vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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:
I kindly request the deletion of this account from my credit record, as it does not pertain to me. Please conduct an investigation to address any other potential issues.

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 2025-01-02 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 kindly request the deletion of this account from my credit record, as it does not pertain to me. Please conduct an investigation to address any other potential issues.

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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
After payment to the car to regain possession, the payments have not been updated and they attempted to withdraw additional payment that I asked them to cancel. Additionally, they have sent communication to me in XXXX which is not my primary language and I can not understand. I contacted Wilshire on XXXX and informed them that I have been receiving communication letters in XXXX  and informed them I do not speak or read XXXX  and asked them to send me letter in English, the person on the other end stated that he does not know how I received those letters and that did I call the correct place. He also indicated that I did not know how I received them and does not see anything on their end. I asked to resend in English and asked for them to communicate only in English

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
My information was exposed in the data breech. Accounts I do not own have been added to my credit. Such and XXXX XXXX XXXXXXXX XXXX XXXX, and Transworld systems llc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: CL Holdings LLC
State: NV

Complaint narrative:
My information was exposed in the data breech. Accounts I do not own have been added to my credit. Such and XXXX XXXX Jefferson Capital LLC, and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 explanation
Consumer complaint received 2025-01-02 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: TN

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: GA

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX  Account Number : XXXX Reason : Im reaching out because I dont agree with the negative payment status and history reported on this account. Could you please provide copies of all statements showing the past due amounts for any missed payments and the exact date the account was marked as negative? 

Account Name : XXXX XXXX XXXX Account XXXX Reason : Im reaching out because I dont agree with the negative payment status and history reported on this account. Could you please provide copies of all statements showing the past due amounts for any missed payments and the exact date the account was marked as negative? 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Im reaching out because I dont agree with the negative payment status and history reported on this account. Could you please provide copies of all statements showing the past due amounts for any missed payments and the exact date the account was marked as negative? 

INQUIRIES : TRANSUNION 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 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 XXXXXX/XX/XXXX I believe these items are either inaccurately reported or have already been resolved, and Im requesting a thorough investigation and correction. Ive already reached out to the credit reporting agency and the data furnisher, but the issue remains unresolved. Ive attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please review this matter promptly and update my credit report to ensure it reflects accurate information.

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 2025-01-02 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX  Account Number : XXXX Reason : Im reaching out because I dont agree with the negative payment status and history reported on this account. Could you please provide copies of all statements showing the past due amounts for any missed payments and the exact date the account was marked as negative? 

Account Name : XXXX XXXX XXXX Account XXXX Reason : Im reaching out because I dont agree with the negative payment status and history reported on this account. Could you please provide copies of all statements showing the past due amounts for any missed payments and the exact date the account was marked as negative? 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Im reaching out because I dont agree with the negative payment status and history reported on this account. Could you please provide copies of all statements showing the past due amounts for any missed payments and the exact date the account was marked as negative? 

INQUIRIES : 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 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 XXXXXX/XX/XXXX I believe these items are either inaccurately reported or have already been resolved, and Im requesting a thorough investigation and correction. Ive already reached out to the credit reporting agency and the data furnisher, but the issue remains unresolved. Ive attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please review this matter promptly and update my credit report to ensure it reflects accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I took out a personal student loan of {$10000.00} through Navient in XXXX. In XXXX, after graduating college, I started making monthly payments and have been paying ever since. Around XXXX of XXXX I received notification that my Navient loan was being transferred to XXXX. In XX/XX/XXXX I was checking up on said transfer and realized for the life of the loan I have paid {$22000.00} and yet I still owe {$13000.00}. On XX/XX/XXXX I contacted XXXX to see what options I had for getting out of this debt cycle. Their response was to get another loan to lower rates. This shocked me, they have my loan but are unable to lower the interest rates? I asked XXXX which company I should go through and they suggested NAVI-REFI!!! I am now in the process of trying to shuffle through the shell game of 3rd party refinance because NAVI-REFI goes through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-02 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
This is a Notice to Infrom the following agencies XXXX ( XXXX XXXX XXXX XXXX  who Inquired/Conspired with EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/year> Violation under authority of XXXX XXXX Code XXXX XXXX of extensions of credit by extortionate means ( whoever knowingly participates in anyway, or CONSPIRES to do so, in the use of any extortionate means ) these two Corporations and their underwriters there of have conspired together to damage my consumer report Violating the FCRA Pursuant FCRA Section 605B it is illegal to report information on my credit report without my permission. 
Violating the FCRA Pursuant 15 U.S.C 1681b permissible purposes of consumer reports Pursuant FCRA Section 611 ( 15 U.S.C. 1681i ) unverified inquiries must be removed. 
I challenge these inquiries and it is my right to be compensated for these violation on my consumer report Pursuant 15 U.S.C. 1692k-Civil liability 2 ( A ) in the case any action by an individual, such additional damages as the court may allow, not not exceeding {$1000.00} Pursuant 15 U.S.C. 1691 & 12 CFR 1002 clearly states that I can not be Denied credit due to credit score, credit history, or income. Any adverse actions in consumer credit transactions is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is a Notice to Infrom the following agencies TRUIST ( XXXX XXXX XXXX XXXX  who Inquired/Conspired with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/year> Violation under authority of 18 U.S. Code 894 Collection of extensions of credit by extortionate means ( whoever knowingly participates in anyway, or CONSPIRES to do so, in the use of any extortionate means ) these two Corporations and their underwriters there of have conspired together to damage my consumer report Violating the FCRA Pursuant FCRA Section 605B it is illegal to report information on my credit report without my permission. 
Violating the FCRA Pursuant 15 U.S.C 1681b permissible purposes of consumer reports Pursuant FCRA Section 611 ( 15 U.S.C. 1681i ) unverified inquiries must be removed. 
I challenge these inquiries and it is my right to be compensated for these violation on my consumer report Pursuant 15 U.S.C. 1692k-Civil liability 2 ( A ) in the case any action by an individual, such additional damages as the court may allow, not not exceeding {$1000.00} Pursuant 15 U.S.C. 1691 & 12 CFR 1002 clearly states that I can not be Denied credit due to credit score, credit history, or income. Any adverse actions in consumer credit transactions is illegal.

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 2025-01-02 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: DE

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am currently XXXX and I receive XXXX a lot of my fee 's I paid out for overdraft charges over the years has been a lot of my check in which I'm already experiencing hardship. I have spoken with nfcu they only say they can do one waiver curiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I received an email from Capital One CreditWise service purporting to monitor my credit score.

I have not had a credit card or any type of relationship with Capital One since XX/XX/year>. 

I did not authorize the continuing " monitoring '' they claim to do. 

On the website there is not a readily available method to opt out of the service. Calls to customer service are met with a ten minute hold time. 

This is a privacy issue. However these tactics are not surprising coming from an underhanded company such as Credit One.

I cancelled all credit cards with Capital One due to poor service in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: NC

Complaint narrative:
Please remove from credit account as this is hurting my chances to own a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Americas Car-Mart, Inc.
State: TN

Complaint narrative:
On XXXX XXXX I bought a XXXX XXXX  from a company call XXXX XXXX on the day I bought it I had problems with it first the seat on the drive side was supposed to been fix but it never happens then my engine light came on I what back to them the same day and told them and nothing happens then I ask them can I get a trade In they said no XXXX I spent {$600.00} out of my pocket when I did not have it for a rental car that they supposedly reimburse back to me it never happened. Then they told me to get in touch with a company call XXXX XXXX am on a fix income and can afford to get this car fix where I can get my XXXX XXXX back and forth to XXXX and it hard XXXX  me get another vehicle so can I get some help thanks

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation