vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 

I have recently gotten into looking at my credit report for the first time in my life, over the last 6 months. Ive been in and out of the United States 3 times of the last 4 years, due to my XXXX. I have recognized many fraudulent items opened in my name. The only Navy federal account I had was my Auto Loan with them. 

The Navy Federal Credit Union account ending in XXXX was opened by someone other than me. 

Additionally it has been a charge off, but XXXX has recently reported it as opened. It can not be a charge off and open account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 

I have recently gotten into looking at my credit report for the first time in my life, over the last 6 months. Ive been in and out of the United States 3 times of the last 4 years, due to my deployments. I have recognized many fraudulent items opened in my name. The only XXXX XXXX  account I had was my XXXX XXXX with them. 

The XXXX XXXX XXXX XXXX account ending in XXXX was opened by someone other than me. 

Additionally it has been a charge off, but XXXX has recently reported it as opened. It can not be a charge off and open account.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, 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: PA

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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX Act Name : XXXX, Act Name : XXXX XXXX XXXX XXXX , Act Name : XXXXXXXX XXXX , Act Name : XXXX XXXX XXXX , Act Name : XXXX, Act Name XXXX XXXX, Act Name : XXXXXXXX XXXX XXXX XXXX XXXX Act Name : XXXX XXXX XXXX, Act Name : XXXX Act Name : XXXX XXXX, Act Name : XXXXXXXX XXXX, Inquiries : 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 2023-05-26 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: Exeter Finance, LLC.
State: LA

Complaint narrative:
On XX/XX/XXXX, I contacted Exeter Finance to receive a lien release statement bc my title is no longer in my possession and a document is needed from the DMV. The DMV will not create a duplicate unless a lien release document is provided. EF stated that would submit the request for the document and I would receive in 24-48 hours. Here we are on XXXX I have not received any documents. I call them again to receive an update and now they are saying they do not have to provide this to me. My account is paid off and Exeter Finance refuses to provide this document to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have previously disputed public record XXXX XXXX XXXX XXXX  XXXX XXXX with you. With in response, you verified this item accurate. stating you verified this information with the court. 

I contacted the court in their response is in enclosed : Its clear they do not report to you or any credit Bureau for that matter. Therefore, your initial response. verifying the item with the court was either an error or a lie. 

Either way the reporting requirements does not comply FCRA XXXX ( XXXX XXXX. XXXX i and the information must be delete 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 non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have previously disputed public record XXXX XXXX XXXX XXXX  XXXX XXXX with you. With in response, you verified this item accurate. stating you verified this information with the court. 

I contacted the court in their response is in enclosed : Its clear they do not report to you or any credit Bureau for that matter. Therefore, your initial response. verifying the item with the court was either an error or a lie. 

Either way the reporting requirements does not comply FCRA XXXX ( XXXX XXXX. XXXX i and the information must be delete immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: PA

Complaint narrative:
My identity was stolen, social security number, name, address and fraudulent line of credit through XXXX XXXX XXXX XXXX XXXX. 

15 U.S. Code $ 1681c-2 a consumer reporting agency XXXX, XXXX, XXXX XXXX XXXX XXXX, shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 2722 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed 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
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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

Here are the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 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 make 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 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 2023-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I have asked Midland collections to stop contacting me but they seem to be ignoring me as if i dont matter, i received a letter today from them wanting me to pay something im not even sure is mine. They refuse my rights as to showing the original purchase for this account saying they dont have show me which is wrong because capitalone could have put conditions concerning the purchase and when you buy in bulk applys to all. If they own this account why is there a problem showing the purchase, the original open date for the account the original contract date, the original charge off date, show late payments, the original interest rates, XXXX XXXX yrs old im not going to be taken advantage of or bullied in paying some one who tell me they dont have to prove any thing to me. I have asked CFPB several times to help me with these people i have als askedthe ( 3 ) agencys to help me and no one seems to think midland has abused my consumer rights the agencys are not investigating the info being sent to them out of greed for making money off my account without my consent if you are going to sell my info you have the responsibility to make sure what yu are reporting is accurate. I asked midland to stop reporting until the investigation has been completed same for the three agency, and send me a copy of the investigation with who they talked to, the dept, date & time, who signed off on it the original form used to investigate midland kept reporting agencys also ignored my request. Im a consumer but my voice or rights mean nothing if these agencys are not made to respect the laws of this land and held accountable for there actions no one police these agencys no one make the three agencys to stop depending on AI to do there jobs but you dont if you cant do your job i requesting the three agency to stop selling my info until they get my consent and also show me that they did the investigation before selling it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
As I conveyed to you today XXXX XXXX contacted me on Tuesday, XX/XX/2023 he asked me how much I could pay for rent that he was an Owner of some apartment buildings. He gave me the address at XXXX XXXX XXXX XXXX, and told me to call him at XXXX once I arrived at the building. He said that the apartment was unregistered and he would charge me {$1100.00} a month. I explained in the XXXX ad that as a good faith gesture I could pay the security deposit and up to 3 months rent but I couldn't pay no more than {$1100.00} and I was temping and looking for another job so at this time I wasn't working. 

When I arrived at the building I actually saw XXXX sitting on the steps across the street where he said he lived in a senior building. He opened the door and took me upstairs to the 3rd floor and I looked at the apartment. XXXX called him while I was actually in the apartment and I spoke to him from XXXX 's phone. I told him I liked the apartment. He said it was the XXXX holiday and I needed to put something down. I withdrew XXXX cashier 's checks for {$1100.00} from my Wells Fargo account and deposited them into account number XXXX at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. He then called on Monday, XX/XX/XXXX and said he had met with the other Owners and they needed another deposit of {$1100.00}. I went to Wells Fargo and did the same, depositing the XXXX check into the same XXXX XXXX and same account number. Although, he wanted me to deposit this last check into a XXXX XXXX which I never did because he said he would deposit the last check back into my account and then I could write him another check. I refused then he started getting upset and said obviously I didn't want the apartment. 

I had called XXXX on Saturday, XX/XX/XXXX and asked him if the apartment was still available. He said someone was living in the apartment. When I told XXXX he became upset and said I had no business calling XXXX that the apartment was being held for me. 

XXXX, I have filled out an application, a copy of my driver 's license, he has my social security number, I forwarded my bank statement and I sent them to XXXX XXXX ( XXXX ). I texted him ( XXXX XXXX and asked for my money to be immediately deposited back into my account via XXXX and that I was going to take him to court. Wells Fargo confirmed yesterday with copies that he has already cashed the three checks. 

Any help would be greatly appreciated since you know him.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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 confidentially under 15 USC 1681. Act Name : XXXX XXXXXXXX XXXX, Act Name : XXXX XXXX  Act Name : XXXX, Act Name : XXXX XXXX XXXX XXXX , Act Name : XXXXXXXX XXXX , Act Name : XXXX XXXX XXXX  , Act Name : XXXX, Act Name XXXX XXXX, Act Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Act Name : XXXX XXXX XXXX, Act Name : XXXX, Act Name : XXXX XXXX Act Name : XXXXXXXX XXXX, Inquiries : 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian is now sending me bogus emails saying my dispute is not available online so call them when I call and give them the number they say there is nothing to see

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I, XXXX XXXX XXXX, XXXX protected consumer, rights under the Fair Credit Reporting Act has been continuously violated by TRANSUNION. I've tried countless times in the private via certified mail to get TRANSUNION to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document. 

This is my second and final complaint on the issue before I seek remedy in district court. 
see complaint # XXXX for reference

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, 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: PA

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 confidentially under 15 USC 1681. Act Name : XXXX XXXX Name : XXXX, Act Name : XXXX, Act Name : XXXX, XXXX Name : XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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 confidentially under 15 USC 1681. Act Name : XXXX XXXX Name : XXXX, Act Name : XXXX, Act Name : XXXX, XXXX Name : XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief