vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Subject : Formal Complaint Regarding Breach of Contract and Wrongful Vehicle Possession by Westlake Portfolio Management To Whom It XXXX Concern : I am writing to formally file a complaint against Westlake Portfolio Management regarding the wrongful repossession of my vehicle after a single missed payment. This action constitutes a breach of contract and unfair business practices. 
Summary of the Issue : XXXX. Wrongful Possession of Vehicle on XX/XX/year> : The vehicle was repossessed after only XXXX missed payment, without proper notice or adherence to contractual terms regarding repossession. 
XXXX. Inconsistent Payment Amounts Provided : I have been given XXXX different amount to redeem vehicle within the last XXXX days, creating confusion and preventing resolution of the issue. The amounts were {$440.00} by XXXX XXXX, {$10000.00}, {$11000.00}, {$720.00} by XXXX then {$4000.00} XXXX. Urgent Need for the Vehicle : I depend on this vehicle for essential daily activities, taking my daughter that I have custody of to and from school everyday, including employment and personal responsibilities, making this repossession extremely disruptive. 
XXXX. Failure to Resolve the Issue : Attempts to resolve this matter have been unproductive, as no clear or consistent communication has been provided. Despite my willingness to rectify the missed payment, the company has refused to offer a reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX : number XXXX XXXX XXXX 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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

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 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
On XX/XX/year> I received an interest accrual notification, I am on the XXXX Plan, there should be no interest accruing at this time due to pending litigation and the fact the interest rate is 0 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation I realized that my personal information was exposed in several different data breaches as well. I have no recollection of applying for any of the accounts in question and they are negatively impacting my credit severely. Per section XXXX XXXX XXXX XXXX, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days. 

These fraudulent accounts are not only damaging my credit, but they are also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further damage to my financial well-being.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation I realized that my personal information was exposed in several different data breaches as well. I have no recollection of applying for any of the accounts in question and they are negatively impacting my credit severely. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit, but they are also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further damage to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation I realized that my personal information was exposed in several different data breaches as well. I have no recollection of applying for any of the accounts in question and they are negatively impacting my credit severely. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX  days. 

These fraudulent accounts are not only damaging my credit, but they are also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further damage to my financial well-being.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize nor authorized.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX : number XXXX XXXX XXXX XXXX : number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This account is not mine. I have no knowledge of this account. I have reached out to the creditors to let them know that this is not my account please remove off of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
A few months go a received a {$100.00} XXXX gift card distributed by InComm Financial Services. The first time I I tried using the card I was told the card is invalid. I clled the number on the back and gave the representative all the information about the card. He said he can tell the card was invalid but did not know the reason why ( but he assumed it was not loaded properly ). I was given a control number - XXXX - and was told they will fix the issue in XXXX weeks but that I needed to send an e-mail with all the info. I did that, including the front and back of the card. After I waited and nothing happened I wrote to them again and they replied that they also need both the packaging and the receipt from where the card was bough or a journal entry showing the same. I replied that this was a gift card I received as a gift and I do not have the packaging nor the receipt as I am not the one I bought the card. So for the past XXXX  months I have been going back and forth on this subject - they ask for the same things over and over and I try to explain that I do not have those things because again, this was a gift card received as a gift. I believe I am just getting form letters as no one is attempting to fix the issue, and they are probably thinking I will just give up. I do not know if this is part of their business model, not paying customers for their invalid cards, making unreasonable requests and hoping they give up but from the way they're acting it seems like it is. I am attaching the front and back of the card as well as the last email I got from them ( the previous ones were similar to this ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Subject : Complaint Against TransUnion for Reinserted Fraudulent Account in Violation of FCRA Complaint Details : I am filing this complaint to address TransUnions improper reinsertion of a previously disputed and deleted fraudulent account, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

Background : I am a victim of identity theft due to the XXXX data breach, which resulted in fraudulent accounts appearing on my credit report. Following my dispute, TransUnion initially removed the fraudulent XXXX XXXX XXXX XXXX XXXX account ( Account Number : XXXX ) ** from my credit report, acknowledging its unauthorized nature. However, this account has now been reinserted without proper notification or compliance with the FCRA 's procedural safeguards.

Violation of the FCRA : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a consumer reporting agency reinserts previously deleted information, it must : Notify the consumer in writing of the reinsertion within XXXX business days. 
Provide the consumer with the name, address, and telephone number of the furnisher of the information. 
Ensure the reinsertion is based on a certified determination of accuracy by the furnisher. 

TransUnion has failed to comply with these requirements, as I received no notice of the reinsertion and no explanation regarding its certification or the source of the information. 

Impact : The reinsertion of this fraudulent account has caused ongoing harm to my credit report, creditworthiness, and peace of mind. XXXX actions not only violate federal law but also exacerbate the challenges I face as a victim of identity theft. 

Resolution Requested : I request that the CFPB : Investigate TransUnions noncompliance with the FCRA. 
Compel TransUnion to permanently delete the XXXX XXXX XXXX XXXX XXXX account ( Account Number : XXXX ) ** from my credit report. 
Require TransUnion to provide a detailed explanation of its reinsertion practices and the safeguards it employs to ensure compliance with the FCRA. 
Enforce penalties for XXXX failure to adhere to federal law and protect consumers. 
Thank you for your prompt attention to this matter. I look forward to a resolution that upholds my rights under the FCRA.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. UNAUTHORIZED INQUIRES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have been issue a Chase check from XXXX  XXXX XXXX XXXX after XXXX  days of waiting. It was the security deposit I got back after the end of my lease. When I went to Chase bank, I have been told the check is not valid and I have to see with XXXX  XXXX so I can be issued another check and then cancelled the endorsements of my check. I tried to cash it out in many institutions but they all denied my check too. I was counting on that money to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS FARGO DENIED me A LOAN MODIFICATION AND LATER LOST YOUR HOME TO FORECLOSURE, which caused me to pay over $ XXXX to recuperate my home through a modification that never went through but took my money. I am in a very low income zone and I was neglected due to my limited resources I contacted the bank on multiple occasions to request how I get reimbursed from the lawsuit proceedings and never got back to me.

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 2024-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint paid the previous owner 's supplemental tax bill, including late fees that had been delinquent, out of my escrow without my knowledge ( I had actually called them and told them specifically not to pay this bill as they had previously threatened me that there is delinquent taxes on my account ) and now keeps telling me lies. The previous owner flipped the house ( doing all remodels without obtaining the necessary permits and lying about it on the disclosures, thus already causing more than enough expenses for me to fix up his bad work ) and owned it between XX/XX/year> and XX/XX/year> at which point I purchased it for XXXX XXXX. The event date triggering the supplemental tax bill shows clearly on the tax statement ( see attached ) and I already paid my supplemental tax. I have been in direct contact with the county tax collector and have been told repeatedly that this is not my bill to pay. I have spent hours on the phone with their tax " experts '' over this already, and it still is not resolved. What they are doing is completely illegal. Also, my regular annual tax that they allegedly paid to the tax collector has not arrived there after XXXX weeks. Moreover, they had disbursed {$16000.00} to me after an escrow analysis without first asking me and then I had to cash the check and pay it back into my escrow account as I knew that property taxes were a lot higher now since I purchased it last year. They have no knowledge whatsoever and cost me a lot of my time at work spent on the phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I received an email from my student loan service or telling me that I had interest due. Despite the fact that according to all contracts and information that I have received through official channels. They're even messier than before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There is information on my consumer report that is a result of identity theft. i did not provide written permission for the identied transaction to be reported on my consumer report. i am demanding that the information be locked and deleted. my request to block is not being made in error, nor is my request to block the identied transactions as information related to any transaction by me 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 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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. V gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such that in fact, therefore exist. ( please remove these account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX balance {$840.00}.

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