vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CORELOGIC INC
State: MD

Complaint narrative:
I HAVE SENT THIS LETTER OVER AND OVER AGAIN TO OPT OUT OF HAVING MY INFORMATION VERIFED OR SHARED WITH ANY CREDIT REPORTING AGENCIES, THIS COMPANY STILL CONTINUES TO HARASS AND TARNISH MY NAME. I HAVE SENT THE FOLLOWING CORRESPONDENCE TO THEM COUNTLESS TIMES YET I AM STILL BEING VIOLATED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand to Cease Sharing or Verifying My Information To Whom It May Concern, I am writing to formally demand that XXXX immediately cease and desist from sharing, disclosing, or verifying any of my personal, financial, or other information with financial institutions, third parties, or any other companies. At no point have I provided consent for XXXX to collect, share, or verify my personal data, and I hereby explicitly state that you never had, and never will have, my authorization to do so. 

In accordance with applicable privacy laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), I am invoking my right to opt-out of all data sharing practices. Furthermore, I demand that you remove my information from any databases under your control that are accessible to third parties and refrain from including it in any future reports or verifications. 

I expect written confirmation from XXXX within 30 days of receipt of this letter that my information has been completely excluded from any third-party access, and that no further dissemination or use of my data will occur. 

Failure to comply with this demand will leave me no choice but to take legal action to protect my privacy and enforce my rights under federal and state laws. Please consider this letter as a notice of my intent to pursue all available legal remedies if you fail to comply. 

I trust that XXXX will treat this matter with the urgency and seriousness it requires. I look forward to your prompt confirmation. 

Sincerely, 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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS
State: MD

Complaint narrative:
I HAVE SENT THIS LETTER OVER AND OVER AGAIN TO OPT OUT OF HAVING MY INFORMATION VERIFED OR SHARED WITH ANY CREDIT REPORTING AGENCIES, THIS COMPANY STILL CONTINUES TO HARASS AND TARNISH MY NAME. I HAVE SENT THE FOLLOWING CORRESPONDENCE TO THEM COUNTLESS TIMES YET I AM STILL BEING VIOLATED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand to Cease Sharing or Verifying My Information To Whom It May Concern, I am writing to formally demand that XXXX immediately cease and desist from sharing, disclosing, or verifying any of my personal, financial, or other information with financial institutions, third parties, or any other companies. At no point have I provided consent for XXXX to collect, share, or verify my personal data, and I hereby explicitly state that you never had, and never will have, my authorization to do so. 

In accordance with applicable privacy laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), I am invoking my right to opt-out of all data sharing practices. Furthermore, I demand that you remove my information from any databases under your control that are accessible to third parties and refrain from including it in any future reports or verifications. 

I expect written confirmation from XXXX within 30 days of receipt of this letter that my information has been completely excluded from any third-party access, and that no further dissemination or use of my data will occur. 

Failure to comply with this demand will leave me no choice but to take legal action to protect my privacy and enforce my rights under federal and state laws. Please consider this letter as a notice of my intent to pursue all available legal remedies if you fail to comply. 

I trust that XXXX will treat this matter with the urgency and seriousness it requires. I look forward to your prompt confirmation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: VA

Complaint narrative:
Earlier this year, I received an email informing me that my current Today card would no longer be usable after XX/XX/year>, and that I would be receiving a new card in the mail. However, I never received the new card because the company had an old address on file. I also filed a claim for fraudulent charges made in XXXX, which I did not recognize. I was confused about how charges were being made on the account when I was told it would not be usable after XXXX. 

After providing my new address to customer service, I was assured that my address had been updated and that I would soon receive my new card. However, I still did not receive it. When I called again, I was informed that my address was still listed under the old one. I was instructed to update my address by sending proof of residency to XXXX, which I did. Despite this, I have yet to receive the card or any statements related to my account. 

In XXXX, I paid off the account balance based on the information available on their web portal. During this period, I was also told by a customer service representative that I wouldnt be able to make any payments until these issues were resolved. I expressed concern about the possibility of a late payment being reported on my credit, and she informed me that I would need to dispute it if it occurred. However, this turned out to be incorrect, as I was able to make a payment toward my account, which I did. 

Now, my credit report shows a late payment of 30 days or more for annual fees and interest. I still have not received my new card and have had no access to my account statements to be aware of any fees due. I believed the card had been fully paid off. I have not received any statements, either physically or digitally, and despite trying to access them online, the website will not load them. 

Up until these address issues and the lack of access to my card and statements, I had never been late on this account. This situation began after the card change in XXXX, and I am requesting that this late payment be removed from my credit report. I have contacted customer service multiple times, yet still have not received my card. Despite this, I was charged an annual fee, which led to the drop in my credit score XXXX XXXX XXXX I would appreciate your assistance in resolving this matter. I don't have a card so I don't know my account number, but today when I called them they told me to reference the number XXXX. The last 4 digits of the account number I made my last payment to is 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 2024-09-20 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: CA

Complaint narrative:
I have identified multiple inaccuracies that require immediate correction. 

First, the XXXX XXXX Account Number XXXX charge-off is continuing to report late payments even though the debt was charged off and is no longer owed to the original creditor. According to the Fair Credit Reporting Act ( FCRA ), once an account is charged off, the original creditor should no longer report additional late payments. Reporting late payments after a charge-off is both inaccurate and misleading.

Second, I have noticed that the information being reported about this charge-off varies across the three major credit bureaus ( XXXX, XXXX, and TransUnion ) . Each bureau is reporting different details regarding the account status, date of charge-off, and payment history. These inconsistencies further demonstrate that the information on my credit report is inaccurate and must be corrected to ensure compliance with the FCRA.

I am requesting that you investigate this matter and take the necessary steps to correct the inaccuracies. Please update my credit file to reflect accurate information or remove the erroneous charge-off reporting entirely. I expect confirmation of your investigation and any changes made within the 30-day time frame mandated by 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 non-monetary relief
Consumer complaint received 2024-09-20 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: NY

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft, and I did not make the charge. I report the theft of my identity to the federal trade comisin and I also have enclosed copies of the Federal tray commission identity, theft, affidavit " please delete the items a soon as possible '' Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681 ), I hereby formally request the removal of certain unauthorized credit inquiries that have appeared on my credit report. After careful review, I have identified that the following inquiries were made without my express consent or in error 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 I hereby notify you that the information reported in my credit report contains errors. Pursuant to the Fair Credit Reporting Act ( FCRA ) section 611, I request that you initiate an investigation into the following entries that I believe to be inaccurate. 
My name correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Experian, XXXX ) Under the Consumer Protection Act, specifically Title XV of the Dodd-Frank Act, I have the right to receive proper notifications about any outstanding obligations and a clear justification for late payments. To date, I have not received any communication explaining this failure. I request a review of this matter and regularization of payment, as failure to meet these obligations affects my rights as a consumer and may be subject to legal action under CFPB regulation. 
Under 15USC 1666b this late payment, entry is a violation. I have incorrectly billed XXXX XXXX account XXXXXXXX XXXX Account XXXXXXXX XXXXXXXX  Account XXXXXXXX XXXX Account XXXXXXXX XXXX XXXXXXXX Account XXXX Please update the status of this account to " paid on time '' ( XXXX, Experian, 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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : On-Time Payment : I made my payment on time, as evidenced by the attached bank statements showing the payment was processed well before the due date. 
Clerical Error : I believe there was a reporting error, as I have never missed a payment for this account. A review of my payment history will confirm this. 
Payment Confirmation Provided : I have attached additional documentation showing that the payment was made in full and on time, as confirmed by the creditors own records. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I HAVE SENT THIS LETTER OVER AND OVER AGAIN TO OPT OUT OF HAVING MY INFORMATION VERIFED OR SHARED WITH ANY CREDIT REPORTING AGENCIES, THIS COMPANY STILL CONTINUES TO HARASS AND TARNISH MY NAME. I HAVE SENT THE FOLLOWING CORRESPONDENCE TO THEM COUNTLESS TIMES YET I AM STILL BEING VIOLATED. 

ChexSystems , Inc. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand to Cease Sharing or Verifying My Information To Whom It May Concern, I am writing to formally demand that ChexSystems immediately cease and desist from sharing, disclosing, or verifying any of my personal, financial, or other information with financial institutions, third parties, or any other companies. At no point have I provided consent for ChexSystems to collect, share, or verify my personal data, and I hereby explicitly state that you never had, and never will have, my authorization to do so. 

In accordance with applicable privacy laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), I am invoking my right to opt-out of all data sharing practices. Furthermore, I demand that you remove my information from any databases under your control that are accessible to third parties and refrain from including it in any future reports or verifications. 

I expect written confirmation from ChexSystems within 30 days of receipt of this letter that my information has been completely excluded from any third-party access, and that no further dissemination or use of my data will occur. 

Failure to comply with this demand will leave me no choice but to take legal action to protect my privacy and enforce my rights under federal and state laws. Please consider this letter as a notice of my intent to pursue all available legal remedies if you fail to comply. 

I trust that ChexSystems will treat this matter with the urgency and seriousness it requires. I look forward to your prompt confirmation. 

Sincerely, 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 2024-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CIG FINANCIAL LLC
State: FL

Complaint narrative:
I XXXX XXXXXXXX purchase a XXXX XXXX XXXX  from the AutoNation a XXXX dealership XX/XX/XXXX. XXXX XXXX i was having issues with the vehicle and called autonation and someone advise to take it to XXXX. I took it in for testing. After a few months past the vehicle was Shaking while driving and later on around XXXX or XXXX the vehicle started Smoking! We then took it to XXXX XXXX XXXX in early XXXX. They diagnosis the vehicle and said the XXXX is sludge and needs to be replaced. Advisor XXXX XXXX advise that even though he has warranty they will not cover it due to " Lack or Maintenance '' I then contact XXXX Consumer affairs and they investigate the issue. They pulled up the vehicle history and said XXXX of XXXX the vehicle lack service of 2000 miles and again at 20000 miles. This was before purchasing from autonation. XXXX said they should have never sold that vehicle with and Engine problem. I contact autonation corporate y email and got no response after emailing. I then file a XXXX complaint against the dealership and thats when manager XXXX XXXX contacted me and told me to bring the vehicle in for testing. They also found sludge in the engine. Since XXXX they been researching and the vehicle is still there. My husband has been renting cars totaling {$1300.00} for a full month and now he still does not have any transportation after turning in the rental he also paid the car payment in XXXX XXXX XXXX  AutoNation Finance for this car that has and still sitting at autonation with no resolution. My wife spoke to XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX after submitting the oil maintenance receipts of me doing since I got this vehicle back in XX/XX/XXXX. XXXX advised someone will contact us no later than the next day! No response or called! I am still without a vehicle. I need resolution!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
An Amex {$250.00} gift card still attached to the paper that came in shows a balance of {$10.00}. 
How is this possible? 
This issue has happened on numerous Amex gift cards purchased from American Express. Unfortunately, American Express has failed to protect consumers from fraud and hackers using their gift cards. 
I would appreciate resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: IL

Complaint narrative:
I am asking for your help in resolving the incorrect account listed on my credit report. This has damaged my reputation, and I rely on your help to fix it. Your poor handling of my credit report has deeply affected me, causing damage to my reputation. These false details need to be taken off 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 2024-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
I took a title loan in XXXX and haven't been able to pay it off. I'm paying XXXX XXXX a month for the last two years. I'm living on XXXX and in order to pay this off I would become homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I noticed that an account from consumer portfolio service is listed on my account as a charge off as profit and loss so I contacted the company and requested a 1099C since they are listing it as a profit and loss that means I need to claim it on my taxes I sent them a letter they never responded to the letter, but I also had emailed them when they emailed me trying to collect on the debt that they have listed as a profit and loss requested them to provide me with a 1099 at which time they told me that they would only provide me with a 1099C if I had paid the debt in full I will then receive one. I dont know if they are aware that them say that this debt is a profit and loss and buy them not provide me with the 1099C that they are committing tax fraud. And this account should not be listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief