vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I have asked the company for a debt validation letter stating that I owed this debt to them. They could not provide any personal signature of mine on a contract with Westlake Financial. They removed their collection from my credit report on XXXX ; however, they reported the same inaccurate information to XXXX again XXXX months later. Under the FCRA if they can't provide the accurate information " debt validation letter '', they are required to not report false information to the credit bureaus. This is a constant battle. I have asked numerous of times and yet they violate my rights under the FCRA by not providing the documentation necessary for a validated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt-Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted. Please delete the following accounts. Avant Balance {$12000.00}, XXXX XXXX XXXX {$3600.00}, XXXX XXXX Balance {$10000.00}, XXXX XXXX XXXX XXXX {$2500.00}, XXXX XXXX Bankruptcy reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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:
Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit and does not comply with the maximum possible accuracy standard and must be removed due to its failure to maintain reasonable procedures, which is a violation of 15 U.S.Code 1681e ( b ). It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : All accounts are on XXXX, XXXX, EQUIFAX ( XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit and does not comply with the maximum possible accuracy standard and must be removed due to its failure to maintain reasonable procedures, which is a violation of 15 U.S.Code 1681e ( b ). It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : All accounts are on EXPERIAN, 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

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 2024-08-19 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Stayed at XXXX XXXX XXXX XXXX XXXX XXXX collection by XXXX, VA ( XXXX ). American express XXXX XXXX card been charged {$45.00} more. 

As a XXXX XXXX XXXX I am supposed to get the breakfast credit. They gave me a breakfast credit {$45.00}, but then out of blue, they charged {$45.00}. It makes no transaction on my bill statement, but After all, no breakfast credit received. 

SO, I have been requesting investigation about breakfast credit ( {$45.00} ) with charges ( {$45.00} ) made by XXXX XXXX at XXXX XXXX XXXX. I have not either purchased or spent any .I have been disputing about the breakfast credit with charges since XX/XX/XXXX. I have been requesting the explanation of the charges {$45.00} at XXXX XXXX XXXX XXXX 

Amex sent me an info letter about the dispute closed without resolved. No credit received. 
So, I requested to reopen the case. 
Now On the XXXX statement ( closing date XX/XX/XXXX ), Superficially, It seems that they gave me a credit {$45.00}. But they charged the {$45.00} again on my XXXX bill ( closing date XX/XX/XXXX ). 

American express is not investigating the charged made by XXXX XXXX XXXX XXXX XXXX XXXX collection by XXXX, also manupulating the billing monthly, treating XXXX XXXX with dishonor. 

Even though just {$45.00}, I have been disputing since XXXX this year. It's been 5 month. 

I would like to share about this publicity so that others can learn from my experience. 
Please let me know what step that I can take. 
I am looking forward to getting response. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-19 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: CA

Complaint narrative:
I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of {$170.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act DEPT OF ED / XXXX account # XXXX, DEPT OF ED / XXXX account # XXXX, DEPT OF ED / XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Sections : It also stated a consumer reporting agency can not furnish an account with put my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act DEPT OF ED / XXXX account # XXXX, DEPT OF ED / XXXX account # XXXX, DEPT OF XXXX / XXXX account # XXXXXXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Sections : It also stated a consumer reporting agency can not furnish an account with put my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for purpose.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is illegally reporting incorrect information on my credit report. I should not have a collection on my credit report from 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to get Experian to correct my personal consumer report but they refuses and continues to furnish inaccurate and unverified information on my consumer report and file. I am in the process of taking control and securing my personal and private information. This massive data breach has exposed my information and I am very concerned with inaccuracies on my report. Please address this matter. Attached is a notices for demand Experian to remove all items within attached notice.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my 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 2024-08-19 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I requested my credit report from three major credit agencies. On XXXX credit agency, I noticed a credit card account on my XXXX credit report. I contacted XXXX, letting them know I dont have a Citibank credit card. XXXX informed me that the account has me as an authorized user. I didnt give anyone permission to put me as an authorized user, so its a fraudulent account. I requested XXXX to remove that from my credit report. Two weeks later, Citibank , N.A . sent me a letter dated XX/XX/year>, saying they were not removing it. Citibank , N.A . noted in the letter that they are not removing it as long as Im an authorized user. They are not even saying which account it belongs to, so I can see if I know the credit card holder. The letter said I could contact them at the phone number on the back of the letter. It was only a mailing address, not a phone number. Im requesting Citibank, N.A., to remove that credit card account number XXXX. This card no : was on the top right-hand corner of the letter dated XX/XX/year>. I will fax CAG, OCC, a copy of the letter from Citibank , N.A .

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

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 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 2024-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I am filing this complaint against Global Lending Services regarding serious issues that have arisen from the financing of my XXXX XXXXXXXX XXXX purchased in XX/XX/XXXX from XXXXXXXX XXXX XXXXXXXX. During the sales process, I was misled about the terms of the agreement, and critical details regarding my financial obligations were not disclosed. More distressingly, my signature was forged on the promissory note and possibly other documents related to the financing. 

Despite my efforts to resolve these discrepancies, Global Lending Services has not provided adequate responses or documentation. They failed to conduct a mandatory welcome call to verify the information used in the credit application, which is standard to confirm that all provided details are correct and understood by the customer. Additionally, they have not supplied the original promissory note upon request, which is crucial for verifying the legitimacy of my consent to the terms. 

The situation escalated when Global Lending Services wrongfully repossessed my vehicle in XX/XX/XXXX, despite ongoing communications regarding the dispute over the forged documents. This action forced me to file for bankruptcy to recover the vehicle, severely damaging my credit and impacting my ability to secure housing as a single mother.

I urge the CFPB to investigate these violations, including the forgery of my signature, the lack of proper verification processes, and the improper repossession of my vehicle. This complaint seeks to rectify the financial harm and emotional distress caused by Global Lending Services ' disregard for proper lending practices and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a purchase for the holidays on XX/XX/XXXX using my Kohls card. I usually buy something and paid it off in full. In XX/XX/XXXX, I paid off my balance and then some ( for interest ). I miscalculated my total payoff by {$1.00} short. I moved to a different city and changed my address with Kohls so I thought I would get notification if I still had a balance out. I did not know I still owed them {$1.00}. From XXXX I was reported as late for {$1.00}. I was going to purchase something from Kohls online so I logged into my account and seen I had {$1.00} balance. I was confused but I paid it off then Kohls shut down my account. I didnt realize my credit scored was effected until I randomly looked it up last month and sure enough it went from XXXX to XXXX!! For XXXX XXXX  I contacted Kohls right away to file a dispute. The representative informed me my address was not changed. Then I told her I changed it. She proceeded to tell me you may have changed it with your Kohls rewards but not with the actual credit card. I was mistaken. Ok so I asked her if they could please remove the {$1.00} balance since I didnt have any recollection I still had a balance and that I wasnt aware that Kohls Rewards and Kohls CC dont talk to each other with address changes. Then I get a letter from Kohls ( Capital One, N.A. ) informing me that they are unable to update anything to the credit bureaus and it stands where it is. I am blown away. For XXXX XXXX  my credit went from XXXX to XXXX. Please I am in the process of buying a home within the next few months and having such a low credit score disables me from borrowing the money needed. I dont know what else to do. Please assist in this matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I initially began contacting the 3 Credit Bureaus about the 3 delinquent accounts listed on my credit report by LVNV Funding LLC. This process began in XX/XX/year>- XX/XX/year>. When I requested verification of debt none was sent from all 3 Credit Bureaus. XXXX and XXXX deleted the accounts ; however, XXXX refused to delete the account that has been negatively impacting me. XXXX told me to contact LVNV Funding LLC directly, which has been the first FTC violation as the credit bureau has to provide verification for why the incorrect debt is being reported to my credit report. Over the months LVNV Funding LLC began reporting to all 3 bureaus again. I began to feel like this company was a scam ; therefore, I wrote them a letter dated XX/XX/year>, stating that I request was requesting VALIDATION OF DEBT made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I specifically asked for the following : 1 ) Agreement that LVNV FUNDING LLC has the authority to collect on this alleged debt. 2 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the LVNV FUNDING LLC . 3 ) Any insurance claims that have been made by any creditor regarding this account. 4 ) Any judgments obtained by any creditor regarding this account. 5 ) Name and address of alleged creditor. 6 ) Name on file of alleged debtor. 7 ) Alleged account number. 8 ) Address on file for alleged debtor. 9 ) Amount of alleged debt. 10 ) Date this alleged debt became payable. 11 ) Date of original charge off or delinquency. 12 ) Verification that this debt was assigned or sold to LVNV FUNDING LLC. 13 ) Complete accounting of alleged debt. 14 ) Commission for debt collectors if collection efforts are successful.

I asked for all this information to rule out scam and/or potential fraud as I have never done business or promise to pay any company named LVNV Funding LLC . It has been nearly 60 days and LVNV Funding LLC has yet to verify the debt. None of the information I requested was sent, yet they continue to report false and harmful information to my credit report. Furthermore, the have sent me incomplete paperwork from the XXXX XXXX XXXX threatening to sue me about the very debt I asked for verification about. This feels like a bullying tactic to get me to pay for something I do not owe. I am being harassed with a mounting of letters " so-called '' amounts owed, but still no verification of debt owed. It is not right that this company I never done business with have the right to report false information on my credit report when I stated that all communication should stop if verification of debt was not received after 30 days from receiving the letter I sent to them. This is a huge violation of 15 USC 1692g Sec. 809 ( b ) of the FDCPA. This is my last remedy of this issue before a consult legal counsel about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts XXXX {$190.00} XX/XX/XXXX, XXXX {$5500.00} XX/XX/XXXX, XXXX {$760.00} XX/XX/XXXX, XXXX XXXX {$0.00} XX/XX/XXXX Fradulent Inquiries : XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-08-19 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: CA

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
There are late payments for items that were not late

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to get XXXX to correct my personal consumer report but they refuses and continues to furnish inaccurate and unverified information on my consumer report and file. I am in the process of taking control and securing my personal and private information. This massive data breach has exposed my information and I am very concerned with inaccuracies on my report. Please address this matter. Attached is a notices for demand XXXX to remove all items within attached notice.

Company response to consumer: Closed with non-monetary relief