vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: SC

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX, XXXX XX/XX/XXXX 15 U.S.C 1681 section 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 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 of 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 2024-01-24 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:
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.

15 U.S.C 1681 section 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 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 2024-01-24 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:
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.

15 U.S.C 1681 section 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: TX

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 2024-01-24 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: TX

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 2024-01-24 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: MS

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

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 2024-01-24 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 rewriting to complaint to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC
State: AZ

Complaint narrative:
After reviewing my credit reports, I discovered that Frontline was reporting an alleged XXXX bill. My initiated contact with them on XX/XX/XXXXXXXX and their response on XX/XX/XXXX included an invalid 'monthly statement ' that lacked essential details about the nature of the information. Dissatisfied with this incomplete response, I followed up on XX/XX/XXXXXXXX explicitly requesting more information to clarify the invalid details provided earlier. Regrettably, there has been no further communication from Frontline, and they persist in reporting this unverifiable account on my credit reports. I remain unaware of the specifics of this account, as the company has not provided any detailed information beyond indicating past due amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
We had purchased a camper from XXXX XXXX XXXX XX/XX/XXXX and financed it through US Bank for the amount of {$36000.00}. We found out few days after driving it off the lot, that XXXX XXXX had screwed up our VIN number, which in turn messed up all paperwork to US Bank for the temporaty title. XXXX XXXX notified us of their mistake, and fixed the paperwork for us to be able to get our registration done. However, US Bank never followed up or fixed their paperwork on their end. Fast forward to a year later, XX/XX/XXXX we paid off the camper in full, sending US Bank the payoff amount of {$32000.00}. 
They accepted this payment, without even having the proper paperwork showing the right VIN, or without even correcting anything. So now in XX/XX/XXXX, of XXXX when my wife and I are attempting to sell our camper to a friend in order to get the funds needed to close on a home for our family, the dmv tells us they can not issue a title, due to US Bank still having a lien on it. When contacting US Bank several times asking why they are still holding a lien when it was paid off over a year ago, they just kept saying " their not sure ''. This led us to asking for a supervisor and while on hold for them, the dmv tells us that it is an electronic lien and that the bank can do an " emergancy release '' in order to have the dmv print us a title that day of being there. Since it over an hours drive to this instant title dmv. 
When the supervisor came on the line, we had relaid this information to her, which she in turn expressed that she had never heard of that. She then said she would go ahead and process a release to be done, but that they first have to fix the paperwork on their end, since they did not currently hold a proper lien. I even made the comment " wow so I should have never paid you off, because you had no way of even repossessing this '' of which they laughed and did not comment. 
It is now XX/XX/XXXX of which the release was still not completed and we loss a sale on our camper, which now in turn will affect our closing and might make us lose our home. All because they did not do their job and correct their own paperwork over 2 years ago! How can they accept payoff for a " vehicle '' or camper in our scenerio, without even having the proper paperwork or temporary title paperwork? Then have the right to make us lose out on so much money needed for a big family move, due to their own negligence and not be held responsible.

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 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
hope this message reaches you with the sincerity and urgency it carries. I am writing to you as a XXXX student who finds themselves in an unbearable situation due to the sudden closure of my Chase checking account and failure withdraw of the balance. 

In early XXXX discovered that my checking account had been closed by Chase without any apparent reason or warning. The inconvenience it brought to my life combined with the fact that I had done nothing wrong, has left me feeling utterly devastated, since it was the main resource of the daily consumption for a single student who travelled miles to study in a unfamiliar XXXX 
One of the most distressing aspects of this situation is the lack of communication and transparency from Chase. Despite my continuous efforts to reach out for clarification and resolution, all I received were automated responses with no progress being made. It is disheartening to feel neglected and helpless in a situation that directly impacts my well-being. 
What exacerbates my fragile emotional state is the failure to release the remaining balance of approximately {$4000.00} from my closed account. As a XXXX  student on the verge of graduation and preparing to leave the U.S. this summer, this unresolved matter has become an overwhelming burden, affecting not only my finances but also my mental health.I understand that in the grand scheme of things, {$3000.00} might seem inconsequential, but for me, it represents a crucial for me.The uncertainty surrounding my financial situation has taken a toll on my ability to focus on my studies and has plunged me into a state of heightened XXXX 

I am reaching out to you with a plea for understanding and compassion. I implore you to recognize the gravity of my situation and provide an expedited resolution, hoping that, in your capacity, you can bring some relief to this fragile situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I HAVE Nothing to do with this account and I request for it to be removed and my credit score fixed and updated. 

Account number XXXX Amount {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I HAVE Nothing to do with this account and I request for it to be removed and my credit score fixed and updated. 

Account number XXXX Amount {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I contacted One Main Financial to notify them that I was wanting to pay my debt in full. I was given a phone number to call after they informed me that they weren't able to give me an account number or any other information Associated to my account. I called that phone number and was told the same thing and given another phone number. I called that phone number and it was a Spam recording that was trying to make me take a XXXX XXXX bracelet. I've made several attempts to pay this account in full and have been unsuccessful. XXXX & XXXX. I also called the number listed on XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: NY

Complaint narrative:
I am writing to revisit the matter of my filed complaint concerning this negative account below : XXXXXXXX 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 2024-01-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Fresh Holdings Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX, on behalf of XXXX, sent a text to my ex husband, trying to reach me. I did not authorize this contact, nor for them to disclose that I had a debt, let alone one in collections. I dont know how they got his information, but seeing as I had a restraining order against my ex for most of XXXX, I would have never used him as a reference on this loan. They sent him a collections text, disclosing my name, the reference number of my case, gave him a mini-Miranda, and I am appalled. This has caused me embarrassment and emotional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The failure to further and fully investigate the matter is absurd! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations. I disagree with the decision as this debt is not mine, and I should not be held accountable for someone else using my information. Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : * FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX : Fine of {$1000.00}. * Defamation, financial injury- US Court of Appeals, Ninth Circuit, No. 00-15946 Nelson v. Chase Manhattan : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. * Defamation, willful injury - FCRA Section 623 CUSHMAN v. TRANSUNION CORPORATION ; US Court of Appeals for the Third Circuit Court Case 115 F.3d 220, June 9, 1997 Filed ( D.C. No. 95-cv-01743 ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The failure to further and fully investigate the matter is absurd! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations. I disagree with the decision as this debt is not mine, and I should not be held accountable for someone else using my information. Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : * FDCPA Section 809 ( b ) and FTC opinion letter Case from LeFevre : Fine of {$1000.00}. * Defamation, financial injury- US Court of Appeals, Ninth Circuit, No. 00-15946 Nelson v. Chase Manhattan : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. * Defamation, willful injury - FCRA Section 623 CUSHMAN v. TRANSUNION CORPORATION ; US Court of Appeals for the Third Circuit Court Case 115 F.3d 220, June 9, 1997 Filed ( D.C. No. 95-cv-01743 ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts.

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 2024-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I traded a car that was financed thru Truist on XX/XX/XXXX. I'd purchased XXXX  XXXX  at the time I purchased the vehicle. I reached out to Truist to obtain a status on my XXXX refund and they told me they'd sent a refund to me on XX/XX/XXXX. They sent the check to an address that was never on my loan. I've resided at the same address since that car was purchased XX/XX/XXXX, and they have not explained why the check was sent to another address. They told me they could not stop payment on that check or reissue because they were going thru a system conversion and could not give a date when they'd send out a new check. I've called every week since and I keep getting the same story. I've asked to speak with leadership and to date no one has called me back and my check has not been processed as of this past XXXX  XX/XX/XXXX when I last called.

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