vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The move out date and the payments where wrong to account and I want off of 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 2024-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: KEYCORP
State: OH

Complaint narrative:
I was in a authorized push scam. they pretended to be someone my husband went to school with. and showed me her ID and everything. she asked for XXXX to help and double our money. this would only take 3-5 minutes. well needless to say they never gave me my XXXX because they had upgraded me to a higher amount. and that i had to pay for those tax fees this went on until my payment was XXXX dollars and they took XXXX from us. then they wanted me to buy gift cards and send them the cards numbers then they wanted me to set up a XXXX XXXX account so i did and they walked me through how to send money through that and then they wanted me to send money through XXXX. and then the XXXX  machine and i had no idea what a XXXX  machine was or where to find one at. then she gave me her administration ( XXXX XXXX ) who claim to be with XXXX and he had .multiple phone numbers there are also different wallet ids for the scammers also. I had a lawyer call me and told me if i gave them XXXX dollars they would give us XXXX .then the head of finance for XXXX  called me his name is XXXX XXXX. and tried to get money from us too. they took everything from us. I went to the bank and the bank told me that yes we were scammed but they couldnt give our money back because of the way it was pushed scammed from us. which is completely unfair to us. I do have a voicemail from the lady at the bank telling me that they found a solution to our problem and when i called her back she said that we are not getting our money back. then scammers told me they cant help me if i dont help myself!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
THERE IS A FRAUD BLOCK ON MY EQUIFAX CREDIT REPORT I HAVE CALLED EQUIFAX AND THEY SAY IT IS BECAUSE OF MY DATE OF BIRTH EVEN THOUGH I VERIFIED MY DATE OF BIRTH WITH EQUIFAX AND THEY HAVE IT CORRECT THIS IS PREVENTING ME FROM CHECKING MY CREDIT REPORT AND APPLYING FOR A MORTGAGE. 
THE OTHER XXXX CREDIT BUREAUS, XXXX AND XXXX, I CAN CHECK MY CREDIT REPORT WITH THEM WITH NO PROBLEM AND SO CAN THE MORTGAGE COMPANY. 
I HAVE CALLED EQUIFAX AT LEAST XXXX TIMES OVER THE PAST WEEK TO GET THIS RESOLVED AND IT IS STILL NOT RESOLVED. 
THIS IS PREVENTING ME FROM GETTING A MORTGAGE. 
PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XXXX XXXX  US Auto Sales filed bankruptcy and closed their doors, as results of this my private financial information was not appropriately transferred to a financial company it was sent to Westlake Portfolio Managment which is a debt collector. I filed a civil lawsuit against US Auto Sales for breach of contract. While my case was in default Westlake portfolio wrongfully repossessed my vehicle and refuses to return my vehicle via court ordered and refused to pay me my deemed monies in the amount of XXXX ordered by the court as well. My civil case was granted and closed. Every time I would be put on hold for long periods and the call would be disconnected shortly after. Westlakes Attorney XXXX XXXX XXXX with XXXX XXXX and XXXX XXXXXXXX XXXX Located in XXXX FL which is the same attorney for US Auto sales filed a motion to vacate/ set aside my default judgement on my court case due to bankruptcy which is not the only violation the broke. My car was in default from the day of purchase. Westlake has continuously harassed me, cause me mental stress and put a financial burden on me due to taking my vehicle and violate many laws. They need to be shut down and investigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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:
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 2024-01-25 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:
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 2024-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX hospitalized after cardiac arrest. XXXX XXXX  operating at the time was called XXXX XXXX, under XXXX XXXX XXXX XXXX. In XXXX of XXXX, the company ( GS ) was dissolved and we enrolled in a new XXXX called Alignment also under XXXX. We began getting billing for unpaid physician services at the hospital, {$1000.00}. We called multiple times and were assured that the entire bill for all services was paid, both by XXXX and XXXX. 

In XXXX of XXXX, XXXX XXXX XXXX consulting Services claimed we owed this bill and had failed to collect from XXXX XXXX as we are not insured by them in XX/XX/XXXX. We wrote several letter saying the bill was paid in full. They then turned it over to a collection agency, CMRE Financial Services in Texas. We wrote to them explaining there was no debt but still got another letter XX/XX/XXXX demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: IL

Complaint narrative:
I am writing to you with a heavy heart, burdened by the weight of the financial struggles exacerbated by the inaccuracies on my credit report. The credit bureaus have become a source of immense distress, as the negative items persist, casting a dark shadow over my life. 

