vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
these unauthorized inquiries is violating my consumer rights to privacy according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4. 
I need them delete this unauthorized inquiries off my credit report. 

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 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 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 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 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  Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/ my co borrower and myself we under contract which interests were at 6 % which was advertised on their website had a lower interest rate at the time. When we closed on the property the interest rate was at 7.5 % which we complained about at closing which we was force to sign the contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I told XXXX XXXX XXXX XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Midland Credit Management : XXXX XXXXXXXX, Midland Credit Management : XXXX XXXXXXXX. Midland Credit Management : XXXX XXXXXXXX, Midland Credit Management : XXXX XXXXXXXX, However, they stated everything was complete and accurate. I have not talked to them by phone or in person about the debt, or electronic communication about the debt, nor have I received a validation notice. I do not recognize these accounts are reporting on my credit report. I do not recognize the account numbers. I do not recognize the account statuses. I do not recognize the account high balances, nor do I recognize the late payments associated with it. everything reported does not meet the FCRA But that is not possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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. 45b The Act generally makes provisions of form contracts between sellers and individual consumers void from inception if the provisions : ( 1 ) prohibit or restrict individuals from reviewing sellers goods...

15 U.S.C. 41-58, as amended The Federal Trade Commission Act is the primary statute of the Commission. Under this Act, as amended, the Commission is empowered, among other things, to ( a ) prevent unfair methods of competition and...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: Westlake Services, LLC
State: DE

Complaint narrative:
I have had a loan with Westlake finance since XXXX. I have made my car payment every month. Within this time there has been a handful of times that I have had to arrange a deferred payment agreement in which was successful. 
This morning I woke up to my car repossessed. 
Since I pay my car payment every month, I was in complete shock. 
I called Westlake Financial and they proceeded to say that my payment was XXXX days late. 
This is simply not true. There is not XXXX - XXXX, or XXXX  day late on my credit report therefore where did this come from? 
How is my payment XXXX days late when my payment history shows every month since XXXX my payments have been made? 
This is not accurate information and they have illegal repossessed my car. I can send over my payment history that Westlake has also emailed me, showing that I have made a payment every month. 
They threatened they are putting this on my credit report when this shouldn't even of happened. They are absolutely no help as I spoke to a supervisor. 
This is against fair debt reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On the week of XX/XX/2023 American Express called my husband who has filed for divorce from me several times throughout the week trying to collect {$300.00} from me that is merely only XXXX  month past due. 

American Express does not have my husbands phone number on my file. They went to the internet to search for his phone number and are now calling him nonstop. 

This must be illegal. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. t has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATARC om Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENER to subsection ( c ) any consumer reporting agency may furnish a consumer report unc following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT consumer to whom it relates. INEVER gave any consumer reporting agency WRITTEN CO NT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2023-07-27 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOB : XX/XX/XXXX ACCOUNT : XXXX Closed Account number XXXX The day I received the letter charging the first late fee, I went to XXXX in XXXX XXXX to pay directly to them, I went to the counter where they have the perfumes and coincidentally the same lady that had sold it to was there, I talked to her and I explained to her that I wanted the late fee to be waived, she said she was going to help, she called the credit card and she was put on hold for a long time and then I told her that I had to go, so I gave her my cellular number and asked to call me if she get any news, when I was driving she called and said that she had taken care of the problem and the fee was waived. 
I have always maintained that I paid the principal amount and there only was one late fee, which I had the impression that it was waived, they started charging late fees on the late fee, but I wanted this account off of my Experian credit report so when I received the settlement offer I took it. Looking at my Experian report, there are discrepancies : the charge off 's that you could find up to XX/XX/XXXX have been removed it says now ND and they have only one CO on XXXX XXXX, and before my original complaint it was CO all the way instead of the ND that they have now. 
The Fair Credit Reporting says that information on a credit report has to be " timely, verifiable and accurate ''. They changed the data, what they did was they created false data saying that they hadn't reported for 18 months and only report one CO in XX/XX/XXXX so they made it inaccurate, incomplete and is no longer fair and I do not know how legal it is. 


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 2023-07-28 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: AZ

Complaint narrative:
I am writing to file a formal complaint against Transunion LLC Consumer Dispute Center regarding inaccurate reporting on my credit file. Despite providing evidence of the bankruptcy inclusion and discharge, TransUnion continues to report the account XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX as derogatory, misleading creditors and affecting my creditworthiness. 

Details : Account XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX included in bankruptcy discharged on XX/XX/XXXX. 
Formal dispute letter sent to Transunion XX/XX/XXXX along with supporting documentation. 

Requested Resolution : - Prompt investigation and correction of the account status to " Included in Bankruptcy '' or a similar designation. 
- Removal of any negative remarks associated with the account. 
- Written confirmation of the investigation and resolution. 

I believe this inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed are copies of the dispute letter and supporting documents for your reference. 

Please review this complaint and facilitate a timely resolution to ensure the accuracy of my credit report. 

Thank you for your assistance in addressing 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 2023-07-27 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: AZ

Complaint narrative:
The consumer agencies Transunion, and XXXX are reporting inconsistent information regarding the accounts labeled XXXX with account numbers # XXXX XXXX XXXX XXXX & # XXXX XXXX XXXX XXXX on my credit reports. Their reports on these accounts are not consistent with what XXXX is reporting as these accounts are not listed on the XXXX report. Transunion and XXXX are tarnishing my reputation and character with these inaccuracies and their negligence.

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 2023-07-27 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: CA

Complaint narrative:
I am filing this complaint because Equifax, XXXX, & XXXX has ignored my request to provide me the documents that their company has on file that was used to verify the accounts I disputed. Under section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information that can not be verified ''. Please resolve this matter as soon as possible. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
In XXXX of XXXX I visited a medical clinic called XXXX XXXX XXXX located in the City of XXXX XXXX. I had valid PPO insurance at the time. I wanted to have my blood checked. I spoke with the staff and a doctor at the facility who advised the cost would be a one time fee of {$100.00} ( which I assumed was my co-pay ). 

I did have XXXX XXXX and received a report several days later. XXXX XXXX XXXX stated I had no outstanding balance. 

I went on with my life. 

Years later, ( XXXX ) I received a phone call from XXXX collections XXXX. 

They advised me that they have been sending debt collection letters to an address I havent been associated with since XXXX. 

XXXX indicated that I owed in excess of {$1400.00} for treatment at XXXX XXXX XXXX for XXXX of XXXX. I told them I had digital proof that I had valid insurance during the visit and paid a {$100.00} co-pay. 

I offered to send them this electronically and they stated it didnt matter and that I was responsible for the outstanding balance. 

The XXXX representative also stated this could harm my credit ( which is very important to me ). 

I called my insurance provider and spoke with them. They indicated they never received any claim from XXXX XXXX XXXX. 

I visited XXXX XXXX XXXX to inquire. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. The office was closed, the telephone number had been disconnected and there was no longer a website for the medical clinic. 

To the best of my knowledge, I never signed anything indicating I owed any further amount than my co-pay which was paid. 

XXXX advised they were representing XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ) I never signed anything authorizing this company to bill me for anything. 

Taking these factors into consideration, I believe XXXX XXXX XXXX failed to bill my insurance and went out of business. 

I can only speculate XXXX XXXX XXXX used XXXX XXXX XXXX for outsourcing ( again never heard or signed documents with this lab indicating financial responsibility ) and went out of business. 

XXXX XXXX XXXX is now looking to foot the bill on unsuspecting patients of the facility which is unjust and wrong. XXXX advised there were multiple patients inquiring about similar instances. 

I advised XXXX that the debt was invalid. There is nothing in writing from XXXX XXXX XXXX or XXXX XXXX XXXX that I signed, authorizing them to charge me for anything more than the {$100.00} co-pay I paid the day of my visit. I have not seen any details from XXXX to dispute this. 

I advised XXXX I would be sue the company for damages if they attempted to damage my credit.

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 2023-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I am unable to log into my mobile banking app. When working with M & T bank to solve the issue they told me that they were having problems confirming my identity in their records, but after confirming my identity in-person at the branch I was still unable to log into mobile banking on my 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 explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid 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: MD

Complaint narrative:
I've been trying to dispute a charge on my American Express since XXXX. I've submitted several pieces of documentation to American Express but they continue to reject my claim without a clear understanding of why. When I call the disputes department, I'm only told to resubmit new information. How can I provide information without knowing what American Express is looking for? 

Nonetheless, I've provided American Express proof that the vendor is misrepresenting facts, and the goods were not as described. I would appreciate if American Express would clearly state why they are rejecting my claim when I've provided sufficient evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-07-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FactorTrust, Inc.
State: NJ

Complaint narrative:
XXXX refuses to acknowledge CFPB complaints ; they insist on consumers such as myself submitting disputes directly on their website. A website where youll be met with various error codes preventing you from submitting your dispute. They are in violation of my rights under the FCRA! According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I got a targeted mailer for a {$450.00} bonus w/ the following terms : XXXX $ XXXX within 20 days and keep the balance for the additional 60 days. I've attached a picture of the mailer to this complaint The account was opened on XX/XX/23. XXXX terms stated the offer doesn't expire until XX/XX/XXXX Additionally, I've attached the chat of the cs rep confirming I was properly enrolled.

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 monetary relief