vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX IS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 of 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 explanation
Consumer complaint received 2024-07-11 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: NE

Complaint narrative:
Account XXXX On XX/XX/XXXX I refinanced my Nissan XXXX XXXX  and was approved by XXXX XXXX XXXX XXXX. On XX/XX/XXXX I emailed contract and proof of payment to NMAC-Nissan Financial Services . Per CSR ( XXXX ) at Nissan pay off payment was received on XX/XX/XXXX and applied to my loan account. On XX/XX/XXXX XXXX XXXX  XXXX XXXX called to say they have not received title to the XXXX Nissan XXXX  and release of lien letter. I spent 2 hours with CSR ( XXXX, XXXX, and supervisor XXXX ) at Nissan gave me the following excuses : XXXX. I ( XXXX ) did not personally call to request the title be sent. 
XXXX. My account is in Bankruptcy department ( please note I did not include this vehicle in bankruptcy I made payments for 1yr and then refinanced the vehicle ). 
I advised NMAC I want to be compensated {$50.00}, for the 2 hours I spent calling them and listening to the XXXX/Mularkey/Lame excusing for handling business poorly. I had to advised them that Lien holders have 15 days to release titles and lien after receipt of payment. 
Please also note in XX/XX/XXXX XXXX XXXX XXXX made payoff payment requested the title after payment cleared via letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
I used my Discover Credit Card to make several purchases with XXXX. An XXXX representative and I reviewed purchases from the last XXXX months ( XXXX to XX/XX/year>. ) From that review, I identified items that I didnt recognize and the XXXX representative was notable to identify the items. So, it was identified as fraudelent. The items totaled {$530.00}. When I spoke with Discover, they spoke of items with XXXX that were NEVER in dispute. The spoke of a pink and white dish set that was incomplete with XXXX of XXXX cups. I was told to keep the set and XXXX credited my account. Now, why would I put that in a dispute? In addition, Discover spoke of a wrist band that I never put in dispute. I wear the wrist band EVERYDAY. I kept telling Discover that I only put in dispute items that I did not recognize. If you could tell that the item was a wristband, a set of dishes or a XXXX dress ( later told to me ) then it was never something that I disputed. This was done to discredit my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had 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 non-monetary relief
Consumer complaint received 2024-07-11 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-11 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NY

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are in accurate items on my credit report. The theft of my identity was also reported to the federal trade commission. 

Also, I have enclosed the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete these items. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer agency can not furnish an account without written instructions.
15 U.S. Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report and agency WRITTEN CONSENT to report anything on my consumer report that violates my right as a federally protected consumer. 
NO CONSENT IS IDENTITY THEFT as a consumer I am demanding the deletion of the accounts listed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of human trafficking of debt bondage and would like for all the listed accounts to be BLOCKED AND DELETED FROM TRANSUNION LLC. 

XXXX XXXXXXXX XXXX XXXXXXXX {$110.00} XXXXXXXX XXXX {$6400.00} XXXX {$4100.00} US DEPT. OF EDUCATIONXXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX {$670.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$760.00}

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 2024-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Set up monthly biweekly payments for the XXXX and XXXX of each month. On XX/XX/XXXX deducted via a h from account, posted on XX/XX/XXXX. I later received a notice from Cap One they did not receive payment of XX/XX/XXXX, was charged extra fees, reported as late to CRA, and was provided options to make payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: AZ

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: AZ

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Received two calls from two numbers that mimicked the XXXX XXXX Police Department phone number and the US Immigration and Customs phone number on XX/XX/year>. The accused on the line stated that they noticed that my name was connected to a XXXX XXXX  account that had unusual transactions associated with it. Accused asked me if I was the one that was making the transactions, which I found odd because I does not have a XXXX XXXX  account, and told the accused that I was not the one making the transactions. Accused on the other line told me that they had an arrest warrant for me and that if I does not send over money, I will be arrested. Caller told me that I can not tell anyone or go to the police within three days of this happening. When the caller asked for his social security number, I did not give it and felt off about the call and decided to come to the police department. my mobile phone has been hacked and someone has been monitoring what he has been doing on my phone as well. It is unknown if this is related to the phone calls. {$500.00} through XXXX to the caller, {$1500.00} through wire transfer to the caller were deducted from my account, and an additional {$500.00} through XXXX XXXX. XXXX and wire transfer transactions were paid through my Chase Bank account, and the XXXX XXXX transaction was through my discover card account. POTENTIAL SUSPECT INFORMATION On XX/XX/year>, Accused from the XXXX  number said that his name was XXXX XXXX. Accused from the US Immigration and Customs number stated his name was XXXX XXXX with an ID number of XXXX XXXX. ' It is unclear who said what, but collectively, Both of the accused wanted me to send {$500.00} through XXXX to an XXXX XXXX ( XXXX number : XXXX ), {$500.00} through Pal Pal to XXXX, and {$1500.00} through wire transfer ( Online Domestic Wire Transfer Via : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ). ADDITIONAL INFORMATION I made contact with Chase Bank prior to taking this report, but they denied my dispute because they said the payment went through my account though I did not made that transaction. Also gave a police complain on XX/XX/year> with the case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: LA

Complaint narrative:
I am still following up with complaint # XXXX WITH NO RESOLUTION We did a loan modification and had it notarized AGAIN and paid the trial plan payments. I have no idea if our loan has been sold to another company but I keep getting threats from Flagstar Bank about amount due and possible foreclosure. I have not received ANY statement with new monthly payment due. I have no idea where to send payments so I am just sending to previous address I have from FLAGSTAR.

At this point I am at a total loss as to what to do next. I am not able to set up autopayments online and I have sat on hold for longer than an hour without any resolution. It seems like the company does NOT want me to pay even though I am ready and willing to make monthly payments. PLEASE let me know what I can do at this point, I am at a total loss. Per my Loan Modification # XXXX sent prior to XXXX. I made my first payment in XXXX of {$4000.00} and now waiting to pay XXXX. 

XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX Mailed to XXXX XXXX XXXX I have attached the letter confirming my loss mitigation application was received on XX/XX/year>. 

Received a letter saying I was approved for Flex Modification Plan ( XXXX XXXX ) on XX/XX/year>. 

Paid the trial payments ON TIME XXXX, XXXX and XXXX Then got a XXXX  XXXX which I had notarized and send first payment for XXXX. 

As of now I have received NOTHING about where to make payments.

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 2024-07-11 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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:
ACCORDANCE WITH THE FAIR CREDIT REPORTING XXXX XXXX XXXX ACCOUNT XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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

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 2024-07-11 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: IL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
They auto loan company XXXX  financials been updating and still reporting debt that doesnt belong to me on my credit report. They are violating my rights. And its been over 7 year mark, so that debt needs to be delete all my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AR

Complaint narrative:
This was deleted off my report. As of XX/XX/year> I had XXXX collections. Today XX/XX/year> I have XXXX. Caine and weiner reported this like it's something new. I do not know of these people nor the debt they are trying to collect. Deleted previously then re-reported as if it's a new collection. I have a recent complaint on file with cfpb and it was deleted. Now reopen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LDF Holdings, LLC
State: SD

Complaint narrative:
Evergreen loans is charging over 400 % interest which is illegal in the state of South Dakota. This loan company is violating the rico act and attempting to collect more money then owed. I have paid this loan off and they are sending me over to collections for an illegal amount of interests. They are allowing people to get loans online in South Dakota while this type of loan is illegal in this state and violates federal law and state law. This company is hiding on tribal grounds in order to avoid being shut down. The us government needs to intervene and stop these predators who are violating the rico act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NJ

Complaint narrative:
This letter serves as my final demand for the immediate removal of unverified negative accounts from my credit report. Despite multiple prior communications, your department has failed to resolve or verify the disputed 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 non-monetary relief