vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 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 disputed more than five times XXXX XXXX and XXXX XXXX  I stated Im a victim of the XXXX XXXX breach my personal information was compromised I sent in police report ftc report id social and proof of address , and nothing changed got a letter stating information accurate account remains on 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 2024-01-21 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:
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I originally purchased my car through US Auto Sales in XXXX of XXXX. In XXXX of XXXX if XXXX not mistaken US Auto Sales filed bankrupt and my loan was sold to a company called Westlake Portfolio Management which is a debt collector. Me being new to this happening and not really knowing or trying to research more into it I was paying this company my money. I was making on time payments in which I was receiving billing statements that reflected an amount due that was more than my payments due bi weekly, which were {$190.00}. I missed 2 payments and was charged late fees that was clearly outlined when I created the account that they did not charge late fees. I am also being charged an insufficient fund fee of {$150.00} and Im not fully understanding that at all. I just recently made a payment of {$200.00} on XX/XX/XXXX a week later I was notified that immediate action was required on my account although I was making payments on the account. Now I owe over {$1000.00} which includes my next bi weekly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: FL

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 2024-01-21 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: U.S. BANCORP
State: NM

Complaint narrative:
I am writing to file a formal complaint against the following companies for what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in investigating and addressing this matter. 

Under the FCRA, specifically 15 USC 1681 Section 602, I am entitled to privacy concerning my credit information. I have reason to believe that this creditor has violated this right by disclosing my credit information without proper authorization. 

Furthermore, in accordance with 15 USC 1681 Section 604 ( a ), Section 2, a creditor is prohibited from furnishing information regarding my account without obtaining my written permission. I have not provided written permission to this creditor for the disclosure of my credit information, and I believe they have acted in violation of this provision. 

Additionally, I would like to draw attention to 15 USCS 1666b, which states that a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. This creditor has incorrectly reported a late payment, I request an investigation into this matter. 

I kindly request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action against them if it is determined that they have violated the FCRA. I also request that any inaccuracies in my credit report resulting from this violation be corrected promptly. 

Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2024-01-21 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: FL

Complaint narrative:
15 U.S. Code 1681a - Definitions ; rules of construction STATES ( 2 ) ExcLUsloNS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( A ) subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report, XXXX XXXX XXXX you're supposed to put my payment status is paid in full. The status of my account is supposed to be paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: CA

Complaint narrative:
I have made several attempts to correct this inaccurate reporting with no success. I would like to opt out of the following reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am invoking The Privacy act of 1974, Fair Credit Reporting Act and FERPA because XXXX, XXXX, and Transunion are not maintaining reasonable procedures to insure accuracy of the information they report. I am opting out of these reporting services.

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 2024-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
This complaint is against USAA re : an RV Loan. I made auto bill pay pmts [ {$270.00} - XXXX, XXXX & XX/XX/2023 ] through XXXX Bank, pmts were cashed by USAA, then pmts were re-deposited back into my acct. I was not contacted to let me know of any problem and was not aware of this until end of XX/XX/2023. Also, on XX/XX/2023, I made a telephone transfer of {$1000.00} to my checking acct with USAA, but they applied it to the principal of the loan. I repeatedly tried to call them, but they wouldn't take my calls, because they would try to send me a " secure '' number thru my text, but I repeatedly told them I couldn't receive texts while talking on the phone [ I have a flip phone ]. I am talking about XXXX calls from XXXX thru XX/XX/2023. Now they have started a repossession procedure. XX/XX/2023, I made a pmt. XX/XX/2023 I spoke to a woman who said she would listen to the phone call I made saying how I wanted the {$1000.00} applied and she would send the pmt situation to their legal dept. That was over a month ago and I have received no word as to what is happening. I have not made the XXXX nor the XXXX pmt because I don ; t know what is happening to me and I do not know when I will be homeless. The XXXX pmts are in my savings acct in case I need to catch up, that is if they will allow the # XXXX to go into my checking acct whereby I will be able to make up the back pmts. I want all penalties and extra taken off also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: CA

Complaint narrative:
I have made several attempts to correct this inaccurate reporting with no success. I would like to opt out of the following reporting agencies : XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX. 

I am invoking The Privacy act of 1974, Fair Credit Reporting Act and FERPA because Equifax, XXXX, and XXXX are not maintaining reasonable procedures to insure accuracy of the information they report. I am opting out of these reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: CA

Complaint narrative:
I have made several attempts to correct this inaccurate reporting with no success. I would like to opt out of the following reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I am invoking The Privacy act of 1974, Fair Credit Reporting Act and FERPA because XXXX, Experian, and XXXX are not maintaining reasonable procedures to insure accuracy of the information they report. I am opting out of these reporting services.

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 2024-01-21 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: VA

Complaint narrative:
all the inquires below were the result of fraud and was not authorized by me and needs to be removed from my credit file 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 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 non-monetary relief
Consumer complaint received 2024-01-21 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
This company is maliciously messing up my credit report over and over again theyre leaving a balance and I paid this XXXX this is supposed to be getting removed as well and I have gotten a lawyer and Im taking them to court, this is paid in full. Every time I dispute it they lie and say I never paid it, and they keep derogatory reporting information, and the balance still says, and paid as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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:
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. 
Account 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 These inaccurate are stopping me from being able to buy a house or get a car to provide for my family these were accounts were not authorized by me.

15 U.S.C 1681 Section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 A : it also states that a consumer reporting agency can not furnish a account without my written instructions.

No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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:
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. 
Account 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  These inaccurate are stopping me from being able to buy a house or get a car to provide for my family these were accounts were not authorized by me.

15 U.S.C 1681 Section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 A : it also states that a consumer reporting agency can not furnish a account without my written instructions.

No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.

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 2024-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Lobel financial has been falsely reporting missed payments to my creditors and flagged it for repossessions. I have never had any contract with this company, nor have I had any car or auto loan from this company. The company refuses to provide me with any documentation or information thats has my signature. I am a victim of identity theft this is hurting my credit report I'm not able to get a home or anything with this false account. According to the FCRA all accounts must be legally verified or removed. A police report was filed when I found out about the fraud account and it has still not been removed from my credit they are still reporting falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: VA

Complaint narrative:
all the inquires below were the result of fraud and was not authorized by me and needs to be removed from my credit file 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 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 2024-01-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
all the inquires below were the result of fraud and was not authorized by me and needs to be removed from my credit file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company is maliciously messing up my credit report over and over again theyre leaving a balance and I paid this XXXX this is supposed to be getting removed as well and I have gotten a lawyer and Im taking them to court, this is paid in full. Every time I dispute it they lie and say I never paid it, and they keep derogatory reporting information, and the balance still says, and paid as of XX/XX/2023.

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 2024-01-21 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: FL

Complaint narrative:
15 U.S. Code 1681a - Definitions ; rules of construction STATES ( 2 ) ExcLUsloNS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( A ) subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report, XXXX XXXX XXXX you're supposed to put my payment status is paid in full. The status of my account is supposed to be paid in full.

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S. Code 1681a - Definitions ; rules of construction STATES ( 2 ) ExcLUsloNS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( A ) subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report, XXXX XXXX XXXX you're supposed to put my payment status is paid in full. The status of my account is supposed to be paid in full.

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