vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-03 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: CA

Complaint narrative:
A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and

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 2024-08-03 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: OH

Complaint narrative:
My Transunion account is never updated. When I log in, they block my access, and I have to change my password every time. In addition, the report reports accounts as open and delinquent that have been discharged in a federal bankruptcy. Meanwhile, the account reports XXXX fraudulent account as a collections account that never existed which is XXXX XXXX. The account is showing a XXXX XXXX  account that was closed and never used, and I submitted proof of that. It was removed from my XXXX and XXXX. The account shows XXXX XXXX accounts that were closed because of fraudulent activity. Both the XXXX and XXXX have removed them, but the Transunion reports them as higher balances and as delinquent. In any case, there is an employee out of the XXXX office that is responsible for doing this. That same employee has submitted fraudulent letters and emails to me and I have made police reports as I can not take the law into my hands. That same employee put a block on several other credit accounts to prevent me from obtaining loans. This same employee is related to the family I have been complaining about for the last going on XXXX years. This person took my social security number, and got a job with Transunion and has been doing this since XXXX when I moved into the property at XXXX XXXX XXXX XXXX XXXX. Lastly, the credit issues worsened after a XXXX XXXX moved next door to me there in XXXX I think. I never had any issues with her while she was there, but when I started working at XXXX the whole harassment and issues in the neighborhood started and the stalking and the XXXXXXXX XXXX at me, and her showing up at my places of employment. Nonetheless, there is a story behind this all and it includes my ex-husband, and Pastor XXXX XXXX and his Son by his only wife ( both of whom I never met ), XXXX XXXX 's daughter, and XXXX 's daughter and nieces ( all of whom I never met or interacted with ), and her Brothers ( XXXX is XXXX ), and her Son that lived in the neighborhood ( also of which I never met ). You would need to obtain every ethics report from XXXX from XXXX to XXXX when I resigned, and every FBI report and tip and every XXXX Police Report from XXXX Ohio to help piece everything together.

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 2024-08-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
This week I got a notice from XXXX stating I had a collection on my credit report and I should call Radial Global Solutions which I immediately did. I told them I had no idea what the amount was for. Their reply was it was turned over to them for collection by XXXX. They asked if I wanted to pay and I immediately said yes as I did not want it to affect my credit report. ( I was not aware it already had ). It has taken me years to get XXXX credit scores and up to XXXX by XXXX. I am very concerned with my credit scores. After paying what they said I owed, I contacted XXXX and after XXXX hours I got someone willing to help. After we found out the bill was for my old business phone at XXXX XXXX XXXX ( XXXX ) which was sold over XXXX years ago, I immediately realized the bill was not mine as I no longer owned the business so no notices were ever sent to me. I had no way of knowing. After telling the XXXX rep the problem, he said this was not the first time this happened. He immediately removed the charge and told me XXXX would send me a refund. The new owner had never changed the phone over per the sale agreement. The charge was for a years sevice charges before being cut off. The business was closed last year. All the credit companies immediately downgraded my scores by as much as XXXX points without notice. This system seems very skewed to those that do not care and do not strive to pay every bill on time. There should be some delay or notification by the credit reporting companies before this downgrade takes place if the curcumstances are like mine with near perfect scores.

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 2024-08-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act convergent Account # XXXX, has violated my rights. 

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 an account without my written instructions

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 2024-08-03 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 recently reviewed my credit report and discovered an error in the payment history of XXXX of my accounts. The report falsely indicates that I made a XXXX late payment to XXXX XXXX XXXX XX/XX/year> XXXX when in fact the payment was made on time. It is imperative that all consumer credit agencies adhere to the Fair Credit Reporting Act ( FCRA ) and accurately report information. I have attached a copy of my report to support this complaint. I request your prompt investigation into this matter and the correction of the payment history for this account. Thank you for your attention and swift action regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: VA

Complaint narrative:
XXXX systems showed up on my credit report. This is a third party company and I have no idea where this came from. I has a major impact on credit score. I would like it removed asap

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 2024-08-03 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: VA

Complaint narrative:
XXXX systems showed up on my credit report. This is a third party company and I have no idea where this came from. I has a major impact on credit score. I would like it removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Iowa XXXX XXXX XXXX XX/XX/XXXX [ Green State Credit Union XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX Iowa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Violation and Demand for Action Dear Sir/Madam, I am writing to formally lodge a complaint regarding the continuous and unauthorized reporting of my credit information to a credit agency by Green State Credit Union XXXX which constitutes a direct violation of a cease and desist notice I previously issued. This ongoing communication is not only unwarranted but also illegal under multiple federal statutes.

# # # Violations 1. **Cease and Desist Violation : ** Despite my clear cease and desist notice, Green State Credit Union has continued to report my credit information to a credit reporting agency. This action is a form of communication that must cease immediately. Furthermore, this communication must also include the deletion of my information from my credit consumer report.

2. **Gramm-Leach-Bliley Act Violation ( 15 U.S.C. 6802 ) : ** I have opted out of information sharing pursuant to 15 U.S.C. 6802, and I have provided notice of this opt-out to Green State Credit Union . However, the bank has continued to share my nonpublic personal financial information in blatant disregard of my rights under the Gramm-Leach-Bliley Act.

3. **Fair Credit Reporting Act Violation ( 15 U.S.C . 1681b ) : ** The continued reporting of my credit information without my explicit written instruction and permission is a violation of 15 U.S.C. 1681b. I challenge Green State Credit Union and the credit reporting agency to produce any documentation proving that I have given such permission. As I have not provided such authorization, this reporting is illegal and must cease immediately.

4. **Identity Theft and Assumption Deterrence Act Violation ( 18 U.S.C . 1028A ) : ** By passing my nonpublic personal financial information without lawful authority, both Green State Credit Union and the credit reporting agency are in violation of 18 U.S.C. 1028A. This is a serious offense and will not be tolerated.

# # # Notice of Potential Litigation Should these demands not be met promptly, I will have no choice but to seek legal remedies for harassment and abuse. This will include filing a lawsuit for each violation outlined above. Be advised that this will include claims for damages due to the continued distress and impact on my financial standing caused by your illegal actions.

# # # Conclusion Please treat this matter with the utmost urgency and respond in writing within 14 days of receipt of this letter. Failure to comply with these demands will result in immediate legal action. 

Sincerely, XXXX XXXX XXXX : ** - Federal Trade Commission **Enclosures : ** - Copy of Cease and Desist Notice - Relevant Documentation for Reference

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc.
State: NC

Complaint narrative:
Company : Southern Management Sy Date : XX/XX/year> Amount stated owed : {$2400.00} I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts frommy report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX, I received letter from Bank of America and noticed bill for transactions that I did not make. I did not have my card in my possession and did not authorize anyone to use my card. Last time I had my card in my possession on XX/XX/XXXX, I suspect my card was stolen on XXXX XXXX card was used for several fraudulent charges since XX/XX/XXXX for a total amount of {$570.00}. After account closure I was not provided with Bank Statements and had no chance to properly address this issue. Several times I filed dispute with Bank of America, XXXX, XXXX and XXXX. Non of them helped to resolve this issue and correct my credit report information. I am the victim of fraud and Identity theft, but also I am victim of negligent attitude to consumers, er from Bank of America, XXXX, 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 2024-08-03 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: NC

Complaint narrative:
I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account, Bank of America # XXXX Is not my account. And one more thing aaccording to 15 USC 1681s-2 A person shall not furnishany information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate. Check the attachments below.

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 2024-08-03 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: CA