Despite my best efforts to rectify errors and settle outstanding debts, the credit bureaus seem indifferent to the toll this is taking on my daily existence. The unrelenting presence of these inaccuracies is making it nearly impossible for me to secure basic necessities, let alone plan for a stable future. 

I find myself contemplating the drastic step of filing for bankruptcy, a decision I never imagined making. The impact on my emotional well-being has been profound, as the stress and XXXX associated with these financial hurdles seem insurmountable. 

I implore you to intervene and advocate on my behalf to rectify these inaccuracies promptly. Your assistance in ensuring a fair and accurate representation of my financial standing on the credit report would be a lifeline in these challenging times. 

Thank you for your attention to this matter, and I sincerely hope for a resolution that will restore not only my financial stability but also my peace of mind.

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 2024-01-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to you with a heavy heart, burdened by the weight of the financial struggles exacerbated by the inaccuracies on my credit report. The credit bureaus have become a source of immense distress, as the negative items persist, casting a dark shadow over my life. 

Despite my best efforts to rectify errors and settle outstanding debts, the credit bureaus seem indifferent to the toll this is taking on my daily existence. The unrelenting presence of these inaccuracies is making it nearly impossible for me to secure basic necessities, let alone plan for a stable future. 

I find myself contemplating the drastic step of filing for bankruptcy, a decision I never imagined making. The impact on my emotional well-being has been profound, as the stress and XXXX  associated with these financial hurdles seem insurmountable. 

I implore you to intervene and advocate on my behalf to rectify these inaccuracies promptly. Your assistance in ensuring a fair and accurate representation of my financial standing on the credit report would be a lifeline in these challenging times. 

Thank you for your attention to this matter, and I sincerely hope for a resolution that will restore not only my financial stability but also my peace of mind.

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 2024-01-25 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX failed to meet requirements of 15 usc 1681b permissible purpose I have pictures of my account saying its been locked since XXXX but some how hard inquiries from companies Ive done no business with are literally sitting on my report as Im reading the security lock message, there is a private right of action for negligent or willful noncompliance with 1681s-2 ( b ) of the FCRA. 
- in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  See attached and explain

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX failed to meet requirements of 15 usc 1681b permissible purpose I have pictures of my account saying its been locked since XXXX but some how hard inquiries from companies Ive done no business with are literally sitting on my report as Im reading the security lock message, there is a private right of action for negligent or willful noncompliance with 1681s-2 ( b ) of the FCRA. 
- in XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attached and explain

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Earlier this month I submitted a claim by phone to Citi for a fraudulent purchase made using my Citi Double Cash Card account. The purchase was made on XX/XX/2024 in the amount of {$3200.00} at XXXX XXXX # XXXX in XXXX XXXX, NY. 

At the time I reported the claim, the Citi representative who was assisting me on the phone asked me if I still had the card in my possession. I responded that I did because I honestly believed I did still have it. I knew I had not dropped the card ; my wallet had not been stolen ; my pocket hadnt been picked, and I had no recollection of doing anything that would have caused me to lose the card. 

It was not until a few days later, when I went to use the card, that I realized I did not in fact have it. I then reported this by phone to another Citi representative and told her that I had been mistaken earlier when I said I still had the card. I asked her to note this in her records and she told me she had done that. 

I have now learned that my claim was denied because, since it appears that an individual had my physical card when they made the purchase at the XXXX XXXX, that I am presumed to be that individual. This is completely unjust. The additional information I provided to the second Citibank representative was completely disregarded. I am now told that I must pay the amount of {$3200.00}. 

I have had accounts at Citibank for over 20 years. I currently have two checking accounts, two credit cards and a debit card with Citibank. Over the years, I have had a mortgage with Citibank and two Citibank XXXX XXXX loans which I have fully repaid. I have been an honest, loyal Citibank customer for over two decades. I expect Citibank to believe me when I say I made a mistake in thinking I still possessed the card in question.

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 2024-01-25 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: NY

Complaint narrative:
I am writing to address a pressing concern related to the Fair Credit Reporting Act ( FCRA ) and the serious violations committed by XXXXXXXX XXXX  Specifically, I have been reported as delinquent by XXXXXXXX XXXX and it is crucial that this issue is rectified without delay. 

Under 15 USC 1681 Section 602, my right to privacy has been egregiously breached by XXXXXXXX XXXX  as they have reported me as delinquent without adhering to my instructions under an open-end consumer credit plan. This violation is further highlighted by

15 USC 1681 Section 604a Section 2, which explicitly underscores the importance of safeguarding consumer privacy. Furthermore, per 15 USC 1666b, a creditor s
uch as XXXXXXXX XXXX  is prohibited from treating a payment on a credit card account as late for any purpose without proper adherence to the terms of the open-end consumer credit plan. The reported late payments are a direct violation of this statute. 

I am disappointed by the significant delay in resolving this matter, particularly in relation to my XXXX, Transunion, and XXXX credit reports. I urgently request these bureaus to prioritize this dispute, conduct a thorough investigation, and promptly rectify the inaccuracies on my credit report caused by XXXXXXXX XXXX 's violations of the FCRA. 

Your immediate and decisive action in resolving this matter on my XXXX, Transunion, and XXXX report is not only anticipated but also greatly appreciated. I trust that you will address this issue with the urgency and seriousness it deserves. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: NY

Complaint narrative:
I am writing to address a pressing concern related to the Fair Credit Reporting Act ( FCRA ) and the serious violations committed by XXXX XXXX. Specifically, I have been reported as delinquent by XXXXXXXX XXXX and it is crucial that this issue is rectified without delay. 

Under 15 USC 1681 Section 602, my right to privacy has been egregiously breached by XXXXXXXX XXXX as they have reported me as delinquent without adhering to my instructions under an open-end consumer credit plan. This violation is further highlighted by 15 USC 1681 Section 604a Section 2, which explicitly underscores the importance of safeguarding consumer privacy. 

Furthermore, per 15 USC 1666b, a creditor such as XXXXXXXX XXXX  is prohibited from treating a payment on a credit card account as late for any purpose without proper adherence to the terms of the open-end consumer credit plan. The reported late payments are a direct violation of this statute. 

I am disappointed by the significant delay in resolving this matter, particularly in relation to my XXXX, XXXX, and Equifax credit reports. I urgently request these bureaus to prioritize this dispute, conduct a thorough investigation, and promptly rectify the inaccuracies on my credit report caused by XXXX XXXX 's violations of the FCRA. 

Your immediate and decisive action in resolving this matter on my XXXX, XXXX, and Equifax report is not only anticipated but also greatly appreciated. I trust that you will address this issue with the urgency and seriousness it deserves. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NY

Complaint narrative:
I am writing to address a pressing concern related to the Fair Credit Reporting Act ( FCRA ) and the serious violations committed by XXXX XXXXk. Specifically, I have been reported as delinquent by XXXXXXXX XXXX, and it is crucial that this issue is rectified without delay. 

Under 15 USC 1681 Section 602, my right to privacy has been egregiously breached by XXXXXXXX XXXX as they have reported me as delinquent without adhering to my instructions under an open-end consumer credit plan. This violation is further highlighted by

15 USC 1681 Section 604a Section 2, which explicitly underscores the importance of safeguarding consumer privacy. Furthermore, per 15 USC 1666b, a cr
editor such as XXXXXXXX XXXX  is prohibited from treating a payment on a credit card account as late for any purpose without proper adherence to the terms of the open-end consumer credit plan. The reported late payments are a direct violation of this statute. 

I am disappointed by the significant delay in resolving this matter, particularly in relation to my Experian, XXXX, and XXXX credit reports. I urgently request these bureaus to prioritize this dispute, conduct a thorough investigation, and promptly rectify the inaccuracies on my credit report caused by XXXXXXXX XXXX 's violations of the FCRA. 

Your immediate and decisive action in resolving this matter on my Experian, XXXX, and XXXX report is not only anticipated but also greatly appreciated. I trust that you will address this issue with the urgency and seriousness it deserves. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
United Auto Credit sent me the title to my paid vehicle in XX/XX/2022. Thereafter, they began to call and send letters demanding a final car payment. I'd already paid my final balance in full and received the car title. They continued to call and threaten to repossess the car if I did not pay in full the {$1100.00}. They have harassed me by phone and mail for over a year and we need them to stop. Remove this false payment demand from all of my credit bureau accounts. 
My son is a XXXX XXXX XXXX XXXX & uses the car to XXXX XXXX XXXX kids. We don't need that public humiliation in front of children over an aggressive scare tactic when we have already paid and received the title of the car. They were calling and asking where is the car parked? and stating that they know where the car is to pick it up if we don't pay the final balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation