vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: KY

Complaint narrative:
I was notified yesterday that I had multiple deroogatory payments with this comapny and it destroyed my credit. I have been on autopay for over a year with the original company Byte and since being switched to Westlake I have never gotten a notification about a late payment. I told them If a payment was missing, I would pay it but I need the derogatory accounts to be removed becauyse they had two of my payment methods on file which were supposed to be automatically charged. I had sufficient funds in both accounts during this period so the issue lies with Westlake and not me. 

This was on autopay yet I have gotten four 30 days late and one 60 days late frfom them on my sttement without any prior warning or notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: CA

Complaint narrative:
- I opened a bank account with Laurel Road Bank - After months of having only small deposits, I made a larger XXXX  deposit of XXXX XXXXXXXX on XX/XX/XXXX. 
- I XXXX  Laurel Road and found a litany of complaints on XXXX from users saying Laurel Road suddenly froze/canceled their account but did not return their money, or at that point, they had not received their funds returned. 
- On XX/XX/XXXX, I received a letter from Laurel Road stating they were " ending their relationship with me '' although there were no clear examples of why. 
- On XX/XX/XXXX I called their Customer Service, speaking to XXXX, about my case. I was told my account had been closed by them, and funds would be dispersed back to the original bank, but she could not give me a time frame, only that it wouldn't be " months or years. '' I asked for a copy of my transactions and was told she could not provide me that. I asked for my account number and she told me she could not provide that over the phone ( but they don't have brick and mortar locations ). I was told my originating bank could send an " ACH Return Letter '' to them to speed up the process, and that there was no other information I needed to include on the letter. 
- On XX/XX/XXXX I spoke with my originating, long-time bank, XXXX. They said they'd never heard of such letters, but did try to help me by attempting to dispute the transaction. 

Something is happening at XXXX XXXX, owned by Key Bank. Please look into this and help us get our money back! There are many others on XXXX saying they experienced the same thing with Laurel Road : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I have 2 loans with one main and they sold up products which do not work when trying to use them. A refund would be a good start toward making amends.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: PA

Complaint narrative:
Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report. XXXX XXXX  XX/XX/2024 Please remove the following address from my report : XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I traveled with an entertainment company from XXXX. While on tour my wallet was stolen, a report was made with the local authorities. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or opened. I contacted the Credit Reports Agencies in XX/XX/2023 and alerted them of the unknown accounts and requested verification. Furnishing accounts to my profile without my written consent or knowledge is in violation of 15 USC 1681B. 
I thoroughly investigated the accounts with XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX and they are not mine. Furnishing accounts due to identity theft violates my consumer rights specifically 15 USC 1681c-2, I also noticed credit inquiries from creditors : XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX. I have not made these request or am I familiar with the creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: GA

Complaint narrative:
I traveled with an entertainment company from XXXX. While on tour my wallet was stolen, a report was made with the local authorities. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or opened. I contacted the Credit Reports Agencies in XX/XX/2023 and alerted them of the unknown accounts and requested verification. Furnishing accounts to my profile without my written consent or knowledge is in violation of 15 USC 1681B. 
I thoroughly investigated the accounts with XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX and they are not mine. Furnishing accounts due to identity theft violates my consumer rights specifically 15 USC 1681c-2, I also noticed credit inquiries from creditors : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX. I have not made these request or am I familiar with the creditors.

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 2024-01-19 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: 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 rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion and XXXX to reinvestigate these accounts : XXXX FORMERLY XXXX : # XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX. 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 suppose to modify accounts that isnt reporting correctly.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2024-01-19 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: GA

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

I told the XXXX, XXXX and Equifax to reinvestigate these accounts : XXXX FORMERLY XXXX : # XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX : # XXXX. 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 suppose to modify accounts that isnt reporting correctly.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited a treasury warrant from the state of Texas into my Chase Bank account. The bank confirmed that these funds have been verified and paid. They did not release the standard amounts the first day or the second day. I have asked why they are holding the verified funds and they will not give an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: FL

Complaint narrative:
XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2016 Balance : {$700.00} Credit Reporting Agencies are illegally and inaccurately reporting these accounts on my consumer reports. They are negatively affecting my financial and personal life. I need XXXX, Transunion, and XXXX to remove these accounts from my consumer report and correct my score according to the corrections made.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2016 Balance : {$700.00} Credit Reporting Agencies are illegally and inaccurately reporting these accounts on my consumer reports. They are negatively affecting my financial and personal life. I need Equifax, XXXX, and XXXX to remove these accounts from my consumer report and correct my score according to the corrections made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: FL

Complaint narrative:
XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2016 Balance : {$700.00} Credit Reporting Agencies are illegally and inaccurately reporting these accounts on my consumer reports. They are negatively affecting my financial and personal life. I need XXXX, XXXX, and Experian to remove these accounts from my consumer report and correct my score according to the corrections made.

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 2024-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, we closed on a HELOC with Citizens Bank for XXXX dollars. Shortly after, I received XXXX bank checks from Citizens to payoff outstanding credit cards and a personal loan. 
On XX/XX/XXXX, I went to the Citizens Bank branch in XXXX XXXX XXXX, in Florida to make a wire transfer for XXXX dollars. The wire transfer was an investment opportunity in my friends and former co-worker 's company. A person I have known for XXXX years. 

A few days later I received a telephone call from Citizens Bank fraud Department, the person on the phone requested that I explain the purpose of the XXXX, wire transfer. She also told me, that the HELOC funds had been frozen due to suspected fraud. 
I explained to the bank employee the nature of the wire transfer. After my explanation the Fraud Department employee was satisfied and informed me that she will report to the Bank our conversation and will proceed to request the reopening of my HELOC. 

On XX/XX/XXXX I contacted Citizens Bank regarding my HELOC funds that are still frozen. I received the same answer that the account was frozen due to fraud. As of XX/XX/XXXX my HELOC funds are still frozen. I currently making payment towards my HELOC loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-19 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:
XXXX5 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: IL

Complaint narrative:
XXXX XXXX, XXXX amount {$570.00}. I sent disputed letters to the credit bureaus for validation of debt. No response. 
XXXX, XXXX amount {$570.00}. I sent in dispute letters for the account and no actions were taken on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND

Complaint narrative:
On XX/XX/, I was notified via an XXXX credit alert that a credit card had been opened in my name. I called the credit card company ( Bank of America ) and they cancelled the credit card. I was told that the account was opened with my social security number and email. At the same time, I have been signed up for email notifications from the following : U.S. Department of Labor ( XXXX ), Library of Congress ( XXXX ), Securities and Exchange ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Health ( 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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
They reported that I was late paying them for XXXX. The payment is due on the XXXX I got my bill on the XXXX of the month thats when I sent it back to them they cash the check on the XXXX. The lady I talk today side they didnt send the later charges in but it show up on my Credit report. And she said that they dont send that and till it 30 days late. I not 30 days late. So would youll please take that off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
TRANSWORK SYSTEMS IS NOT REMOVING A DEBT ON MY CREDIT REPORTS. ACCORDING TO CONSUMER AFFAIRS XXXX, THIS COLLECTION AGENCY IS FRAUDULENT. I WAS UNABLE TO CONTACT THE COMPANY TO DISCUSS HOW TO REMOVE THE INACCURATE REPORTING OF THIS DEBT. I SENT LETTER FOR REMOVAL TO ALL THREE CREDIT REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
Debt was not mine by DRS amount was {$1300.00}

Company response to consumer: Closed with explanation