vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The reporting of inaccurate and outdated information. This is causing damage to my reputation, my character, and mode of living. I have tried several times to have these mistakes completed. Also, not to mention the data breaches as well of these reporting agencies who is not keeping their promises. This is very time consuming, and they have had several times to fix the errors and mistakes, but they choose not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted my documentation in regards to identity theft multiple times. No matter how many representatives tell me over the phone that the documents are valid and accurate, the items are still on my report. I have been mailing in and uploading documents since XX/XX/ to no avail. The reps are mean, rude, short, and just not helpful at all. Ive requested to speak to a supervisor over and over for the past 2 months. I have yet to speak to one. The reps place me on hold, come back to the phone, and say a supervisor will call me back. I have yet to receive a call back since XXXX after requesting a call back at least 6 times since then. Today is XX/XX/XXXX. These items have ruined my reputation. I had no idea these things were on my report until I was denied from an apartment complex. I have been in and out of hotels, and sleeping in my car in between. I dont know what to do anymore. Someone please help me.

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 2023-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I bought a car from us auto back in XX/XX/XXXX. Paid a down payment and paid on it u til early XXXXXXXX XXXX XXXX My balance is incorrect and they cant find my payments that were made or not transferred over to Westlake portfolio. Harassing calls and emails. Threatening to repo and add other fees that Im not aware of. I never sign a contract with Westlake. My warranty is void after us auto sale sold my information and Westlake isnt honoring the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America locked my account on XX/XX/ and frozen my money no reasons for long time! Tried to call their customer service many many times and told me my case still under review, nobody know when can return my money the most important thing is different customer service and gave me different answers.Just asked me to call them later later!! Nobody help me to resolve my problem! My accounts balance is XXXX now, I cant pay my rental and my household fees now! I am so disappointed with Bank of America. Complain about their service. Never open their account again.!

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
Consumer complaint received 2023-08-03 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: PA

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

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 2023-08-03 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: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
There is an account being reported on my account from Spring Oaks. I called the phone # listed and they told me they do not have the account and referred me to another company and phone #. When I call that number it is messaging service that no one answers. I called back to the original number and was provided another phone number to another company who states that they do not have the account. 
XXXX XXXX XXXX I have been trying to get information about this account to resolve it for over two months with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/ I sent a payment of {$2300.00} for a laptop. The laptop model was a XXXX. Instead of being shipped the laptop, I was sent an empty sealed box through USPS. When I reached out to the merchant for a refund, he blocked me. He did not give any explanations for his actions, because he purposely defrauded me and my money. 

I opened a chargeback claim with Chase bank. They gave me provisional credits for the past month, but they sent me a letter today notifying me that my provisional credits will be reversed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Early Warning System sent me my report. They are reporting fraudulent information on my report and are negatively affecting my ability to get a checking account. I never opened a XXXX account. They are also reporting a Checking account from XXXX thats not even my social security number. I have gave them my FTC report and XXXX and XXXX was both listed on the report along with XXXX XXXX. My identity was stolen and multiple checking accounts were opened in my name. My XXXX account I actually opened was closed due to it being compromised. XXXX stated I dont own them anything so I shouldnt have any negative information in Early warning system at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I legally changed my name and received the certified court order granting my name change XX/XX/XXXX. Shortly thereafter I contacted Chase to update my legal name for my credit card accounts. 

I was told repeatedly via message and phone support that I would not be able to send them documentation online, and that I would have to wait for a letter in the mail, which I would have to sign, scan, and send back to them. They refused to send me this form digitally. 

After I finally received this letter and changed my name with Chase, I was reissued a replacement card for only 1 of my 3 Chase accounts, and had to ask to have the other 2 replacement cards issued. The replacement cards did not have the display name on them that I wanted, so I had to request replacement cards with the correct name yet again. 

One of the benefits of my Chase Sapphire Reserve credit card account is a Priority Pass membership. I was not issued a new card for this with the correct name, and had to request it on XX/XX/XXXX. 

I received this replacement card on XXXX, and it had an incorrect name on it that did not match my ID. I requested a new card later that day, on XXXX, with the correct name via message-based support. 

I received another replacement card by mail on XX/XX/XXXX, which had the same incorrect name on it. I called phone support that day, XX/XX/XXXX, and was told they would expedite a replacement card with the correct name on it. 

I received that card by XXXXXXXX XXXX  the morning of XX/XX/XXXX, and it had the incorrect name on it yet again. I called phone support for this and was treated rudely, and was assured they would fix the issue. I also sent an email to XXXX XXXX and XXXX XXXX at Chase to try and reach an executive regarding the issue. I heard back from someone in the Executive Support office named XXXX. She reassured me on XX/XX/XXXX that I would receive a new card and she would personally make sure the name on it was correct. 

I received that replacement card yesterday, XXXX, and not only did it still have the incorrect name on it, but it was even more incorrect than before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03 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: TX

Complaint narrative:
unauthorized inquiries on my consumer reports from XXXX and Equifax. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any unauthorized inquiries on my credit report as they affect my credit score negatively.

As per 15 USC 1681b, my consumer reports should only be accessed for a permissible purpose. Since I did not authorize the inquiries made on my credit report, they were unauthorized and not for a permissible purpose. Therefore, Im requesting the removal of the inquiries from my credit report. 

There are 7 unauthorized inquires on my consumer report on XX/XX/23 i sent a dispute to XXXX. 

I called Equifax reference XXXX XXXXXXXX they did remove inquiries but according to 15 usc 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing in response to your notice about an alleged debt. ( XXXX XXXX XXXX XXXX ). Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in GEORGIA. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation.

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 2023-08-03 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: AL

Complaint narrative:
XX/XX/2023 at XXXXXXXX XXXX Central time. 
Called me at work, continued to aggressively harras me after I requested a call back at a later time to verify debt. Refused to give an amount allegedly owed. Threatened to have my pay garnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/23 i sent a letter disputing some items on my report to equifax. I have not been heard and this is very frustrating. I have sent multiple request since then and have no received any response to my request. Im looking to purchase a house soon and this is putting me in a financial bind

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
unauthorized inquiries on my consumer reports from TransUnion and XXXX. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any unauthorized inquiries on my credit report as they affect my credit score negatively.

As per 15 USC 1681b, my consumer reports should only be accessed for a permissible purpose. Since I did not authorize the inquiries made on my credit report, they were unauthorized and not for a permissible purpose. Therefore, Im requesting the removal of the inquiries from my credit report.

There are 7 unauthorized inquires on my consumer report on XX/XX/23 i sent a dispute to Transunion. 

I called XXXX reference XXXX XXXX they did remove inquiries but according to 15 usc 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2023-08-03 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I'll never live at the following addresses this is incorrect : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please delete the following incorrect employer : XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have purchased a total of XXXX cars through XXXX XXXX  and I've maintained an impeccable repayment history. In XXXX XXXX XXXX  I was informed that I had a payment that was reported on my credit report that was past due 30 days. This payment was due bi-weekly with a five-day grace period. After the grace period the vehicles are equip with a security system that will shut the vehicle down automatically and my vehicle has never been disabled. I attempted to speak with someone by phone on several occasions and was unsuccessful. I was informed I had to send an email to their dispute department and wait 30 days or more for an answer. I sent the email with my explanation as to why I believed the error was on their end and what it boiled down to was their word against mine. I also asked as a valued customer and as a one time, courtesy could they remove the item from my credit report. They responded over 30 days later that by law they had to report it and couldn't remove it. 

I received a notification in XX/XX/2023 that XXXX XXXX was closing all XXXX of their locations until further notice immediately. I received a notice from XXXX XXXX XXXX that my loan has been transferred to them for the collection of my future payments. The Gap insurance, extended warranties etc. that we all purchased no longer exist. All they are responsible for is collecting the payments. XXXX XXXX  has XXXX information to offer concerning XXXX XXXX. The next thing I see is the local news broadcasting reports of consumers that have purchased are complaining about being delinquent with their payments and they weren't. This is when I realized I'm not alone. There is no way to reach XXXX XXXX at this point. They literally informed their inter office staff to complete what they were working on and leave the building.

There are consumers that purchased vehicles within 30 days of the abruptly closing that can not get the required tags for their vehicles. This concerns me because I am close to paying my vehicle off and if XXXX XXXX  can't get their required tags, how will I get my title?

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 2023-08-03 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: GA

Complaint narrative:
Upon reviewing my credit report, I have discovered instances of late payments on XXXX XXXX XXXX for the months of XX/XX/XXXX through XX/XX/XXXX. I want to emphasize that these late payment entries are inaccurate and unjustly affecting my credit score and financial standing. 
First and foremost, I believe there has been a violation of the Privacy Act ( 5 U.S.C. 552a ) with respect to my credit report. I was never provided with the option to opt out of the reporting of my personal information to your agency, as required by the Privacy Act. This omission infringes upon my right to be informed and give consent regarding the collection and disclosure of my sensitive financial data.

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 2023-08-03 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: GA

Complaint narrative:
Upon reviewing my credit report, I have discovered instances of late payments on XXXX XXXX XXXX for the months of XX/XX/XXXX through XX/XX/XXXX. I want to emphasize that these late payment entries are inaccurate and unjustly affecting my credit score and financial standing. 
First and foremost, I believe there has been a violation of the Privacy Act ( 5 U.S.C. 552a ) with respect to my credit report. I was never provided with the option to opt out of the reporting of my personal information to your agency, as required by the Privacy Act. This omission infringes upon my right to be informed and give consent regarding the collection and disclosure of my sensitive financial data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I was purchasing a car through US Auto. I was told that Westlake financial had taken over. There is no contact or a title to get if I continue paying. I could not get any answers from Westlake or anyone else. The car was repossessed on Sunday XX/XX/2023. I am without a car, and my money has went down the drain.

Company response to consumer: Closed with explanation