vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: ID

Complaint narrative:
I AM a victim of identity fraud, I have been for a while now. The accounts in question were all created due to identity theft/fraud and must be removed because legally this is illegal to report FALSE INFORMATION PER 15 USC 1681 B. I am giving you all 30 days to resolve this manner or else I will be forced to seek legal action and sue you all {$1000.00} per violation.

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 2025-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Deposit a large amount into my account from my retirement, additional fees charged, money was disappeared from my account I knew nothing about

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 2025-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
Recently my car has been repossessed. I have tried to get in contact with the company, but before I can get in contact with the company, the company already had sold my vehicle on XX/XX/XXXX. My vehicle was repossessed on XX/XX/XXXX. I was able to get some of my belongings but not all because I didnt know where the vehicle was. I offered to pay and arrange payments until it was done however, I couldnt make any payments because my vehicle was sold within three weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: AL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-04 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: AL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-04 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: GA

Complaint narrative:
I'm concerned about the settlement against Lexington Law firm credit services. They did not provide the solution to my credit issues. I was looking into information on getting compensation for the job not being completed or showing any improvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: WA

Complaint narrative:
WESTLAKE PM XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Request for Debt Validation Dear WESTLAKE PM I am writing in this letter XXXX XX/XX/year> which asserts that I owe a debt of {$12.00} I am requesting that you provide validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request that you provide the following information : 1. The full name and address of the original creditor. 
2. A detailed statement showing the amount of the debt, including any interest, fees, and charges that have been added. 
3. A copy of the original agreement or contract that legally obligates me to pay the debt, including any signed documentation. 
4. Any judgments or court decisions related to this debt.

5. A verification of the date the debt was incurred. 

Until this debt is validated, I request that you cease all collection activities, as required by law. Please note that any further communication or attempt to collect this debt without validating it will be considered a violation of the FDCPA. 

If you are unable to provide the requested documentation, I request that you cease all collection efforts and remove any negative information related to this alleged debt from my credit report. 

I look forward to your prompt response, and I expect to receive the validation materials within 30 days, as outlined by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX wrong address on file XXXX XXXX  XXXX XXXX XXXX data breach identity theft XXXX- XXXX data breach identity theft

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 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my credit report and noticed there are some items that are not right. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable :. 
. 
. 
If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 
. 
. 
. 
please view FCRA laws and 15 USC 1681s-2a

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 2025-01-04 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: OK

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX {$350.00} XXXX XXXX, XXXX XXXXXXXX XXXX XXXX- {$450.00} XXXX. XXXX, XXXX You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response.

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 2025-01-04 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
To Whom It May Concern, This is the second complaint I am filing regarding two ( 2 ) Midland Credit Management accounts that are being reported inaccurately on my credit report. 

The accounts in question are listed below : MCM # : XXXX Current Balance : {$560.00} MCM # : XXXX Current Balance : {$670.00} I have disputed the validity of the alleged debt that I owe to this company and in return, I received several credit card statements and not the purchase agreement showing that I am the owner of the account and that they can legally collect on the debt in question. Since I have not received the account information I requested, I am filing a second complaint.

Under 15 USC 1692g ( b ), the debt collector must provide verification of the debt, including evidence that they have the authority to collect the debt ( e.g., proof of assignment or a contract with the original creditor ). Please provide me with proof of the assignment for you to collect on this debt and/or the contracts that were signed in writing by me indicating that I am the owner of the alleged accounts. 

If this information can not be provided, the accounts should be promptly deleted from my credit report or you are in violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NJ

Complaint narrative:
I was reviewing my credit report and noticed fraudulent accounts that I am not aware of and that are hurting my credit score. 

XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXXXXXX, I Account Number XXXX This account that I don't know about is seriously. hurting my credit score. I need to remove it please. 
ran.

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 2025-01-04 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: SC

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
This letter is in response to your recent claim that XXXX XXXX XXXX XXXX have verified that the account they are reporting under my name is accurate. 

I challenge the accuracy, compliance, and report ability of this listing. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification in unacceptable. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. TransUnion Corp., XXXX. XXXX ( XXXX, XXXX ), you may be liable for your willful non-compliance. 

More case law of non-compliance, Cushman v. Trans Union Corp., XXXX. XXXX. 

I remind you that, as in XXXX v. XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), you may be liable for breaching your duties to maintain reasonable procedures and to reinvestigate under the FCRA. 

XXXX v. XXXX XXXX ( now XXXX ), XXXX XXXXXXXX, you may be liable for taking an unreasonable long time to reinvestigate a dispute and failing to delete inaccurate or unverifiable information. 


Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations 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 non-monetary relief
Consumer complaint received 2025-01-04 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: AZ

Complaint narrative:
I am writing to dispute the accuracy of certain information on my credit report, as provided under my rights in the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I request that you investigate and correct the inaccurate or incomplete information promptly. Under the FCRA, you are required to investigate disputes, verify the accuracy of the information, and correct or remove any unverifiable or inaccurate data from my credit report, due to data breach by credit bureau. I kindly request a written response detailing the results of your investigation and any corrections made. If your investigation confirms the disputed information, please provide me with the name, address, and telephone number of the creditor or data furnisher who verified the information. Per the FCRA, this investigation must be completed within 30 days of receipt of this letter. Failure to comply may result in additional actions to protect my rights under the law.

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 2025-01-04 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: AZ

Complaint narrative:
I am writing to dispute the accuracy of certain information on my credit report, as provided under my rights in the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I request that you investigate and correct the inaccurate or incomplete information promptly. Under the FCRA, you are required to investigate disputes, verify the accuracy of the information, and correct or remove any unverifiable or inaccurate data from my credit report, due to data breach by credit bureau. I kindly request a written response detailing the results of your investigation and any corrections made. If your investigation confirms the disputed information, please provide me with the name, address, and telephone number of the creditor or data furnisher who verified the information. Per the FCRA, this investigation must be completed within 30 days of receipt of this letter. Failure to comply may result in additional actions to protect my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: AL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, XXXX, XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: AL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-04 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: AL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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