vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
In XXXX  I bought a car from XXXX XXXX XXXX. After XXXX year paying my fees I missed XXXX payments and my car was towed without any prior notice. I was away for almost XXXX weeks due to my job and on arrival I got to know my car was sold. The XXXX informed me that the amount they sold my car covered towing expenses and we are all set. Taking into consideration the the total sale price XXXX $ with XXXX $ base price and my XXXX XXXX and all the repairs Ive already done to car I was sure they just took advantage of me. But decided not to take any actions at that time as Ive just lost my job due to the pandemic. What a surprise I got when after almost XXXX XXXX I have received a notice from a collection. Therefore now I want to verify my debt and ask the collector to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. XXXX that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: FL

Complaint narrative:
In accordance with the Fair Reporting act XXXX XXXX XXXX, has violated my rights.

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-01-23 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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: FL

Complaint narrative:
In accordance with the Fair Reporting act XXXX  # XXXX, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Hello, On XX/XX/2023, I was scammed out of {$3700.00} by a company that forged my signature. I reached out to where I thought this company was based XXXX XXXX XXXX  to challenge the charge through the XXXX  Attorney General 's office, who provided me information that the company used a spoof number, and several front companies to hide their transactions. I filed a dispute with Citi, who initially returned the charge. They then sent me notice that the charge is valid by showing me a document I did not sign ( with a signature on it ). Citi then " told '' me I have XXXX XXXX to respond, but I never got any paperwork on the matter until the XXXX XXXX had long past. I have field complaints across several platforms in hopes of having the money returned to me.

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 2024-01-23 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: GA

Complaint narrative:
This is an ongoing issue : Per XXXX XXXX XXXX XXXX : A cease and desist was placed on your account effective XX/XX/XXXX. Once the account is paid full, XXXX will release XXXX XXXX security interest in the vehicle. 

This issue is ongoing. In my Validation letter, a cease and desist was put in place in order to stop collection of any payment until the auto loan was properly Validated and sent to me. XXXX XXXX XXXX has not honored that portion of my letter. They have made Late payment remarks on my credit report to all XXXX Credit Bureaus which has severely impacted my credit. I initially told XXXX XXXX XXXX that I was involved in a car accident as a passenger and the random confirmation numbers that was provided by XXXX XXXX XXXX was given to me by their phone Representative ( XXXX ) in a recorded conversation, stating that due to my accident and how XXXX saw that I got my account back current in XXXX of XXXX, that they would remove the remark. The confirmation numbers they gave me IS NOT my contract number. I have my contract number so, I'm not sure why XXXX XXXX XXXX is saying that that is my account number and that is false. The contract number that I received from them is an invalid number and it is not mine. I sent a Validation Letter asking XXXX XXXX XXXX to provide me with my contract and as of now, they have yet to provide me of the info that I have requested/needed. During the time of this Validation process, my credit score went from a XXXX to now a XXXX and it's all because I need to validate if this loan belongs to me. I have never been this severely impacted by an entity that I didnt sign on with, in my life. The Payment History needs to be removed from my credit report. A payment was made XX/XX/XXXX after they sent me a letter threatening to repossess the vehicle while I am awaiting for XXXX XXXX XXXX to send over Validation. This situation has brought my credit scores down while I'm working towards homeownership. XXXX XXXX XXXX knows I've been making overly consistent payments until I needed proof of Validation. That's why a Cease and Desist was in order, to prevent this sort of thing from happening while Validation is ongoing at the time. It appears as if XXXX XXXX XXXX honored parts of my Validation letter and not ALL of the Validation Letter I asked them to Please Validate who they say they are. As of yet, I have not received any Validation from them beside a letter where they state they can not provide Validation at this time. But, XXXX XXXX XXXX continues to want my payment and threatening to repossess the vehicle.

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 2024-01-23 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: GA

Complaint narrative:
This is an ongoing issue : Per XXXX XXXX XXXX XXXX : A cease and desist was placed on your account effective XX/XX/XXXX. Once the account is paid full, XXXX will release XXXX XXXX  security interest in the vehicle. 

