vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 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: TX

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

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 2023-11-22 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: IL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. 
The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00}.

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
Consumer complaint received 2023-11-22 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: IL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. 
The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items DELETED from my credit reports effective immediately. I am attaching prof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit reports. XXXX has already deleted the identified accounts from my credit report due to the data breach. 

XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX 
Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # 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 2023-11-22 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: AL

Complaint narrative:
I disputed an account with XXXX XXXX twice for incorrect information being reported on my credit report. I requested that the company provide documentation to prove the payment history because the payment history is reporting inaccurate and incomplete information, which is a violation of the Fair Credit Reporting Act. The company did not provide documentation of the payment history. It has been 3 months since they received my dispute. The time is up to respond and now this account must be deleted from my credit reports.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
I disputed an account with Security Finance twice for incorrect information being reported on my credit report. I requested that the company provide documentation to prove the payment history because the payment history is reporting inaccurate and incomplete information, which is a violation of the Fair Credit Reporting Act. The company did not provide documentation of the payment history. It has been 3 months since they received my dispute. The time is up to respond and now this account must be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: AR

Complaint narrative:
I trust this message finds you well. I am writing to express my deep frustration and dissatisfaction with the ongoing challenges I am facing in removing inaccurate items from my credit file, despite numerous attempts to delete this issue. 
I have diligently reported and disputed inaccuracies on my credit file with 3 Credit Bureaus. Regrettably, despite my persistent efforts, these inaccurate entries persist, negatively affecting my creditworthiness and causing significant stress. 

I have submitted detailed disputes on the following dates. Each time, I provided supporting documentation and clarification to rectify the inaccuracies. However, to my dismay, the deletions have not been implemented, and the inaccuracies continue to tarnish my credit history. 

I understand the importance of accuracy in credit reporting and the need for a thorough investigation. However, the prolonged presence of these inaccuracies is both perplexing and damaging to my financial well-being. 

I urge you to escalate this matter and conduct a comprehensive review of the inaccuracies on my credit file. I have made consistent efforts to provide the necessary information for a thorough investigation, and I believe a prompt resolution is crucial. 

It is my expectation that Credit Bureaus takes immediate and effective action to correct these inaccuracies. I request clear communication regarding the steps being taken to address this issue and insist on receiving a specific timeline for the removal of the inaccurate items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX AM XXXX Balance Owed : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX PREMIUM XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-11-22 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: AR

Complaint narrative:
I trust this message finds you well. I am writing to express my deep frustration and dissatisfaction with the ongoing challenges I am facing in removing inaccurate items from my credit file, despite numerous attempts to delete this issue. 

I have diligently reported and disputed inaccuracies on my credit file with 3 Credit Bureaus. Regrettably, despite my persistent efforts, these inaccurate entries persist, negatively affecting my creditworthiness and causing significant stress. 

I have submitted detailed disputes on the following dates. Each time, I provided supporting documentation and clarification to rectify the inaccuracies. However, to my dismay, the deletions have not been implemented, and the inaccuracies continue to tarnish my credit history. 

I understand the importance of accuracy in credit reporting and the need for a thorough investigation. However, the prolonged presence of these inaccuracies is both perplexing and damaging to my financial well-being. 

I urge you to escalate this matter and conduct a comprehensive review of the inaccuracies on my credit file. I have made consistent efforts to provide the necessary information for a thorough investigation, and I believe a prompt resolution is crucial. 

It is my expectation that Credit Bureaus takes immediate and effective action to correct these inaccuracies. I request clear communication regarding the steps being taken to address this issue and insist on receiving a specific timeline for the removal of the inaccurate items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Mortgage lender can not pull equifax report. They are saying their IT department is receiving a message saying Information from your inquiry has been identified as potentially fraudulent or misused, therefore the credit report is not available for delivery. I have reached out to equifax and there are no freezes or frauds are reported. Also reached to the company pulling report and was also told there are no flags reported. We are in a time crunch to get this report and no one seems to know whats going on. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am not liable for this debt of {$4800.00} with XXXX XXXX XXXX account number XXXX. I do not have a contract with XXXX XXXX XXXX. This company did not provide me with the original contract that stated I have a contract with XXXX XXXX XXXX along with my wet signature and id verification. The contract provided is inaccurate and has been rescinded. This company is illegally impersonating themselves as an auto loan installment on my credit report but they are an official debt collection agency. Which is in fact a violation to my rights under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Westlake Portfolio Management has reported late payments that are negatively affecting my credit reports which is a violation as well.

In accordance with the Fair Credit Reporting Act this creditor has violated my right 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose

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 2023-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glasser and Glasser, PLC
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to lodge a formal complaint against XXXX XXXX  and their collection agency, Glasser and Glasser PLC, for non-compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in their handling of an alleged debt. 

Description of the Incident : The sole correspondence I received regarding the alleged debt was from Glasser and Glasser PLC, representing XXXX XXXX. This initial contact occurred on XX/XX/. Subsequently, I sent a written request for debt validation to Glasser and Glasser PLC within the required 30-day period, as outlined by the FDCPA. This request was dispatched on XX/XX/ via certified mail. A copy of this letter is included in the attachments for your reference. 

Violation of FDCPA : Under the FDCPA, collection activities must be suspended upon receiving a written request for debt validation until the debt is confirmed ( 15 U.S.C. 1692g ( b ) ). However, neither XXXX XXXX  nor Glasser and Glasser PLC has acknowledged my request or provided the necessary validation, yet they continue with their collection efforts. This behavior is a clear violation of the FDCPA. 

Violation of FCRA : The FCRA mandates accurate credit reporting. The continuation of reporting this unverified debt by XXXX XXXX  could potentially be erroneous, adversely affecting my credit score and report. This situation may constitute a violation of the FCRA 's requirements for accurate and fair credit reporting. 

Request for CFPB Intervention : I respectfully urge the CFPB to investigate these potential violations. The ongoing collection activities and credit reporting, despite my unacknowledged request for debt validation, are concerning and may negatively impact my financial health. 

Attachments : Enclosed are copies of the correspondence from Glasser and Glasser PLC, my written request for debt validation ( refer to the attached letter sent to Glasser and Glasser PLC ), and any other pertinent documents. 

Conclusion : I seek the CFPB 's assistance in resolving this matter and ensuring my rights under the FDCPA and FCRA are protected. I am available to provide further information as needed for your investigation. 

Thank you for addressing this important issue. I look forward to your prompt response and a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX XXXX which is a XXXX party company XXXX  ( stole ) my vehicle on XX/XX/2023. I was not given proper notice from the original creditor, PenFed Credit Union which a complaint will be filed against them as well. I did not receive a letter from PenFed the original creditor until on or about XX/XX/2033 and it is dated as mailed out XX/XX/2023, however my vehicle was repossessed ( stolen ) on XX/XX/2023. PenFed Credit Union gave XXXX XXXX XXXX which is a XXXX party company all of my personal information without my permission or authorization. I never entered into any contracts or agreement with XXXX XXXX XXXX so PenFed provided my personal information to this company which is a violation. I did not give them permission or authorization to use my information ( name, address ect ), nor did I give them permission to take my vehicle. 

There are things PenFed never disclosed to me in my original contract including they did not give me notice of my right to recission, they are reporting late payments on credit report and using unfair practices. Penfed failed disclose many things to me which are outlined in the letter that was mailed to PENFED on XX/XX/2023. They are threatening to sale my vehicle on XX/XX/2023 without giving me time to respond or dispute and failure to give me any notification prior to illegally stealing my vehicle. 
I

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 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My insurance company uses a third party vendor for roadside assistance. The vendor 's name is a XXXX. 

XXXX  Mistakenly build my credit card at capital one. They sent me a letter saying they won't refund the account until I cancel my dispute with capital one. I forwarded the letter to capital one and they have received it. However capital one will not honor my request to continue the dispute with the vendor. They have arbitrarily closed my case even though I sent them the letter where the vendor says they charged my account in error Capital One 's refusal to take my complaint seriously in light of the evidence I have provided Is a clear-cut example of capital One 's failure to take this process seriously...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
This debt collector engaged in XXXX, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.

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
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I disputed an account with XXXX XXXX twice for incorrect information being reported on my credit report. I requested that the company provide documentation to prove the payment history because the payment history is reporting inaccurate and incomplete information, which is a violation of the Fair Credit Reporting Act. The company did not provide documentation of the payment history. It has been 3 months since they received my dispute. The time is up to respond and now this account must be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: SC

Complaint narrative:
INQUIRIES ( Transunion ) 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX  XX/XX/XXXX 5. XXXX XX/XX/XXXX Late Payments : XXXX XXXX/ XXXX  1. XX/XX/XXXX 2. XX/XX/XXXX 30-59 days late

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