vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
Santander consumer USA are predatory lenders. I bought a {$12000.00} used vehicle and so far have paid {$15000.00} in interest and only {$10000.00} towards the principle. I still have another {$5500.00} to pay until the vehicle is paid off. They also have messed with my title. I originally purchased the vehicle in Florida and moved to Tennessee. Tennessee had sent them a letter asking for the title and the still have not provided Tennessee with the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 I have the right to privacy. Under 15 USC 1604 Section 2 a consumer can not report a personal financial account without my approval. 15 USC 1666B a credit agency can not report my account as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: DC

Complaint narrative:
Complaints regarding XXXX XXXX inaccurate reporting were submitted to the CFPB on XX/XX/XXXX ( # XXXX and on XX/XX/XXXX ( # XXXX ). XXXX XXXX has provided a response ; however, the response is insufficient. The response from XXXX XXXX does not provide an explanation for the concerns raised in the complaint ; specifically, an explanation as to how late payments incurred in XX/XX/XXXX and XX/XX/XXXX after the account was closed and had a {$0.00} balance in XXXX and XX/XX/XXXX. 

Accordingly, I continue to dispute the inaccurate reporting of two late payments being reported by XXXX XXXX. I am again requesting an explanation as to how an account that was closed, with a {$0.00} balance for several months could owe a minimum payment on the account, several months after the account was closed. If XXXX XXXX is unable to sufficiently explain this issue and address this concern with factual information and adequate supporting documentation, then the inaccurate, derogatory information must be removed in accordance with Federal guidelines. 

In a letter dated XXXX XXXX XXXX indicated the following, In regard to the delinquencies that have been reported on your account, our records show the following billing and payment activity : On XX/XX/XXXX, the account billed with a minimum payment of {$20.00} due by XX/XX/XXXX However, what XXXX XXXX fails to acknowledge is that the minimum payment due by XX/XX/XXXX is where the inaccuracy begins. 

XXXX XXXX also fails to acknowledge that, per their own records, the balance on the account as of XX/XX/XXXX was - {$75.00}. As a result of adjustments, albeit inaccurate, as of XX/XX/XXXX the account balance was {$0.00}. At that point, the account was already closed ; therefore, after the account was closed in XX/XX/XXXX and the balance on the account was showing {$0.00} in XX/XX/XXXX, no additional charges could have been made by the cardholder. Therefore, there should have been {$0.00} minimum payment due by XX/XX/XXXX. There was no balance on the account to owe a minimum payment on. 

XXXX XXXX failed to provide any statements between XX/XX/XXXX and XX/XX/XXXX to support their assertion that the account had an outstanding balance which would have required a minimum payment due in XX/XX/XXXX. 

Therefore, XXXX XXXX reporting of late payments in XXXX and XX/XX/XXXX are inaccurate. The continued reporting of inaccurate, derogatory information is a blatant violation of Section 623 of the Fair Credit Reporting Act.

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 2023-09-05 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: DC

Complaint narrative:
Complaints regarding XXXX XXXX inaccurate reporting were submitted to the CFPB on XX/XX/XXXX ( # XXXX and on XX/XX/XXXX ( # XXXX ). XXXX XXXX has provided a response ; however, the response is insufficient. The response from XXXX XXXX does not provide an explanation for the concerns raised in the complaint ; specifically, an explanation as to how late payments incurred in XX/XX/XXXX and XX/XX/XXXX after the account was closed and had a {$0.00} balance in XXXX and XX/XX/XXXX. 

Accordingly, I continue to dispute the inaccurate reporting of two late payments being reported by XXXX XXXX. I am again requesting an explanation as to how an account that was closed, with a {$0.00} balance for several months could owe a minimum payment on the account, several months after the account was closed. If XXXX XXXX is unable to sufficiently explain this issue and address this concern with factual information and adequate supporting documentation, then the inaccurate, derogatory information must be removed in accordance with Federal guidelines. 

In a letter dated XXXX XXXX XXXX  indicated the following, In regard to the delinquencies that have been reported on your account, our records show the following billing and payment activity : On XX/XX/XXXX, the account billed with a minimum payment of {$20.00} due by XX/XX/XXXX However, what XXXX XXXX fails to acknowledge is that the minimum payment due by XX/XX/XXXX is where the inaccuracy begins. 

XXXX XXXX also fails to acknowledge that, per their own records, the balance on the account as of XX/XX/XXXX was - {$75.00}. As a result of adjustments, albeit inaccurate, as of XX/XX/XXXX the account balance was {$0.00}. At that point, the account was already closed ; therefore, after the account was closed in XX/XX/XXXX and the balance on the account was showing {$0.00} in XX/XX/XXXX, no additional charges could have been made by the cardholder. Therefore, there should have been {$0.00} minimum payment due by XX/XX/XXXX. There was no balance on the account to owe a minimum payment on. 

XXXX XXXX failed to provide any statements between XX/XX/XXXX and XX/XX/XXXX to support their assertion that the account had an outstanding balance which would have required a minimum payment due in XX/XX/XXXX. 

Therefore, XXXX XXXX reporting of late payments in XXXX and XX/XX/XXXX are inaccurate. The continued reporting of inaccurate, derogatory information is a blatant violation of Section 623 of the Fair Credit Reporting Act.

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 2023-09-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: WA

Complaint narrative:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: WA

Complaint narrative:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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:
US AUTO SALES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I Was purchasing a car from US Auto Sales on XX/XX/2023 after receiving the car XX/XX/2023 i was trying to get back with US AUTO SALES because the car was cutting off and horn didn't work.. and they sent me to a transmission shop and it had a bad transmission problem so I was trying to trade for another car and they closed there business all in ga .. and I'm not satisfied I'm disable with a co signer having a XXXX loan and the car was XXXX and after paying the down XXXX it was XXXX i was not suppose to pay no money on a loan 15 usc 1605 determine of financing charges. I was not suppose to pay no cash and the loan was XXXX not XXXX but they are both too high for a lemon car..I haven't rode in the car its Ben in the shop.. and I need to get it remove off my credit report .15 usc 1692A and I'm trying to be added to the lawsuit they have with us auto salXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: NC

Complaint narrative:
I was reviewing my credit report and seen there was a charge off from your company. 

ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX Please provide proof of : XXXX ) The Original Contract with my wet signature applied to it XXXX ) The Creditor Information ( Name, address, and phone number ) XXXX ) The Payment History and the itemized billing associated with the account XXXX ) Proof that you XXXX XXXX XXXXXXXX XXXX XXXX XXXX are authorized to collect the debt from me. 

If proof is not provided delete this inaccuracy from my credit 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 explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX my checking account at Bank of America had over {$1000.00}. That month I received a new debit card in the mail when I tried to use it the balance was XXXX. My bank statement came and all it said was debit account XXXX. I have been to bank and inquired, I was told the IRS must have taken it. I went to IRS and they knew nothing and they told me if they took it they leave a notification explaining why and what to do. I went back to bank and now XXXX told I can not file a claim or even look into because they force closed my account in XX/XX/XXXX and they have no access. I have been getting the run around each and every time I go into or call bank. The bank closed my account cause of bank charges and overdrafts from the money they took I became homeless due to this

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 2023-09-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I was given a gift card for {$250.00} from US BANK sold at XXXX XXXX XXXX. I tried to use the gift card at XXXX. It was declined multiple times. A call to customer services requested I send fax documents. I faxed the documents multiple times, they were rejected for reasons beyond my control. They refuse to reactivate the card or send a replacement. I send a copy of front/ back of my Driver License and a copy of the front and back of the gift card to show proof of ownership.

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 2023-09-05 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The accounts are due t identity fraud/theft therefore i am not responsible nor liable for them. Per 15 usc 1681 b the companies and bureaus are violating my rights as a consumer and i am requesting that these accounts be removed, blocked, and deleted 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 2023-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I have 2 outstanding issues : 1 ) In XXXX of 2023 I applied to have my PMI payment removed. In XXXX, Huntington Bank had an appraisal done on property which came out to {$700000.00}. My XXXX statement balance is {$540.00}, XXXX. That means that my LTV is 77.7 %, below the 80 % threshold. I was denied removal of PMI on the basis I did not provide evidence of value, even though Huntington ordered the appraisal. 

2 ) In XXXX of XXXX Huntington paid my property taxes out of escrow in the amount of {$12000.00}. This was correct. However, another lender of another pin in my building also paid my taxes using my PIN instead of the one they should have been using. The taxing authority, XXXX XXXX, credited my escrow in error for {$12000.00} in XXXX of 2023. A third party, XXXX, is now attempting to collect that amount and threatening to send me to collections. This amount is sitting in my escrow, and in a phone call on XX/XX/2023 Huntington agreed to pay XXXX this amount. Instead, they did not pay XXXX  and performed an escrow analysis and sent me a check for {$1900.00} and raised my mortgage payment from {$2900.00} to {$3700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX {$5000.00} was transferred from my sons checking account to my business account. 
I did not authorize that transaction. 
XXXX Zelle transactions were taken from the account to take the {$5000.00} out. These transactions were not authorized. 

The bank denied my fraud claim and Zelle could not be reached to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I examined my credit report and found that a late payment dated XX/XX/2023 from Capital One. 

According to Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A " late payment is consider a transaction ''. 

Account Name : Capital One Account Number : XXXX Please Update this transaction on XXXX XXXX XXXX  to current/terms met. It is affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief