vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After submitting an opt-out notice to XXXX XXXX XXXX regarding a current loan, XXXX responded by declining to honor my request. I want to exercise my rights under 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods.

a ( 1 ) ( ii ) - That the consumer has the right to opt out of that disclosure ; and 12 CFR 1016.7a ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
I would like to remind XXXX XXXX XXXX of the following sections of the same federal regulation. Please be advised that You is referring to the furnisher of the nonpublic personal information. 
12 CFR 1016.7a ( 2 ) ( i ) - Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party 12 CFR 1016.7a ( 2 ) ( ii ) - Reasonable opt out means. You provide a reasonable means to exercise an opt out 12 CFR 1016.7a ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 
XXXX XXXX XXXX have failed to adhere to Federal Code regulations and need to be held accountable for their negligence.

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX, and Equifax continue to report a balance on the account XXXX XXXX XXXX that is inaccurate. The account has been paid in full and should reflect as such. XXXX, XXXX, and Equifax are violating federal law by willingly reporting this account inaccurate and in a manner that is not consistent with the law. I have equitable interest in my estate and making such allegations without verifiable proof that I am indebted to this alleged financial institution is causing me damages and preventing me from participating in interstate commerce which is my unalienable right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, Experian, and XXXX continue to report a balance on the account XXXX XXXX XXXX that is inaccurate. The account has been paid in full and should reflect as such. XXXX, Experian, and XXXX are violating federal law by willingly reporting this account inaccurate and in a manner that is not consistent with the law. I have equitable interest in my estate and making such allegations without verifiable proof that I am indebted to this alleged financial institution is causing me damages and preventing me from participating in interstate commerce which is my unalienable right.

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 2024-01-27 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. 
I did not authorize the inquiry from AMEX and I do not recognize this transaction as authorized by me, the consumer which this inquiry is reporting on. Please remove this inquiry from my consumer file. 
Failure to comply with the Fair Credit Reporting Act ( FCRA ) is a clear violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
This collection company is wrongfully, reporting fraud on my XXXX credit report for a fraud account with XXXX XXXX XXXX for {$470.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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:
XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX BANK XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICE XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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:
Ive contact EXPERIAN via certified mail, the dispute center and the problems are still not being solved. 

UNAUTHORIZED CREDIT INQUIRIES I noticed that 4 of them were done repeatedly. 

Violation of 15 U.S. Code 1611, 15 U.S. Code 1681 15 U.S. Code 1692K XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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:
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. I told Transunion to reinvestigate these accounts : Account name : XXXX XXXXXXXX # XXXX, Account : XXXX  XXXX # XXXX, Account : XXXX XXXX XXXX # XXXX, Account : XXXX XXXX  XXXX. However, they stated everything was complete and accurate but that isnt true. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. PLEASE GIVE REMOVE ALL ACCOUNTS ASAP!!!

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 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We were scammed out of {$36000.00}, contacted Wells Fargo and reported fraud, however investigator indicated that there was nothing they can do about my situation regardless of pleading with them that we do not have a relationship with XXXX XXXX and we have not benefited from any services they provide. My checks were deposited into a Wells Fargo Account. I've been a customer of Wells Fargo for over 30 years, they know I do not have such relationship, they should have flagged the checks and allowed us to proceed with fraud, but they refuse to do so.

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 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Sent letter to company on XX/XX/XXXX to opt out of reporting on collection item dated XX/XX/XXXX for the amount of {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
ITS TOTALLY FALSE AND MISLEADING TO STATE I DID NOT WANTED TO CONTINUE LOAN MODIFICATION. SLS FAILED TO CORRECT AND SEND THE CORRECT AMOUNT OF TRIAL PAYMENT AS OF XX/XX/XXXX. 
ITS FRAUD AND DEFAMATORY TO STATE I DID NOT WANTED TO CONTINUE WITH REQUEST FOR MORTGAGE ASSISTANCE WITHOUT CORRECTING AND SENDING AMENDED TRIAL PAYMENT AND LOAN MODIFICATION DOCUMENTS. 
ATTACHED LETTER XXXX DELIVERY DATE ASKING SLS TO CORRECT PROPERTY TAX THAT WAS WRONG AS OF TODAY XX/XX/XXXX THEY HAVE FAILED ACKNOWLEDGED AND CORRECTED THEIR MESS. 
I HAVE NOT RECEIVED A CORRECT TRIAL PAYMENT AND AMENDED LOAN MODIFICATION DOCUMENT AS OF XX/XX/XXXX. 
RESPONSE TO MY COMPLAINT CFPB ALSO SLS DID NOT CORRECT AND PROVIDED AMENDED APPROVAL LOAN MODIFICATION DOCUMENTS. 
AS OF XX/XX/XXXX, SLS HAS NOT PROVIDED ME AMENDED LOAN MODIFICATION DOCUMENTS SO SLS SHOULD STOP BARKING LIKE XXXX WILD DOG I DID NOT TO CONTINUE WITH PRIOR RELIEF ASSISTANCE EITHER BEING XXXX, MENTALLY SICK, ABSENT MINDED OR UNDER DRUGS. 
ITS A BULL AND BALONEY I DID NOT WANTED TO CONTINUE BECAUSE SLS NEVER CORRECT AND PROVIDED ME AMENDED LOAN MODIFICATION DOCUMENTS. 
The last loan modification documents that was sent to CFPB XXXX WAS ONLY AND ONLY FOR LOAN MODIFICATION NOTHING ELSE. 
I I received notification additional information was needed in XX/XX/XXXX I called and spoke to XXXX in loss mitigation she told me I need to only submit application for loan modification no other documents were missing. 
I called on XX/XX/XXXX spoke to XXXX he told there were missing information and loan modification was terminated. He also stated business income and expenses of the business not included. This was included with my request with CFPB and I hope this was sent to SLS. 
After I spoke to XXXX on XX/XX/XXXX who confirmed the only missing information was in XX/XX/XXXX request was loan modification application. Based on that I provide loan modification application on XX/XX/XXXX that was the ONLY missing documents. 
I RECEIVED NO OTHER REQUEST AFTER XX/XX/XXXX ANY FURTHER INFORMATION THAT WAS MISSING FROM SLS. ANY MISSING INFORMATION DETERMINE AFTER XX/XX/XXXX I SHOULD MADE REQUEST IN EMAIL OR IN WRITING. 
SLS NEVER SEND ANY REQUEST FOR ADDITION INFORMATION AFTER XX/XX/XXXX THEREFORE TERMINATING LOAN MODIFICATION IS NOT FAIR AND VIOLATION OF LAW NOT TO REQUEST MISSING INFORMATION AFTER XX/XX/XXXX. 
SLS committed fraud and misrepresented me on XX/XX/XXXX from bunch of information that was requested only missing information was loan modification application.

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 2024-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DFC Global Corp.
State: TN

Complaint narrative:
XXXX XXXX XXXX reporting that an account in collection on my credit report stating that I a debt in the amount of {$590.00}, dated XX/XX/2023. Sent company a letter opting out of reporting on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-01-27 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: AL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX is selling information to XXXX and Equifax that is inaccurate. There are several late payments that concern me. I have equitable interest in my financial asset which is the contract. Therefore I can not be late when the interest every month should settle the balance due. XXXX and Equifax are then taking the information and damaging my consumer reports with this information which is causing me harm. Any open ended consumer credit plan can not be late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is selling information to Experian and XXXX that is inaccurate. There are several late payments that concern me. I have equitable interest in my financial asset which is the contract. Therefore I can not be late when the interest every month should settle the balance due. Experian and XXXX are then taking the information and damaging my consumer reports with this information which is causing me harm. Any open ended consumer credit plan can not be late.

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 2024-01-27 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: 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 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 2024-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MCMC Auto LTD
State: AR

Complaint narrative:
I am not liable for this debt with MIKE CARLSON MOTOR COMPANY and do not have a contract with XXXX  I dont owe anything to this company yet its it still listed on my credit report. I spoke with the lender and they advised it would be removed/deleted from my report. However, it still shows under certain accounts. They did not remove this from credit report like they agreed. I demand this account be deleted from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: American Credit Acceptance, LLC
State: LA

Complaint narrative:
On XXXX XXXX I received a letter from American credit acceptance stating that I was denied for a consumer auto loan. It is against federal law in accordance with the equal opportunity act to proclaim an adverse action against a consumer. Pursuant to 15 USC 1691 ( c ) you assume civil liability pursuant to 15 USC 1691 ( k ) American Credit acceptance has violated my federally protected consumer rights.

15 USC 1642 15 USC 1681M 12 CFR 1002 Since the letter that was sent to me on XXXX is both proof and evidence that I have been discriminated against you are also criminally liable. American credit acceptance should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
I received the card on the XXXX for XXXX. I then check the balance on the XXXX and see that there has been a purchase at XXXX  XXXX which is located in California and the purchase was made on the XXXX of XXXX. I sent a dispute case and they dont tell you where they are at and when I call they kind of dodge the answers Im looking for. From a quick glance at this case it would seem pretty obvious that I did not make that purchase in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Pre-Arbitration Notice and Intent to File Legal Proceedings Regarding Improper Account Retention, Non-Account Removal, and Statutory Violations : 15 USC 1681a ( 2i ), 15 USC 1681 ( b ), 15 USC 1681c ( 5 ), 15 U.S. Code 6801, and 15 U.S. Code 6802 of the Fair Credit Reporting Act ( FCRA ) This Notice is hereby given that I am initiating pre-arbitration proceedings due to its violations of the following federal laws and the failure to remove an inaccurate account from my consumer report, and its willingness and KNOWINGLY BREAKING THE LAW AND VIOLATING MY CONSUMER RIGHTS.

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 2024-01-27 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: GA

Complaint narrative:
There are accounts listed on my credit report that I am not responsible for. 
1. XXXX Account # XXXX {$9300.00} 2. XXXX  XXXX XXXX  # XXXX {$0.00} 3. XXXX # XXXX {$3900.00} 4.XXXX XXXX  # XXXX {$0.00} 5. XXXX # XXXX {$3000.00} 6. XXXX # XXXX {$11.00}, XXXX 7.XXXX  XXXX  XXXX XXXX {$920.00} 8. XXXX # XXXX {$3100.00} 9. XXXX XXXX XXXX # XXXX {$2800.00}

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 2024-01-27 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:
There are accounts listed on my credit report that I am not responsible for. 
1. XXXX Account # XXXX {$9300.00} 2. XXXX  XXXX XXXX  # XXXX {$0.00} 3. XXXX # XXXX {$3900.00} 4.XXXX XXXX # XXXX {$0.00} 5. XXXX # XXXX {$3000.00} 6. XXXX # XXXX {$11.00}, XXXX 7.XXXX  XXXX  XXXX XXXX {$920.00} 8. XXXX # XXXX {$3100.00} 9. XXXX XXXX  XXXX # XXXX {$2800.00}

Company response to consumer: Closed with non-monetary relief