This issue is ongoing. In my Validation letter, a cease and desist was put in place in order to stop collection of any payment until the auto loan was properly Validated and sent to me. XXXX XXXX XXXX has not honored that portion of my letter. They have made Late payment remarks on my credit report to all XXXX Credit Bureaus which has severely impacted my credit. I initially told XXXX XXXX XXXX that I was involved in a car accident as a passenger and the random confirmation numbers that was provided by XXXX XXXX XXXX was given to me by their phone Representative ( XXXX ) in a recorded conversation, stating that due to my accident and how XXXX saw that I got my account back current in XXXX of XXXX, that they would remove the remark. The confirmation numbers they gave me IS NOT my contract number. I have my contract number so, I'm not sure why XXXX XXXX XXXX is saying that that is my account number and that is false. The contract number that I received from them is an invalid number and it is not mine. I sent a Validation Letter asking XXXX XXXX XXXX to provide me with my contract and as of now, they have yet to provide me of the info that I have requested/needed. During the time of this Validation process, my credit score went from a XXXX to now a XXXX and it's all because I need to validate if this loan belongs to me. I have never been this severely impacted by an entity that I didnt sign on with, in my life. The Payment History needs to be removed from my credit report. A payment was made XX/XX/XXXX after they sent me a letter threatening to repossess the vehicle while I am awaiting for XXXX XXXX XXXX to send over Validation. This situation has brought my credit scores down while I'm working towards homeownership. XXXX XXXX XXXX knows I've been making overly consistent payments until I needed proof of Validation. That's why a Cease and Desist was in order, to prevent this sort of thing from happening while Validation is ongoing at the time. It appears as if XXXX XXXX XXXX honored parts of my Validation letter and not ALL of the Validation Letter I asked them to Please Validate who they say they are. As of yet, I have not received any Validation from them beside a letter where they state they can not provide Validation at this time. But, XXXX XXXX XXXX continues to want my payment and threatening to repossess the vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: GA

Complaint narrative:
This is an ongoing issue : XXXX XXXX XXXX XXXX XXXX : A cease and desist was placed on your account effective XX/XX/XXXX. Once the account is paid full, XXXX will release XXXX XXXX security interest in the vehicle. 

This issue is ongoing. In my Validation letter, a cease and desist was put in place in order to stop collection of any payment until the auto loan was properly Validated and sent to me. XXXX XXXX XXXX has not honored that portion of my letter. They have made Late payment remarks on my credit report to all XXXX Credit Bureaus which has severely impacted my credit. I initially told XXXX XXXX XXXX that I was involved in a car accident as a passenger and the random confirmation numbers that was provided by XXXX XXXX XXXX was given to me by their phone Representative ( XXXX ) in a recorded conversation, stating that due to my accident and how XXXX saw that I got my account back current in XXXX of XXXX, that they would remove the remark. The confirmation numbers they gave me IS NOT my contract number. I have my contract number so, I'm not sure why XXXX XXXX XXXX is saying that that is my account number and that is false. The contract number that I received from them is an invalid number and it is not mine. I sent a Validation Letter asking XXXX XXXX XXXX to provide me with my contract and as of now, they have yet to provide me of the info that I have requested/needed. During the time of this Validation process, my credit score went from a XXXX to now a XXXX and it's all because I need to validate if this loan belongs to me. I have never been this severely impacted by an entity that I didnt sign on with, in my life. The Payment History needs to be removed from my credit report. A payment was made XX/XX/XXXX after they sent me a letter threatening to repossess the vehicle while I am awaiting for XXXX XXXX XXXX to send over Validation. This situation has brought my credit scores down while I'm working towards homeownership. XXXX XXXX XXXX knows I've been making overly consistent payments until I needed proof of Validation. That's why a Cease and Desist was in order, to prevent this sort of thing from happening while Validation is ongoing at the time. It appears as if XXXX XXXX XXXX honored parts of my Validation letter and not ALL of the Validation Letter I asked them to Please Validate who they say they are. As of yet, I have not received any Validation from them beside a letter where they state they can not provide Validation at this time. But, XXXX XXXX XXXX continues to want my payment and threatening to repossess the vehicle.

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 2024-01-23 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: GA

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXXXXXX XXXX CREDIT 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

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 2024-01-23 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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX {$6500.00} XXXX XXXXXXXX XXXX  $ {$600.00} XXXX XXXX XXXX  XXXX {$150.00} XXXX XXXX  {$280.00} XXXX  XXXX {$470.00} XXXX  XXXX {$0.00} XXXX  XXXX XXXX  {$700.00} XXXX {$0.00} XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX  XXXX {$730.00} XXXX XXXX  XXXX {$370.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: NV

Complaint narrative:
Good day. I am resubmitting this complaint as a follow-up to my previous complaint dated XX/XX/XXXX. I want to ensure that the items I am requesting to be removed, as listed in my last and present complaint, are expunged from my credit report before the end of the next 15 days. As I am scheduled to update my credit reports on that day, I am re-attaching my FTC report with reference # XXXX & XXXX. Here are the items I want to follow up for removal per bureau 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 -TRANSUNION 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 XXXXXX/XX/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 2024-01-23 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: NV

Complaint narrative:
Good day. I am resubmitting this complaint as a follow-up to my previous complaint dated XX/XX/XXXX. I want to ensure that the items I am requesting to be removed, as listed in my last and present complaint, are expunged from my credit report before the end of the next 15 days. As I am scheduled to update my credit reports on that day, I am re-attaching my FTC report with reference # XXXX & XXXX. Here are the items I want to follow up for removal per bureau 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 XXXXEQUIFAX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: TN

Complaint narrative:
Submitting this complaint again to follow up on my previous request for the removal of unauthorized inquiries that appeared in my credit reports in the complaint dated XXXX. I requested the complete removal of the said inquiries. As a reference, I am attaching my FTC report # XXXX. Again, here are the inquiries I want you to expunge per bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION 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