vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello, i have mailed several dispute letters sent certified mail to you for you to conduct an investigation in XX/XX/2022, XX/XX/2022, and XX/XX/2022. I never received any results In the mail for the investigation, which is a violation of the Fair credit reporting act. I called to request a copy of the investigation results and I was told that no investigation into my disputes were ever done. This is a clear violation of 15 USC 1681i. Because of your negligent handling of this matter I have suffered tremendous damage to my reputation, character, health, and lifestyle. You have caused me to be denied opportunities economically, which has hindered my ability to provide for my family.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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: LA

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 1681.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
XX/XX/2022 XX/XX/2022 XX/XX/2022 Reporting agency, TOYOTA FINANCIAL SERVICES, reported account XXXX, 30 days past due, for XXXX, XXXX, & XXXX of 2022. These late payments are inaccurate, & I would like a copy of the furnished documents, from the bank statement showing exactly when those payments were made, proving each payment was 30 days late. If that can not be shown, I would like the payment history updated to all on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies-B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1681i - Procedure in case of disputed accuracy-1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Please remove the late payment on JPMCB because Chase is effecting my well being to obtain a house. I don't want to sue your company for violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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:
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.

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 inructions 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 inaccurat

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian, XXXX and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says Experian, XXXX and XXXX is a furnisher of information to a consumer reporting agency. 
Experian, XXXX and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Experian, XXXX and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have had a XXXXXXXX XXXX XXXX ( XXXX XXXX  ) for years, apparently it was bought out by Wells Fargo, so in XXXX ( XXXX ) I received a Wells Fargo Card and I saw that it said " XXXX XXXX '' so I assumed that they took over the account but I was never notified. There is only a couple of things that auto bill to that card and it is paid off every month, auto pay. Apparently that did not carry over, and today I got three letters. My first bill, a default letter, and an immediate payment letter. How about a phone call, an email, a letter welcoming me to wells fargo. Nothing, zero, zilch zip. I told the person on the phone what was going on and they did not offer any help, they just said they would notate the account. This is ridiculous that they can do this and now they can lower my credit even thought I didn't do anything wrong. Totally ridiculous. I plan to pay the card off on Friday and close the account but I want them to wipe off any bade credit rating they have given me.

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 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America checking account was opened twice in my name without my permission. My email and address was used both times. I received emails that my application was accepted and called Fraud dept both times. 
I have contacted all 3 credit bureaus and put a freeze on my social.Problem is BOA does not check credit when opening a checking account, so this may happen again.Unacceptable. 
Dates of opened accounts XXXX and 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 2023-07-12 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I received 2 texts from Capital One, one asking if I just made a {$600.00} charge at XXXX followed by a 2nd text stating the charge was declined as there was not enough credit. I was home at the time so responded 'No ' as I did not make the charge. Additionally, knowing {$600.00} would not take me over my credit limit I immediately logged into my account and there were 3 additional pending charges from the day that I did not make : {$1400.00} to XXXX, {$450.00} to XXXX, and {$210.00} to XXXX XXXX XXXX XXXX. 
Immediately called Capital One to report the charges as fraud. A credit was issued for all 3 transactions on XX/XX/XXXX. On XX/XX/XXXX the credits for {$450.00} and {$210.00} where then charged back to my account. When I called Capital One to question this, they indicated that these transactions were reportedly made with a chip, and those could not be tampered with ( not true at all! ) and as such they could not 100 % be sure it was fraud, although they are acknowledging the XXXX charge as fraud from the same day as it was done online. The fact there was also a 4th large charge that was declined the same day clearly indicates someone making purchases who was not familiar with the account. 

I am being held responsible for over {$700.00} in fraudulent charges and they are refusing to help me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: MD

Complaint narrative:
I was living at XXXX XXXX and was highly XXXX XXXX XXXX and could not XXXX  up the steps that lead to my apartment and requested a transfer I was put on a waitlist and was concerned about the affordability of the home and my current condition I set and had a meeting with the property manager in reference to moving out I put a proper XXXX notice in and continued living in the property temporarily because when I put my notice in my apartment was already leased before I vacated I attempted to complete my lease out after recovering from XXXX and was offered a neutral unit on on the third floor because of XXXX I am not able to climb that many stairs without a period where I am able to sit but I had spoke with the property manager and I was informed that my security deposit will be kept by the property management and I'm to pay my rent in full I paid my rent in full clean the apartment thoroughly there was no scratches or nowhere and tear on this unit so I didn't have any walk out violence after about 3 years of living out of the property I received a notification from century credit stating that I owe from a breach of lease the property manager which was XXXX at the time and I agreed that this will be the terms of me leaving my lease early I've been tried to before my proper notice was over try to stay in the property but my unit was already leased so to me I feel like not only did we have a verbal agreement and also my lease was breached by the property management company by leasing my unit out before my lease was over XXXX XXXX HAS NO CURRENT XXXX TO CONTAXT THEM VIA EMAIL OR PHONE AND IS NO LONGER AT THIS POOERTY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

Complaint narrative:
i have reported this company with the other two credit bureaus and have spoke to all three over the phone stating that i have never lived at this address that keeps only coming back on XXXX and its hurting my credit score bad. I have verified that i was indeed in indentity fruad or some one has stolen my information on the internet. I have never ever in my life have had serives like this under my name due to me living with my mother or family and this debt keep coming back and i dont know why if in fact i reported on this website this very company about a year or so ago. Please help me get rid of this. I can prove by going to the secretary of state of illnois and have my addresses pulled up.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
On XXXX XXXX, I called the company and wanted to close the account. They said I had to pay the {$6.00} monthly fee. I argued that it was the beginning of the month and I wasn't going to use the charge card anymore. This was exactly the reason why I wanted to close the account because of the monthly and annual fees. The account has no current outstanding balance due, is in good standing and has been paid on time every month ( including monthly and annual fees ) since opening the account in XX/XX/2019. If I have to pay the monthly fee, then I will never be able to close the account because the fee is charged the first of each month and the account will always have a balance due because of the monthly fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I co-signed my son XXXX XXXX 's private student loan with XXXX XXXX, during Covid-19 we assume that XXXX XXXX  loan was on pause and could not able to make payments. In the XX/XX/2023 I contacted XXXX via email with the pay to delete offer and I received response back from XXXX XXXX on XX/XX/2023 that account has been charged off to XXXX now. Proof enclosed. I contacted XXXX and paid off the balance and remove the negative enquiry from my credit report. Which XXXX did but despite my repeated requested to XXXX XXXX to remove negative reporting on my credit report it is still showing that me and my son owe balance of {$21000.00} which is hurting badly as I am in process to buy home and being denied for home loan. Every time I contact XXXX XXXX to remove negative reporting of credit bureau specially Transunion and I have not been able to receive any response.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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:
I want to file this please as my formal complaint to TRANSUNION for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was not able to view my Experian credit report through XXXX ; the site did not give me any explanation for why it couldn't display my report ( N.B. I made sure to unfreeze my credit report before using XXXX ). I have an account at experian.com through which I was able to view my credit report directly, and I found the same bad address there. I attempted to dispute it through the process in the app at experian.com, and it didn't work. Like, literally, when I started the dispute process and told it that I wanted to dispute a bad address, nothing happened. At this point I gave up.

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 2023-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake Financial Services and I have been having back-and-forth conversations. 
Every time I make a payment, they claim there weren't enough funds and assess an NSF fee on top of whatever additional expenses I'm not aware of. 
I have often tried to speak to a manager or supervisor but have been told there are never any available. Every time I make a payment, they calculate a different amount. I recently paid a past due sum of {$1400.00} on XX/XX/XXXX, however as of XX/XX/XXXX, they claim I still owe {$1900.00}. They informed me that I owe {$860.00} when I contacted. Information is constantly in dispute. I'm not sure what is being paid at this time, and I can't see my principle balance going down. 

Due to the exposure of information to someone other than me, I also asked to meet with a member of their legal team ; however, I was told that they don't have one. 
My car has already been declared a total loss, and ever since I've informed them, they've been charging me {$60.00} a day in interest until the payoff is received, which is highly dubious. In addition, they are intentionally causing trouble with the insurance provider by claiming that I have the title when I don't in order to gain more money. 

Payments are seldom without issue ; if I make my $ XXXX monthly payment, most of it goes toward interest and very little toward principal. In addition to all of these payment frauds with this firm, I am also concerned that I won't receive a difference in thepayout owing to their methods and may not be able to purchase another automobile, which has been very frustrating for me.

Company response to consumer: Closed with explanation