vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-21 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On or about XX/XX/2023 I contacted the alleged creditor about a debt listed on my account. I have sent certified mail to the listed address above twice and both came back undeliverable. I have included proof of this via certified mail receipt I have also notified the FCA Experian of this error and they are refusing to timely correct this issue. It is damaging to my file and score and has caused me harm. 

on XX/XX/2023 I contacted experian to notify them of this error and my attempts to contact the creditor. It is still not resolved as of XX/XX/2023 General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an ADDRESS to which consumers may WRITE to notify the furnisher that certain information is inaccurate. FCRA Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

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 2023-05-21 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a formal complaint against Lightstream for violations of 15 USC 1681b, which pertains to permissible purposes under the Fair Credit Reporting Act ( FCRA ), as well as violations of the Privacy Act of 1974. It has come to my attention that Lightstream shared my personal information with a third party, namely XXXX, without a valid permissible purpose. 

The specific details of the violation are as follows : Violation of 15 USC 1681b ( Permissible Purposes ) : Unauthorized Sharing of Personal Information Lightstream, without a valid permissible purpose, shared my personal information with XXXX. This unauthorized sharing of my personal information is in direct violation of 15 USC 1681b, which outlines the permissible purposes for which consumer information can be shared. I have not authorized Lightstream to disclose my information to any third party, and this violation raises concerns about the protection of my privacy and the security of my personal data. In addition, this action may have adverse consequences on my creditworthiness and overall financial well-being. Therefore, I strongly urge Lightstream to immediately cease any further sharing of my personal information with unauthorized third parties and to take appropriate measures to prevent such unauthorized disclosures in the future.

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 2023-05-21 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'v contact the credit reporting companies several to remove the illegal information, being reported to my credit accounts on the sites, because of them violating my right under the USC laws XXXX and nothing has happen.

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 2023-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act, has violated my rights. 
XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Re : XXXX XXXX : XX/XX/1995 XXXX5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

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 2023-05-21 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: MA

Complaint narrative:
I'v contact the credit reporting companies several to remove the illegal information, being reported to my credit accounts on the sites, because of them violating my right under the USC laws , and nothing has happen.

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 2023-05-21 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I'v contact the credit reporting companies several to remove the illegal information, being reported to my credit accounts on the sites, because of them violating my right under the USC laws , and nothing has happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am currently in the process of reviewing my consumer reports and noticed many inaccuracies regarding Account # XXXX including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681e - Compliance procedures states : 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. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete for the consumer report for violating compliance procedures. 
Thank you in handling 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 2023-05-21 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: FL

Complaint narrative:
I am filing a formal complaint against XXXX for violations of 15 USC 1681b, which pertains to permissible purposes under the Fair Credit Reporting Act ( FCRA ), as well as violations of the Privacy Act of 1974. It has come to my attention that XXXX shared my personal information with a third party, namely TransUnion, without a valid permissible purpose. 

The specific details of the violation are as follows : Violation of 15 USC 1681b ( Permissible Purposes ) : Unauthorized Sharing of Personal Information Lightstream, without a valid permissible purpose, shared my personal information with TransUnion. This unauthorized sharing of my personal information is in direct violation of 15 USC 1681b, which outlines the permissible purposes for which consumer information can be shared. I have not authorized XXXX to disclose my information to any third party, and this violation raises concerns about the protection of my privacy and the security of my personal data. In addition, this action may have adverse consequences on my creditworthiness and overall financial well-being. Therefore, I strongly urge XXXX to immediately cease any further sharing of my personal information with unauthorized third parties and to take appropriate measures to prevent such unauthorized disclosures in the future.

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 2023-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Apparently according to bank of america, on XX/XX/2023 they experienced a data leak, which leaked my card info. So without letting me know they purged my card and that was it. I didn't find out about this till on Monday the XXXXXXXX XXXX  XXXX, I tried to use my card only for it to be declined, and that's when I called them and found out. I called them and they send they had sent me out a new card, but they have no proof that they sent it out only saying " yeah we put it in the pick up box for the mailman. '' I asked two of their representatives to expedite my card since the new one never showed up and there's very little I can do till I get my new card i.e. rent and bills. I explained this to them and they just didn't care. They said they could charge me like XXXX XXXX  to get it expedited, and I was like No, you guys cancelled my card without telling me, it's your responsibility to make sure I get my new card. And I still haven't gotten it and it's now XX/XX/XXXX. They are just giving me the run around. I told them I never got the card they supposedly sent and basically telling me it's not their problem, when it was their systems that were breached.

