vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: AR

Complaint narrative:
I am deeply disappointed by your complete disregard for your own stated timeline. In your memo dated [ insert date ], it was clearly stated that the results of the investigation would be provided to me within 30 days. That deadline has passed, and I have yet to receive any communication regarding the status or findings. 

This lack of follow-through and failure to uphold your commitment is unacceptable. As the bureau, youve had ample time to complete the investigation, and there is no justified reason for this excessive delay in sharing the conclusions. Your memo set an expectation that I relied upon, and your inaction constitutes a breach of that assurance.

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 2024-09-13 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: WI

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-13 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: WI

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: AR

Complaint narrative:
I am deeply disappointed by your complete disregard for your own stated timeline. In your memo dated [ insert date ], it was clearly stated that the results of the investigation would be provided to me within 30 days. That deadline has passed, and I have yet to receive any communication regarding the status or findings. 

This lack of follow-through and failure to uphold your commitment is unacceptable. As the bureau, youve had ample time to complete the investigation, and there is no justified reason for this excessive delay in sharing the conclusions. Your memo set an expectation that I relied upon, and your inaction constitutes a breach of that assurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: TX

Complaint narrative:
On XX/XX/XXXX, around XXXXXXXX XXXX  in the morning, two men arrived at your residence on XXXX XXXX in XXXX, Texas. They claimed to be repossession agents from a company called XXXX XXXX and stated that they were there at my House to take my XXXX XXXX XXXX XXXX Truck due to an alleged repossession order from a company I never heard of named Loan Mart in California. 

Despite my peacefully objection, protests and insistence that I owned the vehicle outright and had no knowledge of any loan or title lien against it, the men proceeded to hook up my truck for removal. I mentioned feeling threatened as they appeared to have guns visible on their waistlines. 

After this unlawful repossession took place, I contacted the local police department in XXXX for assistance. However, they informed me that it was a civil matter and declined to get involved at first. 

Feeling distressed by the situation and experiencing financial losses due to the unauthorized seizure of my vehicle, I am seeking intervention from the Consumer Financial Protection Bureau to investigate the matter and ensure that my consumer rights are upheld. If XXXX XXXX and Loan Mart do not return my truck promptly, I plan to pursue legal action against them. 

I have filed a police report with XXXX XXXX XXXX ( report number XXXX ) I can email XXXX to intend to obtain a copy of this report within five business days following XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union did not lawfully obtain consent in accordance with the GLBA and FCRA to share nonpublic personal information, resulting in material misrepresentation, fraud, and identity theft pursuant 15 USC 1681a ( q ) ( 3 ) and Texas Penal Code Section 32.51. Navy Federal Credit Union is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX, XXXX, CA, 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 2024-09-13 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: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
I am writing to formally dispute a debt claim made by MIDLAND CREDIT MANAGEMENT regarding an account with the original creditor XXXX XXXX, in the amount of {$270.00}. I believe this debt claim is erroneous and have not been provided with proof of the alleged debt. Under the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I am presuming that no proof of the alleged debt exists, and therefore, the debt itself does not exist. Despite my requests, MIDLAND CREDIT MANAGEMENT has not supplied sufficient documentation or evidence to substantiate the debt. As such, I am requesting that this matter be investigated and that appropriate actions be taken to ensure that my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ) Despite their claim, MIDLAND CREDIT MANAGEMENT has not fulfilled the requirements to substantiate the alleged debt. Specifically : XXXX. Lack of Original Contract or Agreement : MIDLAND CREDIT MANAGEMENT has not provided a copy of the original contract or agreement that I allegedly signed, which would demonstrate my legal obligation to repay the debt. XXXX. Insufficient Account History : The documentation provided does not include a detailed account history that shows the transactions, charges, fees, and payments applied to the alleged debt. A full itemization is necessary to verify the validity and amount of the debt. XXXX. Failure to Provide Proof of Assignment : If MIDLAND CREDIT MANAGEMENT is not the original creditor, they have not provided evidence of a legitimate assignment or transfer of the debt that establishes their legal right to collect it. This includes any documentation that demonstrates a proper chain of title from the original creditor to MIDLAND CREDIT MANAGEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: NY

Complaint narrative:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following items. They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! ) Please delete the account below : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am filing this complaint against LexisNexis, XXXX, and XXXX for inaccurately reporting a bankruptcy on my credit file. Specifically, these agencies have listed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as the data furnisher of the bankruptcy information. However, I have received an official letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirming that they do not furnish any information to credit reporting agencies or credit monitoring services. They further stated that they do not verify or validate any bankruptcy-related information for credit reporting purposes. 

Despite providing this information and disputing the inaccuracy, LexisNexis, XXXX, and XXXX have failed to remove the erroneous bankruptcy from my records. This inaccurate listing has negatively impacted my creditworthiness, leading to a lower credit score and potential denial of credit. It is imperative that this incorrect information be corrected promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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:
c THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15U.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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-2 ( A ) ( a ) 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 2024-09-13 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: GA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
There has been an identity theft and someone is trying to open fraudulent checking or savings account using my information with the following different banks or credit unions : XXXXXXXX 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 2024-09-13 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: NE

Complaint narrative:
I am writing to formally dispute a debt claim made by XXXX XXXX XXXX  regarding an account with the original creditor XXXX XXXX, in the amount of {$270.00}. I believe this debt claim is erroneous and have not been provided with proof of the alleged debt. Under the doctrine of estoppel by silence, as established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am presuming that no proof of the alleged debt exists, and therefore, the debt itself does not exist. Despite my requests, XXXX XXXX XXXX has not supplied sufficient documentation or evidence to substantiate the debt. As such, I am requesting that this matter be investigated and that appropriate actions be taken to ensure that my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ) Despite their claim, XXXX XXXX XXXX has not fulfilled the requirements to substantiate the alleged debt. Specifically : 1. Lack of Original Contract or Agreement : XXXX XXXX XXXX has not provided a copy of the original contract or agreement that I allegedly signed, which would demonstrate my legal obligation to repay the debt. 2. Insufficient Account History : The documentation provided does not include a detailed account history that shows the transactions, charges, fees, and payments applied to the alleged debt. A full itemization is necessary to verify the validity and amount of the debt. 3. Failure to Provide Proof of Assignment : If XXXX XXXX XXXX is not the original creditor, they have not provided evidence of a legitimate assignment or transfer of the debt that establishes their legal right to collect it. This includes any documentation that demonstrates a proper chain of title from the original creditor to 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 2024-09-13 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: NE

Complaint narrative:
I am writing to formally dispute a debt claim made by XXXX XXXX XXXX  regarding an account with the original creditor XXXX XXXX, in the amount of {$270.00}. I believe this debt claim is erroneous and have not been provided with proof of the alleged debt. Under the doctrine of estoppel by silence, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am presuming that no proof of the alleged debt exists, and therefore, the debt itself does not exist. Despite my requests, XXXX XXXX XXXX has not supplied sufficient documentation or evidence to substantiate the debt. As such, I am requesting that this matter be investigated and that appropriate actions be taken to ensure that my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ) Despite their claim, XXXX XXXX XXXX has not fulfilled the requirements to substantiate the alleged debt. Specifically : 1. Lack of Original Contract or Agreement : XXXX XXXX XXXX has not provided a copy of the original contract or agreement that I allegedly signed, which would demonstrate my legal obligation to repay the debt. 2. Insufficient Account History : The documentation provided does not include a detailed account history that shows the transactions, charges, fees, and payments applied to the alleged debt. A full itemization is necessary to verify the validity and amount of the debt. 3. Failure to Provide Proof of Assignment : If XXXX XXXX XXXX is not the original creditor, they have not provided evidence of a legitimate assignment or transfer of the debt that establishes their legal right to collect it. This includes any documentation that demonstrates a proper chain of title from the original creditor to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: NE

Complaint narrative:
I am writing to formally dispute a debt claim made by XXXXXXXX XXXX XXXX regarding an account with the original creditor XXXX XXXX, in the amount of {$270.00}. I believe this debt claim is erroneous and have not been provided with proof of the alleged debt. Under the doctrine of estoppel by silence, as established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am presuming that no proof of the alleged debt exists, and therefore, the debt itself does not exist. Despite my requests, XXXX XXXX XXXX has not supplied sufficient documentation or evidence to substantiate the debt. As such, I am requesting that this matter be investigated and that appropriate actions be taken to ensure that my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ) Despite their claim, XXXX XXXX XXXX has not fulfilled the requirements to substantiate the alleged debt. Specifically : 1. Lack of Original Contract or Agreement : XXXX XXXX XXXX has not provided a copy of the original contract or agreement that I allegedly signed, which would demonstrate my legal obligation to repay the debt. 2. Insufficient Account History : The documentation provided does not include a detailed account history that shows the transactions, charges, fees, and payments applied to the alleged debt. A full itemization is necessary to verify the validity and amount of the debt. 3. Failure to Provide Proof of Assignment : If XXXX XXXX XXXX is not the original creditor, they have not provided evidence of a legitimate assignment or transfer of the debt that establishes their legal right to collect it. This includes any documentation that demonstrates a proper chain of title from the original creditor to 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