vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX, KS XXXX XXXX Balance Owed : {$670.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXBankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX Bankruptcy XXXX Date XXXX # XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX GXXXX 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 XX/XX/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 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 XXXXXX/XX/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 2023-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I finance a car though USA Auto finance company Payments are Due bi weekly been paying it for 2 years or more The finance company doesn't exist now as of sometime in XXXX there was no letter stating where or why US Auto no longer exist they sent it to a debt collector contacted them to see where I'm supposed to send payments no response. I received a letter that I oweXXXX  to Westlake Portfolio Management . LLC they have that I've paid XXXX when I called the Westlake place the lady I spoke to could not find the account even though it was on the paper they sent .asked me for my SS # and name asked her why US Auto didn't send me something in the mail about them no longer in business she didn't give me any answers and why didn't it have what I paid already in the 2 years again no answer it was like I was talking to myself I have a contract with US Auto not Westlake I asked her who do I make the payments too she again no answer she told me to call the number I called and give whoever my card info she was silent with no answers Then had the the nerve to say Is that all for you today. I said no you didn't answer none of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX U S DEPT OF EDXXXX XXXX XXXX : {$200.00} XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$200.00} XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$710.00} XXXX XXXX Inquired on XX/XX/2022 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 2023-06-23 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: EQUIFAX, INC.
State: NV

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$200.00} XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXXXXXX Inquired on XX/XX/2022 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've obtained a copy of my consumer credit report the major three credit bureaus and making sure the information was accurate according to USC title 15 168 ( 5 ) I've waited 30 days to receive the investigation results which everything was still reporting the exact same as the previous month. The credit agencies Exquifax, XXXX and XXXX did not complete and modify or remove items on my credit report. 

The primary information being reported are not correct such as the open date, date last active, date of payment history. 

These are violations of the Fair Credit Reporting Act, which is harming me from purchasing a home for my family. 

These accts are : XXXX XXXX # XXXX, {$670.00}, {$240.00} and XXXX XXXX XXXX # XXXX {$32000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've obtained a copy of my consumer credit report the major three credit bureaus and making sure the information was accurate according to USC title 15 168 ( 5 ) I've waited 30 days to receive the investigation results which everything was still reporting the exact same as the previous month. The credit agencies XXXX, Experian and XXXX did not complete and modify or remove items on my credit report. 

The primary information being reported are not correct such as the open date, date last active, date of payment history. 

These are violations of the Fair Credit Reporting Act, which is harming me from purchasing a home for my family. 

These accts are : XXXX XXXX # XXXX, {$670.00}, {$240.00} and XXXX XXXX XXXX # XXXX {$32000.00}

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 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: DE

Complaint narrative:
Jefferson Capitol has reported a debt to all 3 credit bureaus in the amount of {$1000.00}. Jefferson Capitol Systems has ignored my requests to have to debt removed from my credit report stating they have validated the debt. Jefferson Capitol does NOT hold the licensing requires to collect in my State of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX will not remove collection from my credit report even though this is not my account. I have no knowledge of this account and do not have a contract with this company for any debt. I continue to dispute this charge to no avail and have yet to see any documentation I have signed or agreed to. I have exhausted all options to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: TX

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-06-23 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
Home was purchased XX/XX/XXXX, in Florida after moving across country in XX/XX/XXXX. Our new to us home was flooded due XXXX XXXX XX/XX/XXXX. There were only few mortgage payments made before the home destroyed and we qualified for a FEMA forbearance for the 3 months starting in XX/XX/XXXX, never was explain to me that after the forbearance, I would have to pay in full. After XX/XX/XXXX, we phoned Planet Home Lending asking if an extend our FEMA foreclosure could be approved, no explanation of repayments after forbearance. Still wasnt living in our home due to the clean up and repairs needed. We were approved for extend for another 3 months. XX/XX/XXXX, phone Planet Home Lending asking for an extend or what other options we had at that time. Representative stated we could not extend forbearance, but we now have pay to make the mortgage payments current after the 6 months of forbearance, which was never explained to me the prior two conversation with Planet Home Lending. Which at this time my family was not living in home due the inhabitable conditions home was still was in. Homeowners and flood insurance was a very difficult process to deal with to get help with coverage for the damages to the home. XX/XX/XXXX, phone Planet Home Lending to apply for mortgage assistance package. They gave me two options repayment assistance or a Short Sell. We applied for both options but were told that you can only get one type of assistance, which 1 chose a Short Sale, at this time I informed that they wouldnt except payments due to Short Sale. XXXX XXXX my credit is decreased due to late mortgage payments. I was told I would be protected due to the FEMA forbearance and then told since there was a Short Sale, I didnt need to make the mortgage payment. Roughly owning {$17000.00} at this time. XX/XX/XXXX a large payment of {$9000.00} and then {$2200.00} was paid in efforts to make the mortgage payments current. The first payment was sent via over night mail and the second payment was over the phone, which was struggle to pay because I was told I couldnt make a payment unless it was paid in full. Planet Home Lending has called every week for a update of short sale of home. I have provided everything they have ask of me. I feel like I was misled into the forbearance rules and because of a act of god, my home was destroyed only after a few months of owning it. The battles weve had to get help from insurance companies to get home home put together has not been enough. My efforts to repairing this home wasnt all insurance claim funding. When assistance was asked Planet Home Lending processes have been confusing and misleading and now its affecting my credit. I am asking Planet Home Lending to please remove the late payments from my credit. I have tried my best to work with this company and make my best efforts to also make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I applied for an Amex Business Platinum card and received a denial. I requested that the application be reconsidered. On XX/XX/XXXX I received a letter denying my application again. The letter references an XXXX XXXX  report dated XX/XX/XXXX, over a month old. Amex Claims that the XXXX report was the most recent they have which is patently false. Not only did the Amex app itself show that they had an XXXX XXXX report dated XX/XX/XXXX, but my official credit report stated there had been a soft inquiry on my XXXX report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Amex denied having any newer report to reference. They told me to reapply for a card and it should fix the credit issue on XX/XX/XXXX ( one day after the most recent inquiry ). I did as they suggested over the phone with a representative. again my application was denied because this time because they had denied an application within the last 30 days had I not been told to reapply I would not have done so. On top of this the denial said that I had accounts not paid as agreed which is also false according not only to experian but also XXXX XXXX. XXXX states it has been 1 year and 3 months since a late payment and XXXX XXXX states it had been 1 year and 9 months on a report pulled on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
I recently got scammed and I quickly reported it to the bank I used for the transaction. They told me there was nothing they could do to help me and said I should trust the people I sent the money to which is weird for a bank to say to their customers. My money was never returned and they did not try to help me. They told me they werent able to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I applied for this loan in XXXX of 2020 because as a single parent I was struggling during Covid. As the pandemic continued, I was barely making enough to pay my house payment, car loan, insurance and utilities. I have done everything in my power to pay my bills off since Covid and making arrangements with my creditors. I even went as far as selling my home and moving in with my elderly mother to do this and where my child could attend College. As of today, NetCredit offered me a settlement of {$55.00} for XXXX payments to a total of {$5700.00}. I can not do that. I know I borrowed the money but between trying to pay everything off and inflation I just want to get a reasonable settlement within my budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Having only XXXX credit card in my name, I began researching different reward credit cards to find an offer that was of most value to me. I selected an offer through the XXXX ap for an American Express credit card. The offer was for XXXX XXXX XXXX  as well as a free reward night if I spent {$2000.00} on the card within XXXX months. Upon spending {$2000.00} within XXXX months I contacted American Express to see the status of my free night reward. I communicated with an American Express representative through the chat feature and she explained I would be contacted in a week after researching. I was never contacted and followed up by calling American Express. I spoke with XXXX who is a supervisor and she stated upper management would not be honoring the advertised promotion of the free night. I explained I had proof of the offer and promotion through a screenshot I took during the time I applied for the credit card. I would not have paid and selected a card with a {$95.00} annual fee if I would not be receiving the free night being offered. I believe this is another example of consumer harm. XXXX XXXX has been advocating to end. I would be willing to use my example in showing how credit card companies are harming consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express had requested and received a notarized ID Verification form which cost me an out of pocket expense of {$25.00} and nearly 6 hours waiting to locate a notary online. American Express found this unacceptable even though they do this themselves and told me I had to do it at a XXXX XXXX. 

I went to a XXXX XXXX with Notary today ( XX/XX/22 ) and got another copy of the document for ID Verification notarized with a California Affidavit attached and sent it to American Express. Out of pocket expense : {$15.00}. 

Contacted by American Express today twice and was told very little information other than they got the notarized documents and affidavit but still want me to go to another XXXX store and get the document notarized a third time plus they now want a copy of my drivers license and social security card. 

To make matters worse, this is all on a 15 day ticking clock. 

I sincerely believe I am being led on by American Express and simply want the right to use my Platinum Card I justifiably applied and was approved for without anymore security concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation