vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-05-01 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: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15USC 1681 Section 602 states I have the right to privacy.15USC 1681 Section 604a Section 2 also states the consumer reporting agency can not furnishan account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2024-05-01 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: FL

Complaint narrative:
To whom it may concern : Attached you will find information Ive identified on my credit report that needs to be deleted from your records 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I SAW THAT THERE WAS CHARGED OFF THAT SHOULD BEEN REVERSED AS A PAID IMMEDIATELY AND LATE PAYMENTS THAT SHOULD HAVE BEEN REMOVED AS A COURTESY!!! I WANT ALL NEGATIVE INFORMATION REMOVED ASAP AND {$140000.00} in lost wages!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
To whom it may concern : Attached you will find information Ive identified on my credit report that needs to be deleted from your records 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 2024-05-01 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: SC

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. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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 2024-05-01 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: SC

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. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 


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 2024-05-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
My identity was stolen phones, internet, a apartment lease, credit card accounts multiple accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: OH

Complaint narrative:
I noticed XXXX XXXX XXXXXXXX XXXX XXXX on my Credit Report. I have never even heard of this company, nor have I ever had a loan through them. 

I also noticed XXXX XXXX on my credit report. I have never had mobile services or any kind of service through 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 2024-05-01 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: OH

Complaint narrative:
I noticed XXXX XXXX XXXX XXXX XXXX on my Credit Report. I have never even heard of this company, nor have I ever had a loan through them. 

I also noticed XXXX XXXX on my credit report. I have never had mobile services or any kind of service through XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have received " this is a notice to collect a debt '' in regard to XXXX XXXX XXXX XXXX, informing I have/had debt with them. I requested documentation per 15 U.S Code 1681b, in which I have NEVER received any information or communication from them. I have received a judgment from XXXX XXXX XXXX informing garnishment of wages, on behalf of XXXX XXXX XXXX, whom also did not send or notify me of any alleged debt. NO ONE of 4 parties, including a company of XXXX XXXX XXXX XXXX who also did not send documentation upon request. This alleged debt seems to have gone through several agencies without my knowledge from the original creditor XXXX XXXX XXXX XXXX, and now XXXX XXXX XXXX are trying to collect and sue me for something I have no knowing of. XXXX XXXX XXXX is also trying to collect debt on an account with Citibank, which was possibly sold to XXXX XXXX XXXX XXXX XXXX in which I had no knowing of either. 

Creditor Acct # : XXXX XXXX XXXX / XXXX XXXX # : XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX ( UNKNOWN AMOUNT ) Creditor Acct # : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$2600.00} Please be mindful, 15 U.S. Code 1692g-Validation of debts and 15 U.S. Code 1692e-False or misleading representations. 

The following bureaus XXXX, XXXX, and XXXX are also in violation of my rights due to furnishing such information upon not verifying in due of the proper channels and procedures. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) and 15 U.S. Code 1681e ( b ) accuracy of report. 

All parties will be mentioned in regard to the appropriate account number/info I have thus far. Upon listed on 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 explanation
Consumer complaint received 2024-05-01 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: NV

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction with the lack of action taken regarding my previous dispute concerning the XXXX  account appearing on my credit report. Despite my prior demands for immediate resolution, this disputed account remains on my report, tarnishing its accuracy and reliability. 

Once again, I must emphasize that XXXX has failed to provide any valid evidence or documentation confirming the legitimacy of the disputed account. This absence of substantiation directly violates the Fair Credit Reporting Act and undermines the integrity of the information reported by your bureau. 

Furthermore, the unauthorized closure of my existing XXXX account and the subsequent opening of a new account under the XXXX brand without my explicit consent represent egregious violations of my consumer rights. These unilateral actions must not be tolerated, and the associated accounts must be promptly rectified. 

I demand immediate and decisive action : Remove the disputed XXXX account from my credit report without further delay, as it lacks validation and violates the Fair Credit Reporting Act. 
Eradicate any inaccurate or unverified information linked to the disputed account from my credit report. 
Ensure strict compliance by XXXX and related entities with consumer protection laws, including obtaining explicit consent before making changes to consumer accounts. 
Implement robust measures to prevent similar occurrences in the future and safeguard the integrity of the dispute resolution process. 
Failure to comply with these demands will leave me with no choice but to escalate this matter through all available legal avenues. The persistent presence of this disputed account on my credit report damages my financial standing and constitutes a grave injustice that can not be overlooked. 

I expect an immediate response outlining the steps taken to address these issues and a timeframe for their resolution. Your prompt attention to this matter is crucial, and any further delay will be deemed unacceptable. 

Thank you for your urgent consideration and anticipated cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: U.S. BANCORP
State: FL

Complaint narrative:
inquiry XXXX Elan Financial Services Do not know the company

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 2024-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: AL

Complaint narrative:
Loan # XXXX, in the amount of {$1100.00}, with a first payment due date of XX/XX/XXXX, was paid in the full amount of {$1100.00} onXX/XX/XXXX.

Online account still reflects balance due of {$140.00}, but when I view the transaction history in the same online account, it reflects a balance due of {$8.00}. 
When I contacted Advance America at their telephone service center, a representative said I owed the {$140.00} instead of the balance reflected in the transaction history. 
I have made several recent loans with this firm and paid them all off before the first payment date, and never had this occur before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I never received any information from the original creditor at XXXX XXXX XXXX XXXX XXXX which I never opened anything with this company to begin with. I was checking my credit report and notice the amount of {$12000.00} was already sent to collections under the company Midland Credit Management. These were fraudulent charges to begin with and I never opened any account with the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2024-05-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Lima One Capital, LLC
State: OH

Complaint narrative:
Lima one has the mortgage on a rental property I own. In XXXX and XXXX they increased by escrow because they calculated the payment on my insurance wrong. After months of arguing with them they refunded the overpaid amount. Again this year they increased my escrow because of a miscalculation of the insurance. I have been requesting it be changed back to the proper monthly payment since the beginning of the year but they have refused to take action. They have requested my insurance documentation several times and it has been provided but still will not answer me on the resolution of the payments. XX/XX/XXXX will be the third month that they have charged me incorrectly this year. I have made the incorrect payments as not to default on my mortgage but I need some resolution with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a complaint # XXXX which is still open on XXXX XXXX XXXX account XXXX XXXX and account # XXXX where these two accounts show as charge offs with a balance showing. A charge off eradicates the debt and l have never received a Form 1099-C on either account

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 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Dave Operating, LLC
State: CA

Complaint narrative:
My accountant with Dave, was first breached on XXXX. The funds were applied to my account on XXXX. On XX/XX/2024, once again my accountant was breached.I was told that I could use the money left that was on my bank card. Unfortunately that was not the case.Im unable to pay my bills on time without penalties. I trusted Dave with my money, they allowed scammers not once, but twice to ruin my trust in their banking security system.I 've given them everything to prove my Identity and for them to rectify this matter. Called numerous of times to know advil.They have all my information to get in touch with me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I had a two year lease on a XXXX  XXXX XXXX XXXX through Ally and XXXX XXXX XXXX. 
My vehicle, aside from a small stone chip on the right bottom front windshield that I immediately had filled after it happened, was in perfect condition. I was warned to make sure that I take as many pictures of my car as possible when grounding it and now I know why. I took pictures of my car in broad daylight from every angle and Ally said they can not accept them because they are blurry They most certainly are anything but blurry. 
I am fully prepared to pay for any overage on mileage but I am certainly not paying for fraudulent charges. I found several posts on XXXX regarding Ally doing the same thing to other people and one specifically referenced an XXXX XXXX lease. 
I attached a copy of the charges which references {$2400.00} but Ally is now charging me {$3100.00} with no explanation. 
When I try to call and speak to someone, I hold for 20-30 minutes and then the person I speak to says they cant help me and when I ask for a supervisor they disconnect my call.

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 2024-05-01 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

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 2024-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Usc article 9 part 6 In accordance with the Fair credit reporting act has violated my rights 15 usc 1681 section 602 A states I have the right to privacy.

15 usc 1681 section 604 a section 2 states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I took out a loan with Netcredit in XXXX of XXXX, the amount taken out was XXXX, and I was immediately charged fees of XXXX  dollars. Leading me to only have a cash advance of XXXX Month by month i noticed their fees were astronomical and I looked into my states laws to see if this was legal and now I am left to wonder if this loan agreement is legal at all. Accord to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a lender may, if agreed in writing between the lender and borrower, charge an interest rate at a maximum rate of 12 % per year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern : I am requesting you review your data on file for me and make sure it is accurate according to the Fair Credit Reporting Act and Metro 2 compliance standards. I am challenging any inaccuracies in my credit report and requesting that they be corrected immediately. I also require that any inquiries within my credit profile have a permissible purpose and be accurately sourced.

Company response to consumer: Closed with explanation