vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I received a email on XX/XX/XXXX from Westlake Portfolio Management about a car I got on XX/XX/XXXX, I asked Westlake if they had any of the orignal documents from Us Auto Sales also known as USASF and if they had the amount they sold the car for at auction but they said they didn't have either of the documents. I explained to them that I voluntarily repossession for the car and never recived anything from Us Auto Sales about how much they sold the car for. I was told to call them or go by there office but all of the Us Auto Sales are closed down so no one is in the offices at all and when you call the number to Us Auto Sales it redirects there number back to Westlake Portfolio Management. They were wanting me to get receipts on where I paid but because Us Auto isn't open anymore there website don't allow you to login to get them. The person at Westlake Portfolio Management was acting like they were wanting me to pay, because the lady said if I didn't pay they were going to put it on my credit, and I advised them that USASF had a law suite . Us Auto Sales never done what they were suppose to because when I and my Husband signed the paper work we were told that we would be paying a little more to have a warranty on my car. From day one we had issues and lots more after that, the shops they have you go to didnt even look like they are certified to be doing work on cars, and we had aproblem with the car where it was a hazard to be drove on the road and I advised Us Auto about this but they didn't want to send the info they were supose to in order for you to go to a shop to get it fixed. So due to me having medical issues my husband called the toll free number for Us Auto but it went to the company that was taking payments and my husband had to call them for over a week for some one to come and get the car because it wasn't doing us no good, and Us Auto never gave I or my husband a paper for us to sign because we voluntary gave the car back because from what I was told was they were closed already. The amount Westlake Portfolio Managementare saying I owe is {$14000.00} but would take {$2800.00}.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
EXPERIAN is obligated under the FCRA to ensure the accuracy of the information reported on my credit file, yet they have failed in this respect. They have inaccurately reported a late payment associated with my XX/XX/XXXXXXXX account ending in XXXX, which is a clear deviation from the truth. The record indicates a 30-day late payment in XX/XX/2019, an assertion that is both incorrect and should be amended to reflect the status of PAID AS AGREED. 

Moreover, according to 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report should not include information that pertains exclusively to transactions or experiences between the consumer and the reporting entity. The inclusion of these late payments is a direct violation of this provision, infringing upon my federally protected consumer rights.

I would also like to highlight that I never granted EXPERIAN explicit authorization to include these erroneous late payments in my consumer report, constituting a breach of 15 U.S.C 1681b ( a ) ( 2 ). It is evident that EXPERIANs actions are not only a violation of my rights under the FCRA but are also inflicting significant emotional distress and tarnishing my reputation, leading to discrimination.

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 2023-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX Account # : XXXX I have recently been informed that there is a negative claim on my consumer report reported by XXXX Account # : XXXX and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have {$200.00} Charge-Off with major inaccurate information and it is affecting my consumer report. This account is reporting inaccurate due to no reported monthly payment amount, the date open is inaccurate, the term duration is inaccurate, the high credit limit amount is inaccurate, the credit limit is inaccurate, the last reported date is inaccurate, and the last active & last payment date is inaccurate, and most importantly my DOB is reporting inaccurately. Therefore, I requested method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted from all 3 consumer reporting agencies report. Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

XXXX XXXX Mail 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 2023-10-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hi, On both dates XX/XX/XXXX and XX/XX/XXXX I received an email from XXXX saying Thanks for requesting a new credit card, also received an Hard inquiry on XX/XX/XXXX. This was NOT me requesting any credit cards. I immediately called XXXX at XXXX reported the following and they " solve it '' on there end and closed the account and send me some mail with a reference number saying that they apparently solve it. On XX/XX/XXXX I called XXXX, XXXX and XXXX to make sure that they can solve anything and to take out the hard inquiries out of my credit. They all told me that they were going to put a freeze for 1 year of fraud alert. But now today XX/XX/XXXX I received a other notification from XXXX XXXX notifying me of another hard inquiry from Capital One which I DID NOT request. I will be calling Capital One on XX/XX/XXXX to make sure this is not an problem again because I did not request anything with them today. I just want to get to the bottom of this because its getting to out of control in a small amount of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: 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. 

XXXX : # XXXX,XX/XX/XXXX : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : # XXXX XXXXXX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX ) : # XXXX,XX/XX/XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : XX/XX/ has violated my rights. 
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 2023-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Applied for SAVE student loan program 21 with Nelnet via phone as they stated there was an issue with my Studentaid.gov application. I submitted required documentation via the email they provided on XX/XX/XXXX. No response. After several failed attempts to contact Nelnet, I called and spoke to a representative on XX/XX/XXXX and they provided with a different way to submit my documentation. Even though the first email was legitimate and they had no idea why it wasnt received. Still awaiting approval. They put me in forebearance. Because I am switching from my previous IDR plan to SAVE, my outstanding interest is added to the loan I specifically applied in XXXX to avoid a large balance being added to my account. Due to Nelnets inability to process my application, I stand to have thousands added to my total balance. I did my part. I was timely. This is my debt going up and will impact my debt to income ratio due to their lack of accountability. I can not complain to nelnet as they are impossible to reach for that purpose ( calling results in disconnection when stating you are calling to file complaints ) and they respond to all emails with we are too overwhelmed, please call. This is such a mess and I am only losing even though I did exactly what I was supposed to. Thousands added to my loan because they just are too busy. Please do something. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX-Victorias Secret with bread financial & account number XXXX ) 1 ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
LVNV Funding Account # : XXXX /LVNV Funding LLC Account # : XXXX This account is being illegally reported on my credit report. I requested method of verification on this account. I have recently been informed that there is TWO negative claims reported by LVNV Funding Account # : XXXX XXXXLVNV Funding LLC Account # : XXXX for the SAME account on my consumer report and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have a {$260.00} Charge-Off on with major inaccurate information and it is affecting my report. How is this accurate if the term duration is inaccurate, no reported monthly payment amount, date opened is inaccurate, the account type is inaccurate, credit limit amount is inaccurate, past due amount is inaccurate, last reported date is inaccurate, last active & last payment date is inaccurate, and most importantly my DOB is reporting inaccurately. Therefore, I am now formally requesting method of verification according to the XXXX XXXX Compliance standards. Any automated response, or XXXX verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by LVNV. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

Certified Mail USPS Receipt # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I was approved and received a loan of {$450.00} being told over the phone that overall payment throughout the terms of the loan would {$450.00} plus {$120.00} in interest or around {$570.00}. I've since paid {$200.00}, plus two {$130.00} since. After calling them I was told I would still owe 5 additional bi-weekly {$130.00} plus {$20.00} after. Total amount of over {$1000.00} or 100 % over principal amount. Is this company legal in California? I realize now I never received a copy of my loan agreement or terms of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2023 I had received proof of service that a transfer fund from my wife had come into my bank. The bank provided proof of receipt and later remissed that proof and have not given me the funds " not found ''. The funds were published as complete on the end of XXXX pay.

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 2023-10-08 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: MD

Complaint narrative:
I am writing to dispute several hard inquiries ( 7 total ) that appear on my Equifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my Equifax report IMMEDIATELY, in accordance with my rights under the Fair Credit Reporting Act. Please see attached documents and info. 
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXXXXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX This account is being illegally reported on my credit report. I requested method of verification on this account. I have recently been informed that there is TWO negative claims reported by XXXX Funding Account # : XXXX XXXXXXXX XXXX XXXX  Account # : XXXX for the SAME account on my consumer report and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have a {$260.00} Charge-Off on with major inaccurate information and it is affecting my report. How is this accurate if the term duration is inaccurate, no reported monthly payment amount, date opened is inaccurate, the account type is inaccurate, credit limit amount is inaccurate, past due amount is inaccurate, last reported date is inaccurate, last active & last payment date is inaccurate, and most importantly my DOB is reporting inaccurately. Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

XXXX Mail XXXX Receipt # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Cetified Mail XXXX Receipt # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: OneMain Finance Corporation
State: FL

Complaint narrative:
After checking my credit reports I am writing a second time to inform these companies that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile. I also do not have any knowledge of these inquiries that have been unlawfully reported, no accounts or contracts are shown for these inquires as well. I have not initiated any transaction with the following accounts : ONEMAIN FINANCIAL ( Finance ) which have been reported twice without my consent. 
XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Furthermore, I do not have an account as defined. 
under 15 U.S.C. 1693a ( 2 ) with these company 's name for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: UT

Complaint narrative:
As of XX/XX/2023 Experian requested a copy of my address and government ID. Due to send my information by email Experian denies receiving mail consistently. I have submitted my information as proof. My complaint into Reference number XXXX THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C 16811 ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY. 1. 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 U.S.C 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I WILL FILE THIS AS FRAUDULENT WITHOUT KNOWLEDGE OR CONSENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX  Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX This account is being illegally reported on my credit report. I requested method of verification on this account. I have recently been informed that there is TWO negative claims reported by XXXXXXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX for the SAME account on my consumer report and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have a {$260.00} Charge-Off on with major inaccurate information and it is affecting my report. How is this accurate if the term duration is inaccurate, no reported monthly payment amount, date opened is inaccurate, the account type is inaccurate, credit limit amount is inaccurate, past due amount is inaccurate, last reported date is inaccurate, last active & last payment date is inaccurate, and most importantly my DOB is reporting inaccurately. Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

Certified Mail XXXX Receipt # 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 2023-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXXXXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX This account is being illegally reported on my credit report. I requested method of verification on this account. I have recently been informed that there is TWO negative claims reported by XXXXXXXX XXXX  Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX for the SAME account on my consumer report and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have a {$260.00} Charge-Off on with major inaccurate information and it is affecting my report. How is this accurate if the term duration is inaccurate, no reported monthly payment amount, date opened is inaccurate, the account type is inaccurate, credit limit amount is inaccurate, past due amount is inaccurate, last reported date is inaccurate, last active & last payment date is inaccurate, and most importantly my DOB is reporting inaccurately. Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 
Certified Mail XXXX Receipt # 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