vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been disputing with Experian as well as the others but mainly Experian. I reported identity theft to them and they are asking me to pay for services to help protect my credit file and lock it, in which I should not have to as a victim of identity theft. They also do not prioerly investigate they will email me days later emails that give the run around instead of doing their jobs. I reported identity theft as well as provided the necessary documents to them. Sometimes they wouldnt even submit the dispute would say its because I have disputed it in the past. Its obviously as reason if Im disputing it again because no proof was provided nor a proper investigation and because im a victim of identity theft this needs to be taken seriously and handled immediately. The FCRA requires credit bureaus to block reporting of information in your credit file that you allege resulted from an identity theft, within four business days after your notification to the credit bureau. It has been more than 4 business days and nothing has been blocked only emails sent about it and emails sent about their job in the dispute process as well as everytime I log in Im on a page asking for my credit or debit card information to pay and upgrade credit services.

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2023 I wrote a letter to the Credit Reporting agencies asking them to update incorrect names, addresses, phone numbers and any employers on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I'm trying to pay off my XXXX XXXX credit card instead of paying monthly and show it paid off on credit reports. I only 3. The other 2 are paid off. I'm trying to get the 3rd. 

So I applied online with One Main Financial. I was approved for {$11000.00} secured loan. 
In order to obtain funds, the next process is to submit the required documents. I submitted my driver 's license, vehicle registration, vehicle insurance, vehicle title, and paystubs from two different jobs ( XXXX XXXX  which they allowed, the XXXX they didn't because my proof was by bank statement and they only accept alimony, etc as proof of income via bank statement ). 

After I submitted the documents they moved the goalposts and asked for my 1040 Schedule C, and proof of tax extension. I sent my XXXX XXXX XXXX XXXX schedule C and my XXXX proof of approved file extension from XXXX XXXX. 

Now, they're saying we can't complete the loan without proof from the IRS that it was successfully extended. I responded, " XXXX wouldn't send me the email confirmation if they didn't get it approved from the IRS ... '' She then says I know, but we need IRS confirmation. That's XXXX. If I ask to see that in writing I guarantee you it wouldn't be there. They just don't want me to have the loan. I only want to pay off a {$3000.00} revolving credit card with 35 % interest. My car is worth {$6000.00}. I only {$3000.00}. They're stopping me for a file extension. Same scenario but caucasian they're not putting me through all the hoops. 

When an XXXX says they have to be XXXX better to do average, this is what they mean. We have to jump through more hoops.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. & 1681 et seq. for unlawfully obtaining my [ Equifax, XXXX, and/or XXXX ] consumer report on { XX/XX/XXXX } without my authorization or a permissible purpose under the FCRA. See 15 U.S.C <> 1681b. Specifically, the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681c of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. <> 1681 ( f ), XXXX XXXX XXXX XXXX XXXX  2d 711 ( S.D. Ind, 2003 ). 
I have not initiated and transaction with [ XXXX XXXX  DBA XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ], Further, I do not have an account as defined under 15 U.S.C for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C <> 1681q. 
As a result of you unlawfully obtaining my consumer report without permissible purpose, you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees, 15 U.S.C. <> 1681n ( a ) For the sale of judicial economy, I am willing to settle this matter without any admitted liability, I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of the consumer report from the consumer reporting agencies and ( 2 ) pay me {$1000.00} and deliver it to my address above with 14 days of receiving this demand. 
Please be advised that I am prepared to litigate this matter if you do not comply with this demand, Upon timely receipt of the {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXawfully obtaining my [ XXXX, XXXX, and/or TransUnion ] XXXX report on { XX/XX/XXXX } without my authorization or a permissible purpose under the FCRA. See XXXX XXXX XXXX XXXX. Specifically, the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( XXXX ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( XXXX ) the purpose is certified in accordance with section XXXX of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. <> 1681 ( f ), XXXX XXXX XXXX, XXXX, XXXX, 2d 711 ( S.D. Ind, 2003 ). 
I have not initiated and transaction with [ XXXXXXXX XXXX  DBA XXXX XXXX XXXX XXXX XXXXXXXX XXXX ], Further, I do not have an account as defined under 15 U.S.C for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C <> 1681q.

As a result of you unlawfully obtaining my consumer report without permissible purpose, you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees, 15 U.S.C. <> 1681n ( a ) For the sale of judicial economy, I am willing to settle this matter without any admitted liability, I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of the consumer report from the consumer reporting agencies and ( 2 ) pay me {$1000.00} and deliver it to my address above with 14 days of receiving this demand.

Please be advised that I am prepared to litigate this matter if you do not comply with this demand, Upon timely receipt of the {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 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: NM

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 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: IL

Complaint narrative:
I have never done business with XXXX XXXX XXXX XXXX. I did check the XXXX  consumer access website and this company is not licensed to do business in the state if IL

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 2023-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
Ive disputed a total of {$11000.00} on my Chime account due to fraud and identity theft in XX/XX/2023. I still have yet to receive any documents referring to my case and proving that they have conducted an investigation into this matter. They also closed my account immediately after I discovered the fraudulent activity which is expected, however I inquired about account access to my statements and was never allowed access to my account to view any and all activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXXXXXX  You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & 1681 et seq. for unlawfully obtaining my [ XXXX, Experian, and/or XXXX ] consumer report on { XX/XX/XXXXXXXX  } without my authorization or a permissible purpose under the FCRA. See 15 U.S.C <> 1681b. Specifically, the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681c of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. <> 1681 ( f ), Chester v. Purvis, 260F, Supp, 2d 711 ( S.D. Ind, XXXX ). 
I have not initiated and transaction with [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ], Further, I do not have an account as defined under 15 U.S.C for review or collection. 
Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C <> 1681q.

As a result of you unlawfully obtaining my consumer report without permissible purpose, you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees, 15 U.S.C. <> 1681n ( a ) For the sale of judicial economy, I am willing to settle this matter without any admitted liability, I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of the consumer report from the consumer reporting agencies and ( 2 ) pay me {$1000.00} and deliver it to my address above with 14 days of receiving this demand. 
Please be advised that I am prepared to litigate this matter if you do not comply with this demand, Upon timely receipt of the {$1000.00} payment, this letter shall be a general release of all claims herein.

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 2023-08-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX, BEST B XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have a collection debt on my credit report at TransUnion and someone at credit consumer Reports or TransUnion are taking it off one day and putting it by on another day which makes my credit score drop and did have happened several times to decrease my score

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 2023-08-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I bought a car with US Autos Sales in XXXX, GA in XX/XX/XXXX. The company went bankruptcy and sold my car to another company without my knowledge. The warranty I paid for do not exist. Also the company did not have their sellers licenses. The overcharged me for my vehicle. Now the money I paid the new company Westlake Portfolio is not transferring my payments over. They say I owe XXXX on a XXXX vehicle I been paying on. I can't reach anyone on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: PA

Complaint narrative:
EQUIFAX IS IN WILLFULL VIOLATION UNDER 15 USC 1681e - COMPLIANCE PROCEDURES. EQUIFAX HAS BEEN GIVEN PROPER NOTICE OF THEIR VIOLATI ON AND CONTINUE TO PLAY CHILDISH GAMES AND PROLONG THEIR GRAVE DUTIES AND OBLIGATIONS. EQUIFAX WAS REQUESTED TO EXERCISE THEIR GRAVE DUTIES AND FCRA OBLIGATIONS UNDER 15 USC 1681a(1)(2) - EXCLUSIONS -- AND REMOVE ALL TRANSACTIONAL ACCOUNTS THAT CONGRESS HAS DEMANDED BE REMOVED UNDER THIS PROVISION. UNDER THIS PROVISION. EQUIFAX HAS INSTEAD SENT A LETTER STATING THAT THEY COULD NOT VERIFY ME WHEN IN FACT IT IS A STALL TACTIC BECAUSE EQUIFAX WAS GIVEN PROPER VERIFIABLE DOCUMENTS LIKE MY LICENSE AND A BILL. EQUIFAX IS CHOOSING TO NOT PERFORM ITS DUTIES WITH REGARD AND RESPECT TO THE CONSUMER AND IS WILLFULLY VIOLATING FCRA REQUIREMENTS. EQUIFAX HAS ALSO COMMITTED FRAUD BY FURNISHING TRANSACTIONAL ACCOUNTS THAT HAVE BEEN CHARGED OFF AND WRITTEN OFF WHICH IS AGAISNT FEDERAL COURT CASE LAW RULING Mund v. Transunion Persinger v. Sw. Credit Sys WHERE IT WAS RULED ACCOUNTS THAT HAVE BEEN CHARGED OFF SHALL NOT BE REPORTED FOR THE DEBT NO LONGER IS OWED BY THE CONSUMER. EQUIFAX HAS STATED THE ACCOUNTS MEET FCRA REQUIREMENTS SO I DEMAND EQUIFAX PORVIDE SUCH REQUIREMENT STANDARDS IN RELATION TO 15 USC 1681a(1)(2) AND 15 USC 1681e. EQUIFAX IS AN ELABORATE MECHANISM THAT ASSUMED ITS ROLL TO REPORT NEGATIVE TRANSACTIONAL INFORMATION ON MY CONSUMER REPORT THAT CONGRESS DEMANDS NOT BE REPORTED AND HAS ALSO COMMITTED FRAUD BY REPORTING COLLECTION INFORMATION WHICH IS ALSO A VIOLATION UNDER THE FCRA AND FEDERAL COURT CASE LAW AND CLAIMS IT MEETS FCRA REQUIREMENTS IN HOPES TO TRICK AND LIE TO THE CONSUMER AND C.F.P.B.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I co-signed for a car for my mom and in XXXX my mom totaled the car and was behind on payments but the insurance company paid the car off but the late payments is what I was told by Kia. But then Kia allowed her to take out another loan on another car and want to hold me liable for a car that was totaled and demolished. What Im not understanding is why let her get another car in her own name and hold me liable for both cars when I never signed the agreement for the second one. I want this car removed and deleted for the error of trying to hold me liable for a car that was totaled and suppose to have had the gap insurance on it and we put a large down payment for the first one. Plus the first car was totaled in XXXX and I should no longer be held liable for that car since they did let her get another. But my question is if the first car was totaled in XXXX how was it then towed away in XXXX and that because she had another car and this is not the same car from the first original contract that I signed.

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 2023-08-26 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: VA

Complaint narrative:
Subject : Complaint regarding refusal to investigate and remove collection accounts Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the lack of action taken by credit bureaus in relation to the unjust reporting of two collection accounts on my credit report. Despite my diligent efforts to rectify this matter, the credit bureaus have consistently refused to investigate and remove these erroneous items from my credit report. 

The collection accounts in question are associated with XXXX XXXX XXXX XXXX XXXX XXXX. I have repeatedly requested proof of any contractual obligations between myself and this collection agency, but to my dismay, no evidence has been provided. It is important to note that I have no knowledge or recollection of any such contract, and therefore, I maintain that I am not obligated to this collection agency. 

Furthermore, XXXX XXXX has been inaccurately reported as an active account, despite the fact that it was actually charged off and reported to the IRS as a cancellation of debt. This cancellation of debt is clearly documented in my income tax records. It is both alarming and fraudulent for the company to have filed a cancellation of debt with the IRS, yet continue to report the account as active on my credit report. 

I kindly request that you take immediate action to investigate these matters thoroughly and remove these unjust items from my credit report. It is imperative that my credit history accurately reflects my financial responsibility and integrity. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureaus to conduct a reasonable investigation into these disputes. I urge you to fulfill your obligations under the FCRA and ensure that my rights as a consumer are protected. 

I expect a prompt response within 30 days, as mandated by the FCRA. Failure to address this issue within the specified timeframe will leave me with no choice but to pursue legal remedies to protect my rights and rectify this situation. 

Thank you for your attention to this matter. I eagerly anticipate a swift resolution that will restore the accuracy of my credit report

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 2023-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Global Lending Services LLC
State: IL

Complaint narrative:
XX/XX/XXXX  Fraudulent inquires on my credit report that I didn't Authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: TX

Complaint narrative:
This complaint is to inform the cfpb that Transunion continues to be corrupt and discourteous in regards to the XXXX XXXX XXXX account # XXXX that is wrongly placed on my credit report. I received a correspondence from Transunion dated XX/XX/XXXX FILE NUMBER XXXX stating that due to the result of the investigation, the the XXXX XXXX XXXX account was DELETED And the account information was updated on XX/XX/XXXX. I followed up on another copy of my credit report XX/XX/XXXX and discovered that the illegal account is still being reported on my credit report. This is evidence that Transunion is knowingly reporting False Data on my credit report. Which is a blatant violation of the Fair Credit Reporting Act. They conducted an investigation, found that the item did not belong on my credit report, but they continue to report it. The company continues to ruin my reputation and I will be seeking damages from all parties involved if this matters isnt resolved in ten days. 
Along with this correspondence, I am including a copy of the deletion letter that was mailed to my residence on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief