vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Porsche Financial Services, Inc.
State: FL

Complaint narrative:
I, XXXX : XXXX XXXX acting on behalf of my Principal, XXXX XXXX XXXX am filing this second formal complaint against Porsche Cars XXXX XXXX XXXX XXXX and Porsche XXXX XXXX for violations of the Equal Credit Opportunity Act ( ECOA ), Federal Reserve Act, Truth in Lending Act ( TILA ), Regulation Z, and related federal and state laws. 

1. Discriminatory Denial of Credit On XX/XX/XXXX, I submitted a credit application for the purchase of a XXXX Porsche XXXX XXXX XXXX XXXX XXXX. The same day, I received an Adverse Action Letter denying my application. Regardless of the reasons provided, under ECOA, I have the right to access credit. 

Your refusal to grant me access to my own credit, based solely on my credit score, is discriminatory and unlawful. My application represents a lawful transaction under Consumer Credit Protection Act regulations, and any attempt to withhold my access constitutes a violation of both ECOA and federal securities laws. 

Furthermore, your actions discriminated against a minor in this transaction, as referenced in your communications. Under ECOA, all applicants must be treated equitably, and my legal capacity to contract was arbitrarily denied, further compounding this breach of law. 

2. Right to Credit and Security Interest Under Federal Law I assert that under Section 16, Section 1 of the Federal Reserve Act, as well as 15 USC 1602 ( l ), my application, which includes my social security number and signature, acts as collateral security for the requested credit. By submitting this application, along with the tender of payment, I am legally entitled to the extension of credit. 

Your continued refusal to recognize this right constitutes securities fraud and a breach of your fiduciary duty under federal law. As a financial institution, you are required to process my application and extend the credit to which I am legally entitled. 

3. Breach of Fiduciary Duty and Consumer Rights Violation Porsches denial of my credit application also constitutes a breach of fiduciary duty, as you have failed to act in the best interests of your consumer. Having provided my application and payment, I have satisfied all legal requirements necessary for the creation of security interest. Your refusal to honor my application is a violation of both ECOA and the Consumer Credit Protection Act. 

Additionally, denying my credit application based on subjective factors, such as my credit score or age, is an unlawful action under ECOA. Federal law mandates that credit decisions must be fair, equitable, and transparent. Your arbitrary refusal of my application violates these rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-10-21 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: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-10-21 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:
Subject : Immediate Removal of Inaccurate Accounts in Litigation Violation of FCRA & Re-Insertion of Debt To Whom It May Concern, I am writing to formally request the removal of two accounts currently being inaccurately reported on my credit profile. These accounts are as follows : Tennessee Department of Human Services - {$83000.00} TD of Human Services - {$28000.00} These accounts are in litigation, and it is my understanding that reporting these alleged debts while in litigation is a direct violation of the Fair Credit Reporting Act ( FCRA ), as it constitutes the reporting of inaccurate information. Additionally, this re-insertion of a debt without proper validation violates the FCRAs re-insertion provisions. 

It is also important to note that these accounts are being reported as income, which constitutes a violation of the FCRA, as no proper tax documentation such as a 1099-C form has been issued. This is especially concerning as it turns alleged debts into taxable events, creating significant harm to my credit profile. 

Moreover, these accounts represent a violation of children 's rights by associating them with an alleged debt. This creates undue harm and unfairly affects my ability to maintain a clean credit record. 

As per the Fair Debt Collection Practices Act ( 15 USC 1692 ), any inaccurate or misleading information reported by a creditor is a violation, entitling me to seek damages for civil liability. I am also informing you that I will report this to both the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) if these accounts are not promptly removed from my credit report. 

In light of the ongoing litigation and the violations mentioned above, I demand that these two negative accounts be removed from my credit file immediately. Failure to do so will result in my taking further legal action. 

I appreciate your prompt attention to this matter and request confirmation of the removal in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Cashing a Huntington Bank check, drawn on a Huntington Bank account, and was charged {$10.00} by Huntington Bank, because I do not have a Huntington Bank account. 

This is complete XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: GA

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-10-21 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: GA

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 1. XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX 7. XXXX Date of inquiry : XX/XX/XXXX 8. XXXX Date of inquiry : XX/XX/XXXX 9. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10. XXXX Date of inquiry : XX/XX/XXXX 11. XXXX Date of inquiry : XX/XX/XXXX 12. XXXX XXXX Date of inquiry : XX/XX/XXXX 13. XXXX XXXX Date of inquiry : XX/XX/XXXX 14. XXXX Date of inquiry : XX/XX/XXXX 15. XXXX XXXX Date of inquiry : XX/XX/XXXX 16. XXXX Date of inquiry : XX/XX/XXXX 17. XXXX XXXX Date of inquiry : XX/XX/XXXX 18. XXXX XXXX Date of inquiry : XX/XX/XXXX 19. XXXX XXXX Date of inquiry : XX/XX/XXXX 20. XXXX Date of inquiry : XX/XX/XXXX 21. XXXX XXXX Date of inquiry : XX/XX/XXXX 22. XXXX XXXX Account Number : XXXX 23. XXXX XXXX Account Number : XXXX 24. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2024-10-21 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-21 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: NJ

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$8300.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$8900.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$8300.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$3100.00} INQUIRIES : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-21 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: IN

Complaint narrative:
I have been a victim of identity theft. All transactions and charges on this account are fraudulent. I never benefited from any of these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: PA

Complaint narrative:
PLEASE INVESTIGATE AND DELETE THESE ENCLOSED ACCOUNTS

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 2024-10-21 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: PA

Complaint narrative:
PLEASE INVESTIGATE AND DELETE THESE ENCLOSED ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Yesterday at XXXX I got XXXX emails saying USAA XXXX opened a saving and checking in my name and social XXXX XXXX Is a second added on person They have the username password pin and my social Not my phone number but also my email

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 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX, I attempted to access my bank account and saw that the bank has closed it. I called and they said they could not give me any information but I can put a request in for my funds to be accessible. Since then, I have not been able to access their customer service as you need a bank card number to reach a representative, and I no longer have one. Also, I have made several returns with that account and have open claims, that I have not been able to track the status of the claims or confirm the returned items funds being successfully deposited in the account. Again, I have tried numerous times to call their customer service but can not access a representative because I no longer have a valid bank card number.

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 monetary relief
Consumer complaint received 2024-10-21 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX [ XX/XX/XXXX ] I am writing to formally dispute the reporting of the charge-off account associated with Account XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and l egality of this accounts reporting. Additionally, under [ Your State ] l aw, I am requesting proper validation of this debt. 
I would like to highlight several cases that affirm my right to dispute this i nformation and request accurate reporting. In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court emphasized the duty of credit reporting agencies and furnishers to ensure the accuracy of the information reported on consumers ' credit reports. Furthermore, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX ) reinforces the requirement that furnishers conduct proper investigations into disputes and verify the accuracy of their reporting. 
To properly validate this account, I am requesting the following : 1. Authenticated Double-Entry Accounting Records

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 2024-10-21 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-10-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: UT

Complaint narrative:
I had XXXX loans from XXXX XXXX XXXX Nelnet that were transferred to XXXX. When they were transferred they were both marked as paid and outstanding balance of XXXX. 

XXXX loan was for {$51000.00}, paid in full on XX/XX/year>. 
Second loan was for {$6200.00}, paid in full on XX/XX/year>. 

Both accounts should have been reported to all credit bureaus as paid in full as reflected in the correspondence to me from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation