vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 " GOVERNS ACCESS TO CONSUMER CREDIT REPORT RECORDS AND PROMOTES ACCURACY '' I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE ABOVE MENTIONED COMPANIES. HOW THEY OBTAINED MY INFORMATION AND HAVE IT SUBMITTED TO MT CREDIT REPORT WITHOUT MY PERMISSION IS A CRIME WITHIN ITSELF. THIS REQUEST IS TO HAVE THE INACCURATE INFORMATION PERMATELY REMOVED FROM 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 2024-10-12 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX ) Portfolio Recovery XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX 15 U.S.C. 1681 " GOVERNS ACCESS TO CONSUMER CREDIT REPORT RECORDS AND PROMOTES ACCURACY '' I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE ABOVE MENTIONED COMPANIES. HOW THEY OBTAINED MY INFORMATION AND HAVE IT SUBMITTED TO MT CREDIT REPORT WITHOUT MY PERMISSION IS A CRIME WITHIN ITSELF. THIS REQUEST IS TO HAVE THE INACCURATE INFORMATION PERMATELY REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I have not supplied under the doctorine of estoppel silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

According to FCRA Section 605B its illegal to put anything on my credit report without my permission. Please remove this negative item. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo called me ( the caller ID said Wells Fargo ) the person on the phone gave me an identification number that they said was their Wells Fargo identification number. They told me that there was fraudulent activity from XXXX. They asked me if I had received any text messages from XXXX and when I said no, they told me that someone had cloned my phone and I needed to log into XXXX and enter Codes that would cancel the fraudulent transactions. I asked them what transactions and they told me there was a {$990.00} amount and a {$1200.00} amount. they had me enter a series of codes and that they said were cancellation codes. And to hit send. after I pressed send I saw that the codes I entered turned into dollar amounts and that they were actually withdrawing money from my account. I asked the person on the phone what this meant and why was the money being deducted from my checking and they said its not being deducted we are sending cancellation codes that will prevent the money from being deducted. I said this feels wrong and I dont understand why the codes you gave me turned into dollar amounts. The man then told me that this is how they escalate fraudulent activity to the supervisors. I said I dont believe that this is correct and I disconnected the call. I immediately called back Wells Fargo to discover that I was not speaking to Wells Fargo in the first place, and they opened a claim and at this point, the money has been taken out of my account. I have screenshots of the peoples names they told me were the supervisors, and I have screenshots of what how the codes turned into numbers. They told me that this is a scam that theyre familiar with and that Wells Fargo would never ask ask customers to do transactions over the phone and that it would take 10 business days for them to remedy this, but theyre not even going to guarantee that they can get my money back even though they recognize that this is a scam that has been happening to other clients

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 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-14 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS. I AM A VICTIM OF HUMAN TRAFFICKING WHICH FALLS UNDER TRAFFICKING ACCORDING TO TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PLEASE DELETE ALL THE FOLLOWING XXXX {$0.00}, XXXX XXXX {$120.00}, XXXX {$190.00}, XXXX XXXX {$320.00}, XXXX XXXX {$810.00}, XXXX XXXX XXXX  {$3700.00} MY FTC REPORT NUMBER 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 2024-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC claims that I owe this amount of XXXX dollars to them I deny and dispute this. I do not owe them this money and I request to have this taken off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I noticed several unauthorized hard inquiries on my credit report from XXXX XXXX NA dated XX/XX/XXXX, and XX/XX/XXXX, as well as from XXXX on XX/XX/XXXX. These inquiries were made without my knowledge or consent. 

Upon discovering these fraudulent inquiries, I immediately filed an Identity Theft Report and gathered the necessary identification documents to dispute these items. I took steps to contact the relevant financial institutions and Experian to notify them of the fraud. Attached to this dispute are copies of the Identity Theft Report, my driver 's license, and my Social Security card for identity verification. 

Despite my prompt reporting and submission of supporting documentation, the unauthorized inquiries remain on my credit report. These fraudulent actions have negatively impacted my credit score, and I am seeking the immediate removal of these inquiries under 15 U.S. Code 1681c-2, which requires credit reporting agencies to block information resulting from identity theft within four ( 4 ) business days after receiving the proper documentation. 

I am asking that the inquiries be removed immediately, as they are false and harmful.

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 2024-10-12 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ) Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 " GOVERNS ACCESS TO CONSUMER CREDIT REPORT RECORDS AND PROMOTES ACCURACY '' I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE ABOVE MENTIONED COMPANIES. HOW THEY OBTAINED MY INFORMATION AND HAVE IT SUBMITTED TO MT CREDIT REPORT WITHOUT MY PERMISSION IS A CRIME WITHIN ITSELF. THIS REQUEST IS TO HAVE THE INACCURATE INFORMATION PERMATELY REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
This bank online mobile banking ghost account. Etc bill pay or XXXX  both establishes ghost account ran by online Bill pay or XXXX  employees to hold your money into it to pay your bills supposed at your request. I do not use this feature nor do others, however,. Unfortunately, PNC bank online banking and XXXX or XXXX employees as well as transactions via debit card department is taking my direct deposit funds as I apply and send to my account hacking into my account via an alert by watching when I login and literally pay my bills with my direct deposit to strangers, themselves and friends. I contacted occ which the case is still going, FDIC and antitrust and the bank is continuing the fraud. The fraud works like this. The direct deposit get released on Tuesday, but won't update until Wednesday into your bank account, bill pay or quicken must be online banking or mobile banking staffs or via debit card transactions put bills in on Tuesday while the direct deposit was released waiting .The direct deposit never hit your account on Wednesday. Because bill pay or quicken employees spent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> WESTERN FUNDNG XXXX XXXX XXXX XXXX XXXX, NV XXXX Subject : Formal Dispute - Unauthorized Furnishing and Access to My Credit Information Dear Sir/Madam , I am writing to formally dispute the reporting and/or obtaining of my personal credit information by your agency without my written consent, as outlined under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). 

I have identified the following account on my credit report, which I have not authorized : Creditor Name : WESTERN FUNDNG Account Number : XXXX According to the FCRA, credit reporting agencies are required to have explicit written authorization to furnish or obtain an individual 's credit information. I have never provided such authorization, and I believe that your agency has either furnished my credit report to third parties or accessed it in violation of these requirements. 

Please investigate this matter and provide me with documentation showing the written authorization that you claim allows you to furnish or obtain my credit information. If no such authorization exists, I respectfully demand that you : Immediately cease any unauthorized furnishing or access to my credit information. 
Delete any entries or information that were furnished or obtained without my consent. 
Send me a confirmation of your actions regarding the deletion or correction of my credit report. 
Additionally, I request that you send a copy of the updated credit report reflecting these changes. 
Under 15 U.S.C. 1681, you are required to investigate and resolve this matter within 30 days. If this matter is not corrected, I will consider pursuing legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. 

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 2024-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion, and XXXX is reporting a inquiry account for XXXX XXXX They refuse to remove it, they refuse to move it I never heard of this account any account or signed up for anything.

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 2024-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MN

Complaint narrative:
As of XX/XX/XXXX of XXXX i had went to XXXX XXXX XXXX to purchase a vehicle. In wich i had entered in an agreement after seeing a car that i had in mind to buy but was sold to someone else. I had little to no understanding of my contract terms agreement an or finance As they rushed threw the paperwork deceptively. The company in fact have used my lack of knowledge to put me in contract with third party 's. My car broke down costing me time at work an they stuck me with bills as they misrepresented a limited warranty an purchase agreement the company had me come out of pocket for insurance and unlawful down payment amongst other factors. As of a month ago i started educating myself realizing that i have been apart of a scheme of identity theft reporting fair credit down payments non disclosers and more. Realizing i am one of the victims in the XX/XX/XXXX XXXX XXXX XXXX XXXX it was time i exercised my rights. An so i Revoked Power of Attorney XX/XX/XXXX notarized and sent certified. As of XX/XX/XXXX I exercised my right to rescission and notarized my Rescission and sent certified. And also submitted an Affidavit of Truth XX/XX/XXXX notarized and sent certified. I was not giving any knowledge on my rights to rescission and that's where it started an it does not help that my signature was copied an pasted threw these agreements. It is very predatorial and unlawful costing me thousands and my health to decline because of the stress of losing my job because of lack of transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I bought a XXXX XXXX from XXXX XXXX XXXX and was told in order to get their rebate off my car I had to take a loan out so u said I can but I can pay it in full and the dealer told me I had to make XXXX payments and could not pay it off the day of purchase with the bank so now Ive been charged over XXXX in interest waiting on my loan information from PNC and this was predatory lending practices and high pressure sales which are both illegal. They also did a 6 year loan at XXXX and did not shop around for any rates and gave me a very high rate and term.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: AR

Complaint narrative:
I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE 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 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing in to dispute inaccurate personal information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 611, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information in a consumer 's credit report. 

I have mailed off several disputes to Experian, XXXX and XXXX and its always the same ole thing. They want to send that same " stall tactic letter '' out but can not mail out any updates or responses from the Credit Disputes that I am sending to them. By Law they are supposed to do their jobs and as consumers, we have the right to dispute erroneous information/accounts on our credit report. 

Disputes are attached since I can not get them to even review my disputes. Never Ever

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 2024-10-14 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: Experian Information Solutions Inc.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted XXXX XXXX and have asked them to close the fraudulent accounts and to remove the hard inquiries. They are in the process of closing the accounts BUT the hard inquiries are yet to be removed. I need the hard inquiries dated XX/XX/XXXXXXXX XXXX XXXX  and XX/XX/XXXXXXXX XXXX  to be removed from Experian and XXXX XXXX credit reporting agencies. i didnt give permission for my information to be used to open any accounts. the company is closing them. I need the hard inquiries removed. A fraud alert will be put on my credit reports.

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 2024-10-12 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I just find few hard inquiries on my credit report which is not authorized by me. Name of the companies are XXXX ) XXXXXXXX XXXX, XXXX ) SYNCB/AMAZON, 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