vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: KS

Complaint narrative:
Wanted me to take the car a hour and half away to a shop. I have no way back home. Only have had the car a week and half. Took to XXXX and gave a whole list of stuff along with bad back brakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I deposit a check into my account and right after they blocked my access to all my accounts. They cant verify my identity over the phone. The funds on my account are frozen and they refused to help me over the phone.

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 2024-11-10 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: TX

Complaint narrative:
These XXXX corporations are reporting on my account XXXX and XXXX XXXX  which XXXX charged off and a account meaning they sold the account to another corporation, Ive asked XXXX, XXXX and TransUnion to get the following information from these corporations including a contract with my signature of me authorizing giving these companies consent to report my name and social security number to anybody. Im simply asking these bureaus to cease and desist and send me a personal letter explaining they complying to this letter

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 2024-11-10 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: TX

Complaint narrative:
These 2 corporations are reporting on my account XXXX and XXXX XXXX which XXXX charged off and a account meaning they sold the account to another corporation, Ive asked XXXX, Equifax and XXXX to get the following information from these corporations including a contract with my signature of me authorizing giving these companies consent to report my name and social security number to anybody. Im simply asking these bureaus to cease and desist and send me a personal letter explaining they complying to this letter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Westlake is reporting inaccurate payment information to the consumer reporting agencies. There is a discrepancy of the information being reported to XXXX and XXXX. On the auto account, Westlake is reporting 30 days late in 2 different months. I have emailed them, and even had communication with the executive office. The issue still has not been fixed. When I told the executive office that they are reporting inaccurate credit information, they did not respond back to my email. If this is not resolved within this CFPB complaint, my next step will be a lawsuit because now it is willful and knowingly reporting of inaccurate information as I made Westlake aware both by disputing with the consumer reporting agencies, and by emailing their corporate office.

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 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX- I disputed this charge as I was entitled to a {$100.00} refund, but the company did not issue it. I explained the situation and filed a dispute, but it was approved for {$7.00} refund when this was the amount I was supposed to have paid in total. I called back to specify this was not what I requested a couple weeks later. The agent could see a mistake was made and put a note in my file for review. However, after months, I have not been contacted about the remaining part of my dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-10 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: TN

Complaint narrative:
I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Inaccurate Reporting by Equifax Dear CFPB, I hope this letter finds you well. I am writing to formally submit a complaint regarding inaccuracies in my credit report furnished by Equifax that are affecting my ability to secure credit and loans. 

Specifically, I have noticed that Equifax has furnished late payments and transaction experiences on my credit history. This reporting seems to be in clear violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1666b, which states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, As a consumer, I rely on accurate credit reporting to secure the financial products I need. The erroneous information reported by Equifax has had a significant negative impact on my creditworthiness, and I believe it is imperative that this issue is addressed promptly. 

I kindly request that your office investigate this matter and take appropriate action to ensure that Equifax is held accountable for its reporting practices. I appreciate your attention to this issue and look forward to your response. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: TX

Complaint narrative:
Requested Westlake Financial to share my account information and they fail to share note and information associated with my account and I never received my title

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
On or around XX/XX/year>, Credit Collection Services, added a collection account to my credit file on behalf of XXXX. 

I have conducted no business with XXXX or Credit Collection Services. I do not use or have benefited from the use of XXXX services. There has been no contract with this company and the residential address for this account does not belong to me. 

I have disputed the validity of this claim and neither company responded with verification of debt. Having a consumers name and date of birth is not a verification of debt. No name or contract was provided to me as asked. Per the FCRA, this alleged debt does not meet the requirements to be a collection account. This debt has been sold to Credit Collection Services and techniques used by this third party to collect is unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: UT

Complaint narrative:
Yes about 4 months ago credit karma did not close my account I reported my information stolen and my id and social security card was taken and my information got taken. Come to find out they didn't close it so whoever did this had 4 months to use my information and account. Credit karma will not close it and I can't provide the documents they want because I don't have them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
They would consistently report the wrong balance and then I would be charged overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-10 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Complaint Regarding Inaccurate Reporting by Equifax Dear CFPB, I hope this letter finds you well. I am writing to formally submit a complaint regarding inaccuracies in my credit report furnished by Equifax that are affecting my ability to secure credit and loans. 

Specifically, I have noticed that Equifax has furnished late payments and transaction experiences on my credit history. This reporting seems to be in clear violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1666b, which states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, As a consumer, I rely on accurate credit reporting to secure the financial products I need. The erroneous information reported by Equifax has had a significant negative impact on my creditworthiness, and I believe it is imperative that this issue is addressed promptly. 

I kindly request that your office investigate this matter and take appropriate action to ensure that Equifax is held accountable for its reporting practices. I appreciate your attention to this issue and look forward to your response. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing inaccuracies on my Experian credit report. Despite submitting multiple disputes directly to Experian, they have repeatedly verified the information without providing any supporting documentation. This lack of documentation fails to meet the standards for verification under the Fair Credit Reporting Act ( FCRA ), Section 1681i ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation of disputed information. Specific issues include inconsistent reporting of balances, charge-off dates, and payment histories across bureaus, which indicates a potential error in Experians reporting processes. I am seeking a thorough review and correction of these discrepancies to ensure compliance with FCRA accuracy standards.

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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a loan account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and a loan account opened at XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$63000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I dont believe that the debt is reporting on my credit report is valid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: NY

Complaint narrative:
Request to Block Fraudulent Information Due to Identity Theft Under the FCRA I am writing to formally inform you that I have fallen victim to identity theft, resulting in the presence of inaccurate or fraudulent information on my credit report. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I request that this information be blocked from my credit file immediately.

The FCRA requires credit reporting agencies to block information identified as resulting from identity theft within four business days of receiving the following : 1. A valid identity theft report ; 2. Identification of the fraudulent information on the credit report ; 3. A statement from the consumer confirming that this information does not pertain to any transaction they autho
rized.

I trust you will act swiftly in accordance with FCRA Section 605B to block this information from my credit report. Please provide written confirmation once this action has been completed. 

Thank you for your immediate attention to this matter.

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 2024-11-10 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:
Under 15 U.S. Code 1681c2, consumer reporting agencies are required to block information in a consumer 's file if the consumer identifies it as related to identity theft. I am requesting that the fraudulent account associated with account number XXXX, reported by XXXX XXXX XXXX for XXXX XXXX XXXX, be immediately blocked from my credit report. I have never applied for, authorized, or otherwise engaged in any transaction related to this account or residence. I have continuously resided at my current address for the past nine years, with no association to XXXX XXXX XXXX or 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 2024-11-10 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: NC

Complaint narrative:
I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies of the accounts numbers XXXX ( XXXX XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX XXXX ). 
to my records the information you are reporting on this account is inaccurate. I demand that you remove this information 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 non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A late payment is regularly reported even though its in accurate. Capital One claims to have issues with their system ever since a security update. Also claiming this is happening to multiple people. The payments used to debit from my account in 1-3 days and it has now turned into 15-20 days. Can someone get them on track because they shouldnt be allowed to regularly post inaccurate information to peoples credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
REFAXED 9 TIMES MODIFICATION XXXX SEE PROOF, SHELLPOINT ALWAYS SAYS NEVER RECEIVED OR INCORRECT ALL PAPERWORK DONE PER THERE INSTRUCTIONS! WAS SENT MULTIPLE TIMES PRIOR ALSO! ITS DISCRIMINATION! PERIOD. DUE TO BEING XXXX. ALWAYS AN EXCUSE, HAVE PAPERWORK READY TO FILE IN FEDERAL COURT, ALL I WANT IS AN APPROVAL OR DENIAL, IF APPROVED WILL START PAYING MODIFICATION THERE IS A RECOVERY MODIFICATION IF DENIED WILL SHORT SALE BUT NEVER GET PAPERWORK WHAT I NEED! AGAIN IT PURE DISCRIMINATION!!!!!!!!!!!!!!!!!

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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was applying for a loan and when I applied I got a adverse action saying my credit score is XXXX which is very puzzling to me because under XXXX XXXX it's XXXX, also under XXXX XXXX ( Which is TransUnion ) also says XXXX. There are certain things I applied for that I should get approved for with the score I think I have but if they are showing a different score somewhere else that is very frustrating. If that's the case who else are they showing different scores too? I will attach scores that I see through to different areas. And I will attach adverse action which down the page a little shows a completely different score

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 2024-11-10 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: CL Holdings LLC
State: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. The account Jefferson capital LLC is removed from my XXXX and XXXX but still showing up on my XXXX credit report. Please correct these inaccuracies on my my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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 explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
on XX/XX/XXXX I was given a credit notification that this company put an account in collections, I have no idea what this bill is. I haven't gone to a hospital in over 4 years. If I did this company never tried to contact me by mail or phone, Never gave a chance to resolve it or dispute it until now when my credit took a hit.

Company response to consumer: Closed with explanation