vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
I am writing to formally dispute the following accounts that appear on my credit report : XXXX  / XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, my rights as a consumer have been violated in relation to these accounts for the following reasons : Violation of Privacy : Section 602 ( a ) of the FCRA clearly states that I have the right to privacy. The presence of these accounts on my credit report infringes upon this right, as I have not given consent for their inclusion.

Unauthorized Disclosure : Section 604 ( a ) ( 2 ) of the FCRA states that a consumer reporting agency may only furnish information with my explicit written consent. I have not provided written instructions or authorization for these accounts to be reported.

I request that the CFPB investigate these accounts and take appropriate action to ensure compliance with the FCRA. Specifically, I request : The immediate removal of the disputed accounts from my credit report.

Documentation or evidence showing that proper authorization was obtained for these accounts to be reported.

Attached, you will find copies of my identification and supporting documentation for your reference. I request a prompt response regarding this dispute, and I am prepared to pursue further action if necessary. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am writing to formally dispute the circumstances surrounding the surrender of my 2012 XXXX XXXX XXXX, which I dropped off at your dealership located in XXXX XXXX for transmission repairs. The vehicle was covered under warranty, which I believe was not honored, leading to my decision to surrender the vehicle. 

1. **Warranty Coverage** : The transmission issue I experienced was covered under the warranty provided at the time of purchase. I brought the vehicle to your dealership for repairs, expecting the warranty to be honored. However, I was informed that the warranty would not be applied to the repairs needed for my vehicle. I request a written explanation of why the warranty was not honored. 

2. **Surrender of Vehicle** : The dealership refused to honor the warranty, and I could not afford the necessary repairs. I felt compelled to surrender the vehicle. I believe this action was taken under duress, as I had no viable options for addressing the transmission issue. 

3. **Repossession and Auction** : After surrendering the vehicle, I have received numerous phone calls from your company regarding the repossession and subsequent auction of my vehicle. I kindly request that these calls cease immediately. Such continued communication is distressing, and I believe it violates consumer protection laws regarding harassment and fair debt collection practices. 

**Consumer Law Considerations : **Under the 501.976Actionable, unfair, or deceptive acts or practices.It is an unfair or deceptive act or practice, actionable under the Florida Deceptive and Unfair Trade Practices Act, for a dealer to : ( 1 ) Represent directly or indirectly that a motor vehicle is a factory executive vehicle or executive vehicle unless such vehicle was purchased directly from the manufacturer or a subsidiary of the manufacturer and the vehicle was used exclusively by the manufacturer, its subsidiary, or a dealer for the commercial or personal use of the manufacturers, subsidiarys, or dealers employees., consumers have the right to fair treatment regarding vehicle warranties and debt collection practices. I believe that my rights have been violated in this instance due to the following : **Failure to Honor Warranty** : By not honoring the warranty, the dealership has not fulfilled its obligations to provide the necessary repairs as promised. **Harassment through Continued Communication** : The persistent phone calls after the surrender of the vehicle may be viewed as harassment under the Fair Debt Collection Practices Act, which prohibits XXXX  from using abusive, unfair, or deceptive practices. **

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: OR

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 nephew, 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 2024-11-25 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: HI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: HI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XX/XX/year> amount {$530.00}. They failed to notify me about a past due payment via email. I received no notifications through email during this time that I had payment due. I called several times to try and reason with them, also filed a complaint with all credit bureaus about this matter. Citi cards Costco failed to work with me and I paid the amount right away once i knew there was a balance. Inturn this issue dropped my credit score by XXXX points. 

In accordance with the fair credit report act this creditor Citi Bank Costco Credit Card this creditor has violated my rights. Under 15USC 1681 Section 602 states i have the right to privacy. 15USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a account under an open consumer credit plan as late for any purpose.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Someone has been applying for credit cards with XXXX Bank, Wells Fargo, and XXXX. All of the applications were denied. However,. 
Thanks

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Someone has been applying for credit cards with Citizens Bank, XXXX XXXX, and XXXX. All of the applications were denied. However,. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: HI

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-25 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:
To Whom It XXXX Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. My Experian Report is reflecting accounts fraudulently. 

The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have included the following documents as proof of my identity and the identity theft : A copy of my government-issued ID ( drivers license or passport ) A copy of a utility bill, bank statement, or other proof of current address A completed Identity Theft Report filed with the FTC Affidavit of Truth ( attached ) This account was opened without my authorization, and I have not given consent for any activity associated with this account. The FCRA mandates that accounts resulting from identity theft be removed from a victim 's credit file.

Please notify me promptly once the requested actions have been taken or if additional documentation is required to resolve this matter. I can be reached a XXXX. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: MOHELA
State: CO

Complaint narrative:
1st issue- Upon Mohela transition to their new platform in XXXX XXXX my payment in XXXX XXXX XXXXXXXX was applied to only XXXX loan ( Loan # XXXX ) out of the XXXX i have with them. I was not able to see my loans due to this transition but made my payment. Once I figured out was happen I called Mohela on XX/XX/year> to figure out why my payment was not applied correctly. They informed me that it would take XXXX business day to retroactively apply the amount across the XXXX loans. XXXX business went by and I called them on XX/XX/XXXX asking about an update. They informed me that now it was going to be XXXX business day due to their volume. I told them I was never informed of this add time frame and they explained to me they did not have tell me. This has been dragged on for too long and I need them to fix their problem so I can properly apply for loan forgiveness. 


Second Issue- On XX/XX/XXXX I received two messages from Mohela that effective XX/XX/year> my loans transitioned to their new platform, however it was only for XXXX ( loan XXXX ) out of the XXXX loans. I received a statement total amount due of {$100.00}. I called Mohela in early XX/XX/year> to discuss the discrepancy in the amount the whereabout of loan XXXX. I was informed that for " some reason '' loans XXXX got stuck in the old system and never transferred over. This took a couple of weeks to fix. Once it was fixed my payment for loan # XXXX did not start until XXXX which delayed my current schedule of obtaining XXXX XXXX  payment. I asked them to add my XXXX loans to the XXXX statement so I did not have to delay my XXXX  forgiveness any further since XXXX I was placed in Admin forbearance and did not have a payment. They told me they could not do that. I was forced to pay the amount of XXXX loans in XXXX which altered my Forgiveness time frame even further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax, one of the credit reporting bureaus, does not allow multi factor identification on an account used to place security freezes. They sell XXXX XXXX, but don't allow this significant security step on something that's incredibly important.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
I discovered multiple inaccuracies and unauthorized actions on my credit report, which are violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. These include : Unverified and Inaccurate Reporting : Credit information was reported about me without proper verification, violating FCRA 616, which prohibits willful noncompliance.

Failure to Inform of Rights : My right to opt out of sharing personal information was not disclosed, violating FCRA 603 ( d ) ( 2 ) ( A ).

Furnishing Deceptive Information : Creditors reported late payments and accounts inaccurately, violating FCRA 623 ( a ) ( 1 ). These errors caused harm to my credit profile and financial reputation.

Unauthorized Hard Inquiries : Several hard inquiries were performed without my written consent, violating FCRA 1681b ( a ) ( 2 ), which limits the permissible purposes for accessing a consumer 's credit report.

Improper Debt Validation and Collection Practices : Debt collectors reported debts without proper validation as required under FDCPA 1692g. This includes failing to provide necessary documentation, such as original contracts or applications bearing my signature.

Harassment and Third-Party Disclosures : Debt collectors improperly disclosed my alleged debt information to third-party credit reporting agencies, violating FDCPAs rules against unauthorized disclosure of location information.

Failure to Accurately Report Finance Charges : Finance charges were incorrectly calculated, violating the responsibilities of the credit reporting agency. 

These violations have caused me stress, financial harm, and unnecessary interactions with creditors. I have taken steps to dispute these inaccuracies and demand immediate correction and validation of the reported items. If these issues are not resolved promptly, I will pursue legal remedies as provided under the FCRA and FDCPA.

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 2024-11-25 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-11-25 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: CA

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 nephew, who's XXXX  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 2 out of 3 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 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This is not my debt and THIS DEBT WAS DISMISSED BY A JUDGE IN XXXX XXXX XXXX. ( SEE ATTACHED DISMISSAL LETTER ) THIS DEBT HAS NOT BEEN PROPERLY VERIFIED AND DOES NOT BELONG TO ME. YOU ARE VIOLATING MY RIGHTS AND IMPROPERLY REPORTING TO MY CREDIT REPORT. IT IS REPORTING AS AN OPEN ACCOUNT. THIS ACCOUNT IS CLOSED AND CHARGED OFF. THIS ACCOUNT WAS DISMISSED BY A JUDGE DUE TO THE PLAINTIFFS FAILURE TO FILE ITS AFFIDAVIT OF INDEBTEDNESS AND COSTS. THIS WAS DISMISSED IN XXXX  AND IS NOW BEING ILLEGALLY REPORTED ON MY CREDIT REPORT BY THIS COMPANY WHO SEEMS TO THINK A BILLING STATEMENT =DEBT VALIDATION. SORRY BUT A BILLING STATEMENT THAT COULD EASILY BE MADE TO LOOK AS IF IT IS MINE, IS NOT DEBT VALIDATION. I HAVE NEVER SEEN THOSE STATEMENTS AND THOSE STATEMENTS DO NOT BELONG TO ME. WHERE IS MY SIGNATURE SHOWING I SIGNED UP FOR THIS ACCOUNT? YOU DO NOT HAVE ONE BECAUSE I NEVER SIGNED UP FOR XXXX, I HAVE NEVER HAD A XXXX ACCOUNT. THIS NEEDS TO BE REMOVED FROM MY ACCOUNT AS IT IS REPORTING INCORRECTLY ON MY CREDIT REPORT AND THIS IS AGAINST THE LAW & YOU ARE ALLOWING THIS COMPANY TO BLATANTLY VIOLATE MY RIGHTS AS A CONSUMER.

Company response to consumer: Closed with explanation