vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I contacted Experian three times in XXXX requesting that XXXX XXXX XXXX provide me proof that the bill their trying to collect is indeed mine. I never received the info and they sided with XXXX each time. So I contacted XXXX on XX/XX/XXXX requesting that they send me copies of my original signature opening the account and my signature saying that I agreed for my account to be sold and collected by a third party collection agency. They sent me copies of account statements, no signatures on XX/XX/XXXX. I contacted them again and received another letter with copies of statements on XX/XX/XXXX. I called them when I received this and asked to speak to a manager. I was informed that no manager was available and they could not help me. So on XX/XX/XXXX I sent them a letter requesting the information again. They received my letter on XX/XX/XXXX and as of today this account is still on my credit report. So I called them again and they said they would escalate this. At this time the 30 days they are required to have this settled is past and I this is still on my credit reports with no proof that it is even mine. 
I am asking that this be removed from my credit report! All copies of statements sent with their letters were the same ones each time

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 2024-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
Hello, I lost my job around XXXXXXXX XXXX XXXX  and I needed to pay for some unexpected home repairs so I pulled out a personal line of credit with NetCredit. 

NetCredit failed to disclosure the real XXXX for this line of credit, they only provided a fee schedule. They also failed to inform me that this would be paid bi-weekly rather than monthly. I've paid an ungodly amount of fees and I fear that I will never be able to pay this off. I do believe they are practicing predatory lending by not disclosing the interest rate and true repayment terms. 

I called NetCredit to request to close the account and pay the account back in monthly installments versus biweekly, the company is unwilling to work with me and is giving me zero options. 

NetCredit should be illegal and not allowed to practice business, please investigate and probe this company as I do believe you'll find that many other people are having this issue. 

I am please requesting them to close my account so I can pay this account back in monthly installments and stop paying the 98 % APR that was NOT disclosed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: CL Holdings LLC
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized Accounts : XXXX XXXX XXXX XXXX ACCT : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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 sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

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 2024-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contracted with a vendor to do some electrical repairs on my home. They offered a 60 months - no interest loan with a 3rd party " lender '' ( not disclosed to me at the time of application ). 
There were errors in the data on the contract that I immediately requested to be corrected and the 3rd party refused to correct and BEFORE the 3rd day right of recision had expired I was coerced to sign the contract containing the errors or they would NOT begin working. The vendor and I repeatedly requested the corrections to no avail. One of the errors was my mailing address- I knew this would cause a problem when the statements were mailed. There was no email to reach the 3rd party ( XXXX XXXXXXXX XXXX  XXXX ) and after 5 calls beginning on XX/XX/XXXX, I finally sent a letter on XX/XX/XXXX requesting the mailing address correction AND to OPT out of the Mutual Arbitration Agreement clause. 
After the repairs were almost done I issued a bank check to the 3rd party, after confirming their remittance mailing address in XXXX XXXX FL. The check was mailed on XX/XX/XXXX. I called XXXX XXXX every day to check on the correction of the mailing address and ask about the payment. I was told XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that the check had NOT arrived. I called my bank to confirm the mailing date and the expected date of receipt by vendor. They confirmed the check was mailed on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX and finally got a supervisor to check on the payment again-his name was XXXX and he said they DID receive the check on XX/XX/XXXX and they also received my letter requesting the mailing address correction. He supplied me with the check number from XXXX which proved XXXX XXXX DID receive the check and had lied to me 3 times. 
XXXX told me the mailing address had not been corrected and he did it while I was on the phone- repeating the address back to me. 
On XX/XX/XXXX I checked my bank and that check had still not cleared my bank. i called XXXX XXXX again and the supervisor said she did not see the check on my account- obviously lying since XXXX the supervisor i spoke to on XXXX confirmed they received the check on XX/XX/XXXX. 
now they appear to be holding the check instead of depositing as required by law. 
i sent my payment early- before i even received the first statement to " test '' the turnaround time. i don't trust this company- someone is lying to me. i am a XXXX  citizen and live in California.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/XXXX Consumer Portfolio Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account No : XXXX Dear Sir/Madam, I am writing to address the recent communication received from your office dated XX/XX/XXXX, regarding an outstanding balance associated with Account No : XXXX under the names of XXXX XXXX XXXX and XXXX XXXX XXXX However, after reviewing the information provided in your letter, it has come to my attention that there are inaccuracies that must be urgently rectified. 

The statement made in your correspondence regarding the outstanding balance of {$22000.00} is in dispute due to the fact that the XXXX XXXX XXXX owned by XXXX and XXXX XXXX was involved in a car accident on XX/XX/XXXX. Notification of this incident was promptly conveyed to your company both via email and through a phone conversation with one of your agents. Consequently, the continuous reporting of this alleged debt to three credit agencies is a clear violation of the Fair Credit Reporting Act. 

I hereby demand the immediate removal of this inaccurate information from all credit agency reports. Failure to comply with this request will leave me with no choice but to pursue legal action to address this matter and seek appropriate remedies. Legal counsel will be engaged to handle these matters should the erroneous reporting persist. 

I urge you to conduct a thorough review of your records and make the necessary corrections to accurately reflect the circumstances surrounding the referenced account. Any further attempts to collect on this disputed debt will be considered a willful violation of consumer rights and fair credit practices. 

I kindly request that you provide written confirmation once the corrective actions have been taken to ensure the accurate reporting of this account. Your prompt attention to this issue and a resolution that aligns with credit reporting laws and regulations are expected. 

Thank you for your cooperation in promptly addressing this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act, The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 U.S.C.1681. Wakefield and Associates : account # XXXX...... Wakefield and Associates account # XXXX... ..has Violated my Rights. 15 U.S.C. 1681 section 602-A states that I have the right to privacy. 15 U.S.C. 1681 section 604-A, section -2 also states : that a Consumer Reporting Agency can not furnish an account without my written instructions. 15 U.S.C. 1681-C ( a ) ( 5 ) section also states : no Consumer Reporting Agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than record 's of conviction of crime 's which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
I have been called by Wakefield and Associates numerous times a day for the past month and a half. When I spoke to them I asked where the debt was from and told them I would contact the hospital myself to see if I owed the debt. XXXX XXXX XXXX stated I owed nothing like that. I called Wakefield back and relayed this to a representative but the calling has persisted and its harassment, and unnecessary. Also, the representative at XXXX XXXX XXXX said that many other people were inquiring about debts they were told they owed and didnt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: OH

Complaint narrative:
Unauthorized inquiries have been identified on my credit report.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Account No : XXXX Dear Sir/Madam, I am writing to address the recent communication received from your office dated XX/XX/XXXX, regarding an outstanding balance associated with Account No : XXXX under the names of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX However, after reviewing the information provided in your letter, it has come to my attention that there are inaccuracies that must be urgently rectified. 

The statement made in your correspondence regarding the outstanding balance of {$22000.00} is in dispute due to the fact that the XXXX XXXX XXXX owned by XXXXXXXX XXXX XXXX XXXXXXXX was involved in a car accident on XX/XX/XXXX. Notification of this incident was promptly conveyed to your company both via email and through a phone conversation with one of your agents. Consequently, the continuous reporting of this alleged debt to three credit agencies is a clear violation of the Fair Credit Reporting Act.

I hereby demand the immediate removal of this inaccurate information from all credit agency reports. Failure to comply with this request will leave me with no choice but to pursue legal action to address this matter and seek appropriate remedies. Legal counsel will be engaged to handle these matters should the erroneous reporting persist. 

I urge you to conduct a thorough review of your records and make the necessary corrections to accurately reflect the circumstances surrounding the referenced account. Any further attempts to collect on this disputed debt will be considered a willful violation of consumer rights and fair credit practices. 

I kindly request that you provide written confirmation once the corrective actions have been taken to ensure the accurate reporting of this account. Your prompt attention to this issue and a resolution that aligns with credit reporting laws and regulations are expected. 

Thank you for your cooperation in promptly addressing this matter. 

Sincerely, 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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Account No : XXXX Dear Sir/Madam, I am writing to address the recent communication received from your office dated XX/XX/XXXX, regarding an outstanding balance associated with Account No : XXXX under the names of XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX However, after reviewing the information provided in your letter, it has come to my attention that there are inaccuracies that must be urgently rectified. 

The statement made in your correspondence regarding the outstanding balance of {$22000.00} is in dispute due to the fact that the XXXX XXXX XXXX owned by XXXX and XXXX XXXX was involved in a car accident on XX/XX/XXXX. Notification of this incident was promptly conveyed to your company both via email and through a phone conversation with one of your agents. Consequently, the continuous reporting of this alleged debt to three credit agencies is a clear violation of the Fair Credit Reporting Act.

I hereby demand the immediate removal of this inaccurate information from all credit agency reports. Failure to comply with this request will leave me with no choice but to pursue legal action to address this matter and seek appropriate remedies. Legal counsel will be engaged to handle these matters should the erroneous reporting persist.

I urge you to conduct a thorough review of your records and make the necessary corrections to accurately reflect the circumstances surrounding the referenced account. Any further attempts to collect on this disputed debt will be considered a willful violation of consumer rights and fair credit practices. 

I kindly request that you provide written confirmation once the corrective actions have been taken to ensure the accurate reporting of this account. Your prompt attention to this issue and a resolution that aligns with credit reporting laws and regulations are expected. 

Thank you for your cooperation in promptly addressing this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account No : XXXX Dear Sir/Madam, I am writing to address the recent communication received from your office dated XX/XX/XXXX, regarding an outstanding balance associated with Account No : XXXX under the names of XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, after reviewing the information provided in your letter, it has come to my attention that there are inaccuracies that must be urgently rectified. 

The statement made in your correspondence regarding the outstanding balance of {$22000.00} is in dispute due to the fact that the XXXX XXXX XXXX owned by XXXX XXXX XXXX XXXXXXXX was involved in a car accident on XX/XX/XXXX. Notification of this incident was promptly conveyed to your company both via email and through a phone conversation with one of your agents. Consequently, the continuous reporting of this alleged debt to three credit agencies is a clear violation of the Fair Credit Reporting Act.

I hereby demand the immediate removal of this inaccurate information from all credit agency reports. Failure to comply with this request will leave me with no choice but to pursue legal action to address this matter and seek appropriate remedies. Legal counsel will be engaged to handle these matters should the erroneous reporting persist. 

I urge you to conduct a thorough review of your records and make the necessary corrections to accurately reflect the circumstances surrounding the referenced account. Any further attempts to collect on this disputed debt will be considered a willful violation of consumer rights and fair credit practices. 

I kindly request that you provide written confirmation once the corrective actions have been taken to ensure the accurate reporting of this account. Your prompt attention to this issue and a resolution that aligns with credit reporting laws and regulations are expected. 

Thank you for your cooperation in promptly addressing this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation