vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Re : Debt Dispute - Violation of 15 U.S.C. 1692c XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX Accounts XXXX XXXX / Account number XXXX XX/XX/XXXX/ Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX I am writing to formally dispute the debt listed under the account numbers listed above, that you are attempting to collect on. Under 15 U.S.C. 1692c, the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease and desist from communicating with me about this alleged debt via any means, including but not limited to phone calls, mail, or electronic communication.

I believe this debt may be inaccurate or otherwise not mine, and I request verification of the debt, including documentation proving that I owe the debt and the correct amount, as outlined in 15 U.S.C. 1692g ( a ).

Additionally, under 15 U.S.C. 1692c ( c ), once a consumer has notified a debt collector in writing to cease communication, they are prohibited from continuing to contact the consumer, except under specific circumstances. Therefore, I expect no further communications from you unless you are providing me with the required verification documents as requested. 



Please note that if you do not comply with these regulations or continue to attempt to collect on this debt without providing verification, I will consider pursuing further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General office. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Re : Debt Dispute - Violation of 15 U.S.C. 1692c XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX Accounts XX/XX/LVNVFUNDING / Account number XXXX XX/XX/XXXX/ Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX I am writing to formally dispute the debt listed under the account numbers listed above, that you are attempting to collect on. Under 15 U.S.C. 1692c, the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease and desist from communicating with me about this alleged debt via any means, including but not limited to phone calls, mail, or electronic communication.

I believe this debt may be inaccurate or otherwise not mine, and I request verification of the debt, including documentation proving that I owe the debt and the correct amount, as outlined in 15 U.S.C. 1692g ( a ).

Additionally, under 15 U.S.C. 1692c ( c ), once a consumer has notified a debt collector in writing to cease communication, they are prohibited from continuing to contact the consumer, except under specific circumstances. Therefore, I expect no further communications from you unless you are providing me with the required verification documents as requested. 



Please note that if you do not comply with these regulations or continue to attempt to collect on this debt without providing verification, I will consider pursuing further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General office. 



Thank you for your prompt attention to this matter. 



Sincerely, 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 2025-01-07 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: GA

Complaint narrative:
XXXX, Transunion, and XXXX are reporting inaccurate information on my credit profile.

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 2025-01-07 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:
XXXX, XXXX, and Equifax are reporting inaccurate information on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i looked at my credit report and saw multiple errors or information that did not belong to me i reached out to the company multiple times saying that bis a violation of the fcra to have unauthorized and innacurate information on a consumer report i would like for all the information to be removed immediately addresses and phone numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I recently pulled my created report and found accounts I have no clue about. One in the sum of {$2300.00}. I do not recall I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
on XX/XX/year> there was an attempt to debit {$98.00} from my Navy Federal Checking account. It was unsuccessful due to me having used the funds to pay bills. No money was paid to them. Navy Federal charged me {$29.00} and did not even cover the transaction. I called Navy Federal on XX/XX/year> and was told that anytime I give someone my routing and account number and there is not enough money to cover I will be charged {$29.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
Dear Western Union, Since you guys only reply to me when I file complaints here or through CFPB, I have decided to begin a lawsuit in New York Civil Court. Papers are being prepared to be served on your Colorado HQ as you read this. This is your last chance to come clean about several inconsistencies I have found with your company. 

XXXX ) On XX/XX/year> I had money stolen through wire fraud without my authorization. When I called your company on this day, the call kept dropping. When I e-mailed your company, you guys stopped answering e-mails.

What do you have to say for yourselves about your company being unreachable by phone/e-mail? 

XXXX ) Before the call dropped, one of your employees told me the location where this happened was " XXXX XXXX '' which is like saying " this happened in New York City. '' when I ask which exact branch this occurred in so XXXX Authorities can investigate further, your company had no information, ignored my e-mails/kept hanging up the calls.

What kind of company doesn't know how to track unethical practices happening at one of their branches?

What do you have to say for yourselves about your company giving customers inaccurate information? 

XXXX ) You FINALLY answered me after I kept writing bad reviews on trustpilot and filing complaints with CFPB. You told me to get a subpoena if I wanted more information about how your company allowed money to be stolen from me by one of your employees. You told me to send the subpoena here : Western Union Financial Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have posted this publicly so the next time one of the hackers at your company steals money from another innocent person, they can reference this bad review and know where to serve legal papers. There better not be any surprises like " Actually this isn't the right address ... '' because you guys don't answer e-mails, so I would've never got the right address unless I wrote another bad review in order to get you to respond to this.

You're a bank. Your company makes millions of dollars. Have fun paying a lawyer thousands of dollars to appear in a New York City courthouse while you try to explain to a judge why you shouldn't have to payback one of your most loyal customers
{$1000.00} for money that was stolen from one of your employees. Your company is going to spend 10x the amount that was stolen from me on attorney fees.

Even if the judge rules in your favor, I'll finally be able to sleep happily at night knowing I made your company waste time and lose even more money than you guys stole from me : )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NC

Complaint narrative:
I am a victim of identity theft. There are several accounts and inquiries that I didnt authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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 writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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 writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NC

Complaint narrative:
I am a victim of identity theft. There are several credit accounts on my credit reports that I didnt authorize or belong to me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: NC

Complaint narrative:
I am a victim of identity theft. There are several credit accounts on my credit reports that I didnt authorize or 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 explanation
Consumer complaint received 2025-01-07 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: MS

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: OH

Complaint narrative:
I, XXXX XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off with my WRITTEN consent. Please delete these items listed below IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: OH

Complaint narrative:
I, XXXX XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off with my WRITTEN consent. Please delete these items listed below IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. 

Thank you, 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 2025-01-07 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to urgently request your intervention in resolving a prolonged and frustrating issue with Chrysler Capital regarding their failure to provide the lien release letter for my Jeep. I paid off my loan in full in XX/XX/year>, but despite nearly a year of constant communication and assurances, Chrysler Capital has yet to deliver the lien release letter I need to clear my title through the XXXX XXXX XXXX XXXX 

Since XXXX, I have contacted Chrysler Capital weekly. Every time, their representatives promise the lien release letter will be sent and ask me to wait another week. Yet, nothing has been deliveredneither to my email nor my physical address. Each call results in new promises, but no action is taken. I have been misled repeatedly, and their inaction has made it impossible for me to sell my vehicle. 

This delay has caused significant financial and emotional stress. The lien release letter is a crucial document that Chrysler Capital is legally obligated to provide, yet their continued failure to do so has left me with no option but to seek your immediate assistance.

I am requesting the CFPB to take urgent action to ensure Chrysler Capital delivers the lien release letter without further delay. I have proof of payment, records of my phone calls with them, and prior correspondence, all of which I am prepared to submit to support this complaint.

This issue has persisted for far too long, and their inaction is unjustifiable. I need this matter resolved immediately so I can clear my title and move forward.

Thank you for your time and attention. Please let me know if additional documentation is needed to assist in expediting this process. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including XXXX XXXX and XXXX XXXX XXXX. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation