vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: SC

Complaint narrative:
On XX/XX/year> I requested an investigation for my consumer report regarding some fraudulent activity. There are multiple accounts furnished inaccurately and fraudulently on my report. These accounts have never been verified nor have I ever granted anyone permission to report anything about me. I have never entered into a consumer credit transaction with these companies either. 15 USC 1681i Requires an investigation into these matters before you try to send me an automated response I am requesting a manual investigation into these accounts. XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX. I have attempted to contact these data furnishers and request evidence from them as well and no one was able to provide me with a wet ink signature contract with me agreeing to any terms.

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 2024-12-22 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: SC

Complaint narrative:
On XX/XX/2024 I requested an investigation for my consumer report regarding some fraudulent activity. There are multiple accounts furnished inaccurately and fraudulently on my report. These accounts have never been verified nor have I ever granted anyone permission to report anything about me. I have never entered into a consumer credit transaction with these companies either. 15 USC 1681i Requires an investigation into these matters before you try to send me an automated response I am requesting a manual investigation into these accounts. XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX. I have attempted to contact these data furnishers and request evidence from them as well and no one was able to provide me with a wet ink signature contract with me agreeing to any terms.

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 2024-12-22 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: GA

Complaint narrative:
Equifax has my data and personal information exposed in a data breach and I need ny consumer report wiped clean

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX  card on my account is charged off & written off. Experian will not remove it off of my report. I also didn't receive a 1099 that it was written off but still reporting as a valid debt

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 2024-12-22 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT

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 2024-12-22 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: VA

Complaint narrative:
PLEASE SUBMIT THIS TO THE CFPB FOR REVIEW. ALSO ATTACHED ARE ALL THE FCRA VIOLATIONS COMMITTED NY EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> I went to mainland Investment located at XXXX XXXX XXXX XXXX TX XXXX phone number XXXX I was refused a test drive after asking several times. The sales person kept making excuses on why the vehicle was at the location for a test drive.

The manager by the name of XXXX went over the contract which we both wet signed. 

The very next day, I had to set an appointment to enter the vehicle into the dealership service center. The car started to jerk at stop lights or turn off at the lights. 

After getting the vehicle from the shop, the next morning the car started smoking under the hood. I reached out to the dealership who instructed me to bring the vehicle back. 

I reached out the lender Credit Acceptance XXXX to get assistance. I was advised to request the dealership to exchange the vehicle or go to another shop. The vehicle supposedly had a warranty. 

After a few days at the new repair shop XXXX XXXX also located on XXXX XXXX. XXXX reached out to inform me the engine was faulty and the cost to break down the engine to locate the issue would cost me {$4400.00}. 

I then reached back out to the lender credit acceptance to request the contract. 

After reviewing the contract the dealership submitted. I noticed it was electronically signed, verse the wet sign between XXXX and I, the creditor/seller name was XXXX XXXX XXXX and not XXXX and the finance amounts were different. 

I requested an investigation on the forged documents and the lender declined. They are allowing forged documents because they want money just like the dealership just money hungry at the cost of the consumer. I never used a key pad to electronically sign or did I have knowledge of the difference until I received the email from credit acceptance. The forged document and scammed me out of my money.

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 monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Exto Inc.
State: VA

Complaint narrative:
On XX/XX/year>2024 I purchased a XXXX tree from XXXX. I brought the tree home and it was too tall for my ceiling. On XX/XX/year>2024 I returned the product to XXXX. Ive yet to receive my refund and XXXX is refusing to help. The amount of the transaction is {$99.00} I want my money back and the issue resolved or legal action will be taken against XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I received paperwork of myself taking over a lease from a person I have never met or know. They sent a contract with a signature not mine. I am XXXX XXXX XXXX and have lived in only two places the last 50 years. XXXX XXXX XXXX XXXX XXXX shores and XXXX XXXX XXXX XXXX  XXXX fl. 
I have not missed a mortgage payment in 50 years. This is fraud PROFESSIONAL DEBT ME ACCT XXXX AMOUNT {$19000.00} is the company trying collect and take advantage of a elderly person by tricking me on the phone. 


I HAVE NEVER LIVED OR BEEN TO THIS BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I am It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. 
GM FINANCIAL, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information, I have opted out of any and all communication regarding this account with any non affiliated third parties, yet these financial institutions continue to violate federal law by continuing the unauthorized reporting of this account.

These financial institutions have violated the following Federal rules and regulations 15 USC 6802 ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( 2 ) The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. 
These companies have made my life difficult in reporting this account for the for almost 6 years. Now it is XXXX and I'm not able to get my family what they need

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
XXXX Lexington Law - I've received services from Lexington Law over an extended period of time on two separate occasions. Lexington law required payment upfront before services were conducted etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inaccurate information of my closing date, no charged off date and last payment date.

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 2024-12-22 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: EQUIFAX, INC.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: VA

Complaint narrative:
PLEASE SUBMIT THIS TO THE CFPB FOR REVIEW. ALSO ATTACHED ARE ALL THE FCRA VIOLATIONS COMMITTED NY EQUIFAX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: AR

Complaint narrative:
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. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX 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 it you could assist in removing the following from my credit report, these are the accounts :

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 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
i received a {$XXXX} XXXX  transaction. my account balance raised to {$XXXX} and cents. the next morning Navy Federal CU randomly pulled {$XXXX} to cover what they described, on their recorded line, a charged off account. that was a red flag for me.im concerned as to why now they decide to collect, years later, when i am in active debt resoultion, already affected my score, seems predacious and indicative of an unchanged mind state in a company who just had to settle over billions stolen from consumers. they left me with {$XXXX}. 

i went next day to the branch to remove funds from my account to protect my balances. i left {$XXXX} in the account. when i got home, i transferred out about {$XXXX} dollars. the next morning i had a negative balance of {$XXXX} and cents. there was a recurring deposit of {$XXXX} to my investment account. what they did is showed me available balance enough to cover my XXXX  transactions initially. i confidently moved my money around. when i called to inquire the next day, they told me it was my XXXX  {$XXXX} transaction that took me over to negative but that was not the case on the available ledger to me. as i studied the list of transactions, they settled themselves and left me exposed over XXXX  transactions that were already reflecting available balance. 

In my eyes, this is indicative of a company who has no learned or seemingly has not made any course corrections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My insurance payments are escrowed into my loan, as is required. My home insurance through progressive was supposed to be payed by XXXX XXXX I received a letter that my insurance payment was due like I normally do every year. This year however, NewRez did not make the insurance payment on time, which resulted in a lapse in coverage from XXXX XXXX XX/XX/XXXX according to the date from XXXX XXXX which payment for XXXX insurance policy was made. I received three letters total from my mortgage company, XXXX. The first letter states that I needed to provide proof of insurance. The second letter I received said that my insurance policy had been paid for XXXX and that no further action was required. I then XXXX weeks later, received the third letter from mortgage company that states I will have to pay for insurance for XXXX XXXX XXXX due to a lapse in coverage. The lapse in coverage was due to non on time payment by my mortgage company. I can not make the insurance payment as it is in the escrow account, operated by XXXX. The last XXXX years everything has ran perfectly fine nothing has been late or unpaid but this year something is different. I have included below pictures of the policy renewal for the last XXXX years showing that XXXX  was sent the documents by XXXX. I am not sure why there was a lapse in coverage if the policy states it is effective XX/XX/XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: CA

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. 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  has violated my rights. 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 2024-12-22 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: CA

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. 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 has violated my rights. 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 explanation