vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. MY PURSE INCLUDING MY PERSONAL INFORMATION WAS STOLEN. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

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 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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 2024-03-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. MY PURSE INCLUDING MY PERSONAL INFORMATION WAS STOLEN. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

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 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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:
I am writing to formally dispute the accounts shown in my consumer credit report, as referenced below, originating from data breaches and fraud. I require real, verifiable evidence bearing my signature or electronic signature. This communication is my personal request and requires comprehensive review. Similar activities, taken without my authorization, violate my consumer rights, as defined in the Fair Credit Reporting Act Section 605B [ 15 U.S.C. 1681c-2 ], and Fair Credit Reporting Act Section 604 [ 15 U.S.C. 1681b ]. 

XXXX XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX {$1400.00} XXXX XXXX XXXX {$0.00} XXXX - XXXX {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - XXXX {$2700.00} XXXX XXXX XXXX - XXXX {$2400.00} XXXX XXXXXXXX XXXX - XXXX {$2800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) - XXXX {$2800.00} XXXX - XXXX $ XXXX XXXX  - XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - XXXX {$410.00} XXXX - XXXX {$460.00} XXXX - XXXX {$20000.00} XXXX - XXXX {$60.00} XXXX XXXX - XXXX {$420.00} XXXX  XXXX - XXXX {$80.00} XXXX  XXXX XXXX XXXX {$200.00} LATE PAYMENT : 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 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 2024-03-25 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:
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 2024-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
I have disputed this with XXXX and XXXX  to this day, they have not asked for the collection agency to submit a wet signature with my name on there stating that I owed this bill

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The below inquiries were not authorized by me : 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 2024-03-25 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: DC

Complaint narrative:
Cfpb complaint inaccurate information In pursuant to 15 U.S.Code 1681 this is a violation of my consumer privacy rights. I am listing the account 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. This company is reporting inaccurate Account number, inaccurate opening dates, inaccurate reporting dates, and Last reporting dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
One main stated I couldnt take out the loan unless I signed for the extra benefits. We did not need the extra benefits. Loan has been paid off and benefit cost was not refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch
State: NC

Complaint narrative:
I attempted to rent to own a cello from XXXX XXXX XXXX at a function for my daughters school. When we arrived only 1 staff for atleast XXXX parents n kids. Salesperson never filled out paperwork just asked me to sign it as he would have to call the store for cello terms as not many kids select the cello, and he would get back to me with it so we could agree to proceed. Maybe he was busy i dont know but he never did and soon he told us the function was closing we had to leave and he would call us as he was still swamped. He never called, he never brought her music book for learning and multiple times we were double and triple charged.I did contact store, they said Id have to drive 45 mins one way to get her book, I said no as everyone else was given theirs with the instrument. My daughter never got taught, nor learned to play due to this. Also, they sold the debt to Kinum ( debt collection agency ) even though I had also informed XXXX XXXX XXXX that the rent to own agreement was void as the salesperson never completed, a price, cash price, payment due date or term. Under State and Federal law any finance agreement or rental agreement must have these outlined and with the contract being left blank and never filled in, the debt and contract are void under law and invalid for collection of any kind. I also, informed Kinum of this, both parties stated they dont care and resort to blaming each other in order to have this debt removed as its invalid. I have suffered damages by both parties since XXXX. As neither will remove this debt d4espite knowing its unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Hello, Nissan motor acceptance violated and breached my California durable power of attorney not once but twice they violated my fathers power of attorney and violated my power of attorney. We are both XXXX applicants for the vehicle loan. My mother is our power of attorney and they disclosed our account information without authorization. They process a third-party payoff and issued our vehicle title to an unauthorized third-party for which my father nor me Signed for and for which neither did our power of attorney there is no verbal or written authorization from my father, or myself for Nissan to have committed the elder financial abuse that they did my father is XXXX XXXX XXXX and he is the primary loan holder for his Nissan vehicle. I am the secondary, which was to help me with my credit, but I had no time possess the vehicle. It is my fathers vehicle. He only added me as a secondary to help me improve my credit with all the time payments being at my fathers XXXX XXXX XXXX with XXXX, has a power of attorney. This is elder financial abuse that Nissan committed by them, giving away our title and processing a third-party payoff without any authorization we have record of the phone calls were they said that they would not do this, but on XX/XX/XXXX they illegally and fraudulently process a third-party pay off without our other, is ation, and give away our title, despite four years of payments of over {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date XXXX  Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date XXXX XXXXnquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX  Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX XXXX  Date XXXX Inquiry XX/XX/XXXX, XXXX  Date XXXX  Inquiry XX/XX/XXXX, XXXX  XXXX Date XXXX Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX  Date XXXX Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date XXXX  Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX  XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX  Date XXXX  Inquiry XX/XX/XXXX XXXX XXXX Date XXXX Inquiry 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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
My American Express is closed and I paid off all my authorized charges before closing this account. American Express is still accepting charges to my closed account because they are still letting XXXX charge my account. I closed the XXXX account last XXXX, 2022 but can not get either XXXX or American Express to cancel these unauthorized charges leading to my closed account showing up on credit reports as 90 days past due and wrecking my credit score. I am tired of trying to get either of these vendors to listen to me and I am tired of wasting hours on the phone trying. Both accounts are closed. I requested AMEX to close my account hoping this would finally stop XXXX from charging unauthorized charges but AMEX still is accepting charges with out my authorization. 

I want them to stop accepting these charges and to finally realize my account is closed and I am not using a closed account. I closed this account myself to get XXXX to finally stop their unauthorized charges to the account I closed with XXXX in XXXX, 2022. Neither entity is responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
I am writing to formally dispute the accounts shown in my consumer credit report, as referenced below, originating from data breaches and fraud. I require real, verifiable evidence bearing my signature or electronic signature. This communication is my personal request and requires comprehensive review. Similar activities, taken without my authorization, violate my consumer rights, as defined in the Fair Credit Reporting Act Section 605B [ 15 U.S.C. 1681c-2 ], and Fair Credit Reporting Act Section 604 [ 15 U.S.C. 1681b ]. 

XXXX XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX {$1400.00} XXXX XXXX  XXXX {$0.00} XXXX - XXXX {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) - XXXX {$2700.00} XXXX XXXX XXXX - XXXX {$2400.00} XXXX XXXX XXXX - XXXX {$2800.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) - XXXX {$2800.00} XXXX - XXXX $ XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - XXXX {$410.00} XXXX - XXXX {$460.00} XXXX XXXX  XXXX {$20000.00} XXXX - XXXX {$60.00} XXXX XXXX - XXXX {$420.00} XXXX XXXXXXXX - XXXX {$80.00} XXXX XXXX XXXX XXXX {$200.00} LATE PAYMENT : XXXX XXXX  - XXXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX 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 2024-03-25 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 am writing to formally dispute the accounts shown in my consumer credit report, as referenced below, originating from data breaches and fraud. I require real, verifiable evidence bearing my signature or electronic signature. This communication is my personal request and requires comprehensive review. Similar activities, taken without my authorization, violate my consumer rights, as defined in the Fair Credit Reporting Act Section 605B [ 15 U.S.C. 1681c-2 ], and Fair Credit Reporting Act Section 604 [ 15 U.S.C. 1681b ]. 

XXXX XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - XXXX {$1400.00} XXXX  - XXXX {$0.00} XXXX - XXXX {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - XXXX {$2700.00} XXXX XXXX XXXX - XXXX {$2400.00} XXXX XXXX XXXX - XXXX {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX {$2800.00} XXXX - XXXX $ XXXX XXXX XXXX  XXXX {$1100.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX {$410.00} XXXX XXXX  XXXX {$460.00} XXXX - XXXX {$20000.00} XXXX XXXX XXXX {$60.00} XXXX XXXX - XXXX {$420.00} XXXX XXXXXXXX - XXXX {$80.00} XXXX XXXX XXXX XXXX {$200.00} LATE PAYMENT : XXXX XXXX - XXXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX - 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 2024-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I purchased a home at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. XXXX XXXX XXXX XXXX was the mortgage holder. 

In XXXX of XXXX XXXX XXXX XXXX XXXX transferred the mortgage to XXXX XXXX XXXX XXXX  XXXX, On XX/XX/XXXX XXXXXXXX XXXX transferred the mortgage to XXXX. 

On XX/XX/XXXX I received a letter from loanDepot.com, LLC informing me of a XXXX XXXX in which " sensitive personal information '' i.e. " name, address, financial account numbers, social security number, phone number and date of birth '' may have been impacted by the " data security incident '' experienced by loanDepot. 

At no time have I ever had any kind of business transaction with loanDepot and I would like to have someone explain to me how and why my personal mortgage information ended up in their files. Surely such data transference without my permission or knowledge is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Someone from Providian stating that I had a credit card that was charged off in 2017. They stated they were making sure I got papers served to me from my local government regarding a civil matter. I haven't had a credit card in years and there is nothing on my credit report that shows I owe anybody. The phone number they called me from was XXXX, XXXX, and XXXX. They also contacted my sister as well looking for me. These people have all my info such as address and SSN. Once again, I never had a credit card with Providian and this is a scam. They say I owe over {$2000.00} in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Each of the listed companies below have not given any written disclosures or contracts to sign or agree to terms of reporting to my consumer report and/or paying any debt. The companies also have not sent any verbal or written documents informing me of any debt and the companies are as listed : PORTFOLIO RECOVERY XXXX {$730.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
I recently review a copy of my credit report and notice I have fraudulent accounts on my report. Please remove these accounts from my report. They are hurting 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 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This is my last warning before I seek legal action. As a company, you should not be playing with fire as the cfpb has already sued your company for violating the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ). See attached. Cease communicating with me via credit reporting on all consumer reporting agencies immediately.

Company response to consumer: Closed with explanation