vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: PA

Complaint narrative:
Credit reporting agencies are reporting an inaccurate and illegal collection account to my credit reports which is in violation of the Fair Debt Collection Practices Act 15 USC 1692. XXXX XXXX XXXX account number XXXX is being reported inaccurately and illegally, as I have never agreed to conduct any business or entered into any contractual agreements with this company. Given that I have no established relationship with XXXX XXXX XXXX, I am not obligated or required to pay this debt. As such, the reporting of this account is inaccurate and unjust. XXXX XXXX XXXX has also failed to provide me with a strict proof of contract with my signature specifically naming ( XXXX XXXX XXXX ) as an entity entitled to collect a debt from me. The law does state that before a company collect any information about me, they have to first get my authorization to access my credit report for any purpose therefore XXXX XXXX XXXX did not follow proper protocols and is non-compliant with the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$5800.00} XXXX XXXX XXXXXXXX {$5000.00} These accounts do not belong to me.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've consistently ensured timely payments on this account, never letting them become overdue. Nevertheless, I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.

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 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TomoCredit Inc.
State: MI

Complaint narrative:
On XX/XX/year> I received a merchandise refund in the amount of {$140.00} which was refunded to the credit card that I originally used to make the purchase. The credit card company, Tomo Credit, has disabled the use of their credit cards however, and I am unable to spend my merchandise refund money and I am also unable to transfer the balance to my bank account. I've contacted Tomo Credit about this issue multiple times through email, submitted a help ticket on their website, and called their customer service line and still have not received a response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: GA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
This applies to courses undertaken at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. After much pressure and much conversation about, course path, certification, job placement and career opportunites, I enrolled. Private loans for $ XXXX were provided under Sallie Mae . I along with thousands of other students found that after graduation we had been victims of fraud. There were no jobs or income, just repayments of loans. Salle Mae and then Navient convinced me I had no recourse but to pay. Some forebearance and payment pauses here and there did not help make my amounts and payments any less. Also, because my XXXX co-signed I felt I had to push on and not risk ruining her credit. Today, I have a balance owed of $ XXXX and no real way to pay. There have been various court cases and settlements involving XXXX and XXXX XXXX XXXX in the past recent years, but none that applied to myself as a XXXX loan borrower in XXXX. In my mind, the Holder Rule should apply to Navient, based on the fraudulent misconduct of XXXX and XXXX XXXX XXXX. As such I should have all my XXXX  loans discharged and refunds made to me by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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:
Please delete these inquiries. I am not informed about them, and the company carried them out without my permission.

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 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I can not get ahold of a supervisor or U.S. representative of Capital One / Quicksilver credit card. I have {$1900.00} in fraud charges.

I have received broken up information on these but still don't know if they are taken off completely. On these I am receiving late fees and interest charges...

The XXXX  problem is on XXXX  XXXX XXXX I stopped payment on a charge not authorized by me. The charge was removed from XXXX XXXX XXXX in XXXX XXXX, California. 
This was NEVER paid out ..and after XXXX  days the dispute ended. This company is fraud.XXXX XXXX to move my household furniture..broke alot of it and didn't finish job. 
I have photos. 
I have received {$660.00} of this money..I am owed {$1300.00}.. {$2000.00} - {$660.00} = {$1300.00} ... correct?.. 
The XXXX problem I made a payment on XX/XX/2024 to Capital One. This was negotiated by their bank on XX/XX/2024 which they say they never received... deposit # XXXX. 
I believe this mess started in XXXX... I have tried to speak to girls who say they are EQUIPTED..to help me..from some XXXX XXXXXXXX they have no clue! I need my money..this is the second time I have gotten fraudulent charges on XXXX cards..they say I have a new card??? I do not. I want my money back and I will no longer do business with them..This company has put me in collections and dropped my XXXX XXXX XXXX  to XXXX ... .Ii need this money I am on XXXX XXXX a fixed income... Thank you so much for your help.. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: VA

Complaint narrative:
TransUnion shows regular inquiry from XXXX on XX/XX/24. I did not authorize this, called both parties and neither know what happened. 

XXXX XXXX said they didnt request a hard pull and dont see any active application under my name either.

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 2024-05-14 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: Credit Service International Corp
State: GA

Complaint narrative:
Credit services international corp is a third party collector I do not have a contract with them nor did I authorize consent for my personal information to be shared They keep closing and reopening collections and its affecting my credit Im asking for them to be removed immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hey my name is XXXX XXXX, I have contract all company 's involve my credit score. It have transaction 's on their I never did and not able to even dispute it. I have been homeless for three years now. The last job XXXX, the last address XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. However, on my credit score it mention I apply for pets insurance I don't even have a pet, mention mortgage in XXXX and never have and many more. I am trying to unfreeze my account with Experian, it has been months. I been trying to get contract with an agent. However, I do have recipes on someone been making fake accounts in my name far as XXXX XXXX, XXXX, XXXX XXXX, Have an gift card in my name at least for two years. School XXXX, I graduated from XXXX in XXXX but it shows XXXX loans and grants and I don't understand how. Way more please help I have try to contract these companies myself, and also my emails keep getting hack and phone keep getting stolen. This been going on for two years and I am just founding out about this. How did yall didn't see this or contract me

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 2024-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
After request information from this company. they didn't provide the information and not they place collection my credit report. I need them to delete this account immediately. the have been threaten to damage my credit without provide me with any information. i need them to delete that account of my credit because I don't owe that company any money i don't know what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: TN

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake financial Services closed my auto loan due to my hardship and charged off the loan as a bad debt to the IRS and had a third party company called XXXX XXXX come and steal my car from my possession which I had very valuable belongings in the car they would not let me get my belongings unless I handed them the key to the car now they have my car sitting at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I do not have no contract with XXXX XXXX. Now Westlake will not let me get my car back because they already closed the loan because they wrote it off on their taxes this year. And still going to sell the car to make money off of it. Now Im suffering and can not get my XXXX to school nor can I get to work because I do not have the funds for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: GA

Complaint narrative:
As per the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must carry out their significant responsibilities with fairness, impartiality, and a profound regard for consumers ' privacy rights. XXXX and XXXX function as consumer reporting agencies, and I, as the consumer, retain the prerogative to ensure that my private information remains safeguarded. This entitlement is reinforced by 15 USC 6801, which underscores Congress 's stance that each financial institution has an ongoing duty to honor the privacy of its clients and uphold the confidentiality and security of their nonpublic personal information. 

Entities furnishing information to credit agencies, categorized as financial institutions under this provision, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), which stipulates that consumer reporting agencies can only furnish consumer reports under specific circumstances, primarily upon receiving written instructions from the concerned consumer. XXXX, XXXX, and the furnisher of information to credit agencies lack my explicit consent to provide this information, whether express or implied, hence rendering any consent previously granted null and void. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer about their right to opt out of such disclosure. However, the furnisher of information to credit agencies failed to apprise me of this nondisclosure option. Additionally, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in consumer reports without authorization, contravening the law by reporting adverse items without my consent. 

Furthermore, under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 1681e, entities are barred from furnishing inaccurate information to consumer reporting agencies and are obliged to maintain reasonable procedures to prevent violations of FCRA sections 1681c and 1681b. XXXX and XXXX 's failure to uphold such procedures indicates non-compliance. 

Finally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. Therefore, I hereby exercise my right to opt out of your reporting services.

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 2024-05-14 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: GA

Complaint narrative:
As per the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must carry out their significant responsibilities with fairness, impartiality, and a profound regard for consumers ' privacy rights. XXXX and XXXX function as consumer reporting agencies, and I, as the consumer, retain the prerogative to ensure that my private information remains safeguarded. This entitlement is reinforced by 15 USC 6801, which underscores Congress 's stance that each financial institution has an ongoing duty to honor the privacy of its clients and uphold the confidentiality and security of their nonpublic personal information. 

Entities furnishing information to credit agencies, categorized as financial institutions under this provision, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), which stipulates that consumer reporting agencies can only furnish consumer reports under specific circumstances, primarily upon receiving written instructions from the concerned consumer. XXXX, XXXX, and the furnisher of information to credit agencies lack my explicit consent to provide this information, whether express or implied, hence rendering any consent previously granted null and void. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer about their right to opt out of such disclosure. However, the furnisher of information to credit agencies failed to apprise me of this nondisclosure option. Additionally, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in consumer reports without authorization, contravening the law by reporting adverse items without my consent.

Furthermore, under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 1681e, entities are barred from furnishing inaccurate information to consumer reporting agencies and are obliged to maintain reasonable procedures to prevent violations of FCRA sections 1681c and 1681b. XXXX and XXXX 's failure to uphold such procedures indicates non-compliance. 

Finally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. Therefore, I hereby exercise my right to opt out of your reporting services.

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 2024-05-14 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: VA

Complaint narrative:
THESE ACCOUNTS ARE REPORTING INACCURATELY. PLEASE REMOVE THEM.

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 2024-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX my account was sold to XXXX XXXX XXXX. I did not sign up for this service. This company is reporting on my credit report. 

I do not have a contract with them. 

Please help me remove this collection agency from 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 2024-05-14 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MN

Complaint narrative:
On XX/XX/XXXX I tried reaching out to Jefferson Capital and XXXX. The reps are rude to me and arguing with me that it was my debt and i had to pay for it, I let them know those accounts were not mines and done fraudulent. One of them actually laughed at me and thought i was a joke. 

In XX/XX/XXXX I was scammed into thinking i owed the IRS money. They ask me to confirm my identity by having me answer all these questions and said i need to send them a money order of {$2000.00} in a money order because they said i owed money. I later heard about the scam and called the IRS to see if i needed and he said no.

Company response to consumer: Closed with explanation