Complaint narrative:
My automobile was repossessed by XXXX ( towing company ) on behalf of Westlake Financial for payments in arrears. The finance company, Westlake Financial and I came to a resolution in which I was to pay an amount as reinstatement. The requested amount was paid and received by the finance company. Westlake Financial customer service department informed me that it will take XXXX to XXXX our for a RELEASE to be issue and that the car was at the XXXX facility, and they will be sending the release to then. Westlake Financial gave me a telephone number for me to set an appointment to retrieve the automobile. The telephone number only instruct the callers a website to set the appointment. I tried to set the appointment but the site states that the vin number of my car did not allow for a online appointment, to call them to set it. I called WLF the lender for another number since the one they provided did not allow for a human conversation, they responded that the number that I was given was the only number that they had. I was left with no option to arrange for the appointment. Approximately 6 days later and dozens of calls with countless minutes with different WLF representatives I was informed that the car was move to a different location to be sold and that I must call and set the appointment, telephone number was provided by the financial institution. For XXXX days I called and was informed by XXXX that the car was not there and that I should inform the financial company, which I did. They claimed that the car should be there and that a released was already issue to them, I called XXXX and finally they acknowledge receiving the car but the release was not received. XXXX after the relea arrived and appointment was set for the retrieval. After inspection of the automobile, I notice that the car was missing engine parts including the original XXXX battery, and some of the parts removed were placed on the passenger front seat. The interior of the car is of light beige leather and I founded stain with what appears to be oil from the parts seating on top of them. The cable that opens the trunk in the event of emergency was cut and placed over the seat as well. The windows of the car were left open at the XXXX facility in the desert ( XXXX ) and the car is full of desert sand, some of it has infiltrated the electrical switches of the windows. The XXXX XXXX XXXX XXXX department suggested that are to be remove and clean or to be replace, failure to do so potentially cause electrical shorts. 
All that I asked is the car be return to me in the order an ] XXXX when they removed it. 
Best Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have a XXXX XXXX  bank inquiry thats not mine and a XXXX inquiry from someone that signed into my account and took XXXX POINTS FROM ME, I WILL SHOW YALL ANYTHING YALL NEED BUT I WANT THIS OFF ASAP THIS IS NOT ME. IVE CONTACTED XXXX AND IVE CONTACTED XXXX XXXX AND BOTH APPLICATIONS HAVE BEEN CANCELED now please take this off 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 explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: LA

Complaint narrative:
Cashapp locked my account for suspicious activity and is refuse to give me my XXXX XXXX They are claiming that its for my protection but wont allow me to confirm my identity. They are doing this is XXXX of thousands of people. My account is fully verified. With my id, and phone number. 
They are denying access to my hard earned money. And are refusing to allow me to cash out my balance while not offering a solution or resolution to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had issues in the past with the callcenter they were not abble to verify me, I spoke with the branch representative on XX/XX/XXXX and they helped me with the request. Today XX/XX/XXXX enrolled into my online banking I requested through the chat to open a merhcnat dispute and they said cant help me because im not verified. I cant guess how a customer cant be verified if is already logged into the online banking with the credentials and the code verification, doesnt make sense. I was referred to go to the branch, XXXX XXXX and im right now in XXXX. 
So please fix the issue and XXXX  open the merchant dispute for credit not precessed. 
I went to the store XXXXXXXX XXXX on XX/XX/2024, to buy XXXX XXXX XXXX  silver XXXX gb for an amount of XXXX each XXXX and again on XX/XX/XXXX to buy XXXX more for an amount of XXXX. Those XXXX arrived to my house on XX/XX/2024, but for that date were no longer needed, so I went to the store in person on XX/XX/XXXX to return and request the refund, the return was accepted and on the same day the refund receipt was issued. They have a timeframe of XXXX  days to have the refund posted to my account. 
The refunds were never posted to my account and on the last contact with them they just said contact your financial institution for billing adjustment. 
Please open the merchant dispute for those XXXX transactions under the reason " credit not processed '' under the transfer act and regulation XXXX and Z the bank cant deny the right to open disputes, and is customers choice if wants to open by phone, letter or in person. 

Thanks

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 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I had an emergency last year and I left the country around XX/XX/year>. I missed XXXX  months of payments because my app didn't work back home in XXXX. 
Moving forward I came back to the States and found out that they closed the account and they charged me a lot of interest. I made all the payments on time and they keep charging me every month too much without using the card. I made my calculation and it's like {$4000.00} interest money I want to ask if it's possible to get my money back please because I worked very hard for it and I need it to pay for my school and help with my living expenses.

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year> I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank for your understanding and prompt action.

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 2024-08-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I pleaded with XXXX and Experian to correct a dispute and I also address that there were two different Open dates and send me an updated report in 30 days. The Time now is way pass the 30 days by a few weeks and they failed to respond!

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