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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: GA

Complaint narrative:
XX/XX/XXXX, my Lendmark Financial Account was settled for a little over {$6000.00} and was to show as settled on my credit reports. The loan that was opened XX/XX/XXXX was to be closed and merged with the loan fromXX/XX/XXXX  to be one loan. They are showing as 2 negative marks on my credit with one showing a last payment ofXX/XX/XXXX which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I do paper work on XXXX XXXX XXXX  new XXXX with price XXXX something, finance guy ask me the option and tell me around more than XXXX dollars a month .I agree after finish i never tell me my final balance in mind my around XXXX ( i am not good on math ), so when i got home have lunch and look at my paper more than XXXX. I call back a fews time, the people operator and reception ask me the reason, they don't transfer keep me on hold and some time lost connection, i have to call XXXX sale man ask finance the day on Sunday XX/XX/XXXX to remove option more than XXXX, i wait for three month later, i call XXXX Toyota to ask just me ballance they wait for dealer, i offer my copies and get denies .I call XXXX to ask him to remind finance to send paper, i would like balance to correct, i call Toyota headquarter not thing happened. i paid my bill start XXXX until now. in contrac my bill XXXX, option remove total XXXX .They know my english is bad that why rid my off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I XXXX XXXX XXXX XXXX last 4digits of my social XXXX, reviewed my Consumer Reports and noticed that I had three late payments on my XXXX XXXX account # XXXX, in XX/XX/2022, XX/XX/2022 and XX/XX/2022, that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as should be as I was Never Late. Thanks, 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 non-monetary relief
Consumer complaint received 2023-05-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I XXXX XXXX XXXX XXXX last 4digits of my social XXXX, reviewed my Consumer Reports and noticed that I had three late payments on my XXXX XXXX account # XXXX, in XX/XX/2022, XX/XX/2022 and XX/XX/2022, that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as should be as I was Never Late. Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I XXXX XXXX XXXX XXXX last 4digits of my social XXXX, reviewed my Consumer Reports and noticed that I had three late payments on my XXXX XXXX account # XXXX, in XX/XX/2022, XX/XX/2022 and XX/XX/2022, that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as should be as I was Never Late. Thanks, 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 2023-05-21 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: PR

Complaint narrative:
Experian keeps violating my rights according to the Fair Credit Reporting Act You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate. 

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

They have received my letter two times and are ignoring my disputes and not doing any investigation whatsoever, my rights are clearly being violated I demand my disputes to be processed All disputes have id, proof of adress and even my social security its pretty clear its me sending the letters, they are trying to avoid helping me and violating my rights, I will demand compensations if this persists.

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 2023-05-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
In the middle to end of XXXX I had numerous of unwanted /unknown charges to my checking account. My bank took some time to refund me some of these charges but not all. So I set up a payment for my credit card on XX/XX/2023 XXXX and it was returned due to not having all the funds returned to me by my bank so I initiated the payment again for XXXX on XX/XX/2023 and the payment was returned again due to unknown charges to my checking. I resolved the issue with my bank and had the funds back in my account. So I Initiated the payment for the 3rd time on XX/XX/2023 and it went through and processed. I spoke to a representative with the XXXX XXXX XXXX company and she states she didn't see that payment on the account and that I needed to send them my bank statement to show a payment was made. So a week later I spoke to another representative she states she sees where the payment goes through. Of course I incurred late fees do to this debacle. So I proceed to check the app and after the payment was credited it says I had a payment do for the following month of XXXX and I made a payment of XXXX on XX/XX/2023. A few weeks later I received a ding on my credit report that I was marked 30 past due or missed payment with this XXXX  XXXX while I'm continously making payments. I'm making payments and still receiving late fees so i feel like I will never get to pay this card off because of unnecessary compounding fees. I've spoken to numbers of representatives and they state they can't help me because that was a system generated problem and that they will refer me to the back office to have them look at my statements but nothing has been done. Please help! I feel this is very unfair.

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 2023-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Reliant Home Funding, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I closed on a home, in PA, with my husband. Our mortgage lender was Reliant home funding and XXXX XXXX was our loan originator. We emailed and questioned him, on XX/XX/XXXX regarding our mortgage interest rate and closing which did not match the rates advertised, on their company website. Our proper interest rate factoring our credit scores, as per their website should have been 5.5 %. XXXX XXXX advised us to disregard their websites and only 20 % down is considered acceptable to get that lower interest rate although this was not mentioned on their website. We also paid over {$4900.00} for mortgage points which was not applied explicitly. 
Furthermore, our original signature closing Promissory note document was lost by XXXX XXXXXXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I inquired about the lost closing Promissory note document, over the phone, at about XXXX, with XXXX XXXX who then violently slammed the phone, on me for daring to ask about the lost closing document. I saw a return call from him at XXXX which i declined to answer after the phone slamming. On XX/XX/XXXX, I called the Reliant Home funding office, to complain about XXXX 's home closing evasion and rudeness. The supervisor named XXXX on XX/XX/XXXX also refused to take my complaints, on the lost closing documents and XXXXXXXX XXXX behavior and told me to get a " lawyer to get his email ''. XXXX XXXX did send me a photo copy of the closing document not a color photo original. I feel these deceptive practices on the closing and interest rate are motivated by my racial alignment and gender. Our mortgage debt was of course sold to ( XXXX XXXX ) to hide facts although it is their right to sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: MN

Complaint narrative:
This is a complaint against Western Union : I made a money transfer to XXXX of {$2000.00} on XX/XX/2023 and was charged a transfer fee of {$170.00}. I made the same kind of transfer on XX/XX/2023 for {$2000.00} to the same recipient and was charged a transfer fee of {$50.00}. My question ( which was not answered by the company when I called to find out ) is why the increase of {$120.00}?

Company response to consumer: Closed with explanation