vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-13 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
This Company placed a collection on my account that resulted from identity theft. 

I wrote to this company and let them know that I was incarcerated and that these debts were identity theft on XX/XX/2023. I sent this letter again on XX/XX/2023 certified to them after 30 days, and now it has been 2 times I have sent the letter attached and no response. 

this time I have drafted an intended lawsuit as this company is ignoring my rights under the FCRA While trying to fix this myself I found out a company purchased my info and had been using it for years since the XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I never had a credit card with the company, i shouldnt owe anything. I never received any information about the debt or how to go about it or who to contact for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
CFPB shows my original complaint XXXX as closed and resolved. The problem that I am having with Webster Bank Bill has not been resolved and has been ongoing since XX/XX/23. 

Please show complaint XXXX as not resolved in your database.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: IL

Complaint narrative:
I am writing to dispute several unauthorized inquiries that have appeared on my credit profile recently. According to my credit report, there are numerous inquiries from various institutions, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023. 

I have thoroughly reviewed my credit history and can confirm that I did not initiate or authorize any of these inquiries. As per the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and reliable information on my credit profile. 

Therefore, I kindly request that Experian promptly investigates these inquiries and provides me with a detailed explanation regarding their legitimacy. I also request that you remove these inquiries from my credit report if they are found to be unauthorized. 

Additionally, I would appreciate it if you could provide me with a free copy of my updated credit report after the investigation is complete, as mandated by the FCRA. 

I understand that under the FCRA, you must complete your investigation within 30 days of receiving my dispute letter. I expect to receive a written response from Experian regarding the investigation 's findings within this timeframe. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of these unauthorized inquiries 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 2023-09-13 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: PA

Complaint narrative:
I am not liable for this debt with XXXX Account # XXXX, I have never signed a contract with this company and I have filed with the FTC it is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I had requested letters from the bureaus and I have been ignored!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC
State: MD

Complaint narrative:
I entered into a predatory car loan with the subject of my complaint GLS Lending, XX/XX/2003. 

A sub-prime lender, Global Lending, knew that certain segments of its population were predicted to have a high likelihood of default. Global Lending exposed borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. 

Global Lending has yet to resolve allegations that they violated consumer protection laws by putting subprime borrowers, like myself into loans that carried a high probability of default- engaging in deceptive servicing practices and actively misled consumers about our rights, and risks of partial payments and loan extensions. 

It is my prayer for relief that restitution from Global Lending to its consumers be imposed after it made unfair, high-risk auto loans to car buyers across Maryland and many other states in addition to monetary relief, like the class action in the XXXX case- we also suggest Global Lending agree to factor future borrowers ability to repay loans into their underwriting as this has tremendously affected my life and credit. Surely more than it has helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: MI

Complaint narrative:
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer report. Yet XXXX is reporting information of transactions between the consumer. The reporting of excluded information pursuant to 15 USC 168a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX 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 replying that this account has been validated, lets be very 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 and the creditors reporting collections/charge-offs, late payments/other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtness by the 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 for Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: NJ

Complaint narrative:
Remove late payment, collection, false hard inquiries

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The account was to show a XXXX balance on credit reports and paid in full. It does not. Their pdf was not attached to the complaint or made available to me only the words and nothing as a clickable link to download and view. I need this. They need to report the information to the credit bureaus appropriately.

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 2023-09-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: FL

Complaint narrative:
My vehicle was repossessed last Friday, XX/XX/XXXX without ever being contacted from Westlake Portfolio Management. I came out for lunch and the vehicle was gone. I contacted them and they told me the last time they called me was in XXXX. I have contacted them many times after I saw on the news that American Car Financial was taken over by them. I never received anything from them advising they took over. When i asked, they said American care Financial was suppose to contact their Clients. They had no answer why I was not notified prior to the car being picked up. I have been at a inconvenience, XXXX XXXX, had to walk that day over a mile, take multiple XXXX to get to work and my grandkids not being able to get to their bus stops for school. First they told me, I would have to just pay {$1000.00} and I told them I was going to file a complaint because I have to be notified prior to a repossession and given the right to cure and I was not. Then they said I need to pay {$640.00}, which I paid on Monday, XX/XX/XXXX. It is XX/XX/XXXX and I am still getting the run around with them saying the paperwork is not processed yet. The Repo place just put you on a automatic long hold, XXXX. I have been holding for 2 days. They indicated they have not received anything from Westlake portfolio Management. I just contacted them and was told they will forward the paperwork today and to contact them back later. I have never received a call, email or letter from Westlake Portfolio. I am very angry at the whole thing, they have no regard or answers as to why the vehicle was taken without any contact or notification to me. When asked they go silent and start talking about something else. They should be made to bring it back to me, refund the payment I made and waive payments due to the inconvenience it has caused. they said they were going to send paperwork out today when I called, but its way after the fact..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: MD

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XXXX, XXXX I was charged for two rooms in a hotel, when I actually only reserved ONE. My credit card was charged for the two rooms, and I was alerted by the hotel staff that it appeared that I had reserved two rooms, and I assured them I only needed one room. Since the room was booked through a third party, the hotel could not resolve the issue. I disputed the charge through the credit card issuer, and they kept using the wrong amount in dispute, and I had to amend the claim at least 3 times. After collecting my documents, I determined that I was overcharged by {$340.00}. Each time I amended the claim, it was denied, based on some time frame that was past due for resolving such claims. When I asked the CSR why, at no time, was I informed of the time constraint? They could only tell me that they were sorry, but they could not help me. I took me some time to track down some of the documentation also. I was advised to contact the third party, which I did, and I was told it wasn't their problem, it was the card issuer responsibility! Same old finger pointing! I feel as though {$340.00} was taken out of my pocket, and no one seems to XXXX XXXX XXXXXXXX about making me whole.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

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

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 2023-09-13 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:
I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file Reference Number : XXXX. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquiry : XXXX XXXXXXXX XXXX  Inquire Date XX/XX/XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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:
I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file Reference Number : 162936634. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquiry : XXXX XXXX XXXX Inquire Date XX/XX/XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XX/XX/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 2023-09-13 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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-13 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NE

Complaint narrative:
I lost {$510.00} on XXXX because I was buying a XXXX that I originally bought on XXXX marketplace but they wanted to lower the value of shipping I paid so XXXX  wont let me get my money back I have not received the product from the merchant and chime denied my dispute I need this money that was a laptop that originally I bought for school that I cant even get and Im not giving up on my {$510.00} that I work hard for I I dont even get paid enough to meet living standards so I need help getting this money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I deposited a somewhat large check, $ XXXX, in my Bank of America Savings account in person at a local branch. The deposit was made XX/XX/2023. I am now being told the funds will not be available to me until XX/XX/XXXX due to a BofA " internal review '' process. The check is from a well-known mutual fund, XXXXXXXX XXXX and it's authenticity is easily verified. I do not think this is acceptable and I wonder if BofA is somehow benefitting from the use of my money " on the float ''. The whole situation could have been avoided if i was able to do an ACH transfer from XXXX. However, i was unable to do that because i had to submit hardcopy paperwork to XXXX with a " signature stamp '', something beyond a notarized signature that was not available at 3 different banks i checked in my area before giving up. I think this is XXXX 's way of making it difficult to withdraw money from their funds. In any case, the process of gaining access to my own money will have taken 6 weeks from the time i contacted 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 monetary relief
Consumer complaint received 2023-09-13 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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