vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Driveway Finance Corporation
State: NV

Complaint narrative:
I had my identity stolen and I found out it was being used in many different states a couple years ago. Ive filed a police report. Years later in 2024 Im trying to purchase my first car and Im getting denied left and right because I have a car loan in collections as well as a repossession under my name. I searched for more information to find out the company Driveway by XXXX, which is an online car dealership. A XXXX was loaned from that company but I never received the car or knew anything about a car being delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Sign up on experian website for all three reports and score and was denied...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
In response to CFPB complaint number # XXXX - XXXX, my name is XXXX XXXX, a Federally protected consumer, and I am making this complaint against Spring Oaks Capital SPV LLC for violating a cease desist notice they received XX/XX/year> and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a cease and desist notice. 

Exhibit A. which is a copy on my XXXX Report consumer report, Exhibit B. which is copy of their response to CFPB complaint # XXXX XXXX XXXX and a XXXX  of an FTC report that will be labeled as Exhibit C when filing for litigation in Federal Court to this complaint, SPRING OAKS CAPITAL LLC # XXXX and Reference No. - XXXX stated with its purchase of the account, the current owner who is SPRING OAKS CAPITAL SPV LLC # XXXX aquiried all ownership rights, including the rights to collect on the account. But I never contacted with them and they have no reason to have my identifying information. Also, pursuant 15 USC 1691g ( c ). I have not validated any alleged debt with Spring Oaks Capital SPV LLC and my failure to dispute the validity of these alleged debt shall not be construed as an admission of liability, SPRING OAKS CAPITAL SPV LLC stated that on XX/XX/year>, XX/XX/year>, XX/XX/year> that the previous disputes were mail to the same address provided in this complaint including the account documentation a copy of the Bill of Sale reflecting our purchase of the reference and the assignment documents reflecting the subsequent transfer to SPRING OAKS CAPITAL SPV LLC. As well As a breakdown of charges and credits As of XX/XX/year>, I have not validated any alleged debt with receive any documentary evidence, such as a Trilateral contract, giving SPRING OAKS CAPITAL SPV LLC any right to collect on this alleged debt, It is my belief that SPRING OAKS CAPITAL SPV LLC are attempting unlawful extortionate means activities and theft by deception by attempting to furnish false and deceptive forms. SPRING OAKS CAPITAL SPV LLC also stated they disagree with assertion contained with this complaint related to their handling of the reference account # XXXX. I have never received any documentation requesting validation from SPRING OAKS CAPITAL SPV LLC, Before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If SPRING OAKS CAPITAL SPV LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, consumer, prior to furnishing it on my consumer reports, this has been a fraudulently furnished account with Forethought and Malice as an attempt to bring harm to me and my financial reputation. Account # XXXX, Reference No. # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: FL

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate. 
Please remove these Inquiries 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 non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: KS

Complaint narrative:
Jefferson Capital has repeatedly removed and re-added a collection account from my credit report, despite my numerous disputes. On the week of XXXX XXXX XXXX, I contacted Jefferson Capital to resolve the debt, and a representative informed me that the debt was not legitimate. However, she suggested I make monthly payments to their company to have the account removed, which seemed unusual. In response, I sent my own dispute letters on XX/XX/year>, but I have not been provided with proof of the debt. Jefferson Capital claims I owe {$1000.00}, but no verification has been provided. I request a thorough review of the handling of this account, legitimate proof of the debt, and correction of the repeated changes to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit profile was updated to show a delinquent account was removed from my credit reports including Transunion, XXXX and XXXX. After the delinquent account was removed, the action dropped my credit score significantly. A delinquent account removal should never decrease scores! This action is a positive change but instead is negative. I believe that these reports are false and I request my profiles to be properly updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: NY

Complaint narrative:
Won't remove the on authorized increase because they claim I'm using the third-party company which I am not. I'm the one and the only person that's repair 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 2024-09-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Complaint Against Equifax for Improper Use of Credit Report Dear Sir/Madam, I am writing to formally file a complaint against Equifax for the improper handling of my credit report, which has occurred for the second time. Equifax has unjustly closed my positive credit card account XXXXXXXX XXXX that I have maintained for over a year. This has significantly impacted my creditworthiness and causing undue stress. 

This action has not only affected my credit score but has also triggered my XXXX XXXX XXXX XXXX, further exacerbating my XXXX XXXX challenges. As a consumer, I expect credit reporting agencies to manage my information accurately and fairly, and Equifaxs actions have violated that expectation. 

It is important to note that my credit card account is reported to all three major credit bureaus, and my account with XXXX, XXXX remains unaffected. The discrepancies in reporting and the closing of my account by Equifax are unacceptable. I urge the CFPB to review the dates and the circumstances surrounding this issue. 

I request that the CFPB hold Equifax accountable for their actions and compel them to restore my closed account and rectify my credit report. I believe that restoring my account will not only improve my credit score but also alleviate the mental distress caused by this situation. 

Thank you for your attention to this critical matter. I look forward to your prompt response and action on this issue. 

Sincerely, The same account was reported to XXXX on the XX/XX/XXXX so when it got reported to Equifax on XX/XX/XXXX they closed it. Also on XXXX XXXX they removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax for Improper Use of Credit Report Dear Sir/Madam, I am writing to formally file a complaint against Equifax for XXXX XXXXper handling of my credit report, which has occurred for the second time. Equifax has unjustly closed my positive credit card account XXXXXXXX XXXXXXXX that I have maintained for over a year. This has significantly impacted my creditworthiness and causing undue stress. 

This action has not only affected my credit score but has also triggered my XXXX XXXX XXXX XXXX, further exacerbating my XXXXXXXX XXXX  challenges. As a consumer, I expect credit reporting agencies to manage my information accurately and fairly, and Equifaxs actions have violated that expectation. 

It is important to note that my credit card account is reported to all three major credit bureaus, and my account with XXXX, XXXX remains unaffected. The discrepancies in reporting and the closing of my account by Equifax are unacceptable. I urge the CFPB to review the dates and the circumstances surrounding this issue. 

I request that the CFPB hold Equifax accountable for their actions and compel them to restore my closed account and rectify my credit report. I believe that restoring my account will not only improve my credit score but also alleviate the XXXX XXXX caused by this situation. 

Thank you for your attention to this critical matter. I look forward to your prompt response and action on this issue. 

Sincerely, The same account was reported to XXXX on the XX/XX/XXXX so when it got reported to Equifax on XX/XX/XXXX they closed it. Also on XXXX XXXX they removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint for CFPB Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> XXXX I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax refusal to comply with this law is a clear violation of my consumer rights.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Equifax upholds its obligations under the law.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint for CFPB Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2021 XXXX I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax refusal to comply with this law is a clear violation of my consumer rights.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Equifax upholds its obligations under the law.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: 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 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 XXXX 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 2024-09-15 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: 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 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 XXXX 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 2024-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: AZ

Complaint narrative:
1. Lost my information in a data breach and were very uncooperative, denying that they had a data breach after sending them the XXXX  files that notified me. -This led to identity theft, causing all of my accounts to be taken over, maxed, closed down, credit history destroyed, my house being listed currently, marriage over, don't have a car any more and cant get financing, all because of gemini and XXXX  XXXX. 2. Blamed it on me. After depositing {$250.00}, plus XXXX ethereum which never showed up, my account was frozen and has not been unfrozen ever since. They have dodged the issue, and have attempted to tell me that a payment was reversed. They don't accept payments, I would never send a payment to them for anything, and my XXXX  account shows the exact amount that I am saying they stole as being sent to them. 3. Block me from being able to access it by giving horrible customer service, and making me repeat a 2 week cycle of verifying myself with pictures, telling them why i'm contacting them, being condescending towards me, until I report them to you, the police, the FBI, SEC, my consumer attorneys in this case, and I think just hope I'll go away. Once i've answered all of their verification questions, someone else takes the email chain with the pictures and all of the things they've asked for 2 weeks in order to unfreeze my account, where supposedly my XXXX and {$250.00} USD are stored, and acts like it is the first time I've emailed in and says that they are sorry but they can't talk to me unless I verify myself. Constant loop of that which has gone on since 2021. 4. They've not paid what they owe from their class action settlement. They've gone as far as denying ever being involved with a class action lawsuit, as well as an SEC lawsuit for being an unlicensed securities vendor. They call themselves a " licensed trust company '' like I care at all about their justifications. Theft, fraud, racketeering, deception, lible, slander, defamation, identity theft, perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OLIPHANT FINANCIAL, LLC
State: IL

Complaint narrative:
I was sued for {$13000.00} on XX/XX/year> by XXXX XXXX XXXX, who was handling the files for Oliphant USA, a debt collector who I am assuming purchased the debt that I owed to XXXX XXXX ( XXXX ). XXXX XXXX XXXX was represented by XXXX XXXX XXXX law firm for the case. I settled the account with XXXX XXXX XXXX on XX/XX/year>, and the case was dismissed with prejudice by the Circuit Court of XXXX County on XX/XX/year>. 

To make sure my credit reports were updated, I have called XXXX XXXX XXXX, XXXX XXXX XXXX and Oliphant USA, who all told me the account was settled and would be updated on my credit reports. 

The Oliphant USA collection account was only listed with XXXX, and was not updated correctly, so I submitted a dispute on XX/XX/year> with XXXX. I received the results of the dispute on XX/XX/year> and the collection account was deleted entirely. 

I have myXXXX and monitor my credit reports and receive alerts. After the collection account was deleted from XXXX, it was added to XXXX with a balance stating Unpaid, which dropped my XXXX XXXX. I submitted a dispute with XXXX on XX/XX/year>. 

Oliphant USA is erroneously reporting a balance owed on an account I have already settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I did a volunteer repo for the vehicle and they still saying I still owe. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I do not owe XXXX, I do not have a contract with XXXX, I never authorized anyone to give them my personal information social security number, phone number, address, which violates my rights

Company response to consumer: Closed with explanation