vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: IL

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-06-28 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: IL

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I need to help me eliminate this information from my credit because it is affecting me. 

Account Name : XXXX XXXX XXXX XXXX. 
Account XXXX Balance {$0.00} Account Name : XXXX XXXX Account XXXX Balance {$0.00} Account Name : XXXX XXXX XXXX XXXX Balance {$620.00} Account Name : XXXX XXXX XXXX Account XXXX Balance {$4800.00} Account Name : XXXX XXXX XXXX Account XXXX Balance {$4800.00} 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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2024-06-28 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: LA

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake Financial Services Attn : Customer Service XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Return of Vehicle, Payments, Insurance Claims, Trade Value, and XXXX XXXX, Contract # XXXX Dear Sir/Madam, I am writing to request the immediate return of my vehicle, as well as the resolution of several related matters, following the wrongful repossession by Westlake Financial Services XXXX It is imperative that all associated payments, insurance claims, trade value, and equity security be addressed promptly and fairly. 

Firstly, I demand the return of my vehicle within XXXX hours from the date of this letter. As previously stated, Westlake Financial Services does not hold any contractual rights or authority over the vehicle, and the repossession was carried out without legal justification. Failure to comply with this demand will result in legal action to recover the vehicle, as well as any damages incurred as a result of the repossession. 

Additionally, I request the following actions to be taken : XXXX. Payments : All payments made towards the vehicle, down payment, & rebates ect.. whether to Westlake Financial Services XXXX XXXX XXXX or any other party involved, the jeep, title, & all due must be returned to me in full. This includes any down payments, monthly installments, rebates, insurance claims and any other fees or charges associated with the financing of the vehicle. 

2. Insurance Claims : Any insurance claims filed by Westlake Financial Services or its agents regarding the vehicle must be withdrawn immediately. I expect full cooperation in rectifying this matter with the insurance provider and ensuring that no negative consequences arise from these wrongful claims.

3. Trade Value : As the vehicle was wrongfully repossessed, I expect to be compensated for any trade-in value that may have been lost as a result. I request a fair assessment and payment of the trade-in value, based on the market value of the vehicle at the time of the repossession.

4. Equity Security : In the event that any equity has been built up in the vehicle, I demand that it be returned to me promptly. This includes any monetary value that may have been invested in the vehicle through modifications, improvements, or repairs.

I expect Westlake Financial Services to address these matters in a timely manner and provide a written response outlining the actions taken to rectify the situation. Failure to comply with these demands will leave me with no choice but to pursue legal action to protect my rights and seek appropriate compensation for the damages incurred.

Please acknowledge the receipt of this letter and provide a detailed response within 3days I trust that Westlake Financial Services will act responsibly and ethically in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-06-28 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: NC

Complaint narrative:
I am requesting a proper reinvestigation on my dispute, when it comes to providing proof of the verify information. I requested proof of documents, bank statements, or some type of data. To show I was late or missed a payment. Yet they fail to do so, which is a big VIOLATION. I demand that this error be reversed to PAID ON TIME / NEVER LATE or OK on my credit report! I am writing to dispute inaccurate late payments entry, on my credit report as allowed under the Fair Credit Reporting Act, specifically referencing 15 U.S. Code 1681a and 15 U.S. Code 1681s-2. As per these laws, furnishers of information to consumer reporting agencies are obligated to provide accurate information and are prohibited from reporting information with actual knowledge of errors. Under 15 USC 1681a 2 ( A ) ( i ), the term " consumer report '' excludes reports containing information solely as to transactions or experiences between the consumer and the person making the report. This implies that any information reported should be accurate and reflective of the actual transactions or experiences. Additionally, 15 U.S. Code 1666b further supports my right to dispute inaccurate information on my credit report. Upon reviewing my credit report, I have identified discrepancies that do not align with my payment history and financial behavior. Specifically, there is XXXX Bank - XXXX XX/XX/year>, XX/XX/year>, & XX/XX/year>. I am formally requesting an investigation into these inaccuracies and urge you to correct the information on my credit report accordingly. I also request that you provide me with a copy of the investigation results and any actions taken to rectify the errors. Please be advised that failure to comply with the Fair Credit Reporting Act may result in legal action. I expect a prompt resolution to this matter and appreciate your immediate attention to rectifying these inaccuracies.

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 2024-06-28 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 am requesting a proper reinvestigation on my dispute, when it comes to providing proof of the verify information. I requested proof of documents, bank statements, or some type of data. To show I was late or missed a payment. Yet they fail to do so, which is a big VIOLATION. I demand that this error be reversed to PAID ON TIME / NEVER LATE or OK on my credit report! I am writing to dispute inaccurate late payments entry, on my credit report as allowed under the Fair Credit Reporting Act, specifically referencing 15 U.S. Code 1681a and 15 U.S. Code 1681s-2. As per these laws, furnishers of information to consumer reporting agencies are obligated to provide accurate information and are prohibited from reporting information with actual knowledge of errors. Under 15 USC 1681a 2 ( A ) ( i ), the term " consumer report '' excludes reports containing information solely as to transactions or experiences between the consumer and the person making the report. This implies that any information reported should be accurate and reflective of the actual transactions or experiences. Additionally, 15 U.S. Code 1666XXXX further supports my right to dispute inaccurate information on my credit report. Upon reviewing my credit report, I have identified discrepancies that do not align with my payment history and financial behavior. Specifically, there is XXXX XXXX - XXXX XX/XX/year>, XX/XX/year>, & XX/XX/year>. I am formally requesting an investigation into these inaccuracies and urge you to correct the information on my credit report accordingly. I also request that you provide me with a copy of the investigation results and any actions taken to rectify the errors. Please be advised that failure to comply with the Fair Credit Reporting Act may result in legal action. I expect a prompt resolution to this matter and appreciate your immediate attention to rectifying these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-06-28 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: MI

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear, XXXX  I am writing to dispute the reporting of an inaccurate late payment on my credit file Acccount # ( XXXX ) for the date of XX/XX/year>. This entry is incorrect, and I request you investigate this matter and update this alleged late payment to an on-time status in the payment history. 
As part of this dispute, I demand that XXXX  provide the method of validation used, including all correspondences with any parties who claimed to validate these alleged late payments. This should describe the procedure TransUnion used to validate the accuracy and completeness of the information being reported. Please provide the names, positions, work phone numbers, work addresses of individuals who were involved in this validation process. 
Thank you for your attention to this important matter. I expect a response within the mandated 15 day period per the FCRA, beginning upon your receipt of this dispute.

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 2024-06-28 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 2024-06-28 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: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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