vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. who's studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the 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 2024-04-07 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. who's studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the 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 2024-04-07 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:
an address is reporting to my XXXX TransUnion and XXXX that I never lived at this address below is subject to fraud and identity theft. this address must be removed and blocked. 

XXXX XXXX XXXX., XXXX, pa XXXX -- fraud address

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 2024-04-07 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Financial date : XX/XX/2024 Ally Financial date XX/XX/2024 XXXX XX/XX/2024 These inquiries were never authorized by me. I went to this dealer with pre-approval acceptance from XXXX XXXX. They were only supposed to submit everything to XXXX XXXX and not run my credit for other companies. I tried to dispute with Ally Financial but they would not help me. In fact Ally is appearing twice as if it is two different companies. 

XXXX Bank XX/XX/2024 Bank XXXX XXXX XX/XX/2024 XXXX do not recognize these inquires

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 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX from XXXX starting XX/XX/24 they want to chg a paper mailing fee of XXXX i feel this is a unwanted bus exp on the cardholders

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 2024-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
The Company SEQUIUM ASSET SOLUTION, XXXX XXXX XXXX XXXX XXXX, XXXX has repetitively called and sent letters while reporting to my credit report in the amount of XXXX. I have called and written them asking to stop all communication but I am still seeing them on my consumer report which is still a violation of 15 USC 1602 C ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the con-sumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon re-ceipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Contacted the debt collector and explained the debt is not mine, they put a hold on the collection to investigate. However, I received a notice via mail that they concluded their information was accurate. I disagree and believe this to be a credit fraud situation. I have checked all three credit bureaus and there is no record of this credit card on any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: Bull City Financial Solutions, Inc
State: NY

Complaint narrative:
on XXXX XXXX i did a complaint and this is my third complaint that ive written and Bull city financial isn't following the law I informed them that they do not have no license to collect a debt in New York state and it doesn't matter that they got a license from a debt that they bought from the original creditor. they keep sending the same answers as such " Bull City Financial Solutions has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file.

Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX. '' now i am informing the CFPB that this CREDITOR is not registered to collect a debt in my state and they are hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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:
Dear Sir/Madam, I am writing to dispute the inaccurate information that has been reported by your agency on my consumer reports. Accounts ( XXXX XXXX ) ( XXXX bank XXXX XXXX ) ( XXXX bank XXXX ) .It has come to my attention that you have violated my consumer rights as outlined by the Fair Credit Reporting Act ( FCRA ), specifically under XXXX USC 1681a.

According to 15 USC 1681a ( 2 ) ( a ), consumer reports shall not contain information solely pertaining to transactions or experiences between the consumer and the entity making the report. However, the information being reported by your agency does not accurately accurately report an instead is violating my consumer rights by reporting my transactions or experiences which 15 usc 1681a ( 2 ) ( a ) says is not a part of consumer report.

Furthermore, under 15 USC 1666b, creditors are prohibited from treating a payment on a credit card account as late for any purpose.It has come to my attention that late payments have been inaccurately reported on my accounts, which is a direct violation of this provision.

Additionally, I have not provided any consent or signed any disclosure forms allowing the sharing of my information as required by 15 USC 6802. Nor have I given any permissible purpose for the sharing of my information as stated by 15 USC 1681b. 

Therefore, I am formally requesting that all late payments be immediately removed from my account. I expect prompt action to rectify this matter and ensure that my consumer rights are upheld in accordance with the FCRA. 

Please provide written confirmation once the inaccurate information has been corrected and removed from my consumer reports. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-04-07 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 an auto finance company financed a vehicle in my name without my authority or knowledge in XXXX of XXXX. Though I have repeatedly indicated to the XXXX XXXX that this was a case of identity theft. They have continued to report to the credit agencies a charge off of XXXX. The entire amount of the loan. In XXXX of XXXX my name was added to the title weeks before the XXXX XXXX charged off this loan. I have gathered copies of the contract and other documents and they show that the signatures are computer generated, all exactly identical. There are some areas where a signature belonged but is not present. This puts act to have been between the dealership which sold the vehicle XXXXXXXX XXXX XXXXXXXX and the XXXX XXXX. I want immediate removal of this blight from my credit report and for XXXX to clearly follows the laws and due process I have as a victim of identity theft How it started Date fraud began : XX/XX/XXXX {$27000.00} I have no connection to XXXX AND NEVER bought a car through them the signatures were computer generated the vehilcle was the vehicle i leased through XXXX XXXX and turned in and two months later i get a bill for first month payment XXXX.i contacted them immediately told them it was a mistake identity thedft or some ething but it was not me 4 months later they charged the vehicle off in my name and its still there nearly 2 years later

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 2024-04-07 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: MD

Complaint narrative:
XXXX an auto finance company financed a vehicle in my name without my authority or knowledge in XXXX of XXXX. Though I have repeatedly indicated to the XXXX XXXX that this was a case of identity theft. They have continued to report to the credit agencies a charge off of XXXX. The entire amount of the loan. In XXXX of XXXX my name was added to the title weeks before the XXXX XXXX charged off this loan. I have gathered copies of the contract and other documents and they show that the signatures are computer generated, all exactly identical. There are some areas where a signature belonged but is not present. This puts act to have been between the dealership which sold the vehicle XXXX XXXX XXXX  and the XXXX XXXX. I want immediate removal of this blight from my credit report and for XXXX to clearly follows the laws and due process I have as a victim of identity theft How it started Date fraud began : XX/XX/XXXX {$27000.00} I have no connection to XXXX AND NEVER bought a car through them the signatures were computer generated the vehilcle was the vehicle i leased through XXXX XXXX and turned in and two months later i get a bill for first month payment ..i contacted them immediately told them it was a mistake identity thedft or some ething but it was not me 4 months later they charged the vehicle off in my name and its still there nearly 2 years later

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Applied for a Home Equity Loan with Navy Federal Credit Union for {$120000.00} to make needed home repairs and I was told by the representative once I submitted my application that I was denied based on my XXXX XXXX. 
I told the representative that my score should be in the high XXXX almost in the XXXX and the representative said they use XXXX and I should obtain a copy of my report from XXXX and review my XXXX XXXX, because they use XXXX credit scores. 

I did not get the home equity loan. I applied to XXXX Department XXXX XXXX XXXX and I was approved for the Home Equity Loan for {$120000.00},

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Got a credit loan back in XX/XX/XXXX XXXX XXXX been trying to close this loan ever since the car got stolen from the mechanic shop and got totaled loss from the adjuster now with that being said the vehicle was picked up by the insurance and I havent had the vehicle for over XXXX years now still trying to dispute off my credit. I tried XXXX times already sent letters and still it was revolving on my credit.

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 2024-04-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
on XXXX XXXX i did a complaint and this is my third complaint that ive written and XXXX XXXX XXXXl isn't following the law I informed them that they do not have no license to collect a debt in New York state and it doesn't matter that they got a license from a debt that they bought from the original creditor. they keep sending the same answers as such " XXXX XXXX XXXX XXXX has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address XXXX XXXX XXXX XXXX has on file. 
Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX. '' now i am informing the CFPB that this CREDITOR is not registered to collect a debt in my state and they are hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i am writing to informally request the removal of certain inquires from my credit report that i did not authorizes. 
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 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

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 2024-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2024, I notice that $ XXXX was trying to be transferred from my Navy Federal checking account. Within minutes I called Navy Federal to report the scam. The money at this time had not been posted, but the XXXX XXXX closed the account and created a new account. Meanwhile, provide me with a prevision $ XXXX until the investigation is done. 

On XX/XX/2024 I was informed that my claim was denied and Navy Federal took the $ XXXX back out of my account. 

I am a XXXX XXXX. with no other income, so I do need my money. 

Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-07 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:
Dear Sir/Madam, I am writing to dispute the inaccurate information that has been reported by your agency on my consumer reports. Accounts ( XXXX XXXX ) ( XXXX bank XXXX XXXX ) ( XXXX bank XXXX ) XXXX has come to my attention that you have violated my consumer rights as outlined by the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX XXXX. 

According to XXXX XXXX XXXX ( XXXX ) ( a ), consumer reports shall not contain information solely pertaining to transactions or experiences between the consumer and the entity making the report. However, the information being reported by your agency does not accurately accurately report an instead is violating my consumer rights by reporting my transactions or experiences which XXXX XXXX XXXX ( XXXX ) ( a ) says is not a part of consumer report. 

Furthermore, under XXXX XXXX XXXX, creditors are prohibited from treating a payment on a credit card account as late for any purpose.It has come to my attention that late payments have been inaccurately reported on my accounts, which is a direct violation of this provision. 

Additionally, I have not provided any consent or signed any disclosure forms allowing the sharing of my information as required by XXXX XXXX XXXX. Nor have I given any permissible purpose for the sharing of my information as stated by XXXX XXXX XXXX. 

Therefore, I am formally requesting that all late payments be immediately removed from my account. I expect prompt action to rectify this matter and ensure that my consumer rights are upheld in accordance with the FCRA. 

Please provide written confirmation once the inaccurate information has been corrected and removed from my consumer reports. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NC

Complaint narrative:
On XX/XX/XXXX. 2023 XXXX XXXX  wrongly forward information over to IQ data international IN, claiming that i used their service for a deposit. I rented for XXXX  years with my apartment complex and never applied for rental assistance. There is no agreement/ or contract with my signature on record with XXXX XXXX XXXX XXXX XXXX . therefore, they should not be reporting me to the credit bureaus. They are claiming that i owe them {$1600.00} and is refusing to provide proof of my signature and contract agreement. I request that IQ DATA international be removed from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the inaccurate information that has been reported by your agency on my consumer reports. Accounts ( XXXX XXXX ) ( XXXX bank XXXX XXXX ) ( XXXX bank XXXX ) XXXX has come to my attention that you have violated my consumer rights as outlined by the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681a.

Accord

ing to 15 USC 1681a ( 2 ) ( a ), consumer reports shall not contain information solely pertaining to transactions or experiences between the consumer and the entity making the report. However, the information being reported by your agency does not accurately accurately report an instead is violating my consumer rights by reporting my transactions or experiences which 15 usc 1681a ( 2 ) ( a ) says is not a part of consumer report.

Furthermore, under 15 USC 1666b, creditors are prohibited from treating a payment on a credit card account as late for any purpose.It has come to my attention that late payments have been inaccurately reported on my accounts, which is a direct violation of this provision.

Additionally, I have not provided any consent or signed any disclosure forms allowing the sharing of my information as required by 15 USC 6802. Nor have I given any permissible purpose for the sharing of my information as stated by 15 USC 1681b.

Therefore, I am formally requesting that all late payments be immediately removed from my account. I expect prompt action to rectify this matter and ensure that my consumer rights are upheld in accordance with the FCRA. 

Please provide written confirmation once the inaccurate information has been corrected and removed from my consumer reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation