vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-24 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: OH

Complaint narrative:
I NEVER GAVE ANY OF THE CREDIT BUREAUS VERBAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT. A COPY OF THE LAW IS ATTACHED WITH THIS DISPUTE. I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT FILE AND YOU HAVE NO PERMISSIBLE PURPOSE BY LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. $ 1028A. YOU HAVE KNOWINGLY TRANSFERRED, POSSESSED, OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME, WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISONMENT, IN ADDITION TO CIVIL LIABILITY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: OH

Complaint narrative:
My name is XXXX XXXX and I have a very heartbreaking and shocking XXXX experience to share. I recently, XX/XX/XXXX, financed a XXXX XXXX XXXX from XXXX. The car was receiving regular oil changes every XXXX XXXX months. About XXXX weeks ago I went to pick up some dinner and when I left the restaurant and got back into my car, it would not start. Then I reached out to my insurance and they told me that they would send me a tow truck. When the tow truck arrived the gentleman that was driving the tow truck checked the oil in my XXXX and he said the car had no oil in it. This was very strange to me because I recently got my oil changed on XXXX, XXXX. He towed it to a shop and it was evening so it wasnt until the following morning that I received a phone call from the shop stating that the engine was seized due to the car, not having any oil in it. That is mind blowing to me that the car didnt have oil in it because like I said, I was regularly getting the oil changed and I never saw an oil spot anywhere that I had the car parked. I have heard bad things about the XXXX XXXX XXXX engine and how it was built. Which also shocked me being that this vehicle is a XXXX vehicle and I have only known the quality of XXXX. Neither my XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX something XXXX XXXX XXXX XXXXXXXX XXXX or my XXXX XXXX XXXX have failed like this XXXX XXXX XXXX has. Im embarrassed for XXXX because to tell you the truth XXXX was always my favorite car brand. 

The fact that this car is XXXX years old and taken care of is an absolute embarrassment for XXXX for XXXX engine to have seized. I am XXXX with XXXX XXXX and have a basketball playing XXXX XXXX XXXX son with a car-less mom. Thank you for taking the time to read this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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 mailed a request to the bureau asking for verification of debt that was received XX/XX/XXXX, my consumer report was updated as " meets FCRA requirements '' I mailed a 2nd request to the bureau asking for the method of verification of the accounts that were left on my report that 'met FCRA requirements ', it was received on XX/XX/XXXX, no proof of verification was sent I sent off a debt validation letter to each collection agency company on my report, it was received XX/XX/XXXX, no collection agency was able to validate the debt I sent a 2nd request to each collection agency to validate the alleged debt, it was received XX/XX/XXXX, debt still has not been validated I sent off a 3rd request to the bureau asking for all fraudulent accounts to be deleted since they failed to reinvestigate and the accounts could not be verified or validated by either party, it was received XX/XX/XXXX, still no proof has been provided

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 2024-11-25 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 would like these account to be remove so my credit report can report accurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B 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 2024-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I reached out to my student loan provider, Nelnet, shortly after the government announced the Payment Count Adjustment, which was several months ago. I needed a full accounting because my loans transferred to Nelnet several years ago and I was unable to see the payments made prior to the transfer. I also needed a full accounting because I was unable to see online all payments made since the time Nelnet took over the loan. To confirm I am given proper credit under the Payment Count Adjustment ( or other forgiveness programs ), it is imperative that I have an accounting. 

Their site said to reach out if an accounting was needed. I reached out in writing through their secure messaging system and requested a full accounting. On XX/XX/year>, I received an email from Nelnet confirming receipt of my request and apologizing for a delay in providing the information and noting additional research may be needed. Attached is a copy of the correspondence received from them, which proves they received my request. As of today, XX/XX/year>, they have not responded and have not provided the requested full accounting. 

Since that time, my loans have transferred out as part of the Payment Count Adjustment. This does not change the fact that I still need an accounting from Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am having this Wells Fargo XXXX checking account since XXXX or XXXX its seems. Was having XXXX on this account for some years and later moved XXXX else where. 

Now I transferred XXXX to wells fargo once again to this wells fargo business checking account ending in XXXX. I was able to receive payments. When i am trying to send the zelle payments. I blocked me. asked to call Wells fargo. Called at around XXXX pm XXXX on XXXX XX/XX/XXXX. Tallked to XXXX- very rude and non cooperative customer service. She sent me a text message and it said that it might take XXXX hours. I got the message immediately and I enrolled into it. 

It seems Wells Fargo customer service has no idea what they are doing?

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 2024-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Dear CFPB, I am filing this complaint regarding an alleged debt being reported and collected by [ Debt Buyer/Collection Agency Name ]. I believe the actions of the third-party debt collector and/or original creditor violate federal laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Lack of Valid Contractual Agreement Under 15 U.S.C. 1692g ( b ), I requested validation of the debt from the collector. To date, they have failed to provide adequate documentation proving their legal authority to collect this debt, such as a valid assignment agreement or a signed contract showing my obligation to the original creditor.

Unlawful Reporting of Inaccurate Information According to 15 U.S.C. 1681s-2 ( b ) of the FCRA, information furnished to credit reporting agencies must be accurate and verifiable. The debt collector has not substantiated the accuracy of this account or provided proof of my responsibility for the alleged debt. I request its immediate removal from my credit report if they can not validate it.

Unauthorized Sale or Transfer of Debt Per 15 U.S.C. 1666h, I have not been provided with evidence that I consented to the sale or transfer of this debt to a third party. This raises concerns about the legality of their collection efforts.

Violation of State Laws and Time-Barred Debt Additionally, this debt may violate [ insert state law, e.g., statute of limitations ], as it appears to be time-barred or outside the legal period for collection.

Resolution Requested : I respectfully request the CFPB to : Investigate this matter and require the debt collector to validate the debt with proper documentation ( e.g., original signed contract, complete payment history, proof of legal assignment ) .Ensure the removal of this debt from my credit reports if they can not provide sufficient validation.Cease all collection activities immediately if the debt can not be proven valid.

Provide written confirmation from both the debt collector and the original creditor regarding the resolution of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: IN

Complaint narrative:
This account was charged off on the following date ( XX/XX/2023 ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2024-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
We called Reprise Financial twice trying to get information on how to stop auto debits from our bank account. They told us the first time to write a letter and send it to them but didn't give us the address. The second time we received an address to send the letter to and we have. But the company still will not remove us from the autodraft list and they're still trying to set them up to take money from my bank 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 explanation
Consumer complaint received 2024-11-24 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 reporting unauthorized credit inquiries from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. While I have applied for credit recently, I did not authorize these specific inquiries. I suspect they may linked to identity theft or an error. I've already filed FTC report and disputed the inquiries with the credit bureaus, but they have not been removed. These inquiries are negatively affecting my credit score. I'm requesting the CFPB 's assistance in having them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: FL

Complaint narrative:
I am writing to report a case of identity theft and request your assistance in resolving the issue. I have discovered several fraudulent accounts on credit report, dated XX/XX/XXXX. These accounts were opened without my knowledge or consent and are negatively impacting my credit score.

Details of the Fraudulent Accounts : XXXX XXXX Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$1800.00}. 
XXXX XXXX Installment Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$21000.00}. 
XXXX XXXX XXXX Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$6800.00}. 
XXXX XXXX XXXX Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$2600.00}. 
XXXX XXXX XXXX Account number XXXX, balance of {$3900.00} Actions Taken : FTC Identity Theft Report : I have filed a report with the Federal Trade Commission ( FTC ) with reference number XXXX. 
Disputes with Credit Bureaus : I have also filed separate disputes with XXXX, XXXX, and TransUnion regarding these inaccurate entries.

CFPB Request for Blocking : In addition to disputing the accounts, I am formally requesting, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), to block all information appearing on my credit report that is a result of identity theft and fraud within 4 business days of receiving this complaint. 

Impact and Supporting Documents : These fraudulent accounts have significantly impacted my ability to obtain credit. I have included a copy of my credit report highlighting the aforementioned fraudulent entries. 

Conclusion :

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 2024-11-24 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: FL

Complaint narrative:
I am writing to report a case of identity theft and request your assistance in resolving the issue. I have discovered several fraudulent accounts on credit report, dated XX/XX/XXXX. These accounts were opened without my knowledge or consent and are negatively impacting my credit score. 

Details of the XXXX Accounts : XXXX XXXX Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$1800.00}. 
XXXX XXXX Installment Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$21000.00}. 
XXXX XXXX XXXX Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$6800.00}. 
XXXX XXXX XXXX Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$2600.00}. 
XXXX XXXX XXXX Account number XXXX, balance of {$3900.00} Actions Taken : FTC Identity Theft Report : I have filed a report with the Federal Trade Commission ( FTC ) with reference number XXXX. 
Disputes with Credit Bureaus : I have also filed separate disputes with XXXX, Equifax, and XXXX regarding these inaccurate entries. 
CFPB Request for Blocking : In addition to disputing the accounts, I am formally requesting, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), to block all information appearing on my credit report that is a result of identity theft and fraud within 4 business days of receiving this complaint. 

Impact and Supporting Documents : These fraudulent accounts have significantly impacted my ability to obtain credit. I have included a copy of my credit report highlighting the aforementioned fraudulent entries. 

Conclusion :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: FL

Complaint narrative:
I am writing to report a case of identity theft and request your assistance in resolving the issue. I have discovered several fraudulent accounts on credit report, dated XX/XX/XXXX. These accounts were opened without my knowledge or consent and are negatively impacting my credit score. 

Details of the Fraudulent Accounts : XXXX Revolving Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$1800.00}. 
XXXX XXXX Installment Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$21000.00}. 
XXXX XXXX Revolving Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$6800.00}. 
XXXX XXXX Revolving Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$2600.00}. 
XXXX XXXX XXXX Account number XXXX, balance of {$3900.00} Actions Taken : FTC Identity Theft Report : I have filed a report with the Federal Trade Commission ( FTC ) with reference number XXXX. 
Disputes with Credit Bureaus : I have also filed separate disputes with Experian, XXXX, and XXXX regarding these inaccurate entries. 
CFPB Request for Blocking : In addition to disputing the accounts, I am formally requesting, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), to block all information appearing on my credit report that is a result of identity theft and fraud within 4 business days of receiving this complaint.

Impact and Supporting Documents : These fraudulent accounts have significantly impacted my ability to obtain credit. I have included a copy of my credit report highlighting the aforementioned fraudulent entries. 

Conclusion :

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 2024-11-24 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:
These inquiries ware fraudulent : XXXX XXXX XXXX XXXX RESIDENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-24 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: ID Analytics, Inc.
State: MO

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation