vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX, and Equifax continue to report that I owe a debt that I do not. This alleged debt has been paid since day XXXX by the note that is being used. The credit bureaus knows this but are paid by XXXX XXXX to furnish this information. The credit bureaus also sells my information to other businesses this puts me at risk of identity theft and other cyber attacks. Furthermore the credit bureaus are not allowed to furnish anything I have note validated or verified as accurate as this is my consumer report that they are furnishing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: CA

Complaint narrative:
XXXX, Experian, and XXXX continue to report that I owe a debt that I do not. This alleged debt has been paid since day XXXX by the note that is being used. The credit bureaus knows this but are paid by XXXX XXXX to furnish this information. The credit bureaus also sells my information to other businesses this puts me at risk of identity theft and other cyber attacks. Furthermore the credit bureaus are not allowed to furnish anything I have note validated or verified as accurate as this is my consumer report that they are furnishing.

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 2024-02-14 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: NY

Complaint narrative:
I Received verification/ Letters / EMAIL that XXXXXXXX XXXX XXXX XXXX XXXX XXXX has been PAID/COLLECTION CANCELED TO BE REMOVED FROM ALL 3 MAJOR CREDIT REPORTING AGENCIES!!!!! 
ACCORDING TO CONSUMER PROTECTION FEDERAL SERVICES AND THE FCRA, AND THE FEDERAL TRADE COMMISSION!!!!

15 USC 1681 ( A ) ( B ) ( C ) ( E ) STATING INACCURATE INFORMATION AND THE RIGHT TO PRIVACY AND ETC!!!! 
I WANT TO SUE FOR MONETARY DAMAGES FOR ALL THESE YEARS STATING ALL THESE ERRORS ON MY 3 MAJOR CREDIT REPORTING AGENCIES ACCOUNTS!!!

ALL 3 MAJOR CREDIT REPORTING AGENCIES SHOULD REPORT EXACTLY, ACCURATE SAME INFORMATION!!

THIS HAS BEEN 2 TO 3 YEARS DISPUTING THESE 2 OR MORE ACCOUNTS!!

30 TO 90 DAYS IS THE LAW TO REMOVE THESE PROVEN TO EXTEND PAST 30 TO 90 DAYS AUTOMATICALLY SHOULD BE REMOVED FROM ALL 3 CREDIT REPORTING AGENCIES!!

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 2024-02-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I right the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-02-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I right the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I.C Systems Inc stole my nonpublic personal information, opened a fraudulent account in my name without my knowledge or consent, is attempting to extort me for payment and then reported this fraudulent account into my credit report which has caused so much damage. I am stressed and embarrassed. I never received any notices from IC systems, not that I should any way but, they are required to follow federal law in which they did not. I do not have any contracts with them. There is no Privity of contract between me and them. I.C Systems has failed to provide adequate validation of the debt. I.C Systems has failed to provide : Proof of the existence of the alleged debt and outstanding balance ; proof of a contract verifying I.C Systems can legally collect ; and proof that I.C. Systems Inc is the current holder of the instrument which created the debt.

I.C. Systems is violating Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This company claims that the alleged debt was originated from XXXX yet I.C Systems Inc is the company listed on my consumer credit report. I.C. Systems claims to have purchased the alleged debt/transferred the debt from another company, XXXX. Aside from the unsubstantiated validity of the alleged debt, this is a violation of law. 

I REFUSE TO PAY THIS ALLEGED DEBT AND I DO NOT CONSENT FOR I.C. SYSTEMS TO HAVE ACCESS TO MY NONPUBLIC PERSONAL INFORMATION AS THEY ARE THIRD PARTIES THAT I NEVER DID BUSINESS WITH.

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 2024-02-13 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: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX  XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: OK

Complaint narrative:
Date : XX/XX/24 Dear Consumer Financial Protection Bureau : I am writing this letter to elicit your support in redirecting the collection efforts of NetCredit concerning a loan that was fraudulently obtained in my name. 

I have attached the relevant facts that were provided to NetCredit in a phone call on XX/XX/24 and in an email dated XXXX? ? XXXX. 

To date, NetCredit affirms that I am responsible for the loan that I did not authorize and for the funds that I did not receive. 

I am requesting your assistance in resolving this matter. 

Contact information for NetCredit : NetCredit XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX, XXXX My contact information : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NetCredit account number : XXXX Attachments : Letter to NetCredit All attachments to letter to NetCredit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: TX

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 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2024-02-13 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: NY

Complaint narrative:
This is my formal notice of these items not being XXXX XXXX accurate and resulting from identity theft. My information has been misused and has led to these fraudulent items appearing on my 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 non-monetary relief
Consumer complaint received 2024-02-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear LVNV FUNDING LLC, I am writing to dispute any and all debts associated with my name in your records. As per the Consumer Financial Protection Bureau ( CFPB ) guidelines, I revoke all communication rights and request validation of this debt. I demand full disclosure, including the purchase agreement between your agency and the original creditor, as well as proof of your licensing and bonding. 

It has come to my attention that despite my requests, you have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Yet, you have reported this debt to consumer reporting agencies, which is a violation of my rights under the same regulation.

Furthermore, I have not been given an opportunity to dispute this account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Your actions constitute false, misleading, and deceptive practices, which are prohibited by the Fair Debt Collection Practices Act [ 6 ]. Moreover, your furnishing of this account to consumer reporting agencies without proper disclosures is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) [ 5 ], [ 4 ]. 

I demand that you cease all collection activities and remove this debt from my consumer report immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
XXXX  XXXX Gap insurance is taking their time to pay off the rest of my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB officials, I'm XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX, TX. XXXX. I wire transferred the money from my checking account of Wells Fargo Bank to XXXX XXXX but I got scammed. Please help me. I'm sending the long attachment to you now. Please take a look

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 2024-02-13 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: MO

Complaint narrative:
Fraudulent crooked company either STILL WORKING ON THE ISSUE OR MARKED AS DUPLICATE

SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM 
 
AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-13 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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2024-02-13 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 urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me considerable distress. Please rectify this error swiftly.

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 2024-02-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I right the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-02-13 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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 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 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
Consumer complaint received 2024-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Ive been fighting with the bank and theyve received payment but deemed the first check suspicious and sent it back they didnt bother calling to verify the check at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: IL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
I am filing a complaint against TransUnion regarding their repeated failure to adequately address my dispute letters concerning inaccurate items on my credit report. I sent these dispute letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Each of these letters included copies of my photo ID, social security card, and a recent bill with my current address to assist TransUnion in verifying my identity and address. 

However, I received identical responses from TransUnion on XX/XX/XXXX, and XX/XX/XXXX, stating that they couldn't process my requests as it didn't appear that they were sent directly by me or an authorized third party. This consistent failure to properly investigate my disputes violates the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this complaint are copies of all my dispute letters sent to TransUnion, along with their responses, as evidence of my repeated attempts to resolve this matter.

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