vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX 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 a account without my written instructions.

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 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist opened a credit card for my business. their was fraud on the card. I closed the card. I called several times to make a payment arrangement and they failed to do it. I was hit on my personal account for over XXXX. i advised them i need my money back and i will set up an arrangement moving forward but i need the funds back. They refuse to give my money back. My business account should not impact my personal account. I don't mind giving them something but XXXX will cause a problem pertaining my main bills. I have worked with them in the past and I know for a fact they work with white people that carry large balances more than the little people that are trying to make it. This is horrible business practice and i fee targeted.

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 2024-02-27 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: TX

Complaint narrative:
I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Equifax failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. Further they failed to address all of the accounts that were disputed. I will be seeking damages at this point. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX Account # : XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: NY

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. 

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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I took a loan of XXXX XXXX dollars which I made ten payments of XXXX XXXX and XXXX dollars monthly until i was able to save enough to pay off the the debt. On XX/XX/XXXX, spoke to a rep and requested for a quote for the remaining balance of my debt. I was informed of the amount and I gave authorization for the funds to be deducted from my account. After few days, I checked my account and noticed that there is still a remaining on my account after paying off the and on the same month XX/XX/XXXX, my account was reported to the credit bureau for late payment. I made multiple calls to have an explanation of why the remaining on my account after paying off the debt. They will put me on hold for more than thirty minutes and the hanged. At least on two occasion. When i was finally able to get hold of someone to speak to, I was told after paying off the debt, I still have a balance to pay off as the interest rate. To sum it up, customer service is very unprofessional causing me more agony and dissatisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management company has sent me a lawsuit and shows the total amount they are collecting, but has not provided an itemized break down of what the debt is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: FL

Complaint narrative:
I am a victim of identity theft and I have no knowledge of or have ever been connected to the following information : Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the alleged debt referenced in your recent correspondence and request validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I demand competent evidence demonstrating my legal obligation to pay, including proof of the debt, chain of title, errors and omissions policy number, and any relevant documentation. I require a response within 30 days, failure of which will result in the removal of references to the debt from my credit file and cessation of collection activity. Any negative reporting to credit bureaus must cease immediately until this matter is resolved, and I demand the balance be XXXX out if validation is provided. Failure to comply will result in further legal action to protect my rights. 

Account XXXX XXXX XXXX - XXXX Last 4 Digit of SSN : 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 2024-02-27 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: GA

Complaint narrative:
I am writing to dispute the alleged debt referenced in your recent correspondence and request validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I demand competent evidence demonstrating my legal obligation to pay, including proof of the debt, chain of title, errors and omissions policy number, and any relevant documentation. I require a response within 30 days, failure of which will result in the removal of references to the debt from my credit file and cessation of collection activity. Any negative reporting to credit bureaus must cease immediately until this matter is resolved, and I demand the balance be XXXX out if validation is provided. Failure to comply will result in further legal action to protect my rights. 

Account XXXX XXXX XXXX - XXXX Last 4 Digit of SSN : 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 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I opened a new Navy Federal Credit Union account at Navy Federal XXXX XXXX XXXX, XXXX, Tx XXXX this has been the branch that I have used on multiple occasions since opening the account. I had a XXXX XXXX on Sunday XX/XX/year> which extended until XX/XX/year>. On Tuesday I went into a new branch located at XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX to make a withdrawal and was service by an extremely rude bank teller. I gave her my id she proceeded to ask me questions such as what did I need money for, she also asked a racially discriminating question which was why does a person like me have random money in my account without having a job or direct deposit. I was completely in shock and embarrassed in front numerous customers at this point. The banker proceeded to now question the validity of my drivers license even after scanning it in the system. The bank teller then tells me that the photo on the drivers license is not me, which in fact it is! except on the license I had blonde hair. I advised the banker that this is the same identification I used to open the account and have also used for various transactions. The bank proceeded to embarrass me in front of bank customers and told me she will not allow me access to my funds and also she advised that I needed to bring in other form of identity. I have requested Navy Federal to remove the restrictions on my account immediately I need access to my money now! I have contacted customer service and have not received any assistance at all. This is my absolute last resort in trying to resolve this matter directly with the bank before reaching out to legal counsel. I am requested that the restriction on this account be removed immediately or for this account to be closed and you can mail me a check for the remaining balance on my 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 2024-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
on XX/XX/XXXX, I wanted to purchase a XXXX XXXX XXXX. I went to a dealership in XXXX Ga, and applied and was approved with a XXXX down payment. After a couple of days the XXXX was sold and the lender XXXX XXXX with Lendmark in XXXX XXXX, called me and said I was approved, and he had a guy that sell cars. So he had XXXX XXXX to call me and he sent me pictures of a XXXX XXXXXXXX XXXX  that was nice. So XXXX drove the suv to the store and I test drove it, and it was ok. It did have a squealing noise that later I had to fix. So XXXX bought the buyers orders, and I look at them, and did the paperwork with my down payment. Then after that XXXX did my paperwork electronically and I agree the payment of XXXX a month was ok because I told him I was gon na pay it off in a year. I also asked XXXX about a prepayment penalty and he said there was not one. He lied. XXXX never printed off the contract for me, never sent it to my email either, I really thought that I had it with my buyers orders, because if I knew the interest rate was 30 %, I never would have taken the loan for XXXX plus interest. So far I have paid XXXX in payment and XXXX down, but It is showing I owe more that I have paid out, and I have been calling for two weeks for a copy of my contract and payoff and no one have given me what I asked, XXXX at the XXXX XXXX finally sent me a copy of the contract, but not my payoff requested. Lend mark have nondisclosure issues and has been ripping a lot of people off, because I look at the reviews on the XXXX. I have tried reaching out to XXXX XXXX the loan officer with no response. I have reached out to Lendmark corp. office in XXXX XXXX, and XXXX XXXX XXXX. I have not made a payment for XXXX because they have not sent me my payoff. Their contact number is XXXX, XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX the loan officer XXXX. This company need to be fined and or need to be sued under a class action law suit, for unfair lending and non disclosure lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: PlusFour, Inc
State: NV

Complaint narrative:
Subject : Formal Notice of Violations and Request for Remediation Dear Plus Four, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Plus Four has handled my credit information. It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ) and California Civil Code 1785.13.2.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and California Civil Code 1785.13.2. I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and California Civil Code 1785.25 ( a ). I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ). 

Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. Additionally, I want to make it clear that any action taken by Plus Four besides deleting the collection will be considered willful non-compliance. I am invoking my rights under 15 U.S. Code 1681b ( 2 ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in further legal action. 

Moreover, I insist on Plus Four providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( XXXX ) ( A ). 

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have letters from the XXXX XXXX XXXXXXXX informing me that Experian never contacted them by phone or letter even if experian did contact them they would not give any information about me or any cases, I am the victim of ID theft my name, ssi, date of birth and address has been used in a number of fraud accounts. Experian told me they looked up the bankruptcy on a public source or used a third party. here is the correct number to the XXXX XXXXXXXX clerk of courts phone number XXXX this who experian is claiming that is reporting the bankruptcy how is this true when they informed me they are not reporting anything to experian under account or reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts need to be blocked or removed due to ID theft i already filed a police report no need to file a new police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: NJ

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.

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 2024-02-27 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: MD

Complaint narrative:
I sent a Letter to Equifax to dispute the inaccurate info they had and they can not locate my information and are not processing my request.

Company response to consumer: Closed with explanation