vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Prober & Raphael, A Law Corporation
State: CA

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, filed a fraudulent Unlawful Detainer case with the XXXX XXXX XXXX XXXX Case # XXXX ). XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, are representing XXXX XXXX XXXX XXXX XXXX and are claiming that the Plaintiff has interest, is an owner of, and entitled to immediate possession of the property located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX California [ XXXX ]. PROBER AND RAPHAEL, XXXX filed a CORPORATE GRANT DEED on behalf of XXXX XXXX XXXX  on XX/XX/XXXX ( Doc # XXXX, XXXX County Recorders office ) Granting said property from XXXX XXXX XXXX XXXX XXXX to THE SECRETARY OF VETERANS AFFAIRS. XXXXXXXX XXXX XXXXXXXX, XXXX, Granted said property to the SECRETARY OF VETERANS AFFAIRS and is now attempting to claim ownership through TRUSTEE 'S DEED UPON SALE ( Document # XXXX, XXXX Superior Court , dated XX/XX/XXXX ). XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, filed the Unlawful Detainer case after XXXX XXXX XXXX XXXX XXXX previously Granted said property to THE SECRETARY OF VETERANS AFFAIRS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2023-12-17 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 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: CA

Complaint narrative:
My information was bought and sold illegally because I was a victim of the Equifax Data breach I want these items deleted from my consumer credit report immediately. I'm attaching proof that Equifax admitted that I was a victim of the Data breach Equifax has done nothing to stop or remedy this issue. 
Please delete these fraudulent hard inquiries XXXX XX/XX/2023 XXXX XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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
Consumer complaint received 2023-12-17 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I canceled the progressive insurance and by the date of payment according to the aforementioned account I already had other insurance. In other words, that account does not belong to me. Please stop continuing with these things that are not pleasant at all. I ask you to please delete that fake account XXXX XX/XX/2023

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 2023-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Splash Financial, Inc.
State: OH

Complaint narrative:
I applied for a loan with Splash Financial in XX/XX/2023. The application process required uploading various documents, including a paystub, driver 's license and bank statement. I made multiple attempts to upload each document, but had a difficult time completing this upload requirement. Since I could not upload my bank statement, I asked for a work around ( eg, sending the statement to a general inbox ), but there was no alternative option for submitting documents. This became a source of frustration for me. 
On XX/XX/2023, I spoke to a representative, who attempted to provide assistance. He was very professional. However, through our phone conversation, it was discovered that an incorrect email was input into the system. I was told that anything submitted in error could only come from the customer 's end. I asked if they could change the email, but the rep said it was not possible and that if I wanted to move forward with a new loan I would need to withdraw and resubmit the application. I agreed to this. 
After my application was withdrawn, I created a new account and reapplied, but the system rejected my application. 
I am upset about what happened for several reasons : 1. I was highly inconvenienced in this process while attempting to submit documents over the course of several weeks. This turned out to be a waste of my time.

2. The application process was inflexible and had no mechanisms in place to receive my documents in an alternative manner.

3. The company ran my credit as part of the process. My credit took a hit with a hard check and now I am left for the moment with nothing.

While Splash Financial has appealing loan offers, the company needs to do a better job of streamlining its loan application process so that the experience is more seamless, instead of a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2023-12-17 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 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: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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
Consumer complaint received 2023-12-17 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: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Account Names : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX the accounts above XXXX, XXXX XXXX and XXXX have violated my consumer rights. 
According to 18 USC 8, I do not owe any outstanding debt, and my consumer right to privacy has also been violated according to 15 USC 1681b ( 2 ). Furthermore, these consumer reporting agencies do not have permission to report anything without my written consent and by that, violate 15 USC 1681 ( 4 ). The stated consumer reporting agencies have failed to uphold the legal standard and have violated my rights as a consumer. I demand that XXXX, XXXX, and XXXX provide proof of my written consent to report. If such documentation can not be furnished, I demand that the accounts stated above be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I had my vehicle repossessed by Exeter finance and then had {$3000.00} worth of personal property stolen out of the vehicle and part of it was proscription medication and nether Exeter or the repo company did anything to make it right and on top of that Exeter is saying I still owe them {$2200.00} for repo charges and other fees and i paid over that between my down payment of {$1500.00} plus the payments I made on the car and also an employee of Exeter made a deal with me to pay what I could of {$200.00} until I got paid the following Friday and it would keep me from repossession and after I paid it two days later they repossessed the car all of this happened during COVID and they agreed to help me due to my hours at work had dropped because I was doing disaster restoration going into houses to clean and repair from Fire and Water damage and the customers and insurance companys werent letting use in the houses and every time they made a deal with me they wouldnt make good on it and I know for a fact they got full price of the car when it was sold plus the finance charges so since they got all that money plus costed me way more money by having to replace all the things that were stolen from me plus having to pay fees to the department of motor vehicles I feel I shouldnt have to pay them anything because I ended up paying out {$4000.00} to get back even

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: NY

Complaint narrative:
I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report it should not be there. THAT IS A VIOLATION. I never gave written instruction to furnish any of the following account Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

I've sent out numerous letters requesting the accuracy of my Credit Report on severaL occassions and I did not get a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me As the consumer. 

The following acounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you, 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 2023-12-17 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: NY

Complaint narrative:
I was recently the victim of identity theft. I have been trying to remedy the results of this which are wreaking havoc on my credit. I have gotten responses from all of the lenders ( either verbal or in writing ) that their internal investigations determined I was the victim of identity fraud. I filed a police report and an FTC report documenting this. XXXX also confirmed my disputes and removed the fraudulent accounts and inquiries from my credit report. Equifax refuses to acknowledge these inquires as fraud despite the mountain of evidence to the contrary. When I try to call they just tell me to submit it online even though I have done this 3 times already. Please help me hold them accountable so that I can move on from this nightmare and continue with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I filed several disputes requesting transunion to investigate the following account by the name of XXXX XXXX with an account number attached as being XXXX. That is listed on my consumer report with a balance owed in the sum of {$180.00} as a charge-off account. Transunion cliamed that all of the information listed under this account was verified as being accurate when in fact it's not accurate at all. I discovered that on XX/XX/2019 was reporting as being the last payment made on this account but in the history on the same date XX/XX/2019 it displays a charge-off status. This account information must be deleted and removed from my consumer credit report immediately per the fair credit reporting act laws and regulations. I aslo included a copy of the most recent dispute results from transunion peraining to this account XXXX XXXX with my cfpb complaint.

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