vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: KS

Complaint narrative:
TransUnion has failed to perform the duties mandated by section 605B of the FCRA. They also failed to provide evidence of their counterclaim, which was specifically requested in the initial request letter, as well as the demand to comply letter, which was forwarded to them upon dishonor when they failed to perform duty within four ( 4 ) business days of receiving consumer 's request to block and remove information resulting in identity theft.

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 2024-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: VA

Complaint narrative:
I switched my family 's cell phone line from XXXX XXXX to XXXX a few years ago on a promotion where XXXX promised to pay off the phone lines at XXXX XXXX. When I switched to XXXX XXXX tried to collect {$2800.00} from me for the lines that we closed and XXXX said they had done everything to pay off the old lines but XXXX refused to cooperate and communicate with them. I have been trying to resolve this for years over many many calls ( over XXXX ) but XXXX refuses to cooperate. As I have tried again recently they will only accept communication through mail and will not communicate with XXXX over the phone or email which XXXX has said they can resolve quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: NC

Complaint narrative:
My vehicle was repossessed by Westlake Financial in XX/XX/2023. The third-party, who actually carried out the repossession, was XXXX of XXXX, North Carolina . During the repossession, there was damage to my under fender and kick panel, and the parts were placed inside of the vehicle. Upon pick-up and inspection of the vehicle, I notified XXXX of the damages. They initiated a claim and advised me to initiate a claim with Westlake Financial. I initiated a claim with my recovery supervisor, XXXX XXXX. My vehicle was just about paid off. Once I paid it off, the claim initiated with XXXX XXXX became dormant, and he stopped responding to me and taking my calls. I started speaking with a new recovery supervisor, XXXX XXXX. He has since escalated and reached out to the repossessions department to provide authorization to XXXX to fix my vehicle to no avail. Its now XX/XX/2023, and I just spoke with XXXX XXXX, who still does not have a response from the repossessions department, providing authorization to XXXX to fix my vehicle. Hes now advised me to wait an additional XXXX hours for an update, as hes done on subsequent calls. At this point, Im filing a formal complaint because their business practices and procedures in place have failed, and there has been no alternative course of action to rectify the situation and have my vehicle fixed. Once Ive paid it off, the responsiveness of Westlake Financial has been slim to none. The only resolution being provided is sending escalated emails and instant messages within their in-house departments in multiple attempts to get a response from the repossessions department and their communications with XXXX of XXXX XXXX North Carolina , either to have my vehicle fixed or to simply compensate me for the damages done to my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
The following payments were made through Zelle/XXXX XXXX to purchase concert tickets. It was an a mutual friend who's XXXX account was hacked and did not know. 
XX/XX/2023 {$200.00} XX/XX/2023 {$600.00} XX/XX/2023 {$100.00} XX/XX/2023 {$300.00} Total of {$1200.00} to a Zelle account under the name XXXX XXXX at XXXX XXXX XXXX. I filled a police report and they contacted her and she admitted to receiving the funds for a friend but would not name the friend. This is an absolute scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: DE

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 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 2024-03-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On my credit report, there are four names that are not mine and are linked to different Bank of America 's credit cards. Bank of America added a lot of personal information that is not related to me under my credit report like addresses, names, etc. I tried to contact with XXXX, but they are not able to delete those information as it is linked to credit card accounts. I called Bank of America and it is not useful. I need help to correct those.

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 2024-03-13 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: DE

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 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC
State: PR

Complaint narrative:
I was a client of celsius company which went bankrupt in XXXX making me loose thousands of dollars ( XXXX plus ) due to being a scam. They went into bankruptcy and emerge of it on XX/XX/XXXX promising some recovery funds based on the bankruptcy plan. I got my codes to redeem my claim ( recover funds ) XX/XX/XXXX but when trying to redeem it on XXXX ( the provider they assign to me ) it did not allow me, it says claim code is incorrect. I contact multiple times XXXX and they did not help and contacted XXXX for support and they did not even answer me back. Its been way over a month of not receiving my XXXX, the XXXX they assign to me have risen over 50 % on these timeframe and I have lost the ability to gain that back or even have my XXXX back. I feel I am getting robbed every single day and its very frustrating to not be able to meet my financial needs due to the incompetence of XXXX/celsius and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Even though my account has been closed due to unauthorized charges, Aspire continues to charge " Account Maintenance Fee '' of {$12.00} and " Late Payment Charge '' of {$41.00}. My entire {$60.00} payment on XX/XX/year> has gone to pay the " Total Fees for this Period of {$53.00}. '' At this rate, I will never pay down the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Here to establish this party having full faith and credit, to nearly any amount of debt tendered. 

Please see attachments. 

With substantiated facts, I place a postage stamp backed by gold, with my endorsement across diagonal, dated XX/XX/2024 XXXX : no dashes, pursuant to being alive, living, flesh and blood, repudiate signatures, power of attorney and any contractual obligations I didnt not knowingly, willingly and intentionally commit to. 
The facts of international bill of exchange will tended all debts, and pursuant to 12 U.S.C. 411 alongside a host of codified notations, as well as treaty benefits expressed pursuant to w-7 and sf-181 forms completed. 

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 2024-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

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 2024-03-13 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: FL

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: PA

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 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: ID

Complaint narrative:
XXXX XXXX XXXX funds were transferred out of my account without my permission. I immediately contacted the bank and it's been in limbo because transferring out and me transferring back in after I noticed, it has caused a negative balance and the system has it caught up with itself. So I am left without until investigation is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX for a credit card XX/XX/XXXX never applied. 
XXXX XXXX XXXX XX/XX/XXXX Do not know what this is foXXXX XXXX XXXX XXXX I'm XXXX a credit card XX/XX/XXXX XXXX XXXXXX/XX/XXXX Never applied XXXX XXXX  trust XX/XX/XXXX Never applied XXXX XXXX  XX/XX/XXXX Never applied The State of Louisiana notified me that my information was stolen from the database I have never applied to any of these companies. this is affecting my score badly.

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 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
All of my debts with XXXX were paid as bills due before my account was closed. There is no account number, bill date or other information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

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 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 explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Hello I have stolen money from my account. Account number : XXXX There were XXXX separate withdrawals made via Internet banking, which I did not activate, since I do not have internet banking and large sums of money were withdrawn from my account. 

First withdrawal XX/XX/XXXX XXXX XXXX USD - information per monthly statement Second withdrawal XX/XX/XXXX XXXX USD- information per monthly statement Third withdrawal XX/XX/XXXX XXXX USD - information per monthly statement Fourth withdrawal XXXX XXXX XXXX USD- information per monthly statement, Fifth withdrawal XX/XX/XXXX XXXX USD information per monthly statement I live overseas and I maintained this checking account for the purpose of my Pension check directly deposited in this account. 

My monthly Bank of America statements arrive at my address in XXXX with a significant delay. I immediately called the Bank to report my objection to the withdrawals and demanded to have the withdrawals investigated for breach of security of my account. Every time I called, I spent a good hour on the phone without any results. I have witten XXXX separate register mail letters to the Bank of America disputing these withdrawals, but to no avail. There is XXXX USD on my account on my last statement in XXXX XXXX, XXXX In the meantime, I stopped the deposits to my Checking Account, but each month the Bank charges me XXXX USD service fee - because I have insufficient balance, which is not my fault. 

Bank of America is charging me a service fee from XX/XX/XXXX every month until now.. 

I am attaching the letters I have written to the Bank. 

I mailed XXXX register letters to the Bank on the date as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and many hours on the telephone to Bank of America. 

As of this date I failed to receive any answers from the Bank. 

I do NOT have a XXXX telephone number. I do have a landline telephone Number : XXXX XXXX XXXX XXXX XXXX XXXX I kindly ask, please help me to close my account! Total amount stolen from my account XXXX USD plus XXXX USD monthly charge from XX/XX/XXXX continues every month. 

Thank you! 

Sincerely 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 monetary relief
Consumer complaint received 2024-03-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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