vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I had an auto leased though wells fargo that was repossessed during covid with no advanced notice of repossession. I was not allowed deferments during covid. The vehicle I was sold was a lemon and was broken down immediately after the warranty expired. There was an engine recall though XXXX and my vin # was not included in the recall even though all other XXXX  of that make, model and engine size were included. The lease was put under my social security # but the wrong last name. They would not allow me to update the last name on the account. I attempted to remove GAP insurance that I was tricked into buying, and they would not allow me to remove it. There was a planned non operation registration on the vehicle when it was repossessed due to the engine failure. Additionally, wells fargo keeps sending me checks saying they incorrectly credited my payments, but the checks are not in my last name and I can not cash them. When the XXXX was repossessed, I received a letter saying I owed them {$13000.00} and that they sold it at action for {$6000.00}. Now the credit report says I owe {$20000.00} and no one will communicate with me because the last name is wrong even though I is under my social security number. The lease was at an extremely high percentage rate for a used lemon vehicle that should have not been sold in the 1st place. They told me GAP insurance was required.

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 2024-02-16 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: MI

Complaint narrative:
The following accounts do not belong to me. I've tried so many times to get these things removed from my credit report. They report inaccurate and incorrect information and it's illegal they should not report it on my credit report. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD INQUIRIES : 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 2024-02-16 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: RI

Complaint narrative:
I initiated communication with XXXX XXXX XXXX XXXX by sending a letter requesting them to opt me out of reporting for account number XXXX. Regrettably, not only did they neglect to fulfill my request, but their response was unrelated to my original letter, which explicitly asked for opting out of reporting. I have attached the original opt-out letter, two documents providing opt-out laws and their definitions, and a copy of the account details and reporting from all three reporting agencies, XXXX credit card agreement to show they have arbitration in their agreement as well as their arbitration instructions document. The documents reveal several inaccuracies present in the reports, and all relevant dates and information pertaining to this complaint have been provided for your review.

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 2024-02-16 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: RI

Complaint narrative:
I initiated communication with XXXX XXXX XXXX XXXX by sending a letter requesting them to opt me out of reporting for account number XXXX. Regrettably, not only did they neglect to fulfill my request, but their response was unrelated to my original letter, which explicitly asked for opting out of reporting. I have attached the original opt-out letter, two documents providing opt-out laws and their definitions, and a copy of the account details and reporting from all three reporting agencies, XXXX credit card agreement to show they have arbitration in their agreement as well as their arbitration instructions document. The documents reveal several inaccuracies present in the reports, and all relevant dates and information pertaining to this complaint have been provided for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: RI

Complaint narrative:
I initiated communication with XXXX XXXX XXXX XXXX by sending a letter requesting them to opt me out of reporting for account number XXXX. Regrettably, not only did they neglect to fulfill my request, but their response was unrelated to my original letter, which explicitly asked for opting out of reporting. I have attached the original opt-out letter, two documents providing opt-out laws and their definitions, and a copy of the account details and reporting from all three reporting agencies, XXXX credit card agreement to show they have arbitration in their agreement as well as their arbitration instructions document. The documents reveal several inaccuracies present in the reports, and all relevant dates and information pertaining to this complaint have been provided for your review.

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 2024-02-16 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: FL

Complaint narrative:
XXXX XXXX XXXX ACCOUNT NUMBER XXXX In accordance with the Fair Credit Reporting Act, this company has violated my rights. 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 an account without my written instructions. If the company can not provide the original signed and dated contract stating that I give permission for any alleged debt to be sold to their debt collection agency also including agreement to repay a third party I request that the account be removed from all of my credit reports including XXXX, TransUnion, and 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 2024-02-16 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: FL

Complaint narrative:
XXXX XXXX XXXX ACCOUNT NUMBER XXXX In accordance with the Fair Credit Reporting Act, this company has violated my rights. 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 an account without my written instructions. If the company can not provide the original signed and dated contract stating that I give permission for any alleged debt to be sold to their debt collection agency also including agreement to repay a third party I request that the account be removed from all of my credit reports including Experian, XXXX, and 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 2024-02-16 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I XXXX XXXX writing a complaint about inquiries and bank accounts that were not placed or opened by me and requested that these accounts be immediately removed and deleted.

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 2024-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX repossessed vehicle while me a XXXX is on XXXX XXXX they are reporting this vehicle as closed They repossessed the vehicle and resold the vehicle without a court order due to me being on XXXX XXXX order This is against the law The are lying reporting this as closed when its repossessed they took and sold the vehicle

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 2024-02-16 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: CA

Complaint narrative:
1 ) Achieve personal loans Acct # XXXX : Factual disputing and an billing error. This account is not reporting uniform with the other bureaus and there is a billing error based on 15 US 1666B. MUST BE REMOVED 2 ) XXXX XXXX XXXX Account # XXXX Facutal disputing and billing error. 15 US 1666N. MUST BE REMOVED 3 ) XXXX- Account # XXXX Factual disputing and billing error. 15 US account must be removed. 
4 ) XXXX XXXX XXXX / XXXX - ACCOUNT # XXXX factual disputing and billing error. 15 US 1666B ACCOUNT MUST BE REMOVED. 

I have submitted requests multiple times to EXPERIAN to update my file to be accurate and complete and they continue to ignore my requests and refuse to abide by the law. They claim it is not me requesting my file to be updated. I have sent them proof of my identity but they still have inaccurate information on my file like the accounts above. 


I have attached reports from EXPERIAN, XXXX and XXXX. EXPERIAN has different information. Their report is not accurate, complete or uniform. This is against the law. 

XXXX STILL HAS XXXX XXXX ON THE CREDIT FILE. THIS ACCOUNT IS NOT ON EXPERIAN OR XXXX AND MUST BE DELETED. I continue to request them to update the file based on factual report and billing errors. They refuse. I need your help holding them accountable.

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 2024-02-16 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On ( XX/XX/2024 ), I sent a letter to ( COMENITY BANK/TORRID ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( COMENITY BANK/TORRID ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( XX/XX/2024 ), along with an updated FTC identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: Self Financial Inc.
State: FL

Complaint narrative:
Subject : Complaint Regarding Violation of Consumer Rights by Self Financial Bank To whom this may concern, I am writing to file a formal complaint against Self Financial Bank for the violation of my consumer rights. I believe the bank has unlawfully reported my transaction history without my consent, which is a clear infringement of my rights as a consumer under the relevant statutes. 

According to the Fair Credit Reporting Act ( FCRA ) Section 604, it is explicitly illegal for any entity to furnish consumer reports to any consumer reporting agency without the individual 's consent. Moreover, under the Electronic Fund Transfer Act ( EFTA ) Section 908, financial institutions are required to obtain a consumer 's consent before disclosing their transaction history to any third party. 

Despite these clear legal mandates, Self Financial Bank has neglected to secure my consent before reporting my transaction history, which is a direct violation of both FCRA and EFTA regulations.

I demand that Self Financial Bank rectify this issue immediately by updating my account status to " PAID AS AGREED '' and cease any further unauthorized reporting of my transaction history to any consumer reporting agencies. 

Please investigate this matter thoroughly and take appropriate action against Self Financial Bank to ensure that they comply with federal consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX ' XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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 writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-02-16 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Received call from XXXX XXXX XXXX claiming to be XXXX  XXXX and confirming an e-credit card application, if it was my application, it wasn't so I said no. 
Then called from XXXX XXXX XXXX claiming to be from Experian saying I need Identity theft protection. They had my last 4 digits of SS No # and had my credit report they were reading from. I interrupted and stated that perhaps the phone caller was the identity thief and why did they have a copy of my credit report. He then hung up

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 2024-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Buffaloe & Associates, PLC
State: TN

Complaint narrative:
I have reported and been working with the federal trade for identity theft. This debt originated from XXXX XXXX  XXXX it states however XXXX XXXX took over and now buffaloe & vallejo. I do not know who opened this account when or why it was opened. Also it is under the last name XXXX which I have not had since 2013. I have contacted XXXX XXXX  XXXX, they state that its handed off to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX they diverted me to buffaloe & vallejo which I asked to provide all documentation on this account and they were hateful and failed to do so. Now I have been served a civil warrant which I am XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: MD

Complaint narrative:
XXXX, TRANSUNION, AND XXXX ARE REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORTS PLEASE INVESTIGATE ALL FRAUDULENT ITEMS

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 2024-02-16 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: MD

Complaint narrative:
XXXX, XXXX, AND EXPERIAN ARE REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORTS PLEASE INVESTIGATE ALL FRAUDULENT ITEMS

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 2024-02-16 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: AL

Complaint narrative:
I purchased an online vanilla visa gift card from www.vanillagift.com for {$400.00} on XX/XX/XXXX. I wasnt able to use the card right away so I contacted the customer service to let them know that I was having problems using it and that also wouldnt let me add it to XXXX XXXX. The representative said that I would have to give it 24hrs and try it again. On XX/XX/XXXX at XXXX XXXX, the gift card was used at a XXXX in XXXX XXXX, Hawaii.. There was no way I could have made this transaction because I live in Alabama. No one else had access to online gift card so I was asking the representative how was this possible and they dont even have an explanation. They kept telling me I would have to wait a certain amount of days until the transaction post to start a dispute so finally on XX/XX/XXXX I was able to open a dispute case.. I finally received the results of the investigation on XX/XX/XXXX and they are saying the card was present in Hawaii when the transaction was made. That doesnt even make sense when this was an online gift card that I only had access to. This company has been giving me the run around for months. If you do a quick XXXX search, There are many other people who have had this same problems with company. This company is stealing people hard earned money and not being held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
multiple incorrect information on my report. transunion has no replied or complied. 
evidence is submitted below

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 2024-02-16 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: PA

Complaint narrative:
Noticed unauthorized inquiries reporting unlawfully according to fcra. File ftc complaint

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