vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: NY

Complaint narrative:
ok so the account in question here is " XXXX '', better known as XXXX XXXX. these people when I requested the debt to be validated they sent me every statement since the account was open. I asked for the public and private XXXX accounting records of the debt, the name of the original creditor and the name of the flesh and blood human being that validated the debt. furthermore, since this creditor has been reporting in accurate credit information from XX/XX/XXXX- XX/XX/XXXX, pursuant to US court of Appeals, XXXX XXXX. No. XXXX, XXXX v. XXXX XXXX XXXX the reason why I am bringing this dispute forward to this corporation is for defamation and for financial injury. the fine is the extend of the damages incurred by the wronged party as deemed by the courts, pursuant to 15 USC 1692k ( 1 ) civil liabilities, ( 1 ) any actual damage sustained by such person as a result of such failure ; ANY being defined as unrestricted pursuant to black 's law dictionary. This would entitle me to a violation sum of {$34000.00} if this dispute is taken to district court and this corporation made to be held liable for this gross negligence of federal law. Further more, being that this corporation failed to provide enough proof to validate the debt and the credit bureaus continued to reported false and inaccurate information for an extended period of time that would make the credit bureau and this company both liable to violating FCRA 623, and pursuant to XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX. XXXX XX/XX/XXXX, filed ( XXXX XXXX. XXXX ), the reason for adding the violation to this dispute is due to defamation and willful injury. the fines that can be assessed for the violations are to the extent of damages incurred by the wronged party deemed by the courts. pursuant to 15 USC 1692k ( 1 ) civil liabilities, ( 1 ) any actual damage sustained by such person as a result of such failure ; ANY being defined as unrestricted pursuant to black 's law dictionary. this would be another violation sum of {$34000.00}.

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 2024-12-22 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: Sunset Management, Inc
State: GA

Complaint narrative:
The company SUNSET MGT is reporting a hard inquiry on my credit report without my knowledge or consent. They inquired on XX/XX/XXXX and set it to continue until XX/XX/XXXX. Sunset Mgt is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
This loan regarding the XXXX XXXX XXXX XXXX XXXX, has been in litigation. The executives of the lien-holder, XXXX XXXX and XXXX XXXX have been in constant contact, which from our last conversation in early XX/XX/XXXX, they were issuing the the dealership XXXX XXXX XXXX XXXXXXXX Buy-Back statement letter. '' The lien holder nor The State of Georgia Commissioner 's office has obtained the title from the dealership ( they even suggested that I discontinue insurance on a car that's not legally registered to me in the State of Georgia ) within the first 30 and even 60+ days ; the car was purchased XX/XX/XXXX and all necessary documents were provided. My attorney 's can provide said documents/proof from XX/XX/XXXX. They're beginning their own separate investigation. I'll provide information once I hear back from their office or my attorney will provide the information. It's now XX/XX/XXXX!! The State of Florida Highway & Safety motor vehicle investigator, XXXX XXXX, also has an open investigation regarding the dealership and lien holder regarding why they've sold ( and/or allowed ) an automobile without providing the title within the legal allotted timeframe. I have XXXX XXXX ' contact information if needed. I'll provide the firm that is representing me and their contact, as we are preparing for arbitration. Please remove this loan from my credit, as we are in an active litigation. 

All replies should be directed to : XXXX 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 explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not apply for a loan application with Check n Go

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-22 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: LA

Complaint narrative:
My credit report and personal information has been exposed and manipulated due to the XXXX Data Breach. 

I have the following unauthorized and fraudulent hard inquiries posting to my credit report, as well as a collection account that I have no knowledge of. 

Please make sure that these accounts are removed due to identity theft and fraudulent activity from my credit report immediately. Thank you! 

Hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have the credit reporting bureaus remove these fraudulent items immediately. Thanks!

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 2024-12-23 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: LA

Complaint narrative:
My credit report and personal information has been exposed and manipulated due to the Equifax Data Breach.

I have the following unauthorized and fraudulent hard inquiries posting to my credit report, as well as a collection account that I have no knowledge of. 

Please make sure that these accounts are removed due to identity theft and fraudulent activity from my credit report immediately. Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please have the credit reporting bureaus remove these fraudulent items immediately. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
They drafted money out of my account for over 1 year and half ; there was no change to my credit score at all. Didnt deliver what they promised! When asked for a refund, they refused. Its been about 5-9 years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you Problem Description : These inquiries were not authorized by me and have negatively impacted my credit score. After reaching out to the companies listed, they confirmed that they have no record of performing these inquiries, which suggests a possible error or potential fraud. 

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I have the right to dispute the accuracy of any information on my credit report. These sections establish that : -Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

-Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

-Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
You keep XXXX with my credit and score get this XXXX right and stop playing around with peoples lives Im sick of this XXXX how the XXXX do I drop XXXXXXXX XXXX in one day due to incorrect information and 1 inquiry even the lady at FICO XXXX said shes never seen anything like this before in her 20 year career

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 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: SC

Complaint narrative:
Dear Collector, I am writing in response to your { letter or phone call } dated { insert date of letter or phone call }, copy enclosed. 

On { insert date of initial dispute letter } I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 

As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 

Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the 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 explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX XXXX has been withdrawing money from my account every month. I reached out to XXXX and they do not see any subscriptions. But I am being charged for one. My bank solution is to order a new bank card. But the withdrawals are being withdrawn from my 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 monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account Number : XXXX I am writing to formally dispute your claim of ownership and collection rights over the debt associated with the account in question. After conducting a thorough review of the records pertaining to this account, I have identified the following issues : Transfer of Debt to Capital One XXXX XXXX ( XXXX ) and Capital One XXXX XXXX XXXX  ( XXXX  ) : I have clear and indisputable evidence that the debt in question was transferred to the Capital One XXXX XXXX under reporting file number XXXX. As such, ownership of this debt was legally transferred to the trust, and there is no record indicating that it was subsequently reassigned or transferred back to you. Therefore, you no longer have the legal standing to collect on this debt. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The continued reporting of this debt under your name is a direct violation of the FCRA. Reporting inaccurate information to credit reporting agencies undermines the accuracy and integrity of my credit profile, causing unnecessary harm to my financial standing. 

I am formally requesting that you immediately cease all collection activities related to this debt and ensure that all references to this debt are removed from my credit reports with all consumer reporting agencies. Failure to comply with this request may leave me with no choice but to pursue legal action to protect my rights under the FCRA and any other applicable laws. 

Please confirm in writing within 30 days of receiving this letter that : You have ceased all collection activities related to this account. 

All references to this debt have been removed from my credit reports. 

If you believe this matter requires further clarification or documentation, please contact me in writing at the address provided above. I expect your prompt attention to this matter and resolution in accordance with applicable laws. 

Sincerely, [ XXXX XXXX All Rights Reserved Without Prejudice

Company response to consumer: Closed with non-monetary relief