vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Relay Financial (US), Corp.
State: TX

Complaint narrative:
My two Relay Financial accounts were closed for no reason. I want to warn potential business owners about this bank. Relay Financial Bank is not a bank. They do not have customer support let alone anyone that can assist with any problem that occurs. On XX/XX/XXXX we had a bounced check from a customer in our XXXXXXXX XXXX XXXX We explained and gave them proof of what happened. Our account was reactivated on XX/XX/XXXX by rep XXXX XXXX. I signed in XXXX after then. But on XXXX XXXX I had trouble logging in. I tried logging in after XXXX XXXX and tried calling support for help. There hours are XXXXXXXX EST. I called the next day and they stated it would have to be escalated to fix the login issue. The error message I got was I tried logging in too many times. The login is automatically saved to my laptop and the password is already saved. I tried logging in twice and I was told to call in since I could not set my password myself. Since then I have waited and called in for weeks to find out whats going in my account. It is very difficult to get anyone on the phone at this supposed bank. Finally I got a helpful woman on XX/XX/XXXX. She apologized and stated this would be escalated. The next day I got an email stating my account was closed. No reasons as to why. So I called again and they said they would try and get someone to help. Today XX/XX/XXXX we are still expecting a deposit from our XXXX XXXX XXXX  connect who has paid us since XX/XX/XXXX. Only to find out our second account was closed. This company is not a bank. They are posing as a bank.Today is XX/XX/XXXX and our deposit has been blocked which will delay time in paying our workers right before XXXX. I have 3 transactions that I have disputed on my second account. I had to dispute it with XXXX  because this company is not a bank. I do not know what they are. But a scam. Avoid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to bring to your attention a matter regarding late payments on my credit report that resulted from an unfortunate and unforeseen circumstance. I am seeking your assistance in rectifying this situation. In XXXX XXXX, I encountered a significant life event that impacted my ability to manage my financial obligations. I was involved in a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. During this challenging period, I regrettably overlooked the timely setup of payments for my account. As a result, XXXX consecutive months ' payments were missed, and the creditor reported these instances as late payments to the credit bureaus. I understand the importance of maintaining a positive credit history, and I have consistently strived to fulfill my financial responsibilities in a timely manner. Prior to this incident, my payment record with was unblemished, with no missed payments.

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 2023-12-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Equifax is keeping items on my account even though I have disputed these and also these are older than 7 years. Information and disputed items are not correct about me and affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: Rent Recovery Solutions
State: NJ

Complaint narrative:
I am actively challenging the validity of this alleged eviction you have listed on my consumer report. In the recent months, I have challenged this same account with the credit reporting agencies and they came back stating that they have verified this alleged account with ( XXXX XXXX XXXX ** ). 
To my complete and unbiased knowledge ( XXXX XXXX * ) has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me pursuant 15 U.S.C . 1681. Having the understanding and position, I am requesting that you forward me any supporting or justifying documents you have on my file allowing you to report this alleged eviction. 
I am expecting a response from you within 14 days from the date you receive this letter. If said documents can not be produced, please delete this eviction from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Im a victim of identity theft. I became aware of this after receiving various notifications from the social security office informing me that I owe money. I decided to let my daughter know about the issue and request her assistance to help me find out what's going on. She recommended me to pull my credit report so I can review it for any fraudulent activity. Unfortunately, I did find fraudulent activity. Among the activity there is an auto loan with Westlake Service Inc. I reached out to them and provided the required documentation to them in two occasions. The first letter with enclosures was dated XX/XX/ ( see attachments ; Westlake_Letter1 and USPS_receipt_Westlake_letter1 ) and the second letter was dated XX/XX/XXXX XXXX XXXX  ( see attachments ; Westlake_Letter2_Frontpage, Westlake_Letter2_signedpage, and USPS_receipt_Westlake_letter2 ). I did not receive any response from Westlake that meet the timeline outline in FCRA 609 ( e ). Just last week I received a letter from them ( attachment ; Westlake_Letter_DatedXXXX  ) requesting the same and/or similar documents that I previously provided to them in the other two occasion. I am confused on why they are asking me for information that I already provided and paid priory mail to ensure that they received it. The Westlake letter was post marked on XXXX XXXX XXXX attachment ; Westlake_Envelope ) but I didnt receive it until last week. Additionally, they want a response with supporting documentation within 30 days from the date of the letter XXXX XXXX XXXX XXXX I am beyond words on why they are playing circles with me. I have exhausted multiple hours and money to resolve this issue with them. Furthermore, the letter they send me has contradicting information. The last paragraph of the letter states, contact me directly XXXX XXXX XXXX XXXX XXXX XXXX XXXX But the closing of the letter end with a XXXX XXXX. Two different individuals and not a single one outlines their position with Westlake. I believe this company is in violation of FCRA 609 ( e ) and possibly more. They are the ones that owe me and the current investigating officer the requested documentation that was stated in the second letter. This is why I am submitting a complaint with Consumer Financial Protection Bureau.

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 2023-12-21 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: 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.

has violated my rights. Or a list of inquiries : 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On XX/XX/XXXX I had a hard inquiry removed off my TransUnion credit report instead of my credit score going up it went down XXXX points. From XXXX to XXXX I want a real investigation.This is not the first time that happened, the other 2 credit bureaus have done the same with credit reporting. I feel there should be a investigation done of the past two years on all three bureaus before I have to get a lawyer. In past two years I have sent police reports of being a victim of identity theft keep telling me they never received them when I sent them certified mail to be signed. All the credit cards on my reports that's showing negative aren't mines and I need them off my credit report ASAP because I am tired of playing with them. The credit bureaus is designed to keep XXXX American People at certain score level and I can prove it.

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 2023-12-21 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: MOHELA
State: GA

Complaint narrative:
I filed a complaint and dispute with Mohela Student loan servicer requesting they remove inaccurate reporting on my credit profile. Mohela continues to report erroneous late payments on my credit report that is causing my financial reputation to be negatively impacted and its lowering my credit score making it impossible for me to be approved for any type of credit. 
The errors that are being reported are as follows : 1 ) XX/XX/2019 is reported as 90 days late and this must be incorrect because the two months preceding XX/XX/2019 which are XX/XX/2019 and XX/XX/2019 are showing as paid on time. If the prior two months are paid on time, XX/XX/2019 can not suddenly become 90 days late. I demand my credit profile be updated to reflect that I was never late. 

XXXX ) XX/XX/2019, XX/XX/2019 and XX/XX/2019 are being reported by Mohela as 90, 120 and 150 days late accordingly. However, the two months preceding XX/XX/2019 which would be XX/XX/2019 and XX/XX/2019 are reported as paid on time. If XXXX and XX/XX/2019 were paid n tune, then it is impossible for XX/XX/2019 and XX/XX/2019 and XX/XX/2019 to be late because XXXX, XXXX and 150 days did not pass. You can not be 120 days late and on time for the preceding XXXX and 60 days. This is inaccurate and I demand my credit report be updated to show never late for XXXX, XXXX and XX/XX/2019. 

I demand Mohela update this account information even though it has been refinanced because it is still reporting on my credit profile as late and is dragging my credit score causing it to be low and ineligible for extensions of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: VA

Complaint narrative:
The car we had was a lemon and the car was still sold for over {$4000.00}, the rest of the amount was a charge off. they are constantly calling. even on Sundays. three or more times a day.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
This debt is over five years old and should be removed from my credit report. Oklahoma statue of limitation for contractual debt is five years, and I reside in the state of Oklahoma. My last date of activity for my XXXX XXXX account is XX/XX/XXXX, but LVNV has inaccurately reported the date of XX/XX/XXXX. I asked for documentation from LVNV due to the inaccurate information and documents supplied from them confirm my last date of activity for XXXX XXXX was indeed XX/XX/XXXX. I have also filled a motion to dismiss in XXXX XXXX court due to LVNV inaccurately reporting the last date of activity, and removal on my credit report. XXXX removed LVNV from my credit report, but XXXX refused to saying that LVNV said the information is correct. I even gave XXXX the documents from LVNV showing that the dates are incorrect and that the restarted my date of debt that is now outside of the statues of limitation. XXXX told me there was nothing that could do even when I called them over the phone regarding the dispute. LVNV has been sued several times for restating the debt on consumers credit report and continues to do the same today. Attached are the statements from LVNV showing that the debt is over five years old and in the state of Oklahoma is no longer within statues to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Not only did you try to fix the issues at hand but you sent the information to an address I havent lived at in 7 years and if you did the due diligence you would see that that is no longer my address or even the address on my license is not that one either. This is what I am saying about my information that you have is all incorrect and needs to be updated like I have in your website long ago to tell you and the agent I spoke with that those addresses need to be deleted. And had not my old landlord tenants not turn this in to him I would have never gotten these letters to know whats going on. There is only one me and those extra names is people who used my name and so this is crazy for you to be reporting information and its false information and it prevents a person from fair credit reporting

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 2023-12-21 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not accurate. 

XXXX XXXX I was never late on this account, please update this on my report XXXX XXXX XXXX XXXX This doesn't belong to me INQUIRIES 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 2023-12-21 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not accurate. 

XXXX XXXX I was never late on this account, please update this on my report XXXX XXXX XXXX XXXX This doesn't belong to me INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: EQUIFAX, INC.
State: CA

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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-12-21 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:
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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-12-21 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: VA

Complaint narrative:
My credit report is missing all of the accounts and history that it should have on it. My credit report should have approximately 64 accounts on it, dating back almost 15 years. I logged in on XX/XX/2023 and found that no reports are listed and I have almost no credit history whatsoever. 

I should have my credit history showing all of my credit cards, student loans, mortgages, auto loans, and personal loans.

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 2023-12-21 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: EQUIFAX, 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 confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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