vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX i purchased a XXXX XXXX XXXX ( used ) from a dealership for the price of {$34000.00} including taxes, fees and int rate, the interest rate was ( 28.99 % ), but long story short this dealership sold me a faulty damaged vehicle, I was told that it was fully inspected, serviced and maintenance before given to me and that there was XXXX issues whatsoever and that it was 100 % safe for me to take I test drove the vehicle and everything was good, the week after ownership I started noticing overheating issues, I took it to my personal mechanic which he fixed and told me there was burnt wires and sensors, cracked radiator, and a broken fan Thats pretty suspicious because the dealership inspected and serviced the vehicle, XXXX weeks later, the car blew up and caught on fire while I was driving and I almost lost my life. The car is completely totaled and lost, i have not been paying or making any payments whatsoever towards this vehicle and that is damaging and ruining my credit I would love to have this removed as if it never happened.

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

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 604 ( 15 U.S.C. 1681b ), no entity is permitted to access my credit report without my explicit consent or a permissible purpose. The following hard inquiries appear on my credit reports without my authorization. I am demanding their immediate removal as they violate my consumer rights. 

As of XX/XX/XXXX, the unauthorized inquiries include XXXX XXXX XXXX  XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX  on XX/XX/XXXX ( XXXX entries ), XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXXXXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX ; XXXXXXXX XXXX on XX/XX/XXXX ; XXXXXXXX XXXX on XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ; and XXXX XXXXk on XX/XX/XXXX. 

Per FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute inaccurate or unauthorized items on my credit report and demand their correction or removal. These inquiries have negatively impacted my credit score and must be deleted immediately. 

I would like to underscore the legal foundation of my concerns by referencing specific laws : * 15 U.S.C 1681 Section 602 A : This section explicitly affirms my right to privacy as a consumer.

* 15 U.S.C 1681 Section 604 A Section 2 : Clearly stating that a consumer reporting agency can not furnish an account without my written instructions. 
* 15 U.S.C 1681c. ( a ) ( 5 ) Section : Prohibiting consumer reporting agencies from including certain adverse information in consumer reports, with a specified time limitation.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Emphasizing that a person should not furnish any information relating to a consumer to any consumer reporting agency if there is knowledge or reasonable cause to believe it's inaccurate. 

I urge you to conduct a thorough review of my case in light of these regulations, as it is evident that my consumer rights have been potentially violated. Your swift attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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:
Under the Fair Credit Reporting Act ( FCRA ) 604 ( 15 U.S.C. 1681b ), no entity is permitted to access my credit report without my explicit consent or a permissible purpose. The following hard inquiries appear on my credit reports without my authorization. I am demanding their immediate removal as they violate my consumer rights. 

As of XX/XX/XXXX, the unauthorized inquiries include XXXX XXXX XXXX  XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX  on XX/XX/XXXX ; XXXX  on XX/XX/XXXX ( XXXX entries ), XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX  XXXX  on XX/XX/XXXX and XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX XXXX  XXXX on XX/XX/XXXX ; and XXXX XXXX  on XX/XX/XXXX. 

Per FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute inaccurate or unauthorized items on my credit report and demand their correction or removal. These inquiries have negatively impacted my credit score and must be deleted immediately.

I would like to underscore the legal foundation of my concerns by referencing specific laws : * 15 U.S.C 1681 Section 602 A : This section explicitly affirms my right to privacy as a consumer.

* 15 U.S.C 1681 Section 604 A Section 2 : Clearly stating that a consumer reporting agency can not furnish an account without my written instructions.

* 15 U.S.C 1681c. ( a ) ( 5 ) Section : Prohibiting consumer reporting agencies from including certain adverse information in consumer reports, with a specified time limitation.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Emphasizing that a person should not furnish any information relating to a consumer to any consumer reporting agency if there is knowledge or reasonable cause to believe it's inaccurate. 

I urge you to conduct a thorough review of my case in light of these regulations, as it is evident that my consumer rights have been potentially violated. Your swift attention to this matter is greatly appreciated.

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 2024-12-12 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:
Upon further investigation I have found serveral fradulant closed accounts on my credit report which include ... .XXXX XXXX {$590.00}, XXXX {$0.00}, XXXX XXXX  {$0.00}, XXXX  XXXX XXXX {$0.00}, and XXXX XXXX XXXX XXXX  {$0.00}.

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 explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-12-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Debt Holdings, LLC
State: TX

Complaint narrative:
Debt collectors marked this off as a tax break but I never received a 1099c may I please receive this

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
Anther month anther complaint. More illegal activities from this bank and XXXX customer service. 
I have auto payment set to minimum pay due. Well after last months illegal activities where they stole XXXX dollars from I made that pay ment on XXXX will attach screen shot proofing that. So when you have a min dues of XXXX and you pay XXXX dollars that makes your min due XXXX. Well this bank which is continually doing illegal things could not do math and tried to take XXXX after XXXX dollars was paid.so they attempted to take XXXX extra dollars than where my auto pay was set up. Which costed me XXXX dollars to stop payment for extra money they tried to steal. Would just like XXXX month where they do not try to steal. This is my third complaint against u ethical buisness. And just want a month with them acting like a normal bank

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

Complaint narrative:
These creditors XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and the credit agengies Experian, XXXX and XXXX are in violation of Code 6801 sharing non public on my information on my consumer report without obtaining my written consent have shared and is therefore willifully not complying by removing these accounts XXXX XXXX XX/XX/XXXX {$7600.00} and XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} I ask for assistance with assuring these non public accounts be removed from my consumer report 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 2024-12-12 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 2024-12-12 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-12 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-12-12 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: TX

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX Balance Owed : {$6900.00} XXXX  XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX Balance Owed : {$870.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2600.00} XXXX  XXXX Balance Owed : {$260.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance Owed : {$580.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX  XXXX Balance Owed : {$6900.00} XXXX  XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX Balance Owed : {$870.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2600.00} XXXX  XXXX Balance Owed : {$260.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/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 2024-12-12 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: NC

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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 non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: SoLo Funds Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX. The App is having Problem in which i contact support. In which they respond and say the app is having issues and to wait XX/XX/XXXX. I ask for an update they say they are fixing on it. 

XX/XX/XXXX They tell me they have a fix for the first issue but now my account says it can be verified so its blocked. They tell me its a technical issue to log out and essentailly reboot the app. Overall it didnt work and they said they would work on it XX/XX/XXXX They tell me they are still working on it but i ask for a timeframe and nothing XX/XX/XXXX I ask for the closure of my account and the withdrawl of all my money. No answer. I also mention if they didnot answer in a timely manner i would start a complaint on here. 

Overall they have not been very helpful and i just want my money out becuase i know the app is working for other people and its really sad after months they cant fix this simple issue when it was brought up multiple times.

Company response to consumer: Closed with explanation