vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 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: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
I HAVE HARD INQUIRIES THAT I DIDNT NOT AGRRE TO NOR HAVE KNOWLEDGE OF WITHOUT MY CONSENT THAT CAUSED MY VREDIT TO DROP IN A BAD SPARROW AND I NEED TO GET THEM ALL WIPED AWAY ASAP BECAUSE OF HINDERING ME FROM THINGS I CANT POSSIBLY DO SUCH AS GET A HOUSE OR A VEHICLE IVE BEEN TRYINGBTO GET YHIS UNDER CONTROL FOR THE LAST FEE YEARS NOW THAT I HAVE THE RIGHT RESOURCES AND TOOLS ILL LIKE TO CARRYON ON GETTING MYBTHINGS IN ORDER FOR OTHER PARTNERSHIP TO MAKE MY LIFE BETTER HOW I PLANNED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
I had a problem gaining unemployment funds from the state of Louisiana and after waiting over far over 60 days I finally was granted an appeal and it was decided that I was owed unemployment back pay for over two months. A sum over {$2000.00}! Finally Well, you can understand that I needed to pay my landlord from these funds when the 1st of the month came, so on XX/XX/year> I initiated a transfer from my unemployment card ( administered by US Bank as a debit card ) to send {$970.00} to my XXXX XXXX  account on my debit card, which is where I get my direct deposits from work without any problems. 

No one told me this bank card is firewalled off XXXX and prohibited from contacting my bank account associated with my XXXX debit card account. I have followed every procedure, nothing is mysterious about this failed transaction but US Bank is dragging their heels in reversing the refused transaction. 

I have done the tracing number routine w/ both parties. XXXX has never seen the money on their money transfer docket. I certainly never saw a cent from this attempted transaction. The money went exactly nowhere. There is no compelling reason why US Bank can not just reclaim my {$970.00} as I began the transfer on a Monday morning, XX/XX/XXXX and here it is 28 days later on a Monday, XX/XX/XXXX and US Bank has not reinstalled my missing {$970.00} This is completely unacceptable! US Bank said last week that they would need to conduct a XXXX day investigation of where my funds went. This is the dumbest, most outrageous laziness & obstinance I have ever encountered. 

It isnt my fault that, for whatever reason between XXXX and the XXXX of Louisiana that unemployment funds may never be transferred between these two financial entities. Nothing dreadful or scheming happened, and after a month ( especially since the state of Louisiana screwed up my initial unemployment funds resulting in back pay of over {$2.00} to begin this problem! ) I deserve my {$970.00} put immediately back into my US Bank card!

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 2024-07-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: KY

Complaint narrative:
Dear Westlake Financial, I hope this message finds you well. My name is XXXX XXXX, and I am writing to formally request a signed and notarized statement from Westlake Financial confirming that no debts are owed in relation to the contract associated with VIN XXXX, a XXXX  XXXX XXXX. Additionally, I request confirmation that no lien should be recorded on the title of the vehicle. This request is urgent due to a court order issued by a judge, requiring me to obtain this statement from Westlake Financial. The situation arose from a dealership closure where an error was made on the buyer certificate paperwork, incorrectly listing Westlake Financial as the lender. To rectify this issue promptly and to comply with legal requirements, I kindly ask that Westlake Financial provide the requested documentation at your earliest convenience. 

Please send the signed and notarized statement to the following fax number : XXXX Fax XXXX. You may also reach me via email at XXXX for any correspondence related to this matter. Please let me know if there are any specific forms or procedures I need to follow to facilitate this request. Your prompt attention to this matter would be greatly appreciated. Thank you for your cooperation and assistance. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I callled Wakefield after of countless times of trying to dispute off my credit file. I asked for the original purchase contract or signed documents they said they didnt have the information so how can they report to XXXX XXXX and XXXX as accurate & verified when they dont have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: PA

Complaint narrative:
In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 
15 USC 1681 section 602a States I have rights 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 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.

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 2024-07-01 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 a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 
15 USC 1681 section 602a States I have rights 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 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.

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 2024-07-01 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: TN

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
After a thorough review of my credit report, I have identified the following inquiries that I did not authorize and request their immediate removal : 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 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 2024-07-01 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: PA

Complaint narrative:
In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

15 USC 1681 section 602a States I have rights 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 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: TX

Complaint narrative:
I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: WV

Complaint narrative:
My husband and I purchased the vehicle in question using GM Financial. We used it for a trade with the idea that we had finished paying off the vehicle when we traded it in. We received the Title of the car and gave it to the dealership. This was in XXXX OF XXXX. We have completely moved on and never saw anything from GM Finance. And we check our credit all the time and just recently purchased a new car and nothing came back on our credit. 
We are working with our bank and had our credit report run and found there is a Charge-off for the car from GM Finance XXXX XX/XX/year>!! Stating that we still owe them money, that we never paid them. We called as soon as we got the report from our bank. We were transferred several times to be told a different answer every time. We were told it was paid off by the new loan when we purchased our new car when we traded it in and received the title, then told that we owed nothing and then that we still owed BUT COULD NOT PAY. We were transferred many times, asking for the call to be escalated to someone who could give us a clear response however we continued to receive conflicting responses. Any way you look at this, the information was not told to us and was not placed on our credit report until this year. Three years after the trade in of the car and receiving of the Title. And no one is allowing us to try and fix it when we have made attempts to. Yes we struggled when we had the car but we have been in a much better place financially and worked diligently to clean up our finances and our credit report. And we are finding it more and more frustrating when there are still companies that are still allowed to do whatever they want and have no oversight. Especially when people are trying. I appreciate your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I HAVE HARD INQUIRIES THAT I DIDNT NOT AGRRE TO NOR HAVE KNOWLEDGE OF WITHOUT MY CONSENT THAT CAUSED MY VREDIT TO DROP IN A BAD SPARROW AND I NEED TO GET THEM ALL WIPED AWAY ASAP BECAUSE OF HINDERING ME FROM THINGS I CANT POSSIBLY DO SUCH AS GET A HOUSE OR A VEHICLE IVE BEEN TRYINGBTO GET YHIS UNDER CONTROL FOR THE LAST FEE YEARS NOW THAT I HAVE THE RIGHT RESOURCES AND TOOLS ILL LIKE TO CARRYON ON GETTING MYBTHINGS IN ORDER FOR OTHER PARTNERSHIP TO MAKE MY LIFE BETTER HOW I PLANNED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: Nevada Professional Collections Texas
State: TX

Complaint narrative:
I HAVE HARD INQUIRIES THAT I DIDNT NOT AGRRE TO NOR HAVE KNOWLEDGE OF WITHOUT MY CONSENT THAT CAUSED MY VREDIT TO DROP IN A BAD SPARROW AND I NEED TO GET THEM ALL WIPED AWAY ASAP BECAUSE OF HINDERING ME FROM THINGS I CANT POSSIBLY DO SUCH AS GET A HOUSE OR A VEHICLE IVE BEEN TRYINGBTO GET YHIS UNDER CONTROL FOR THE LAST FEE YEARS NOW THAT I HAVE THE RIGHT RESOURCES AND TOOLS ILL LIKE TO CARRYON ON GETTING MYBTHINGS IN ORDER FOR OTHER PARTNERSHIP TO MAKE MY LIFE BETTER HOW I PLANNED IT.

Company response to consumer: Untimely response
Consumer complaint received 2024-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/year>, I contacted Capital One Customer Service about submitting a Wire Transfer from my personal checking account to my personal account on XXXX XXXX, I was told by the Customer service Representative to go ahead and submit the transfer request through the bank 's website which I did. 

Later that day the bank 's Fraud and Customer Protection Department called me and asked several questions about the transfer.

At the end of the call, they informed they had a mad e decision to close the account. Also, that my " good funds '' would be returned 7-10 days after they complete their investigation and close the account. 

On XX/XX/year>, I called to determine the status on the return of my funds and they would not provide any further information. 
The banks ' arbitrary and capricious decision to hold my money for no valid reason is causing me significant financial and emotional duress. 
I am unable to pay my bills because of this fraud perpetrated by Capilal One.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my

federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told/informed Exper
ian, XXXX, and XXXX to reinvestigate and or remove these accounts : - FRAUDULENT ACCOUNTS : XXXX. XXXX XXXX > {$9700.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. DEPT OF EDXXXX XXXX {$2800.00} XXXX!! 
* Account # : XXXX * Date Opened : XX/XX/XXXX 3. DEPT OF EDXXXX XXXX {$3500.00} XXXX!! 
* Account # : XXXX * Date Opened : XX/XX/XXXX 4. DEPT OF EDXXXX XXXX {$3100.00} XXXX!! 
* Account # : XXXX * Date Opened : XX/XX/XXXX 5. DEPT OF EDXXXX XXXX {$7600.00} * Account # : XXXX * Date Opened : XX/XX/XXXX - FRAUDULENT HARD INQUIRIES : XXXX. XXXX * Date Opened : XXXX, XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681.

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
Good leap Finacial approved for a loan to do solar and XXXX contractor fail to perform the solar, the contractor redid the contract. see attachements i filed a complaint against the Contractor and email and certified letter to Good leap not to pay the contractor but my email and letter was ignore. 
Good Leap never contacted me to open the account, never contacted me to signed any paperwork, never contacted to verified that the work is all completed before realizing the payments. 

since XX/XX/XXXX my lawyers WestonlawPC has been in contact with XXXX XXXX XXXX XXXX lawyer and my lawyers asking to hold off on any invoicing since work has not completed. see emails. 

also, i am attaching all communication that the works has not been completed and the i emailed XXXX XXXX Executive Vice president of Good leap to hold off on payments back on XXXX of XX/XX/XXXX with no response.also letteing her know that the contract was for a different amount that was financed {$47000.00} not {$55000.00} since the contract was change. 

XXXX Cassettes were installed wrong from, XXXX  condensers were installed wrong all this happened in XXXX and never corrected, finishing installing some other items but never had this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I was looking at my credit report and noticed that there are hard inquiries that are not mine on there.

Company response to consumer: Closed with non-monetary relief