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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Dear ( Debt Collector ) 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 : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. 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 XXXX 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 reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am receiving credit denials from XXXXXXXX XXXX and is dated XXXX. The name on the letter is directed to XXXX XXXX and is unlawfully using my home address as their address. I do not know this person and since my personal records have been stolen in the past year several times, I would like this name unassociated with my address. I have reported to all credit agencies that information could have possible been stolen. I have put freezes on my credit and have arranged to be contact if anyone tries to use my personal information.

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: HI

Complaint narrative:
15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code Notes prev | next ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
( Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title X, XXXX ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX. ) XXXX XXXX XXXX XXXX about... Articles from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How current is this? 

Sponsored Listings XXXX XXXX XXXX XXXX XXXX XXXX PREMIUM ( XXXX ) XXXX XXXXXXXX XXXX Real Estate Law, Business Law, XXXX XXXX XXXX XXXX XXXX Profile XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX, Business Law, Real Estate Law Website Email Profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, Personal Injury Website Email Profile XXXX XXXX XXXX XXXX XXXX XXXX

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair CreditReportingAct.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On Friday XX/XX/24 I received a long-awaited and much needed direct deposit from the XXXX in the amount of {$2500.00}. I attempted to transfer the majority of those funds, {$2300.00} to be exact, to my partner as he assists me with managing my money. Unfortunately, the transaction did not go through the first time so I tried it again thinking that it may have been a connection error or something of the sort. However, after trying it a couple more times and it failing without providing me an explanation as to why the transaction wasn't completing even though the funds were available I tried sending {$50.00} to my mother and that transaction too was denied without providing a reason. I then received an email stating that my account was suspended due to suspicious activity and that I needed to send a copy of my ID for verification and consider changing my password. I submitted the requested documents around XXXX XXXX on XXXX. I called support and asked if there was anyway they could expedite verifying those documents/my identity and unsuspend the account. However, I was told there was no way to get in touch with the XXXX or XXXX XXXX handling account freezes for suspicious activity and the rep I was speaking too didn't have the XXXX nor capability of unsuspending an account. I was disappointed to say the least. I was then told that it could take up to XXXX  days for the information to be verified and the freeze removed. I called XXXX  to follow-up but was told that this department only works XXXX  through XXXX  and there'd be no guarantee. 

I am experiencing a family emergency this weekend and not having access to my funds is causing me a hardship. 

I believe that it should be required that a reason be provided when a transaction fails and instructions should be given on how to avoid account suspension and proceed with the transaction. Had I known the activity was " suspicous '' I would not have attempted the transaction multiple times hopefully preventing account suspension.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) 1002.142 ( b ) 7 ). 
I have provided my photo ID along with the other required documents. 

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable terms which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 )

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: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had 11 months left to pay off on a 5 year loan with Wells Fargo for my XXXX XXXX. I spoke with a representative about a late payment which we came to an agreement for me to pay {$800.00} out of the {$1600.00} that was owed which I did. I was contacted my Wells Fargo at my job several times about my vehicle was scheduled for repossession. Even after I told them about the payment arrangement. One day they called my cellphone and stated that I lied about my place of employment because they went to repo the vehicle and couldnt locate it. I explained to the person on the phone that there are several courts in the county that I worked in but still didnt understand why my vehicle was being repossessed after paying what was agreed upon. The person continued to explain that they didnt want the money any longer and wanted the vehicle. They explained that they have refunded the {$800.00} I paid via a check in the mail and the vehicle WILL be repossessed and legal actions will be taken if I dont comply and return the vehicle. I was so confused and scared that I left the vehicle outside of the garage one night and sure enough the next morning it was gone and a week later a received a check for {$800.00}. Later they told me they sold the vehicle for {$9000.00} and that I need to pay for the difference. I didnt do it. Needless to say is I had less then a year to pay off the vehicle after paying for it for 4 years. This really devastated me. It was placed on my credit report as a repossession. It made it difficult for me to purchase another vehicle. Once I was able to obtain another vehicle I had to start all over again with a 5 year loan. I received an email some time ago about the lawsuit but never heard anything from anyone about the outcome. Please contact me either way.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act.

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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquired on : XX/XX/XXXX XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX Inquired XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX Inquired XXXX : XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXXnquired on : XX/XX/XXXX XXXXXXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on : XX/XX/XXXX XXXX  XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXXXXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXXXXXX XXXX Inquired on : XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on : XXXX CARD Inquired on : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on : XX/XX/XXXX ( all of these are hard inquiries by company 's that did not have XXXX authorization I DO NOT recognize inquiries and they are all fraudulent. )

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: Westlake Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX  Inquired XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired XXXX : XXXXXXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXnquired on : XXXXXXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on : XX/XX/XXXX ( all of these are hard inquiries by company 's that did not have XXXX authorization I DO NOT recognize inquiries and they are all fraudulent. )

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 — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 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 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 — Information belongs to someone else
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
XX/XX/year> I have been trying to dispute this account with ACIMA DIGITAL FKA SIMPLE since I do not recall applying for credit with their company. I have not received anything from them. 

Their contact information is down below Phone number ( XXXX ) XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UT XXXX

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief