vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I currently have my vehicle loan with Westlake Financial, with a balance as of today of {$23000.00}, for which I have duly paid 14 installments, as can be verified. Since XXXX, I have tried to communicate with the entity because they have refused to report my credit information to the various credit bureaus. On several occasions, I have contacted them by phone, and the customer service supervisors state that they will not report the financial information ( current credit, payment behavior ) because my social security has the initials of a work permit. I expressed my disagreement because at no time does financial information law exclude people who have a social security number with a work permit. There is no regulation that establishes these conditions that Westlake Financial invents. This situation is affecting me and my family, as it is well known that credit is an essential tool since it is through this that banking entities obtain information to grant mortgage loans, housing loans, student loans, and others. I currently enjoy an excellent credit status due to my banking relationship with different financial entities. However, the reason for my complaint against this entity is that they state that they will not report my vehicle credit information because I do not meet the requirements they have set. Likewise, it is disrespectful that they refuse to receive the complaints and claims I have made, as all their agents have told me that they can not escalate my case and that they can do nothing for me. 

Now, I emphasize again with the entity, on the point of current legislation, because the entity can not exclude me from reporting my credit information due to its internal policies. In the law or all the international treaties signed by the United States, there is no exclusion for people to report their financial information to credit bureaus for having a social security number with work permit initials. Moreover, as a financial consumer, the entities could not qualify my immigration status and thereby exclude me. It is a matter strictly for government entities responsible for immigration statuses who could exclude me. However, obtaining a social security number, even though it comes with a work permit initial, does not mean that I can not enjoy all the financial benefits that the law grants me, including obtaining financing from financial entities. This constitutes a clear violation of my fundamental rights as a financial consumer by the entity. It is for these reasons that I file this complaint, in order to make Westlake Financial report my vehicle credit, which is associated with account No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: FL

Complaint narrative:
XXXX, TransUnion, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, TransUnion, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, TransUnion, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, TransUnion, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form 211 treasury OMB form to audit consumers account. XXXX, XXXX, and TransUnion are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
XXXX XXXX  XXXX Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.

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 2024-03-07 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: FL

Complaint narrative:
Equifax, XXXX, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting Equifax, XXXX, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. Equifax, XXXX, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If Equifax, XXXX, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form 211 treasury OMB form to audit consumers account. Equifax, XXXX, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
XXXXXXXX XXXX XXXXXXXX Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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:
Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I regard this matter with utmost seriousness. Should you fail to address my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I hereby request a thorough reexamination of the following information and ask for evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Should you be unable to provide such evidence, I demand the immediate removal of these items from my report.

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 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: WI

Complaint narrative:
My account was hacked and I disputed transactions. They told me it would be XXXX hours on XX/XX/XXXX. They froze my account that day as well. I was credited the money back onto my account but my account is still frozen. I have called every day since the time they told me and they keep giving me the run around. I had explained to them that I was moving out of state and that I have XXXX children and this money is all I have until I start my new job. They just keep telling me that I have to continue to wait even though its been a week and 2 days and I actually had XXXX guy hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: PA

Complaint narrative:
American first finance charges 139 % apr and only {$9.00} was applied to my principal and the rest to the interest. When I called the representative to ask about the apr she then asked if I would like to make a complaint. That is all the she said this kind of loan is extremely predatorily for low income familys.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I was contacted XX/XX/XXXX by a man online looking to buy a mattress I had posted for sale for {$200.00}. The man sent me a check via email for {$1400.00}, which I deposited on XX/XX/XXXX, and after subtracting my selling fee I was to give the remainder to movers the man said he had hired to transport my mattress. I sent a XXXX transfer of {$1200.00} on XXXX to the person I was told would be moving the mattress. The man never showed to pick up the mattress and did not reply to messages or calls I sent afterwards. On XXXX my account was debited {$1400.00} for descriptive forgery. I didnt realize this had happened until trying and failing to use my debit card at the store, after which I called my bank on XX/XX/XXXX to see what the problem was. I was simply told that the check had bounced due to it being a fraudulent check, and after asking if I could be refunded in order to pay my bills I was told there was nothing they could do on my behalf. They recommended I try and get in touch with the initial man I had spoken to or reach out to the police to make a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bilateral Credit Corp, LLC
State: GA

Complaint narrative:
1. A Debt collection notice was received on XX/XX/2024. 
2. A phone call was received on XX/XX/2024 from the agency and there was no mention of financial obligation or money owed, but asked for return of a company laptop. For which I have indicated that I need to go into the office and I am out of town. I will be returning week of XX/XX/2024.

3. He threatened to me to derogatory information on my credit file and it will stay for 7 years. 
4. I went into the office on XX/XX/2024, resolved the issue with IT Dept, mailed the laptop on the same day. 
5. I have called the Debt collector contacted on XX/XX/2024to inform that the laptop is received by the company on XX/XX/2024, at 9 AM. 
6. He indicated to me that he has put derogatory information on my credit report. He asked me to send me the confirmation, which I have sent to him. I pulled the credit report to see what is wrong and found XXXX had a debt of {$150.00}. There is no financial obligation that is communicated to me by my company either with an invoice or statement or in any other form. 
7. I have sent an email asking for valid basis for debt of {$150.00}, which he has not. provided. He indicated that FDCPB guidelines do not apply to me. 
8. I have disputed the amount with Debt Collector on the XX/XX/2024 in writing, but he has indicated that they do not need 30 days to validate the debt. I have until XX/XX/2024 to dispute the debt. 
9. On XX/XX/2024, the company has indicated that they will no longer respond to me, but only to my legal counsel. 
10. The following communication was sent on XX/XX/2024 to the Debt Collector and his response was good luck and I do not have any rights. 
Please provide the basis for {$150.00} debt that is owed to XXXX. 
Please provide a statement or notice of {$150.00} obligation mailed to me prior to arrival of your postal mail on XX/XX/2024 Had it been communicated to me ; I would have resolved it with XXXX. 
Any written/postal communication of this financial obligation prior to XX/XX/2024. 
Any phone calls informing of this financial obligation. There is an assigned HR Co-Ordinator postemployment, which he indicated to reach out to him for any questions and indicated that he will reach out to me regarding any matters related to XXXX, post-employment. 
Without a signed contract for the financial obligation, without a civil judgement against me, how can you claim this financial obligation? 
I dispute that I owe any money to XXXX. I was following instructions provided to me. 
Also, please show a proof that this financial obligation, if any exists, is assigned to Bilateral. 
On your XX/XX/2024 call, you have threatened me to report this debt to Credit Bureau and ruin my credit for 7 years, while I am disputing the debt within 8 days of your communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I took a look at my credit report and noticed some accounts on there that were not mine. I believe someone has access to my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: GA

Complaint narrative:
I took a look at my credit report and noticed some accounts on there that were not mine. I believe someone has access to my credit information.

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 2024-03-07 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: NC

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Attached you will also find my ID, and Proof of Address with my most recent bill. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Don't close this complaint with a reason that I need to prove my identity. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-03-07 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: NC

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Attached you will also find my ID, and Proof of Address with my most recent bill. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Don't close this complaint with a reason that I need to prove my identity. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX my bank account was hacked, I discovered on XXXX when I logged into my account and saw over {$3000.00} in transactions charged to my account from XXXX, XXXXXXXX XXXX , and XXXX. I called my bank and started a fraud claims. Today I discovered the claims were dropped and the bank is refusing to cover the fraud because my pin was used and they cant confirm it wasnt me who made the purchases. Even tho I cant be in 3 states at the same time. They said I approved the text message alerts. I never received alerts via my phone of such transactions and would never approve them anyway. That would have been a red flag that my account was even hacked and would have dealt with the issue on XXXX and not XXXX. So because of those 2 things Chase bank said its my fault and to start my own investigation into the businesses that accepted my debit card. Not sure how a multi million dollar company cant protect their customers to fraud and identity theft. But instead want me the customer to get to the bottom of this all while leaving over {$3000.00} of my money missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: CA

Complaint narrative:
I received a prepaid NetSpend debit card at a Continental currency exchange in the month of XXXX in the month of XXXX I received a direct deposit from social security to the NetSpend account in the month of XXXX I received the card in the mail and try to activate the card but that account was locked out also the card that I received in the month of XXXX soon have a lock on it and I was asked to send in my ID and proof of residence and I did just that but to no avail what XXXX unlock the prepaid debit card account

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 2024-03-07 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: FL

Complaint narrative:
XXXX, TransUnion, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, TransUnion, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, TransUnion, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, TransUnion, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form 211 treasury OMB form to audit consumers account. XXXX, XXXX, and TransUnion are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Said companies have violated Privacy Act of 1974, 15 USC 6802, and15 USC 6805 Certificate indebtedness can not be reported in Credit report

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 2024-03-07 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: FL

Complaint narrative:
Equifax, XXXX, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting Equifax, XXXX, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. Equifax, XXXX, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If Equifax, XXXX, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form 211 treasury OMB form to audit consumers account. Equifax, XXXX, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Said companies have violated Privacy Act of 1974, 15 USC 6802, and15 USC 6805 Certificate indebtedness can not be reported in Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My XXXX Nelnet loans were transferred to XXXX on XX/XX/XXXX. Since then, I have had XXXX loans held by Nelnet. However, my XXXX Nelnet loans are still appearing as " open '' on my XXXX credit report 13+ months later, with their balances as of when they were transferred in XX/XX/XXXX. ( These XXXX incorrect loans are listed in addition to the XXXX correct loans now held by XXXX. ) I have filed 3 separate disputes with XXXX to correct the Nelnet loans, starting in XX/XX/XXXX. Each time, XXXX contacted Nelnet, but the information was not corrected. Instead, my credit report now states that these loans are correct as of XX/XX/XXXX, even though the information is a year out of date. Following the 3rd dispute, I contacted XXXX via phone to ask what was needed to remove the Nelnet loans. XXXX told me that they needed a letter from Nelnet stating that these loans had been transferred in XX/XX/XXXX. 

I then called Nelnet on XX/XX/XXXX. The person on the phone directed me to email their customer service email to ask for this letter. I sent this email the same day ( XX/XX/XXXX ). However, as of XX/XX/XXXX, I have not gotten any meaningful response. ( I did get one response on XX/XX/XXXX asking for my personal information so that they could locate my account, and another email on XX/XX/XXXX asking me to re-send an attachment, but nothing since then. ) On XX/XX/XXXX, I filed a complaint against Nelnet with the XXXX XXXX XXXX. They responded that it was up to XXXX to report my loans and that their action would be to request that XXXX do this. I replied that the issue was not with XXXX since XXXX had already been correctly reporting my loans for over a year, and I again requested the letter for XXXX. Nelnet 's rebuttal was that they had not provided any information to credit reporting bureaus since XX/XX/XXXX. I provided documentation from XXXX proving this was false. The customer service agent I spoke to on XX/XX/XXXX also confirmed on the phone that Nelnet had communicated with XXXX when XXXX investigated my disputes, but that Nelnet had failed to notify XXXX the loans were closed and had only provided the outdated balance and the note that the loans were in " good standing. ''

Company response to consumer: Closed with explanation