vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valer Enterprises, Inc
State: NY

Complaint narrative:
I am a victim of identity theft. I already reported it to Federal Trade Commission. 
Debt collectors company name : Valer Enterprises INC Company Address : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Company # : XXXX XXXX  XXXX License # : XXXX On XX/XX/XXXX - i received a letter from Valer Enterprises, INC. regarding an alleged debt amounting to {$2500.00} from XXXX XXXX. 

On XX/XX/XXXX- Valer Enterprises, INC. received my response telling them that i do not owe the debt and that i am a victim of identity theft. And they should dispute the debt because i do not owe it. I requested for following information to be provided to me. 
-amount of alleged debt -full name and address of the creditor -any judgement/documentation showing they have verified that i am responsible for the debt -documentation showing they are license to collect a debt On XX/XX/XXXX, XXXX they sent a letter with enclosed verification that i requested. However, i found it odd that all the evidences they sent me looks fake. There are names that i do not know and bank account that i do not have. 

I called XXXX to verify their license and i was told that their license expired XXXX and they are not allowed to operate and to just disregard their letters. They have been calling me everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: EQUIFAX, 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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing the following information items. 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: 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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing the following information items. 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.

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 2023-08-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing a Discharged XXXX Bankruptcy with Equifax Credit Agency and the information they sent me in the mail stating : The Result of Our Reinvestigation Public Record Information This section includes public record items Equifax obtained from local, state, and federal courts through a third-party vendor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I have contacted XXXX XXXX they sent me a copy of my report with them there is no Bankruptcy on my report at all with XXXX XXXX and it's dated XX/XX/2023 that's the third-party company that Equifax uses. I need Equifax to stop with the lies and games and delete the items entirely off the report since you use XXXX that's on the letter you sent me because what they are telling the consumer on paper and over the phone are lies and I have the proof to show you. I am going to seek legal consultation about Equifax and these lies. You send information to consumers with the results showing XXXX provided you with the information and then on the phone it's a different story those are lies plus you can't do that period

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: Kikoff Inc.
State: VA

Complaint narrative:
Earlier this year XX/XX/23. A complaint was made about two fraudulent Kickoff accounts that was a secured loan and Kickoff charge off account that was reporting on my XXXX, XXXX and XXXX credit report. Both accounts was successfully removed from my XXXX account, but never removed from my XXXX nor XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
After filing my original complaint with the company about the two issues I had the man who called me argued with me to try and do his job for him, he asked me specific dates regarding the calls where they wouldn't take my payments and the call where the company told me because I was XXXX  I can do a repayment plan and they would fix the credit report which never happend again and again.. This man basically told me he needed specific dates from years ago to review the calls and said he would need proof and more information regarding my XXXX.. to my knowledge you already accepted my repayment plan in the beginning and YOUR company told me something your company now refuses to honor.., its his job to go and review those calls not myself and it was over 4 years ago how can i give you a specific date from 4 year ago i gave you a date range why don't you go do YOUR job and review those call periods?? .. he told me " no he wouldn't be doing that ''?? it's a simple request and he refused on all grounds and told me it wasn't his problem that the company they sold my loan too didn't have the forbearance documentation from covid.. well whos fault is it mine?? I never even signed a forbearance plan YOU just said I'm on it and i don't need to make payments.. So after you refused to take my payments and when you did sell the loan you just happen to forget to mention the most important part of the loan? I don't believe that was a mistake at all ... and I was forced to pay a Lump sum to the XXXX XXXX XXXX to keep my house which I also found out was not true from this website where is says you have to offer payment plans.. i was never offered anything like that, I was told pay or good-bye house..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
After filing my original complaint with the company about the two issues I had the man who called me argued with me to try and do his job for him, he asked me specific dates regarding the calls where they wouldn't take my payments and the call where the company told me because I was XXXX  I can do a repayment plan and they would fix the credit report which never happend again and again.. This man basically told me he needed specific dates from years ago to review the calls and said he would need proof and more information regarding my XXXX.. to my knowledge you already accepted my repayment plan in the beginning and YOUR company told me something your company now refuses to honor.., its his job to go and review those calls not myself and it was over 4 years ago how can i give you a specific date from 4 year ago i gave you a date range why don't you go do YOUR job and review those call periods?? .. he told me " no he wouldn't be doing that ''?? it's a simple request and he refused on all grounds and told me it wasn't his problem that the company they sold my loan too didn't have the forbearance documentation from covid.. well whos fault is it mine?? I never even signed a forbearance plan YOU just said I'm on it and i don't need to make payments.. So after you refused to take my payments and when you did sell the loan you just happen to forget to mention the most important part of the loan? I don't believe that was a mistake at all ... and I was forced to pay a Lump sum to the XXXX XXXX XXXX to keep my house which I also found out was not true from this website where is says you have to offer payment plans.. i was never offered anything like that, I was told pay or good-bye house..

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 2023-08-16 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act Nordstrom Card Services and Target Card Services, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a147.2K open end consumer credit plan as late for any purpose.

527 1

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased a car from US Auto sales in XXXX Ga in XX/XX/XXXX. Was making my payment until XX/XX/XXXX I went on the link to pay online and the link did not work. I went to the website and it did not work. I could not get in touch with them so I checked my email to see if I had missed anything. The only correspondence on the matter was them denying the closure of the dealership stating that it was only temporary. That email was sent in XXXX but either I missed it or it was in junk mail. I started getting calls from Westlake Portfolio management requesting payments on the vehicle. I had no idea who they were as I did not buy my car from them and had no agreements with them. I asked for them to send me something official like a new contract. They would only send a bill and said there was no new contract. I felt there has to be a new agreement for me to sign if I am to now pay them. I logged into a link they sent me for the account. The balance was wrong, there was no past payment history and they are adding daily interest onto the loan which already includes interest and a service agreement they say they can't honor nor will they take off that amount. They are not lien holders on my vehicle says the dmv. They have repossessed my vehicle and sent me a letter saying that I broke the agreement and they are selling the car. If they don't make enough to cover the amount owed, they say I will still owe the remainder. I feel the whole situation is wrong. I never entered into an agreement with Westlake. The terms of my US Auto contract was not the same as Westlake. The starting balance on my vehicle according to my credit report was {$19000.00}. I paid {$200.00} every two weeks from XXXX XXXXand they said my balance is still over $ XXXX does not add up. My complaint is with US Auto Sales and Westlake Portfolio Management. After they picked up my car they gave my husband and I both wrong phone numbers to the tow company so we could get our personal belongings out of the car. I had to call the police department and they gave me the number to the tow company and I am now able to pick up my things.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
I tried getting insurance for the XXXX  homes I own. The homes are XXXX miles apart and both suffered hail damage. My XXXX XXXX home has damage in XXXX while my XXXX XXXX home had damage in XXXX. Now I am ineligible for getting insurance because Ive had 2 claims. These homes are XXXX miles apart. The insurances, XXXX XXXX, says Ive had 2 hail events therefore I can o t be insured. In addition my identity was stolen in XXXX and Im still dealing with the fallout and damage to my credit score. I am way above average in net worth, yet I cant get insurance for my houses. I need help Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX is reporting credit inquires on my consumer report without permisable purpose. I want this reporting agency to provide me with proof of this. Credit inquirys are listed below : XXXX XXXX ( bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX ( bank ) XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: 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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing the following information items. 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

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 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, since I've signed up with JP Morgan Chase bank. They've been charging my account a {$34.00} fee when my account reaches a negative balance. I have looked at my bank statements from XXXX till now. I called to see if I can get that waived and they said NO, They've only allowed you three reversals a year. which I find unfair. How can you charge me for my account being negative even after money gets deposited into my account to keep it in good standing. I've went over my bank statements and wrote down the months and years I was charged {$34.00} after my account went low as XXXX. I do have bank statements that shows this information as well. 

Year XXXX XXXX {$100.00} XXXX {$34.00} XXXX {$130.00} XXXX {$34.00} XXXX {$68.00} XXXX {$34.00} Year XXXX XXXX {$100.00} XXXX XXXX {$68.00} XXXX {$100.00} XXXX {$100.00} XXXX {$34.00} XXXX {$100.00} XXXX {$270.00} XXXX {$34.00} Year XXXX XXXX {$100.00} XXXX XXXX XXXX {$34.00} XXXX {$340.00} XXXX {$34.00} That's money I could've use on my own businesses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have placed fraud alerts on all of my accounts and have also frozen all of my accounts with the credit bureaus after someone tried to open bank accounts using my information and after ordering my credit reports this year, I noticed a ton of inquiries pertaining to auto financing. I attempted to dispute these inquiries with 2 of the bureaus so far both online and over the phone and only one has removed these fraudulent and unauthorized inquiries from my account. Equifax refuses to remove them stating that they are verified which is not true. I have not applied or attempted to apply for an auto loan as I have had an auto loan through another company since XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I bank with XXXX so I rely on brick and mortar banks to withdraw cash. On XX/XX/2023 around XXXX, I withdrew money from the Wells Fargo XXXX ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I selected {$250.00} to withdraw but only received {$200.00} with no receipt. 

I drove my car around to the front and parked. I first opened my XXXX account to confirm the amount withdrawn. It said {$250.00} ( the {$250.00} + {$3.00} ATM fee ). Then I went inside to report what happened to a human. 

I waited in line for XXXX minutes, then spoke to a teller and his colleague who asked me a few questions then provided me a business card. I was told ATMs are handled by a third party, so there is nothing anybody in the bank could do to help, and that I need to report it to that number. 

At XXXX, I went to my car and called the number on the card. I was told that I need to dispute this with my own bank as they couldn't do anything to help me since I'm not a Wells Fargo customer. At XXXX, I called XXXX and opened a dispute claim. 

On Wednesday, XX/XX/XXXX, I was notified that the investigation was completed and denied. Wells Fargo provided a paper copy of their records that the correct amount was distributed. 

I called XXXX at XXXX to follow-up, asking if they are able to ask for video evidence, as that would prove the full amount was not dispensed. I was told I need to talk to Wells Fargo as XXXX will not re-open the case without additional evidence. 

I called Wells Fargo at XXXX. I was told again and again that they can not help me unless I am either ( a ) a Wells Fargo customer; or ( b ) the bank. I was told I need to talk to my own bank for any further action. 

I called XXXX again at XXXX and explained that Wells Fargo is not willing to work with me since I'm not a customer, but would work with the bank. I asked if they are able to ask Wells Fargo for the video, as I have the exact date, time, and location of the ATM withdrawal. The XXXX agent told me again that the case will not re-open without additional evidence from myself. 

Now I am filing a complaint with CFPB against Wells Fargo.

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