vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I leased a vehicle in XXXX from XXXX on a XXXX year lease ( never been late on any of my payments ). I had to return the vehicle i believe at the end of XX/XX/XXXX. I ended up purchasing the vehicle in XXXX of XXXX. After i purchased the vehicle and had another loan with another company which is XXXX, several months later XXXX started sending me letters stating i owed approximately XXXX for taxes that they paid for local taxes after the transaction was completed after the transfer was complete. They were spoken to on the phone and they were told that i don't owe that money, that there problem is with the town not me. my transaction was complete. XXXX ended up writing off the XXXX. After they wrote off the debt, XXXX reopened my account on my credit and starting wacking my credit report and is still wacking it with all negative ruining my credit and i had a XXXX XXXX.!! They are also harrasing me almost every day. XXXX times, they called my husband which had nothing to do with the transaction, spoke to him in detail about my issue. He told them specifically not to contact him and they still did. Im sure they have this on recording and he will testify as to such.! My husband is not even on my checking account that writes the checks.! I have also told them i do not owe this debt. I have now had to block their number and they try to call with all kind of crazy numbers trying to get through.

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 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
XX/XX/year> @ XXXX - Received a phone call from ( XXXX ) XXXX telling me they need to serve my spouse a sealed envelope from someone suing or seeking arbitration. As I inquired for what and from whom they replied XXXX XXXX is the one serving us for arbitration matter and for them not to render services my spouse needs to contact them immediately to ask for a release order. 
The provided the company name and telephone number as ( XXXX ) XXXX and gave a file Number # XXXX - XXXX My spouse contact them and was informed he they had mailed several items to an address in GA and one in XXXX XXXX ( former previous address years ago ) and owed money to a lender he never heard of. He asked them to send the info to him to review. 

XX/XX/year> @ XXXX I followed up again and called ( XXXX ) XXXX back to someone who answered to a name XXXX and wanted to verify the name of the process server company that will render services. When I asked for a manager or clarification they are a real company and was asked what state I was in and I said Florida. I was placed on hold and then was informed they work for attorneys all over the US and they could not give any more info then she yelled that the envelope is sealed and was hung up on. 

XX/XX/year> @ XXXX - I called back ( XXXX ) XXXX and XXXX answers and states he will transfer my call When I explained I would like information on their company. The person with the same exact voice picks up like its been transferred as XXXX, lead paralegal for XXXX XXXX. He does not know what a EIN number is and can only provide the business address as XXXX XXXX XXXX, XXXX DC XXXX. He states the CEO is named XXXX XXXX and places me on hold to see if he is available. 

The numbers are the same and they same persons answer the number for XXXX XXXX ( XXXX ) XXXX and the process server company ( no name provided ) ( XXXX ) XXXX. I believe they are scammers trying to commit identify theft and am trying to stop them for harassing others. Please advise this will be investigated and advise if we can press charges since it is only phone numbers. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-12 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: SC

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
Consumer complaint received 2024-06-12 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: SC

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 2024-06-12 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-12 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-12 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: FL

Complaint narrative:
I've contacted XXXX XXXX, XXXX and Experian via certified to dispute the inaccurate information the company is reporting on my consumer report. The account is a charge off. I was not provided with a 1099-C form from the IRS. According to the IRS, the canceled debt is considered income. The company is in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( a ). Also, the company has responded by validating the account with a list of payments. I requested documentation bearing my signature. The response was sent via email instead of providing a letter through the US postal service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
The bank closed my account on XX/XX/year>. It has been 60 days and I havent received my remaining funds. The account hasnt been closed it is in a credit only status.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX I submitted all documents for a loan modification for help due to hardship since the government shut down in XX/XX/XXXX to the COVID 19 Pandemic and job loss due to both I had loss of income, the economy and prices of everything had rose that I am only XXXX  person supporting myself and making all bills, my electric bill had increased over 4 times the amount and my water bill had increased due to repair work that needed to be done which cost more money and more problems with other situations on my property that effected and cost more money and I made my first loan modification once approved and then I made my second payment at which once that was made I made my third payment to be free of late fees, interest charges, and any type of delinquency and a fresh start with longer terms lower interest rate and my payment was suppose to be $ XXXX month and XX/XX/XXXX I made that payment and never did I get any paperwork so I reached out to ask about this so ensure my modification was completed since I was told I would have to get a notary from which wells fargo will provide to come to my house and never would they return my call, never did they have anyone come to my house or inform me to go to a branch to sign and get documents for this new modification. I found out they ended up selling my mortgage loan to XXXX XXXX in XX/XX/XXXX and I have had a struggle ever sense because XXXX  never got documents as promised about my modification and none of my loan information transferred other than the debt and the accrued debt that was never taken off my mortgage account and ALOT of legal fees of {$49000.00} so instead of owing {$67000.00} for my entire loan I owed over {$100000.00} which I didn't even pay {$100000.00} for my mortgage initially. I have had a problem getting anyone to answer anything at XXXX and they know nothing about my loan of 11 years with Wells Fargo they have now taken over and I am in Foreclosure but currently Filed Bankruptcy due to all of this.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.

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 2024-06-12 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: IN

Complaint narrative:
PLEASE BLOCK AND REMOVE It is XXXX to acknowledge that I did not authorize these accounts, and their presence is causing me significant XXXX. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: LA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-12 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: NM

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice.

Please send all correspondence related to this matter to the address listed above.

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 2024-06-12 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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:
Equifax, and XXXX has been violating my rights under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am seeking {$1000.00} per violation for : Damages for a Willful Violation 15 U.S. Code 1681n - Civil liability for willful noncompliance Damages for a Negligent Violation 15 U.S.C. 1681o I asked several times for my credit report to be properly reported, and my demands have been neglected. In my most recent credit dispute, i specifically highlighted the accounts i was disputing, but instead Equifax, and XXXX deleted other positive accounts that i did not include in my dispute, and verified the accounts i disputed as accurate, without a complete report. They Deleted my XXXX XXXX XXXX XXXX XXXX auto loan accounts which I've had for at lease 4 years, over 7 years for my auto loan account. I have asked several times for proof of investigation, and proof of method of verification, and also my demands have been ignored or neglected. They are willingly neglecting me, damaging my image and personality by improperly reporting my credit, and getting me denied for applications. I was recently denied a rental application because of this. I am unable to obtain any other items because I get told I don't have any old accounts on my credit, and it has tremendously affected my life, to the point my family and I are homeless. I am seeking {$1000.00} per violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DPEDXXXX Account Number : XXXX Account Name : DPEDXXXX  Account Number : XXXX Account Name : DPEDXXXX  Account Number : XXXX Account Name : DPEDXXXX Account Number : XXXX Account Name : DPEDXXXX  Account Number : 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