vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Absolute Recovery Services, LLC
State: TX

Complaint narrative:
Owner of account had filed bankruptcy which was settled in court and paid {$3000.00} court agreement which was the remaining balance of lease. Now company trying to reclaim {$14000.00} which this account is settled by the owner of the account in bankruptcy case. I no longer was with the individual as this was settled back in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: CA

Complaint narrative:
XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XX/XX/year>, XX/XX/year>.

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 2024-11-09 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: WA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-11-09 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: WA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax reinserted a previously disputed fraudulent account from XXXX XXXX XXXX  on my credit report without notifying me, violating the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies notify consumers within five business days if a previously disputed item is reinserted. This lack of notification left me unaware of the accounts status, depriving me of the opportunity to re-dispute or address the issue further. This lapse not only risks damaging my credit rating but also limits my ability to manage the consequences of fraudulent activity effectively. Moreover, Equifaxs data breach was a contributing factor to the fraud on my credit report, making their failure to notify me even more concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: GA

Complaint narrative:
Inside the files with this email you will find my credit report with over 350 inquiries I am requesting for them to be removed as they are inaccurate and falsely reported theirs no way I requested for credit over 300 times Limitation on civil liability No business entity may be held civilly liable under any provision of Federal, State, or other law for disclosure, made in good faith U.S. 15 code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: LA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-11-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake portfolio management had purchase a lending portfolio from the original company I bought the car from. Was not notified by the original company at all. Continue to make payments to them. Received an email from westlake after reaching out to the I found out they now help the loan note. They also informed me that I was two payments behind. I explained the I made the payments to the other company a could provide proof. Was told it didnt matter but the would work with me on getting caught up. After make my regular payments plus extra to get caught up. I was only one payment behind. Talk to the company they said they could move a payment to the back of the loan to bring me current. For a {$50.00} fee. After I pay the fee in mid XXXX XXXX XXXX  Which was supposed to make my account current. The car was repossessed the first week of XXXX. Contacted them was told I would have to pay just over {$1200.00} to get the car back. Even though I was not late at that point. They sold the car at auction the following month. At first the proceeds of the sale were taken off my balance. Then went I tried to contact them to figure out the balance owed to make arrangements they said I still owed the whole amount. They refused to honor the stipulation of the loan contract and reduce the amount owed for the lease under the loan contract. They are trying to charge me a monthly lease along with a monthly rental fee on the car. Which I no longer have. The first time I disputed it with the credit bureau for the payment discrepancies. They removed the data showing the car was repossessed added back on my report the amount from the sale of the repossession making my balance higher. Every time I dispute it and send over evidence showing the information is incorrect. They report back more inaccurate information damaging my credit report. The XXXX was will remove it from my report. The other XXXX credit bureau keep letting them change it. They violate the terms of their own contract, there is no truth in lending agreement on the contract. On that alone it makes the contract not valid. This is a predatory loan. The only thing I wanted was them to honor the terms of their own contract so I could pay it off they refuse to do that and expect the whole amount to be paid in violation of the contract. I want my rights protected and can not seem to any protection under the laws meant to protect consumers from these types of companies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Using debit card Transactions when I had money in bank n was processed later which costed me overdraft fees. This happened several times over a period of months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have used WellsFargo for business and personal banking since XXXX. XXXX offered the XXXX financial transfer service for my business and personal money transfer needs. I use the service but have had problems with the transfers in terms of timeliness. On XX/XX/XXXX, at XXXX XXXX EST, I was notified by XXXX of a money transfer from a new customer who had an urgent need for my services. However, WellsFargo did not show receipt of those funds. I communicated with XXXX to determine if there was a problem. XXXX referred me to WellsFargo. The next morning I contacted WellsFargo and explained the situation and the urgency of the issue. The WF representative checked, said WF had not received the funds and that theybwere not responsible for any aspect of the transfer until the funds were received. The WF rep directed me to contact my customer and have them chase down the transfer. I asked for a supervisor and another WF rep was put on the call. After explaining about the issue again, I was told again to go back to my customer as it was not their responsibility until the funds were received. I then called XXXX and spoke to a representative who explained that WellsFargo had received the funds. My complaint is that WF gave me false information with the representation that they were an uninvolved party in this transfer.

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 2024-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Well it was back in XXXX of 2024 that I went to TitleMax to get a loan for {$3500.00} and many times I have walked in there with more than half and they wouldn't accept the payment there's also been many times that on their behalf I couldn't make payments because of their system being down or other reasons and I was penalized for it. I'm currently going through a lot of health issues from XXXX  with XXXX XXXX  XXXX XXXX and much more which I provided a documents and called customer service was transferred from one department to another asking if they can help me or somehow be patients being that I can not work cuz of my health issues. They're continuously refinancing my loan I've paid a total of almost {$9000.00} I feel as I'm never going to pay off my car it's literally cost me to have XXXX  problems I'm seeing us a XXXX  I'm on all kind of XXXX. Then on XX/XX/XXXX I had a doctor appointment to go to walk outside and my car was gone they repoed my car so on XX/XX/XXXX I went in there and paid almost {$2000.00} to get my car back then they tell me that I have to make an appointment to do so and their clothes on the weekends causing me miss more doctor appointments and then they also again refinance my car I need help. They have refinanced my loan four different times each of them coming out to a total of {$7.00}, XXXX each

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NC

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Greetings Agent, This COMMUNICATIONS is with Reference to the Alleged Contractual relationship, I have a right to an authenticated RECORD OF THE ACCOUNTING. I am not Paying anything, that I was not GIVEN the proper documentation for this DEBT. 
You REPORTED TO THE CREDIT AGENCY, THAT YOU HAVE WRITTEN ON THIS DEBT. BUT NEVER SENT ANYTHING TO PROVE YOU LOSS THE INCOME. You have a DUTY and or OBLIGATION to respond with appropriate information within the time frame allotted and or permitted by Law. Because this is associated with my rights applies respectively, The Fair Credit Reporting Act, The Fair DEBT Collection Act, The Truth In Lending Act, Penalties and Assessments and or Failure to Act or Failure to COMPLY with the STATUTORY Requirements, Please Be Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: FL

Complaint narrative:
CFPB COMPLAINT FOR REMOVER EVERYTHING INFORMATION Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against Experian, XXXX, XXXX, regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX 2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX XXXX. Incorrect Contact Information : The phone number is XXXX, please be updated as my primary contact number.

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill

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 2024-11-09 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: GA

Complaint narrative:
On XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, I sent a letter via certified delivery along with a copy of my state drivers license and social security card as verification and asked from all inaccurate Names, Addresses, Phone numbers, Employers and Social security numbers to be removed from my report. However, after multiple request the bureau still has mad no change with updating the information. This is a clear violation of the FCRA and this company will be liable for damages if not removed immediately.

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