vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: Conn's, Inc.
State: TX

Complaint narrative:
My information was exposed in a data breach and this information need to be removed. I ask don't turn my dispute into a third-party dispute under section 605 b this should be removed within 4 days. I've still been waiting for this to be deleted. I dont need theft to fix my whole credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
My information was exposed in a data breach and this information need to be removed. I ask don't turn my dispute into a third-party dispute under section 605 b this should be removed within 4 days. I've still been waiting for this to be deleted. I dont need theft to fix my whole credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and bankruptcy records have been added to my credit file. Pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts and records be blocked and deleted from my credit report. The following fraudulent bankruptcy records and accounts have been identified : Fraudulent Bankruptcy Records XXXX. Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX - Filed : XX/XX/XXXX - Amount : {$0.00} XXXX. Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Filed : XX/XX/XXXX - Amount : {$0.00} XXXX. Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX - Filed : XX/XX/XXXX - Amount : {$0.00} Fraudulent Accounts XXXX. XXXX XXXX XXXX - Account # XXXX  - Date Opened : XX/XX/XXXX - Amount : {$770.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$510.00} Fraudulent Inquiry XXXX. XXXX - Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and bankruptcy records have been added to my credit file. Pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts and records be blocked and deleted from my credit report.

The following fraudulent bankruptcy records and accounts have been identified : Fraudulent Bankruptcy Records XXXX. Bankruptcy XXXX XXXX - XXXX # XXXX - Filed : XX/XX/XXXX - Amount : {$0.00} XXXX. Bankruptcy XXXX XXXX - XXXX # XXXX - Filed : XX/XX/XXXX - Amount : {$0.00} XXXX. Bankruptcy XXXX XXXX - XXXX # XXXX - Filed : XX/XX/XXXX - Amount : {$0.00} Fraudulent Accounts XXXX. XXXX XXXX XXXX - Account # XXXX  - Date Opened : XX/XX/XXXX - Amount : {$770.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$510.00} Fraudulent Inquiry XXXX. XXXX - Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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 formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts have been opened in my name. I am requesting that all such accounts and inquiries be blocked and permanently deleted from my credit report, as provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Below are the accounts and inquiries I am requesting to be blocked and deleted : Fraudulent Accounts XXXX. XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$8800.00} XXXX XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$4000.00} XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$510.00} XXXX XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX- Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX, XXXX. - Inquiry Date : XX/XX/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 2024-11-30 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: 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 2024-11-30 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: IL

Complaint narrative:
I am writing to formally request the blocking and permanent deletion of fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of a data breach that resulted in identity theft, and the information listed below does not belong to me. Under 15 USC 1681c- 2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be blocked and removed from my credit file.

Fraudulent Accounts XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$2600.00} XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$3100.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$480.00} XXXX XXXX XXXX  - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$2500.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$10000.00} XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$3000.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$610.00} XXXX. XXXX XXXX  - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$6100.00} Unauthorized Inquiries XXXX. XXXX - Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: IL

Complaint narrative:
I am writing to formally request the blocking and permanent deletion of fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of a data breach that resulted in identity theft, and the information listed below does not belong to me. Under 15 USC 1681c- 2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be blocked and removed from my credit file.

Fraudulent Accounts XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$2600.00} XXXX. XXXX  XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$3100.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$480.00} XXXX. XXXX  XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$2500.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$10000.00} XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$3000.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$610.00} XXXX. XXXX XXXX  - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$6100.00} Unauthorized Inquiries XXXX. XXXX - Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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 inform you that I am a victim of a data breach, and as a result, fraudulent accounts and bankruptcy records have been added to my credit file. Pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts and records be blocked and deleted from my credit report. 
The following fraudulent bankruptcy records and accounts have been identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-11-30 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: NJ

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I notice unauthorized hard inquiries on my credit report that i did not intiate or consent to. These inquiries were made by XXXX XXXX XXXX ( date : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( date : XXXX XXXX, 2023 ) XXXX XXXX ( date : XXXX XXXX ) XXXX XXXX XXXX XXXX  ( date : XXXX XXXX ) XXXX XXXX ( date : XXXX. XXXX ) XXXX XXXXXXXX XXXX ( date : XXXX. XXXX ) And I have no existing relationship with these companies. Did not apply for credit, authorize these inquiries, or provide my permission for them. Have contacted the credit reporting agency and the companies responsible for the inquiries but have not received a resolution. These unauthorized inquiries are negativity impacting my credit score, and I am requesting assistance in removing them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: NY

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-11-30 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: TX

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-30 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: TX

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-30 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
CREDENCE RM {$590.00} Account # : XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I am writing to dispute several inaccuracies and incomplete information that I have discovered upon reviewing my credit report. 
It has come to my attention that there are discrepancies within my consumer file pertaining to the following accounts : Listed above These discrepancies have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that the information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough investigation of the aforementioned accounts. 
Furthermore, I am requesting VERIFICATION and VALIDATION of each account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED. 
If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that you promptly delete them from my credit report. 
I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act. Please acknowledge receipt of this dispute within 30 days and provide updates on the progress of the investigation. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: PA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding my loan with XXXX XXXX and the unresolved situation surrounding my totaled XXXX XXXX XXXX. Despite clear communication about the total loss status of my vehicle and the presence of GAP insurance coverage, Westlake Finance has failed to finalize the loan and collect the car. This has resulted in ongoing confusion and improper demands for payments, which I am seeking help to resolve. 

Key Issues : Car Totaled in Accident ( XX/XX/XXXX ) : On XX/XX/XXXX, my XXXX XXXX XXXX was involved in an accident caused by another driver. The at-fault driver had liability insurance through XXXX, who assessed the vehicles value at {$16000.00} and declared it a total loss. I have attached the total loss letter from XXXX as proof of the vehicles totaled status. 

Failure to Finalize Loan and Collect the Car : Westlake Finance has been informed that my car was totaled, and I have communicated the total loss to them. On XX/XX/XXXX, I was told by a representative from Westlake Finance that they would pick up the vehicle. However, as of today, the car has not been collected, and I have not received any further communication explaining the delay or the next steps. This failure to follow through is causing unnecessary confusion and financial strain. 

GAP Insurance : Westlake Finance has GAP insurance on the loan, which should cover any remaining balance between the insurance payout and the loan amount. This should have been applied to finalize the loan balance, but instead, I am being asked to make continued payments on a car that is no longer in my possession. I have provided proof of the XXXX insurance payout and the GAP insurance policy, which should resolve the remaining balance on the loan. 

Continued Requests for Payments on a Totaled Car : Despite the car being declared totaled by Geico, Westlake Finance continues to demand monthly payments. I should not be responsible for payments on a car that is no longer in use, and I expect the loan to be settled with the insurance payout and GAP insurance coverage. 

Inconsistent Communication and Unresolved Issues : I have made multiple calls to Westlake Finance, but each time I receive conflicting information. Some representatives tell me that the car will be picked up soon, while others indicate that the loan can not be finalized until the vehicle is physically collected. I have not received any clear timeline for when the car will be collected, nor any resolution on how the loan will be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Heritage Financial Group, Inc.
State: TX

Complaint narrative:
The vehicle was repossessed for 1 month ( possibly a month and a half ) payment while I waited for my unemployment to be verified. Mostly i believe out of retaliation fir not looking my new account rep who is for lack of a better word an XXXX. I paid the full amount within a weeks time and it's been almost a full month and in haven't received the XXXX  back just excuses.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I was purchasing a service online through Cash app for {$150.00}. The person that I sent the money to his name is XXXX yet the next day the person that accepted the money, his name was XXXX XXXX. I requested a refund it was denied. I requested another refund and it was denied for my protection. I asked Cashapp how someone can just change their name from day-to-day and thats not suspicious. Also, the count said it was two days old but when I sent it to the guy XXXX, it was his account. I dont understand how the name and the account changed overnight and when I asked for an answer or explanation I was told that they investigated it and I was wrong and I should just accept the loss.

Company response to consumer: Closed with explanation