vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: NC

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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: IN

Complaint narrative:
Due to Experians data breach from XXXX my information was exposed due to Experians lack of security. I have requested to have my correct name on my credit file and to remove the bankruptcy information and they refuse. I have requested the actual documents and they did not provide those documents either. I should have one address and one name on my credit profile. I submitted the complaint on XX/XX/XXXX and they never provided the response within 30days. They did not provide or attach documention supporting their claims. Experian now tries to sell me data breach/identity theft protection from their incompetence and has cost me several thousands in higher interest rates. I would like this negative information removed off my credit file from the complaint on XX/XX/XXXX that they never responded to within XXXX. I also would now like compensation for the data breach in XXXX of my information since they are not removing the negative information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
VANCE & HUFFMAN LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Vance & Huffman LLC. 
Account Number # XXXX Client Ref : XXXX XXXX XXXX : {$320.00} XXXX acquired my Credit Report in XX/XX/XXXX and found some inaccurate information that VANCE & HUFFMAN LLC reported this related account # XXXX to XXXX report agencies. I sent out the certified letter to request the validation in XXXX, XXXX XXXX. I learn that the account is sold to XXXX party. Again I sent out XXXX letters in XX/XX/XXXX and XX/XX/XXXX asking to removed the invalidated information from credit report agencies. But there are no responses from Van & Huffman LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: NC

Complaint narrative:
I am writing to formally dispute the presence of a loan / line of credit listed on my credit report, which I believe was issued under predatory lending practices. The loan was originally for {$1700.00}, but the balance has ballooned to {$1800.00} and increasing daily, despite my regular payments of {$110.00} every two weeks since XX/XX/2024 which I have proof of. The excessive rate and repayment terms are in violation of several federal and state laws WHICH WERE NEVER EXPLAINED, including : The Truth in Lending Act ( TILA ), which mandates that lenders disclose clear and accurate loan terms, including the APR and total cost of the loan. The interest rate on this loan appears to be far above the legal limits set by TILA.

The Dodd-Frank Wall Street Reform and Consumer Protection Act, which prohibits unfair, deceptive, and abusive lending practices. The terms of this loan are predatory and seem designed to trap me in a cycle of debt, which is expressly prohibited under this Act.

The usury laws of [ State ], which limit the interest rate that can be charged on loans. The interest rate on this loan exceeds the maximum allowable rate in [ State ], making it illegal.

The Consumer Financial Protection Bureau ( CFPB ) 's guidelines regarding high-interest loans, which aim to prevent lenders from exploiting borrowers with unaffordable repayment terms. This loan violates those guidelines.

The doctrine of unconscionability, which renders loans with one-sided and excessively harsh terms unenforceable. Given the nature of the loan, I believe that the terms are unconscionable and should be voided. 
Due to these violations, I am requesting that assistance be given to me to help with the termination of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: World Omni Financial Corp.
State: FL

Complaint narrative:
Okay so apparently theres an account reporting on my credit that doesnt belong to me. im seeking validation of debt. I havent owned a vehicle in years, evidentally theres some type of data issue. Im asking for an immediate removal of this account from my credit. 

ACCT # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I'm receiving 45+ phone calls per day, 7 days per week from American express , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. It's ridiculous from XXXX. Non stop, 4-7 calls in a row.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
I want to add the checks front and back to show it was Blitt and Gaines processing two checks from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: CL Holdings LLC
State: GA

Complaint narrative:
Ive tried multiple times to delete things off my credit. I was a victim of identity fraud! I would like to have all the items I disputed off my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I have identified fraudulent inquiries on my Transunion consumer report that I do not recognize or authorize. I demand that the following inquiries be removed from all of my consumer credit reports immediately and that any collection activity related to these items cease in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The inquiries are a follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I demand that these items be removed within four ( 4 ) days of receipt of this notice. This matter is time-sensitive, and I expect your prompt attention to ensure compliance with applicable laws and regulations. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer 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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
The company MEDICAL REVENUE SERVICE has contacted me stating that I owe them a debt which I do not owe. I do not know how the company was able to obtain my private personal information without prior consent directly from me. Therefore, it was obtained by means of identity theft. I am seeking redress for the company to do what ought to be done by ceasing all collection activity and credit reporting ; and to be exonerated from all alleged claims. I have already filed an identity theft report with the Federal Trade Commission and have attached it to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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 am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I didnt receive any statements notifications or updates from Hyundai Motor Finance XXXX Every time I checked the app it showed that I owed {$0.00} and there were no statements available for me to download or review. I even made a payment during that time because I thought I was up to date. Then in XXXX out of nowhere I found out that my account was past due and I had to scramble to make four payments all at once just to avoid collections.

Ive spent countless hours probably 10 to 15 total on the phone with Hyundai trying to figure out what happened. I asked to speak to supervisors multiple times but no one could explain why I wasnt receiving statements or why the app didnt show the correct balance for months. The lack of communication left me completely blindsided. 

Even though Ive tried my best to catch up its been really hard financially and Im still one payment behind. Now Hyundai is constantly harassing me about the overdue balance even though this whole situation started because they failed to provide me with accurate and timely information in the first place and reported it to the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
I filed a identity theft report and the fraudulent items werent removed under section 605 under FCRA law these items should be removed they are verifying fraudulent information that wasnt done by me at all 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 non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Consumer Financial Services Solutions, Inc.
State: FL

Complaint narrative:
I enrolled XXXX debts with a company called Beyond Finance, the charge being 25 % of the enrolled debt amount. When I recognized that Beyond could not meet its promised outcomes, I withdrew two of the debts and settled them myself. One of the debts I settled myself was with XXXX XXXX after negotiating with them individually. I entered into a payment plan with XXXX XXXX separate from Beyond Finance. I paid off the two debts I had enrolled with Beyond and was even congratulated by Beyond agents on my successful graduation from the program. Nonetheless, Beyond Finance took another {$300.00} from my bank account without permission and in bad faith and demanded I pay {$590.00} for the XXXX XXXX debt that they did not settle. The contract clearly stated that I would only be charged for enrolled debt settled by XXXX XXXX. Beyond Finance then refused to respond to my Better Business Bureau complaint and refuses to work with me to get report graduation from the program. I would like my {$300.00} returned to my checking account in addition to the {$30.00} I was charged to make a top payment on Beyond withdrawals from my bank account. I followed through on my end of the contract and Beyond has willingly neglected to follow through on their end of the contract. They settled only XXXX debts yet are charging me for XXXX and even taking money from my account when I demanded a freeze. I have attached XXXX pictures one shows that only XXXX debts were enrolled, the other which those debts were, and the third an apology from a Beyond agent for the mistake that they have yet to rectify.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
[ 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 : To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company [ XXXX ]. 

This letter is being sent to you in response to an entry made on my Credit Report dated open ( XXXX XXXX XXXX XXXX Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the Consumer Financial Protection Bureau ( CFPB ), and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed.

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TX

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. EQUIFAX XXXX and XXXX  on XX/XX/year> has violated my rights. I looked at my XXXX credit report on XXXX XXXX XXXX and noticed some things incomplete and not accurate. This is my third time trying to resolve this. 
According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. Also according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C 1681B ( 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 explanation
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
I recently ordered a copy of my credit report and noticed that it had fraudulent activity on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently ordered a copy of my credit report and noticed that it had fraudulent activity on it.

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