vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 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: NY

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 mentions a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I canceled my Capitol One credit card.on XX/XX/. I have a rewards balance due owed me of {$56.00}. The company told me that a check would be mailed to my address within 60 days. 

73 days later. XX/XX/, and no check has arrived. I called the bank at XXXX to ask them to send me my money. Their automated answering system asked me to verify myself by my social security number since I did not have my card number. 

After going around in circles with the automated system, I finally got to talk to a live person. I reminded them that they owed me money and that it hadn't arrived within the time period they communicated. I asked them directly to send it immediately. The representative said they had to verify it was me. They would not accept the phone number I gave them to send me a security code. They sent me a web page link to my phone that brought up a blank page. They asked me for a land line and I don't have one. 

All this in attempt to verify my identity and send me a check that they were suppose to send anyway. 

I got transferred to another person who attempted the very same steps. I think they do not intend to send me the funds they owe me. I wish to file a formal complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX  sent letter for disputes, and called each company for unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. 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 XXXXXXXX, US DEPT OF EDUCATION/XXXX : XXXX, has violated my rights. 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 an 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 or 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 2023-05-17 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: SC

Complaint narrative:
TransUnion is reporting inaccurate information on my credit report.They are reporting a XXXX XXXX XXXX XXXX account that was open fraudulent in my name.Ive call the credit Burea and the company and no one want listen to me, They keep brushing me off.

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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-05-17 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: Westlake Services, LLC
State: IL

Complaint narrative:
Ive made a {$3000.00} down payment with XXXX XXXX XXXX with westlake financial services. I was sold a lemon. I got the truck checked out because the motor was knocking. Comes to find out the motor was bad plus more I returned the vehicle to the dealer and theyre refusing to give me my money back westlake say the only thing they could do is remove it off my credit report ( as they said ) I want my money I put down on that vehicle and removed off my credit report. They are bad for business and have so many bad reviews, I wish I wouldve been done my research before even purchasing the vehicle.

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 2023-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: CA

Complaint narrative:
ERC debt collectors have called and sent me a letter stating I have a debt amount of {$540.00}. On a recorded line they stated the account was opened in XXXX. Which I DoNot recall having any XXXX service in XXXX. I then became stressed and worried so I checked my XXXX credit account. On my XXXX report I show that I disputed this same company ERC from my credit report for an account opened in XXXX, for the amount of {$250.00}. However, the mobile company shown on my report states its T-Mobile. This account was disputed and deleted from all 3 credit bureaus in XXXX. Why am I still getting collection notices from ERC if the account has been removed when I filed a claim to dispute through XXXX and it has successfully been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
I had a mortgage with Carrington Mortgage company since XXXX. They kept telling me my payments were returned when they weren't and when I got XXXX and signed up for the Covid assistance they never once called be to tell me I was denied! They said I should of called them! I was told I was approved and sent a letter stating my forbearance was over and how did I wish to repay the money. I filled out paperwork asking it to be put on end of loan just like they talked me through! They reported me falsely to the credit bureaus the whole time and I had to " according to them take out a 2nd loan which was 2 times what I owed! Then on XX/XX/XXXX I called them to let them know the devastating news that my house burnt down and I lost everything just for them a month later to turn around and sell my loan! I couldn't believe it! I'm asking something please be sone!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: NY

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$7100.00} ; XXXX XXXX XXXX  ; XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: NY

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance to The Fair Credit Reporting Act this creditor XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX TX XXXX Phone Number : XXXX XXXX has violated my rights under 15 USC 1681, section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 ; A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose!

I never gave this creditor permission either verbal or in writing!

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 2023-05-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance to The Fair Credit Reporting Act this creditor XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX TX XXXX Phone Number : XXXX XXXX has violated my rights under 15 USC 1681, section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 ; A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose!

I never gave this creditor permission either verbal or in writing!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: CA

Complaint narrative:
In accordance to The Fair Credit Reporting Act this creditor XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX TX XXXX Phone Number : XXXX XXXX has violated my rights under 15 USC 1681, section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 ; A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose!

I never gave this creditor permission either verbal or in writing!

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 2023-05-18 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: Nelnet, Inc.
State: CA

Complaint narrative:
My student loan was transferred from Great Lakes to the Ed/Nelnet Department of Education . My loans were only shown on my credit report with Great lakes as 2 accounts. Now Ed/Nelnet Dept of Education is showing every single disbursement I had for school totaling 17 new accounts on my credit report. I was in the middle of purchasing a home and now can no longer buy a house due to their incorrect reporting to all the credit reports. Great lakes told me my loans were consolidated and now here come Ed/Nelnet saying they arent consolidated. Why are they showing 17 new accounts on my credit report doesn't even seem realistic! They have ruined my dream of buying and home and have destroyed my life. I have to seek therapy due to their inaccurate and lieing to the credit bureaus. I am now suffering XXXX and XXXX XXXX due to Ed/Nelnet Dept of Education and now have to seek XXXX attention. They have DESTROYED MY LIFE! NOW I WILL JUST HAVE TO BUY A TENT AND LIVE WITH THE OTHER HOMELESS PEOPLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I closed a checking account with Truist bank on XX/XX/23. This was approximately a 30 minute process and I was assured that the account was closed. The bank proceeded to keep a one cent balance in this checking account and then subsequently charged me a XXXX XXXX fee for not keeping a minimum balance. This fee was charged on XX/XX/2023. Please evaluate if this is a chronic problem from Truist bank similar to the previous practices of XXXX XXXX several years ago. Also, please contact Truist to confirm this account is closed since I no longer trust any of their representatives.

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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am paying for Credit Monitoring, Fraud Alert, and Score services from Equifax.I have been paying for this service for over 10 years now so I never thought I would be involved in a breach of my information. In XXXX XXXX XXXX my personal information was stolen and now I am victim of theft and my credit report was fraudulently used with out my permission. Equifax service is supposed to protect my consumers report and notify me if any person is inquiring information of my identity before allowing any access to my file. I don't recall giving any mortgage company called XXXX XXXX or XXXX XXXX my permission to pull my credit report. I spoke to the highest level of Equifax as she stated she is the Supervisor of Office of Consumer Affairs. Her name is XXXX, ID XXXX XXXX on XX/XX/XXXX from XXXX XXXX  - XXXX asking her to correct my consumer 's report. I explained that I sent in my Police Report, Drivers License, Social Security Card, Utility Bill, Credit Report, Letter of Explanation in XX/XX/XXXX, I also mail my documents in on the same day. I was stilled denied removal of these fraudulent inquires. I also explained that I have there service to protect me and they have not done there job of protecting my consumers report. I am requesting that these two inquiries be removed from my consumer 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I, as a resident of Texas, was approached by an individual who claimed to represent The XXXX XXXX, a reputable company within the architectural industry. The imposter, posing as a hiring manager, enticed me with an offer for a remote position as an XXXX XXXX as a XXXX XXXX. Their initial contact appeared legitimate, complete with professionally designed emails bearing The XXXX XXXX 's branding and a convincing tone. 

As the correspondence progressed, the scammer presented me with a series of official-looking documents, including an employment agreement and onboarding forms. These documents were designed to give an impression of authenticity and professionalism. I, trusting in the genuineness of the opportunity, complied with their requests and followed the provided instructions. 

One pivotal moment in the scam unfolded when the imposter insisted on an equipment payment to be made prior to commencing work. They send me a deposit check of {$8900.00} provided me with what they claimed to be The XXXX XXXX 's official bank account details, leading me to believe that this was a legitimate requirement. Regrettably, I transferred a sum {$4900.00} of money into the provided account, unknowingly falling victim to this elaborate ruse. 

Upon completion of the transfer, the deposit from my accout was reversed leaving me at low funds in my bank, and made my account at- {$5000.00} because of the transfer i made with their supposed to be vendor partner. All communication from the scammer abruptly ceased, leaving me in a state of shock and financial distress. I quickly realized that I had become a victim of a well-orchestrated scam, where the perpetrators deliberately misused The XXXX XXXX XXXX name to deceive unsuspecting individuals like myself. 

Since discovering the scam, I have taken immediate action by reporting the incident to my bank. I have provided them with all available evidence, including the imposter 's bank account information, and any other pertinent details. However, despite these efforts, the progress towards recovering the funds has been minimal, my account was closed and I am to pay the - {$5000.00} on my account from the money scammed from me I kindly request your assistance in investigating this matter further and bringing the perpetrators to justice. The unauthorized use of The XXXX XXXX 's name not only undermines the trust and reputation of a reputable organization but also causes significant financial and emotional harm to innocent individuals like myself. 

Im willing to provide copies of the fraudulent email communications, bank transfer receipts, and any other supporting documentation I possess. I sincerely hope that this information will aid in your investigation and help ensure that justice is served.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: NY

Complaint narrative:
I am a victim of identity theft. My personal information was compromised in several data breaches and my name has been sold over and over again on the dark web. I am pleading for help from the CFPB because I can not have any progress with Experian in handling my dispute of 4 accounts that were opened by someone who stole my identity XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have sent in a police report as well as an FTC Identity Theft Report and yet Experian continues to report those items on my credit report in clear violation of numerous FCRA regulations.

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