vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und 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 consumer report which violates my rights as a federal 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 explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My wallet was stolen from my car, and the individual who took it attempted to use my personal information to purchase jewelry and other items. This led to a hard inquiry on my credit report, which negatively impacted my credit score. I also received notifications from my XXXX XXXX  app stating that my personal information has been leaked on the dark web. As a result, I am facing challenges in obtaining a good credit limit.

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 2024-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
on the XXXX of XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VIN : XXXX from XXXX XXXX XXXX of XXXX colorado with Navy Federal Credit Union as the finance institution. I was tricked into buying more than I wanted or needed, and was also mis led as to what I was to be paying, all along thinking that I was getting an amazing deal because I was being tricked, and intentionally lied to in order for the dealership to continue to stuff their pockets with my money, and then hand me off to Navy Federal Credit Union ( NFCU hereafter ) so that they could do the same.all the while both the dealership and NFCU were completely enthralled in securities fraud, UCC, USC, UCCC, TILA< and CFR violations. Not once was I ever explained anything about my rights as a consumer, NFCU signed my electronic signature on a contract that I wasn't even aware of the day of the sale and then said I signed it on the XXXX of XXXX when the contract is clearly dated on the XXXX of XXXX ( screenshots included ) I have also sent via USPS registered / certified Mail multiple presentments to NFCU regarding the gross law violations, my personal rights violations, a notice of intent to rescind letter, a NOTARIZED Affidavit of truth, revocation of power of attorney, and even including a follow-up email to upper management of NFCU, the lending department, auto loans department, title department all of which required a signature upon delivery which I have received back. and still I have not heard a word from NFCU. " An un-rebutted affidavit stands as truth in commerce '' And " An un-rebutted affidavit stands as judgement in commerce '' 10 Maxims of law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kinum, Inc., Indianapolis, IN Branch
State: MI

Complaint narrative:
Both of these fit my issue with Kinum 's  agent XXXX XXXX ( VA location ) She Used obscene, profane, or other abusive language over the phone and after I told her to stop contacting me she continued to do so. 



I am writing to formally complain about XXXX XXXX ( VA location ) and her unprofessional, shocking, and downright appalling behavior during our recent phone and email interactions. She represents your company, Kinum, in the most unprofessional and disrespectful way imaginable. Her actions have left me angry, frustrated, and utterly shocked. 

During our interactions, she mocked my employment status, made inappropriate comments, and even threatened me by referencing my full address in an email, asking, Is this you? She also mentioned that Kinum has my full address, birthday, and Social Security number, which came across as a clear intimidation tactic. Such conduct is beyond unacceptableits outrageous and unethical. 

I demand that all communications, including calls and emails, be reviewed to confirm her behavior. Her remarks about how I pay my rent and her sarcasmsuch as saying, Seems like you dont have a car or a job. Stay warmI bet its cold out thereare insulting, degrading, and completely uncalled for. This is not how a customer or anyone should be treated, especially by someone acting on behalf of a professional organization.

This kind of behavior is a disgrace to your companys reputation, and I urge you to take immediate and decisive action. I expect a full investigation into this matter and appropriate disciplinary measures to ensure that no other customer experiences such mistreatment. I can not believe a company like Kinum allows this type of conduct from its employees. 

Please know that I am taking this matter very seriously and will be following up daily until I receive confirmation that this has been fully addressed and resolved. I will also be exploring all other avenues, including filing complaints with the CFPB, FTC, and my state attorney general, if I do not receive a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: NY

Complaint narrative:
I have been contacted by several debt collectors attempting to collect a debt that is not owe to them. When asked to provide proof and validation of debt, they were unable to.

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 2024-12-08 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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am curently on a forebearance and I have been alerted to some fraudulent activity surrounding the purchase of my home. While reviewing my loan disclosure and the TILA I noticed that mortgage loan was miscalculated and the amount financed should have been {$280000.00} but I was financed at {$280000.00}. I also noticed various other TILA violations that I brought to their attention such as escrow payments and appraisal value being inflated and the appraisal is invalid because I was told I would get an in person appraisal but it was performed virtually. I was not given 3 days to review my closing disclosure so I was unable to catch the errors. I recieved my closing documents on XXXX and I closed on XXXX. I even questioned walking away from the loan on closing day because they miscalculated closing cost and asked me to go get some additional funds, and when I called my mortgage broker I was misinformed and I was never told that I had the right to rescind. The seller paid the additional funds on my behalf and that amount is also not documented. I still closed on the XXXX and I was not give the 3 days prior to closing and I was not given an additional 3 days after changes had to be made to the funding or cost to close. 

I sent an letter to the escalalations department on XX/XX/year> and I have not heard from them. I have a forbearance that ended on the XXXX and I tried to wait to hear from the escalation department about the corrections but after I did not hear from them I turned in my modification application. As of today I still have not heard from either department. 

This does not outline all the errors but I have attached the letter that was sent to the escalations department along with a copy of the closing disclosure.

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Original creditor is XXXX XXXX XXXX  The debt now belongs to National Credit System I have been a victim of identity theft this account is not mine and I have no knowledge of this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I have no knowledge at all of this account and it does not belong to me! I have been a victim of identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MA

Complaint narrative:
There have been XXXX separate incidents that Chime Bank otherwise know XXXX, XXXX, XXXX, XXXX 2024 my account has been liquidate by a person XXXX XXXX. I have no idea who this person is and why they are on my bank account! I have been left without any money for XXXX months. I'm XXXX and I have a head injury, I rely on the money to be there and Chime Bank is a joke and I have filed XXXX separate disputes, and I have been denied my money back. How do you do that to a XXXX person who has had XXXX surgeries, a head injury and been a victim of fraud and survivor of XXXX, a house fire on XXXX XXXX with XXXX stepchildren?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I, XXXX XXXX XXXX, declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
XXXX XXXX XXXX : # XXXX : Balance : {$1500.00} ; Opened Date : XX/XX/XXXXXXXX XXXX XXXX XXXX : # XXXX : Balance : {$880.00} : Opened Date : XX/XX/XXXXXXXX  Hard Inquiries : XXXX XXXX XXXX XXXX ( Inquiry : XX/XX/XXXXXXXX  & XX/XX/XXXXXXXX  ) Model Finance ( Inquiry : XX/XX/XXXX ) XXXX XXXX ( Inquiry : XX/XX/XXXX ) XXXX  XXXX ( Inquiry : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXXXXXX  ) XXXX  ( Inquiry : XXXX XXXX, XXXX ) XXXX XXXX  ( Inquiry : XXXX XXXX, XXXX ) XXXX XXXX  ( Inquiry : XXXX XXXX, XXXX ) XXXX  XXXX ( Inquiry : XXXX XXXX, XXXX ) XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX XXXXXXXX ( Inquiry Date : XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX  ( Inquiry Date : XX/XX/XXXXXXXX  ) It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. The fraudulent information has impacted my credit report, causing considerable XXXX  stress. I request assistance in investigating this matter and taking the necessary steps to resolve it promptly. Please inform me of any actions required on my part in response to this dispute. I am aware of my rights under federal laws relating to credit reporting and identity theft. Failure to act in accordance with legal obligations will force me to get an attorney.

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 2024-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: LOBEL FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am filing this complaint because Lobel Financial is illegally reporting an increasing balance on a closed repossession account, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The account in question is : Creditor/Collection Agency Name : Lobel Financial Date the Account Was Closed : XX/XX/year>XXXX  According to 15 U.S. Code 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report. However, this account, which has been closed is still being reported with an increasing balance. Since the account is closed, no additional fees, interest, or charges should be applied. This is a clear violation of 15 U.S. Code 1681e ( b ), as the balance is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The following companies said I applied for credit and I have not and its ( fraud. ) XX/XX/year> ALLY FINANCIAL ALLY FINANCIAL, 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  ALLY FINANCIAL ALLY FINANCIAL, 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/year> ALLY FINANCIAL ALLY FINANCIAL, 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und 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 consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries 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 explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello all, please see supporting correspondence for my complaint

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