vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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: TX

Complaint narrative:
This morning, I noticed that my credit report has unauthorized inquiries, and I'm completely at a loss. When I checked my report, I found unexpected discrepancies that I didn't see before. I even tried refreshing my browser to rule out a glitch, but the unauthorized inquiries still show up. Im frustrated and insist that the documents I sent be carefully reviewed so that I can have peace of mind.

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 2024-10-09 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
I XXXX XXXX am a victim of identity theft and violations of the fdcpa by Jefferson Capital Systems ; XXXX XXXX ;, furnished a report in reference to my social security number regarding an alleged debt Jefferson Capital Systems ; claims is owed on account number : XXXX This letter serves as your legal notice, pursuant to the provisions of the Fair Debt Collection Practices Act 15 U.S. Code 1692c ( c ) to ; CEASE AND DESIST ALL COMMUNICATIONS and TRANSMISSIONS of electronic files containing consumer 's name and address, her status as a debtor, details of debt, and other personal information regarding the above-referenced alleged debt.Khimmat v. Weltman, Weinberg and Reis Co. , LPA, E.D.Pa.2022, 585 F.Supp.3d 707. Finance, Banking, And Credit 1487 The consumer has decided not to work or communicate with any collections agency regarding this matter. Any further correspondence from your organization or any other collection agency will be discarded or returned to you unopened. Bishop v. I.C. System, Inc., M.D.Fla.2010, 713 F.Supp.2d 1361. Finance, Banking, And Credit 1484 WHEREFORE, the consumer demands all collection activities such as all calls, visits, electronic communication with third parties regarding details of the alleged debt, the consumers status as a debtor, and the precise amount of the alleged debt CEASE AND DESIST, and these account be REMOVED from all three of consumer reports.

Failure to comply with this legal notice to cease & desist all forms of communications constitutes a violation of the Fair Debt Collection Practice Act, and may warrant legal action. Webster v.

ACB Receivables Management , Inc., D.Md.2014, 15 F.Supp.3d 619.Finance, Banking, And Credit 1484.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to freeze my credit with Equifax for the past 3 months. Everytime I login to https : //my.equifax.com and navigate to https : //my.equifax.com/membercenter/ # /freeze I get an error message of " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' This occurs every time I login try via their online tools. I have tried clearing my browser cache and also tried on several different devices, i.e., XXXX XXXXXXXX, etc. but it is always the same error. 

I then try calling their customer care line, but is basically placed on indefinite hold waiting for an operator to answer my inquiry. 

It is basically impossible to freeze/unfreeze my credit report with the available tools made by Equifax currently .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing an official complaint regarding Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ) following my identity theft dispute. Despite providing evidence of identity theft, including my FTC Identity Theft Report and police report, Experian has failed to act in accordance with FCRA regulations to remove the fraudulent information from my credit report.I have been a victim of identity theft resulting from the XXXX XXXX breach, which has led to the inclusion of incorrect names, addresses, and employers on my credit report. Despite multiple attempts to dispute and resolve this matter with Experian, they have not taken the legally required steps to address these inaccuracies. Below are the details of the violations : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity Theft Block Experian is required by law to block any information resulting from identity theft within four business days upon receiving proof. Despite providing all necessary documentation, Experian has failed to block the fraudulent information associated with my identity. Due to Experian 's failure to comply with FCRA regulations, I continue to experience the following : Violation : Failure to block the fraudulent names, addresses, and employers associated with identity theft within the mandated timeframe is a direct violation of this section.

Damage to my credit profile due to fraudulent names, addresses, and employers being listed on my report.

Inability to obtain credit or financial services because of the inaccurate information remaining on my report. 
Emotional distress and financial hardship caused by Experian 's refusal to act within the legally mandated timeframe.

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 2024-10-09 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: IL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can & # XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-10-10 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: GA

Complaint narrative:
My credit report shows hard inquiries that I didn't initiate.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I saw a friend of the family post what appeared to be a legitimate post about selling their dad 's things before moving him to a retirement home. I was asking about purchasing a XXXX XXXXXXXX XXXX XXXX for {$6000.00}. I DMed the seller on messenger and proceeded to give them a {$1000.00} down deposit. I paid them through PayPal under Friends and Family. I understand that there are limited payment protections with this method. They then proceeded to send me a message saying their dad was asking for half the payment up front due to a lot of people asking about the items. I grew suspicious but complied due to them being close with my parents and sister in the past. I sent them {$1000.00} for a total of {$2000.00}. ( At this point I was noticing some weird wording but I was the only XXXX in my family not very close with them. ) They were asking about the other {$1000.00} and that their cousin -whom I was sending money too- and I informed them that my card hit its limit for daily payments but they then proceeded to send me a PayPal email for their " neighbor '' saying that they would be helping with the purchases. At that point I asked my mom to investigate and she came back with both her and my sister confirming it was a scammer by how she responded to my mom 's message and my sister texted the friend directly to her phone number and found out that she was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: Upstart Holdings, Inc.
State: PA

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear UPSTAXXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with Pennsylvanias identity theft and consumer protection laws.

It has unequivocally come to my attention that UPSTAXXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Additionally, Pennsylvanias laws protect consumers from unauthorized use of personal and financial information. Under Pennsylvanias Identity Theft Statute ( 18 Pa. Cons. Stat. 4120 ), it is illegal to use another person 's identifying information without consent, which applies to unauthorized reporting of credit information. 

I assert with unwavering certainty that I have not provided consent for UPSTA/XXXX  to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that UPSTA/XXXX  immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Pennsylvanias relevant identity theft and consumer protection statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Pennsylvanias identity theft laws.

Obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and Pennsylvania state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that UPSTA/XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Texas XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX Subject XXXX Complaint Against Mercedes Benz Financial LLC Dear CFPB , I am writing to formally lodge a complaint against Mercedes Benz Financial LLC regarding my experience with a financed vehicle and their handling of my account. 
On XX/XX/XXXX, I purchased a new XXXX Mercedes Benz XXXX. Starting in XX/XX/XXXX, I began experiencing significant defects with the vehicle. Despite my repeated inquiries, the dealership assured me that there was nothing wrong. In XX/XX/XXXX, after continued issues and threats of repossession, I ceased payments. 
During this time, I received a letter indicating a safety recall for a major component of the vehicle, which could cause serious injury. The letter stated that there was no remedy available at that time. Following this notification, the lender stopped all communication, abandoned the vehicle, and charged off the account, leaving me in a precarious financial situation. 
As of XX/XX/XXXX, I learned that they are attempting to repossess the vehicle. I intervened during the towing process by exercising my rights to object. However, the lender informed me that my rights were invalid, which I believe is unconstitutional. 
Additionally, the retail agreement I signed inaccurately represented the condition of the vehicle at purchase and stated that I was not responsible for the debt, only the co-buyer was. They failed to disclose that this was a consumer credit transaction, and I provided a down payment of {$20000.00}, which raises further concerns about the legitimacy of the transaction, especially since the finance manager used his personal card to pay. 
I believe that Mercedes Benz Financial LLC has breached our contract by selling me a defective vehicle and failing to accommodate my concerns. Their current actions to repossess a vehicle they have written off as a loss, while neglecting their responsibilities, are unjust. 
I respectfully request that the CFPB investigate this matter and take appropriate action against Mercedes Benz Financial LLC for their practices. 
Thank you for your attention to this serious issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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:
These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

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 2024-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear CAP ONE AUTO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with Pennsylvanias identity theft and consumer protection laws.

It has unequivocally come to my attention that CAP ONE AUTO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Additionally, Pennsylvanias laws protect consumers from unauthorized use of personal and financial information. Under Pennsylvanias Identity Theft Statute ( XXXX XXXX XXXX XXXX XXXX ), it is illegal to use another person 's identifying information without consent, which applies to unauthorized reporting of credit information. 

I assert with unwavering certainty that I have not provided consent for CAP ONE AUTO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CAP ONE AUTO immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Pennsylvanias relevant identity theft and consumer protection statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Pennsylvanias identity theft laws.

Obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and Pennsylvania state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CAP ONE AUTO will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: SC

Complaint narrative:
XXXX, XXXX, and TransUnion have my XXXX XXXX XXXX account as a Charge-Off which is certificate of indebtedness. Its now income and it needs to be removed. Which is a violation of my privacy rights under 1974. 

Date : XX/XX/XXXX Amount : {$15000.00}

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 2024-10-09 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: SC

Complaint narrative:
Equifax, XXXX, and XXXX have my XXXX XXXX XXXX account as a Charge-Off which is certificate of indebtedness. Its now income and it needs to be removed. Which is a violation of my privacy rights under 1974. 

Date : XX/XX/XXXX Amount : {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: SC

Complaint narrative:
XXXX, Experian, and XXXX have my XXXX XXXX XXXX account as a Charge-Off which is certificate of indebtedness. Its now income and it needs to be removed. Which is a violation of my privacy rights under 1974. 

Date : XX/XX/XXXX Amount : {$15000.00}

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 2024-10-09 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: FL

Complaint narrative:
I was completely taken aback this morning when I saw inaccurate accounts on my credit report! Im honestly baffled as to how this could happen. I check my report regularly, but this time I found discrepancies that seemed to come out of nowhere. I even refreshed my browser, thinking it might be a temporary glitch, but the inaccurate accounts remained. Im asking for a thorough review of the documents I submitted so I can stop worrying about this.

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