vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 explanation
Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
I just checked and reviewed again my credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
I just checked and reviewed again my credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Westlake Services, LLC
State: ID

Complaint narrative:
To the Consumer Financial Protection Bureau : I am filing a complaint against Westlake Portfolio Management XXXX XXXX XXXX regarding an alleged debt that I believe is invalid and potentially related to a scam. 

Key points of my complaint : 1. The debt is associated with a program that I now believe was fraudulent, a service from a company called XXXX XXXX, which a group of people are currently organizing a class action against. 
XXXX. I have previously disputed this debt, but Westlake Portfolio Management XXXX XXXX XXXX claims to have verified it without providing adequate documentation. 
XXXX. The company has not provided me with a copy of the original loan agreement or detailed account statements. 
XXXX. They have locked me out of my online account, preventing me from accessing loan details. 
XXXX. The company has been contacting me 5-6 times daily via phone and email, which may constitute harassment under the FDCPA. 
XXXX. The company has contacted me under XXXX names throughout this experience, including " Covered Care, '' " XXXX XXXX, '' and " Westlake Portfolio Management. '' This indicates a lack of transparency. 

I am requesting that the CFPB : XXXX. Investigate the validity of this debt associated with fraud and the practices of Westlake Portfolio Management XXXX XXXX XXXX. 
XXXX. Ensure that the company provides full documentation of the alleged debt. 
XXXX Review their debt collection practices for compliance with the FDCPA. 
XXXX. Assist in resolving this dispute and protecting my consumer rights. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-10-03 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: GA

Complaint narrative:
XXXX XXXX Date of Birth : XX/XX/XXXX Current and Only Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, GA XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Dear Sir/Madam, I, XXXX XXXX XXXX XXXX : XXXX ), am formally submitting this letter to dispute the account below as it does not belong to me. I have no knowledge of this debt, and I did not authorize this account to be reported on my credit report. 

Despite multiple previous attempts to resolve this matter, I have yet to receive any communication or validation of this account from the credit reporting agencies or the collection agency in question. Therefore, I am demanding immediate deletion of this inaccurate account from my credit report. 

Account Information : Creditor : XXXX XXXX XXXX XXXX Original Creditor : Crest Financial Account Number : XXXX Account Type : Collection Balance : {$1100.00} Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX Payment Status : Collection/Chargeoff I am requesting a full validation of this account under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), which requires you to provide me with validation of this debt within 30 days. If you can not provide valid proof, this account must be permanently deleted from my credit report. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I am demanding that this account be thoroughly investigated. Since I do not have any debt with the original creditor, XXXX XXXX, the presence of this account is a clear violation of my rights under the FCRA, which protects consumers against the reporting of inaccurate or unverifiable information. 

Please confirm receipt of this letter and provide documentation proving the existence and ownership of this debt. If no valid proof is provided, the law mandates the immediate removal of this account from my credit reports with all credit bureaus. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA 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 2024-10-03 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: IL

Complaint narrative:
I have found that these inaccuracies are still reporting on my file and it's disappointing considering how I have reached out to your company twice regarding these accounts. It's so disappointing to consistently ask of you to investigate these because it's causing me so much stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am writing to formally dispute the negative mark SECU has reported on my credit report related to the repossession and sale of a vehicle. The vehicle was sold at auction, and SECU filed a claim under the known loss provision, receiving compensation for the vehicle. Despite receiving funds from both the auction sale and an insurance claim, SECU has still reported a derogatory mark on my credit report. This is both inaccurate and unjust, as it suggests I owe a deficiency when, in fact, the vehicles value was fully recovered through both sources.

In addition, SECU did not follow the legal requirements outlined by North Carolinas Repossession Uniform Commercial Code ( UCC ) after the repossession of the vehicle. If the vehicle was repossessed, as it appears on my credit report, I must be informed why I never received any legally required notices, including : 1. Notice of the repossession prior to the sale, 2. Notice of intent to sell the vehicle at a public auction or private sale, 3. Notice of the deficiency balance after the vehicle was sold at auction.

Under oath, I affirm that I never received these mandatory documents prior to the alleged sale of the vehicle, which is a clear violation of North Carolinas Repossession UCC. It is mandatory to provide these notices, and without receiving anything commercially reasonable prior to the sale, I have no way of knowing whether the charged-off balance is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: IL

Complaint narrative:
I obtained an copy of my credit report noticing that there are several errors being reported from the credit bureaus requested signatures, original application or any documentation stating that this belong to me and the companies never confirmed the documents. Therefore, I would like you removed from my credit profile immediately. 

XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: IL

Complaint narrative:
I obtained an copy of my credit report noticing that there are several errors being reported from the credit bureaus requested signatures, original application or any documentation stating that this belong to me and the companies never confirmed the documents. Therefore, I would like you removed from my credit profile immediately. 

XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXXnauthorized XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company 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 2024-10-03 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-10-03 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: TX

Complaint narrative:
I am rewriting to formally refile a complaint against EQUIFAX regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. Upon reviewing my EQUIFAX credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting EQUIFAX directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report number XXXX. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my EQUIFAX credit report. Additionally, I seek written confirmation from EQUIFAX once these accounts have been corrected. I also ask the CFPB to investigate EQUIFAX handling of my dispute and its adherence to FCRA and CFPB rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Huntington Debt Holding LLC
State: CA

Complaint narrative:
On or around XX/XX/XXXX I notice that Check XXXX XXXX was taking money form my checking account. I previously has a loan with XXXX XXXX XXXX so i went to their office in XXXX California to inquire as to why money was still being drawn from my checking account since the loan had been satisfied. I was informed by the store XXXX that they had an employee who took numerous loans in the name of various customers and that we would not be responsible to pay that loan back and the money that was withdrawn from our account was returned and I also changed my checking account number on XX/XX/XXXX. I was not asked for nor contacted regarding any repayment of this loan until I received a letter from XXXX XXXX XXXX XXXX XXXX on XXXX. This is beyond the allowed time for requesting payment per the legal statute of limitations. In addition, the account reads as a medical account on my credit report. I need this report removed from my credit report from all three major credit reporting agencies and all attempts to collect this debt be stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal addresses incorrect. 

I looked at my Transunion credit report On XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( i ) ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information : ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promply notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681 ( s ) -2 they are suppose to 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 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Comerica
State: NY

Complaint narrative:
I have try to get my ssi from XXXX XXXX  unfortunately direct express dont want to give me my ssi money i have made over 10 calls lasted more than 2 hrs on my friends cell now i dont have the money to pay my rent i cant pay my cell bill cause i dont have the money to put on my bill plus i have to pay XXXX XXXX XXXX direct express never send me a new card plus the agent takes a very long tome i have XXXX  appoiments and so much more the problem is with my landlord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX after court order. plus i use it to buy food even if i get XXXX XXXX i also try over 8 atm nothing please note that my cell is off i cant recieve no calls only email at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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