vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  Date of inquiry : XX/XX/2024 XXXX Date of inquiry : XX/XX/20XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/2024 and so on!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
The loan was given to me with the intent of paying off the amount that was borrowed, and then the interest would be paid. However, the loan is interest-bearing ( was not discussed at application ), with the interest always occurring ( also not discussed ). This means that the interest that I pay one month can vastly change the next without my knowhow. Other people have reported this underhanded issue with OneMain. I have contacted them last year to try and adjust my monthly payment, which they REFUSED to assist with. I am very unsatisfied with their services and want this to be known to any other potential loan applicants. 

They also do not offer a payoff amount on their website. You have to call a specific branch in order to find the information, which is also underhanded as there is no visual specification to give, so they can manipulate it as they would see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/year>, I visited my XXXX branch to inquire about the XXXX imposed on my account, only to be informed that it is under XXXX due to alleged XXXX claims. I want to emphasize that I have absolutely no knowledge or involvement in any XXXX  activities related to my account. The fact that my account has been XXXX without any prior notice or explanation is deeply distressing. 
What is even more concerning is the timeframe provided for the investigation process. I was informed that I would not be able to access my own funds for XXXX XXXX days, and after that wait another XXXX XXXX days for a XXXX XXXX, which is an XXXX XXXX period considering my immediate XXXX obligations. As a XXXX parent with a XXXX son who depends on me for his XXXX needs, including food, transportation to school, and our XXXX XXXX expenses, this situation has put us in an incredibly difficult and precarious position. 
Furthermore, the XXXX placed on my son 's XXXX account, including his XXXX XXXX money, is not only unjust but also insensitive to the needs of an XXXX child. It is unacceptable that XXXX Bank has chosen to XXXX access to funds that rightfully belong to us, without providing any XXXX alternatives or XXXX solutions to mitigate the impact on our daily lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: NY

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-03-08 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: MD

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.

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 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA.

Name Account COLLECTION. 
XXXX XXXX XXXX. 
Account Opened. 
XX/XX/2023. 
{$3900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I not liable for this debt I do not have a contract with GM financial they did not provide me with the original contract per my request please remove this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
CFPB Complaint Date : XX/XX/2024 Fair Debt Collection Practices Act ( FDCPA ) Violation Hello, This letter serves as a formal complaint regarding your violation of the Fair Debt Collection Practices Act ( FDCPA ) in your collection attempts on a reported debt. 
Specific Violations : XXXX. Failure to Provide Validation Information : You have not provided me with the validation information required by 12 CFR 1006.34 ( b ) ( 5 ). This information is crucial for me to assess the debt 's legitimacy. 
XXXX. Denial of Dispute Opportunity : You have not provided me with a fair and meaningful opportunity to dispute the debt as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
XXXX. Deceptive and Misleading Practices : Your actions constitute a violation of the FDCPA 's prohibition on using false, misleading, or deceptive means in debt collection activities ( 12 CFR 1006.34 ( d ) and 15 USC 1681-s-2 ( 7 ) ( A ) ). 
XXXX. Furnishing Incomplete Information to Credit Reporting Agencies : You placed a collection on my credit report without providing the necessary disclosures required by law, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-s-2 ( 7 ) ( A ).

Request for Action : 1. Cease and Desist all Communication : I am revoking my consent for you to communicate with me through any means, including phone calls, text messages, or emails. All future communication must be made through certified mail. 
XXXX. Debt Validation : I demand complete validation of the alleged debt, including : * A copy of the original creditor agreement. 
* Proof of assignment of the debt from the original creditor to XXXX XXXX XXXX. 
* An itemized statement of the debt, including dates of service and charges. 
XXXX. Proof of Licensure and Bonding : Please provide documentation proving your licensure and bonding to collect debts in my state. 

I expect a prompt response to this complaint and a resolution to the violations listed above. If I do not receive a satisfactory response within 30 days, I will be forced to pursue further legal action, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ), filing a complaint with the Federal Trade Commission ( FTC ), and/or seeking legal counsel. 
Sincerely, XXXX XXXX XXXX Account Name : CREDIT COLLECTION SERV Account Number : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX XXXXXXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: New Century Auto Sales, Inc.
State: MI

Complaint narrative:
They continuously call me and my husband disclosing only the name of their business XXXX  and stating it is regarding a personal business matter. They do not indcate it is to collect a debt or that they are a debt collector per my rights according to the FDCPA. They call hang up. They call leave no messages. They are calling on a voluntary repo that is a charge off. The account has already been charged off and so they are trying to collect more money from me. I have told them not to contact me numerous times. The vehicle was sold. I owe them nothing. 
I am trying to get away from the bank I had the vehicle with for their immoral collection practices and now I am being harassed by this XXXX company. I am dealing with a medical hardship and do not need the added stress of this company calling me and refusing to state what they want and the nature of their business other than its a personal.business matter. Per rules and regulations they have to disclose who they are and the specific reason for their call and I requested they not call me therefore they have to abide by that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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:
I asked to give reason/s why they lowered my credit score. They basically do the following : they ran my information through their computer program and it spits out a XXXX  score over which they claim they have no control.

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 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of XXXX life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my XXXX XXXX, 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 XXXX. 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 :

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 2024-03-08 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Hello XXXX, My name is XXXX XXXX. I applied for an XXXX loan with Digital Federal Credit Union on XX/XX/2024 & they ran a XXXX  inquiry and offered me a XXXX rate of XXXX XXXX & quoted that my XXXX score is XXXX. Upon checking with XXXX my score is XXXX & they mailed a XXXX copy of the score on XX/XX/XXXX XXXX but I was repeatedly kept saying by XXXX that my XXXX XXXX is XXXX & also denied to send me a confirmation statement when I kept asking about it. This is too bad that I am given a bad rate based on an incorrect information. Request you to please look into this issue. Thanks. 

Regards, 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 2024-03-08 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: PR

Complaint narrative:
My XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Early Warning Services for their unlawful actions, specifically the unauthorized inquiry into my consumer report. This action has adversely sabotaged my ability to open a checking account, thereby impacting my financial well-being which is causing me not only severe emotional distress but also financial distress and damage. 

I discovered that Early Warning Services was violating my rights on XX/XX/year> ; I promptly disputed the false allegations within my file. ( Reference : consumer # XXXX. ) In my dispute, I highlighted the violations of the Fair Credit Reporting Act ( FCRA ) by Early Warning Services, citing 15 U.S. Code 1681. 
I have attached supporting documentation, including a copy of the dispute letter and their audaciously dismissive actions in response to my valid concerns and lawful request for resolution. 

Furthermore, Being deprived of a checking account has significantly affected my ability to conduct daily transactions, receive my taxed earnings from work, efficiently manage my finances, and overall completely restricting my access to essential banking services as a lawful citizen in this nation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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:
I constantly check my credit report and noticed that the errors are false misleading information from individual accounts did not quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items.

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 2024-03-08 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: NJ

Complaint narrative:
I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. 

However the credit bureaus said the completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation? This is considered fraud and against the law.

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 2024-03-08 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: CA

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: FC HoldCo LLC
State: AL

Complaint narrative:
XX/XX/2023, I noticed unauthorized inquires on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed.

Company response to consumer: Closed with explanation