vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 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: MD

Complaint narrative:
XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX MN, XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX MN, XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

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 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
CB INDIGOXXXX credit card {$300.00} credit limit-Highest balance {$76.00}. opened XXXX XXXX. Closed-updated XX/XX/year>. Contacted them to ask them about the account. Gave them my information they could not find me in there system. Told me to dispute the info to get it remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I am writing to address a series of inaccuracies regarding my auto loan account with Chrysler Capital. The following details outline the discrepancies and actions taken : Account Information : Inaccuracies Identified : Date Opened : The account was reported as opened on XX/XX/XXXX, whereas it should be XX/XX/XXXX. 
Date Last Active : The account was reported as last active on XX/XX/XXXX, but it should be XX/XX/XXXX. 
Date Last Payment : There is no reported payment date, but the accurate last payment was on XX/XX/XXXX. 
High Credit : The reported high credit amount is {$19000.00}, which is incorrect ; the correct amount is {$19000.00}. 
Last Reported : The account status was inaccurately reported on XX/XX/XXXX and XX/XX/XXXX. 
Account Status and Details : Account Status : The account is reported as derogatory and in collection/charge-off status. However, the information regarding these statuses is incorrect.

Monthly Payment : The reported monthly payment status is missing.

Balance Owed : The balance owed is not provided accurately.

Account Term : The term was reported as 74 months, which appears correct but is noted for completeness. 
Actions Taken : Repossession and Sale : The vehicle was repossessed and sold by Chrysler Capital. Despite this, the reporting of the account as a bad debt is incorrect and reflects incorrect days and information. 
I kindly request that the companies involved review and correct these inaccuracies to accurately reflect the status and details of the account. Thank you for your attention to this matter. Previous Communication : I previously reached out to Chrysler Capital to notify them of these inaccuracies and requested corrections. Unfortunately, no corrective action was taken, and the incorrect information remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: T.S. Holdings
State: NC

Complaint narrative:
The address associated with my report i am not familiar with and should not be associated with my acct and inquiries were denied and they still are affecting my acct but most of all there are hard inquiries that denied me and i still see them reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am submitting this communication to Synchrony Bank regarding alledged account XXXX XXXX # XXXX illegally REINSERTED violating the FCRA XXXX is now reporting in the CLOSED section on my XXXX credit report as of today XX/XX/XXXX. 

Therefore, I am submitting this communication under the provisions of FCRA XXXX ( a ) ( XXXX ) ( XXXX ). 

I submitted my dispute via CFPB # XXXX on XX/XX/XXXX and received a response via CFPB XXXX XXXX XX/XX/XXXX stating account was DELETED. See Screenshot Attached ). Why was this account Illegally REINSERTED and again reporting in the CLOSED section of my XXXX credit report again today XXXX. 
Synchrony bank has illegally REINSERTED this account and I will get a lawyer if this alledged account is not DELETED again immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CARCO Group, Inc.
State: NJ

Complaint narrative:
Tuesday, XX/XX/2024, Screen ID formerly known as In Quires Screening emailed me a notice of adverse action regarding my background check. Since then I have been unable to assume my duties at my job. After a month of trying to get a response from Screen ID, they finally review the information the obtained and sent me back a semi-corrected background report. Screen ID has acknowledged by this correction that they have made a grave error on their part but have yet to send any form of apology or remedy for the harm and loss I've suffered at their mistake. 15 U.S.C.1681 clearly states how vital the roles of reporting agencies are and the responsibility they have. I require for Screen ID to take responsibility for their actions that have caused my unemployment and financial difficulties due to their negligence. This mattered can be settled outside of court if they contact with a fair remedy otherwise I will be pursuing all legal actions. I want a response withing 1 week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1631 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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:
Inaccurate and different information from account # XXXX XXXX between experian and XXXX. According to the FCRA, the XXXX reporting agencies have to remove all inaccurate or unverifiable information from credit reports, please remove this from my credit report now. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I have been using them for XXXX  years. Now suddenly every payment is canceled. It's crucial to pay my power and Internet at my home in XXXX. I asked to speak with a supervisor. He had me email my ID and said he would get back to me and didn't. I tried everyday and called again on Friday and XXXX, whom I spoke to said she would look into it and call me back that day and she didn't. I'm attaching a copy of the cancelations and the transactions I've done in the past. Due to them not paying my boyfriend who car broke down in XXXX XXXX he had a XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kehoe Financial Group, LLC
State: TX

Complaint narrative:
The debt collection company Kehoe Financial is seeking to collect debt on behalf of the XXXX XXXX XXXX, XXXX, for a traffic violation that I committed on XX/XX/XXXX, while I was driving a rental car in XXXX, XXXX. Per Italian law, police must notify the rental car company within 90 days of the offense to send the name of the renter to the policy. The rental car company must give renters information to police within 60 days of receiving a notice. 
From the date police receive information on the renter who committed the violation ( 150 days would be absolute max, assuming everyone took the maximum time allowed ) the police/municipality of jurisdiction have 360 days to notify the driver ( me ). 
The offense date was XX/XX/XXXX. I add 150 days for police/rental company back and forth leads to a date of XX/XX/XXXX. Adding 360 days to that is XX/XX/XXXX. The municipality is required by law to mail notification of traffic fines via raccomandata i.e. certified mail. They therefore would have the tracking and receipt that the notification was deliver to my address by XX/XX/XXXX. 
If Kehoe Financial can not provide evidence that the XXXX XXXX XXXX delivered the fine to me by XX/XX/XXXX, the debt that Kehoe Financial is attempting to collect on behalf of to the XXXX XXXX XXXX is invalid as they missed their 360 day notice deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I called both companies that listed in the inquiry. XXXX XXXX said we don't know what you are talking about. Call the company listed that pulled your information/Hard Inquiry. 
I reached out to the other company called XXXX XXXX XXXX. They said it's not us call the company listed on your credit report. I called XXXX. They hang up the on me. 
Here is the hard inquires they put in my credit report. I called XXXX, they took information from me and sent me letter confirming of the deletion of all XXXX inquires in my credit report. I thought it was just them but I found out the other XXXX are reporting. When I reached out to Equifax, they refused to delete it even after telling them I have seen this in my XXXX via my bank ( XXXX XXXX XXXX ) I asked to speak with a manager. The manager demand that I send them a Copy of my social security cared, my driver 's license and a copy of this complaint. 
This is why I am filing this complaint. 

ALL FO THESE ARE HARD INQUIRIES ON MY CREDIT REPORT XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
I called Navient on XX/XX/24 asking for a copy of each signed loan agreement and they told me I needed to submit it in writing, so I did through the portal. I received a letter back saying they would mail it to me and to allow XXXX days to process. Ive never received my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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:
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 2024-08-25 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: 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 explanation
Consumer complaint received 2024-08-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
failure to correct my name and remove unauthorized credit inquiries from my credit report despite multiple requests. This issue has caused unnecessary harm to my credit report and financial well-being. 

Issue 1 : Incorrect Name Reporting My correct name however, Equifax has incorrectly reported my name on my credit file. I have submitted a request to correct this information along with the required documentation, including proof of identification and proof of address. Despite providing this information, Equifax has failed to update my name on my credit file.

Issue 2 : Unauthorized Credit Inquiries I have also identified unauthorized credit inquiries on my Equifax credit report from the following entities : XXXX XXXX, XXXX XXXXXXXX XXXX These inquiries were not authorized by me, and I have requested their removal from my credit report. I provided Equifax with an FTC Identity Theft Report ( XXXX ) as proof of the unauthorized activity. Despite this, Equifax has not taken action to remove the inquiries from my report. 

Supporting Documents I have submitted the following documents to Equifax to support my requests : Proof of Identification ( Category 1 document ) Proof of Address ( Category 2 document ) A copy of the FTC Identity Theft Report ( XXXX ) The letter received from Equifax regarding this matter A noticed document outlining variations, if applicable Conclusion I believe Equifaxs failure to correct my name and remove these unauthorized inquiries is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). To ensure that Equifax promptly corrects my name and removes unauthorized inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
This credit card company charged me interest that is illegal in the state that I lived in. The company agreed to close this credit account but it has now been sent to a collection agency illegally negatively impacting my credit. The collection company has also illegally threatened a lawsuit and I live in the state of nc now where this balance is more than XXXX years old. They need to remove the balance and delete this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation