite my monthly deposits clearly showing the ability to take care of whatever the outcome is eventually. In the meantime, payments that were previously authorized have bounced horribly. This matter has caused havoc on my account, and it was completely unnecessary had BofA just followed the protection they give each customer. BofA 's explanation for this is that " XXXX is special and these protections don't apply to them because they are reoccurring, there was no reoccurring charge authorized to XXXX whatsoever ''. In the meantime, this matter is destroying the relationships I have with other vendors who were authorized to be paid. To me the reason XXXX is being given a pass is because they are likely a customer of BofAs and based on what they have told me the rules don't apply to them ... since when? Can someone please show me in any disclosure where this is legal or even proper?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: TN

Complaint narrative:
I had my identity stolen and used on XX/XX/XXXX of XXXX  to apply for a XXXX XXXX credit card. I also have a fraudulent unknown phone number listed on my account. That number is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My wife and I applied for a loan. And before the loan application was even finished entering we started receiving SPAM calls. One of the credit reporting agencies sold our data without OUR CONSENT to other loan sharks. 

We have been bombarded with calls since then - almost every 3 to 5 mins. 

It's absolutely frustrating that we trust the credit reporting agencies to honor and protect our information and they sell it to profit and make money. 

These people should be prosecuted by law to the fullest extent for selling information without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
My wife and I applied for a loan. And before the loan application was even finished entering we started receiving SPAM calls. One of the credit reporting agencies sold our data without OUR CONSENT to other loan sharks. 

We have been bombarded with calls since then - almost every 3 to 5 mins. 

It's absolutely frustrating that we trust the credit reporting agencies to honor and protect our information and they sell it to profit and make money. 

These people should be prosecuted by law to the fullest extent for selling information without consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NY

Complaint narrative:
I recently reviewed my credit report and notice an account that was not reported accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with the complete accuracy. The account XXXX XXXX  has not been late on payments. Ive attached a copy of my report to this complaint on the following dates MONDAY XX/XX/year> and SATURDAY XX/XX/year> I am now requesting you investigate this account and update these payments to paid on time immediately thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NV

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 2025-01-03 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: MA

Complaint narrative:
On XX/XX/XXXX, I attempted to login to Experian ( https : //www.experian.com/help/login.html ) to temporarily lift a credit freeze that I had previously placed. The login information I had previously used did not work. The " login a different way '' process showed that my valid phone number is not associated with my email address. I did a " forgot username '' process and it sent a recovery email to a hotmail.com address -- I have never used XXXX. I determined that my account information has likely been altered by a malicious actor.

I called the Experian support number and went through automated prompts to try to resolve the issue. The automated prompts hung up on me at least 3 times before I talked to a support agent. This support agent said that they had created a ticket number for the escalation team and that this team would follow up.

Several days later ( XX/XX/XXXX ) I had received no information so attempted to call again. This time the automated support hung up on me 3 more times. I called a corporate support number and was routed to several different agents. Each agent said that they did not work in the appropriate department and that they would transfer me. The numbers that I was given to call back all routed to the main automated support number. After 2 hours and perhaps 6 different attempts, I finally talked to another agent who informed me that I need to physically mail or fax identifying documents to have the escalation team look into my issue.

This experience has been so difficult that I wonder if it's not intentional. My particular support case has no resolution other than to speak with a human, and speaking with a human at Experian is monumentally difficult. I have no confidence that my case will be followed up unless I follow up personally, and I've already spent 4-5 hours on such follow-up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: VA

Complaint narrative:
I am writing to formally address an ongoing issue with the reporting of an account that I believe is inaccurately reflected on my credit report. After reviewing my recent credit report from your bureau, I have found that the account XXXX XXXX XXXX continues to report incorrect information, despite my prior attempts to rectify the situation.

As outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, 1681s-2, and 1681c, I am requesting that you immediately take action to ensure the information regarding this account is fully corrected and that the updated and accurate details are reflected in my credit file.

Under 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and complete information. Furthermore, 15 U.S.C. 1681s-2 places responsibility on furnishers of information ( including creditors and financial institutions ) to report accurate data to the credit bureaus. Lastly, 15 U.S.C. 1681c sets clear guidelines regarding how long negative information, such as charge-offs, should remain on a credit report, and mandates that any outdated or erroneous data be promptly removed.

If the inaccurate information continues to be reported, I will have no choice but to pursue legal action against your organization for violating the FCRA, as it is essential that all information reported on my credit report be accurate and in compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
starting XX/XX/year> company stopped my auto payments, which resulted in a late payment and not being able to access my account online. I resolved the matter before before reporting to the credit bureau. I asked to reestablish auto pay but was told i had to do it through the website and they could not do it over the phone. Since I could not gain access to the account online, I set up payments from my checking bill pay. In XXXX, it got a paper statement showing I was late on a payment. I called to dispute the info, and tried to find out where my payments had been applied but could not get the same answer twice. I then verbally told them I was disputing the account as I should have had payments applied. I mailed a letter with copies of my statements but nothing was done. Unfortunately, I did not not send it registered mail. Then, they reported me late to the credit bureau. I was livid, I called, paid the amount due to avoid further damage to my credit and faxed the same 32 pages of bank statements to the comapny. Again I was told I would get a response within 24 hrs. I called again yesterday and was told that my Credit bureau complaint was denied but my billing dispute was still under investigation, which makes no sense whatsoever. I am still unable to access my accouint online and no one seems to be able to give me a straight answer. i have worked hard to reestablish my credit and need help resoloving 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 2025-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar Credit Union submitted correction to the XX/XX/year> payment however they are not correcting the XX/XX/year> payment. I have made every single payment on time for the duration of my car loan. Vystar has not provided evidence of a late payment. Please see response letter attached.

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