vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: GA

Complaint narrative:
Hello, I am writing concerned and distressed that someone has used my identity to obtain a card from XXXX XXXX in XXXX XXXX which is a old business name. The problem with this ccount is I was XXXX  and I have proof of my XXXX. I have disputed this account multiple times and it leaves me no choice. My XXXX is so intense that I was not allowed during that time to use my credit at all and was being XXXX XXXX XXXX XXXX. I am asking for Arbitration as my attorney will represent me but I am seeking damages after my XXXX is proving I am seeking my attorney fee 's of {$4000.00} and {$2000.00} for my distress for having to deal with somethiing that I did not do. I also have my old XXXX XXXXXXXX as a witness to prove this was not me. I have froze my credit and filed a report with identity theft.gov.As large as XXXX XXXX is they should have some type protection for consumers to prevent this from happening. I am requesting a response asap. I have already paid the retainer for my Attorney and can forward it over if needed. Please correct this issue urgently. 





{$2400.00} is the balance

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 2024-02-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I am writing concerned and distressed that someone has used my identity to obtain a card from XXXX XXXX in XXXX XXXX which is a old business name. The problem with this ccount is I was XXXX and I have proof of my XXXX. I have disputed this account multiple times and it leaves me no choice. My XXXX is so intense that I was not allowed during that time to use my credit at all and was being XXXX XXXX XXXX XXXX. I am asking for Arbitration as my attorney will represent me but I am seeking damages after my XXXX is proving I am seeking my attorney fee 's of {$4000.00} and {$2000.00} for my distress for having to deal with somethiing that I did not do. I also have my old XXXX XXXX  as a witness to prove this was not me. I have froze my credit and filed a report with identity theft.gov.As large as XXXX XXXX is they should have some type protection for consumers to prevent this from happening. I am requesting a response asap. I have already paid the retainer for my Attorney and can forward it over if needed. Please correct this issue urgently. 





{$2400.00} is the balance

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 2024-02-29 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:
On XX/XX/year>, I sent out a letter to the three Credit Companies XXXX, TransUnion, and XXXX asked them to send proof my information was sent to them by the courts or myself and they failed to send me anything. I ask that they remove the illegal information from my report. I reached out to the courts and they stated they never gave out any personal information to XXXX, TransUnion, and XXXX. I attached Letters as well to my 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
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one is purposely inaccurately reporting to consumer reporting agencies and bureaus after I requested validation of debt for account for {$440.00}. Capital One is reporting the following information : Date of last activity, Date reported, Date Account Opened, Last Payment. I have disputed this with the credit bureaus and Capital one has validated the debt with the credit bureaus and purposely neglected providing me with proper validation informatio.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XX/XX/2024 Car was repossessed and I had made a payment arrangement because the car was my only way to get to work and now I have no way to get to work I asked for an extension to come up with the past due amount

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-02-29 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: TX

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I do not owe this debt.

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 2024-02-29 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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

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 2024-02-29 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 a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
The companies listed below are reporting fraudulent inaccurate information on my credit reports with XXXX, XXXX, and XXXX. I have requested that they provide the " PURCHASE AGREEMENT '' to show full ownership of such accounts and also other documents so I May review them to see if these accounts belong to me. 

These are the companies that are currently reporting fraudulent inaccurate information on my credit reports ; Account name : XXXX XXXX XXXX Account number : XXXX Status : Account charged off. {$18.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Status : Account charged off. {$1.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
XX/XX/year> I submitted a mortgage application with my bank Navy Federal Credit Union. The application was submitted with incorrect income that I did not report, subsequently causing the application to be denied. I reached out several times for the person to correct the error I reached out to several departments and the application was subsequently denied. ( I found out later that they do this often to XXXX American applicants. ) A few months later I submitted on XX/XX/year> a pledge loan application to help me move into the home that I had purchased with ANOTHER mortgage company. Unfortunately shortly thereafter after I fell ill with XXXX, I lost my job and subsequently lost my home. Throughout that process, Navy Federal locked me out of my account blocked access to my CD and savings account and I was unable to make any arrangements. 
The only reason I knew I still had an active account was due to the CD maturing this XXXX. I had already been offered a settlement from the third-party collection agency Navy sold my debt to and sent a money order for {$1500.00} on XX/XX/XXXX. Oddly enough I tried to also settle the checking account balance that I cant even see, and was told by the agent that they dont offer settlements. And now I was told today that the pledge loan has been returned to Navy Federal on the XXXX of this month asking for the full balance on the loan! This bank is a total rip-off with extremely immoral and what seems to be illegal debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: FL

Complaint narrative:
I have recently checked my credit report and noticed some inaccurate accounts reporting. 

UNAUTHORIZED HARD INQUIRIES -XXXX XXXX XX/XX/2024 XXXX AND EXPERIAN XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2024 XXXX AND EXPERIAN XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX AND EXPERIAN XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX  XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 EXPERIAN XXXX XXXX XX/XX/2024 EXPERIAN.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is reporting incomplete and inaccurate information on my credit report. I have attached the proof and a letter describing each piece of inaccurate and or incomplete information. Under the FCRA I have a right to know what is in my credit file and I have a right to 100 % accuracy and complete credit reporting. Transunion has not provided this information. This gives cause for concern regarding identity theft issues having incorrect personal information and accounts that have not been verified. I never gave Transunion permission to put anything in my credit report. I have the right to direct whether or not I want information about a transaction to be reported. My right to privacy has been violated and I do not appreciate that. These are my rights under the FCRA that Transunion has on their own website. I take my right to XXXX XXXX complete and accurate data on my report seriously. I take my rights under the FCRA seriously. Please make sure to not report any transactions on my credit report. I did not give Transunion or anyone else my written permission. Under the FCRA it says, " reported info can not be ONLY transactions and experiences between the consumer and a company. '' All data on my report are transactions between I the consumer and a company. According to the FCRA you have 30 days to provide me with the information I requested or be in violation.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
This debt was consolidated in XXXX, after XXXX the previous processor was found guilty of fraudulent activities in XXXX. It my understanding this debt is considered a Certificate of Indebtedness and was charged off and/or paid in full in 2017. Due to this being considered income, all of these charged off & paid in full accounts should be removed from all credit reporting agencies under 15 U.S. Code 1681.

Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, XXXX is in violation. I did not knowingly consent to my information be sold or given to any third party companies including XXXX, Transunion, XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99.

Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. As a result of this violation, the accuracy of this report is in question. Please review spelling of names on original loans before consolidation for Inaccurate Reporting. There are over ten different names associated with my credit report. At least five are inaccurately spelled but the credit report, seemingly on purpose, doesn't show which accounts these incorrect names are associated with.

Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
This debt was consolidated in XXXX, after XXXX the previous processor was found guilty of fraudulent activities in XXXX. It my understanding this debt is considered a Certificate of Indebtedness and was charged off and/or paid in full in XXXX. Due to this being considered income, all of these charged off & paid in full accounts should be removed from all credit reporting agencies under 15 U.S. Code 1681. 

Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, XXXX is in violation. I did not knowingly consent to my information be sold or given to any third party companies including XXXX, XXXX, Equifax XXXX XXXX XXXX XXXX XXXX. Furthermore, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99.

Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. As a result of this violation, the accuracy of this report is in question. Please review spelling of names on original loans before consolidation for Inaccurate Reporting. There are over ten different names associated with my credit report. At least five are inaccurately spelled but the credit report, seemingly on purpose, doesn't show which accounts these incorrect names are associated with.

Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
This debt was consolidated in XXXX, after XXXX the previous processor was found guilty of fraudulent activities in XXXX. It my understanding this debt is considered a Certificate of Indebtedness and was charged off and/or paid in full in XXXX. Due to this being considered income, all of these charged off & paid in full accounts should be removed from all credit reporting agencies under 15 U.S. Code 1681. 

Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, XXXX is in violation. I did not knowingly consent to my information be sold or given to any third party companies including Experian, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99.

Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. As a result of this violation, the accuracy of this report is in question. Please review spelling of names on original loans before consolidation for Inaccurate Reporting. There are over ten different names associated with my credit report. At least five are inaccurately spelled but the credit report, seemingly on purpose, doesn't show which accounts these incorrect names are associated with.

Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7

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 2024-02-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ClearOne Advantage, LLC
State: CO

Complaint narrative:
ClearOne Advantage took money toward Debt Consolidation and didn't perform their due diligence. I canceled the program and asked for a refund of all moonies in my account and since XX/XX/24 the account has gone down {$100.00}. They have not sent me any refund yet.

Company response to consumer: Closed with explanation