vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
USASF Servicing ( USASF ) -- U.S. AUTO SALES. Sent me an email on XX/XX/2023. Advising the business. Basically was not going out of business. Which was the last communication received. By email. I did not receive any notices of any sort. From the company advising would be selling the business. Or any of that nature. I made my last payment on the pathway website. Which established this past XXXX. Which was once an site starting with the name repay. That U.S. AUTO SALES had. Any and all email communication. That U.S. AUTO SALES. have had sent. Mysteriously, was removed from my XXXX account. That's theft. So, they must have used some type of chip. That removed all emails from that specified company. Even payment receipts. Which was asked to be emailed and text. Text messages couldn't been removed From personal devices. But from emails. They have removed them all. At the end of XXXX. I received an phone call. From am company named Westlake. Advising me for the month of XXXX. I would have to send them payment. On behalf of U.S. AUTO SALES. I inquired. About my original contract. And was told they didn't have it and also would not be providing any CPI, GAP, AND OR WARRANTY. I started receiving statements. With an amount listed. Which was not the right amount. I was then asked to send them a copy of what I had. I would not. I didn't agree for them to make alterations to my original car payments and or any other information. They had them started calling me several times. From different number. They had even contacted me. At an relative house. That I had them from. That specified number. They called to. Was not even on file. I ordered for them to contact me only. Once have the original contract. Signed with U.S. AUTO SALES. So, then they placed me on their pertinent Do Not Call List. Then on the night of Wednesday XX/XX/2023. Around XXXX eastern standard time or so. My car was gone. It had been repoed. According to the police dept.

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 2023-08-04 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-04 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: CA

Complaint narrative:
I need you to attend the following shown items in this letter which contains date taken directly from my credit report which you have provided. 

XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. # 1681 XXXX XXXX Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

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 2023-08-04 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: CA

Complaint narrative:
I need you to attend the following shown items in this letter which contains date taken directly from my credit report which you have provided. 

XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. # 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 explanation
Consumer complaint received 2023-08-04 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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

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 2023-08-04 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo is holding my money without giving me access to my funds or my account in general. This was after I have made a claim with them and received a resolution to my claim. Now they are not allowing me to gain access to my account or funds. This is so frustrating because they have had a closure date to my account for XX/XX/XXXX, and now pushed it for the 3rd time now to XX/XX/XXXX. I need my money and they are holding my money unjustly after calling them over XXXX times they still are not doing anything to help with the ongoing issue. I keep calling and telling them the situation and every agent keeps telling me a different thing. One agent mentioned to me to go to the branch and call the loss prevention phone number and I would be released the funds. The next says nothing will happen with funds till the closure date. Yet nothing is changing and I need my money.

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 2023-08-04 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: MO

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: NJ

Complaint narrative:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-04 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
showing late when not, misrepresenting the history and not verified

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
After researching, Truist Bank XXXX XXXX Bank ) violated 12 CFR 1006.6 Commnications in connection with a debt collector ( 4 ) ( ii ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) Procedures for email addresses/Procedures based on communication by a creditor. I will attach a copy of the email sent for supporting documentation ( ii ) Procedures based on communication by the creditor.

( A ) A creditor obtained the email address from the consumer ; ( B ) The creditor used the email address to communicate with the consumer about the account and the consumer did not ask the creditor to stop using it ; ( C ) Before the debt collector used the email address to communicate with the consumer about the debt, the creditor sent the consumer a written or electronic notice, to an address the creditor obtained from the consumer and used to communicate with the consumer about the account, that clearly and conspicuously disclosed : ( 1 ) That the debt has been or will be transferred to the debt collector ; ( 2 ) The email address and the fact that the debt collector might use the email address to communicate with the consumer about the debt ; ( 3 ) That, if others have access to the email address, then it is possible they may see the emails ; ( 4 ) Instructions for a reasonable and simple method by which the consumer could opt out of such communications ; and 5 ) The date by which the debt collector or the creditor must receive the consumer 's request to opt out, which must be at least 35 days after the date the notice is sent ;

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 2023-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I purchased a vehicle with US AUTO SALES in XX/XX/XXXX. The vehicle was purchased with a 3yr/36,000 mile warranty. I started having problems with my vehicle in XXXX Of XXXX. I called the company XXXX. They then told me that I never had a warranty because US auto sales never funded the warranty. Even though it was added into my monthly payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Around 15 days before the end of XXXX I received a form letter from XXXX XXXX informing me that our mortgage was sold to New Rez LLC and that beginning XX/XX/XXXX no payments would be processed by XXXX XXXX. Other than providing a mailing address for payments and instructions to update our homeowners coverage with the new mortgage company the letter provided no information on what to expect from New Rez. I have been left to assume that there is no change in our account number, but this is not at all clear from the communications. 

It is now XX/XX/XXXX and we have yet to receive ANY communication from New Rez, a company we had never heard of, and which I understand from my own research has extremely low customer satisfaction ratings and many complaints filed against it. XXXX XXXX was horrible to do business with ; now we can anticipate even worse service. 

Isn't New Rez accountable to provide some kind of communication to borrowers, in a more timely manner than after the payment due date? We have not received a monthly payment notice from them or any other communications. There is no email address for customer service provided by the form letter we received from XXXX XXXX, and no way to figure out if our account has actually been re-established at New Rez.

They have also put on my back responsibility to update my homeowners insurance company. It boggles my mind that I have to do ALL OF THE WORK when they are making good money on my business and putting me through considerable stress and hassle to help them do so. 

With something as important as a mortgage payment, I feel as a customer and homeowner and borrower the lender should be accountable to provide clear, proactive communications to ensure this transition is handled with no inconvenience to me as a profitable customer of these companies. This is the second time our mortgage has been sold and it is incredible how we get passed around, " sold '' like a piece of meat ; these companies doing these deals owe their customers more! 

I hope you will hold both XXXX XXXX and New Rez accountable for handling borrower communications when servicing rights are sold in the best interest of people like me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: IN

Complaint narrative:
On XX/XX/XXXX I had my government check social security was direct deposited onto my NetSpend account that I've had since XXXX but when it got deposited some person took the money out {$1200.00} he did an account to account transaction that i never gave permission for i dont know this bub performed fraud on my account I'm the only one on my so how can NetSpend allow this to take place on my account he from my account he stole my money I have a XXXX XXXX that can't be fixed through stage XXXX XXXX XXXX and a couple other things and when he took my money it put me in a world of hurt NetSpend was thinking that I was behind all of this and no I was not I didn't know anything about it until that day they were treating me like a hardened criminal they won't let me in to check my accounts or anything cuz they're closed and then they asked me when was the first time that I activated my NetSpend card I don't know last year sometime then they wouldn't talk to me cuz I didn't have the correct answer go figure but he took {$1200.00} on the XXXX he used it on a prepaid has been card ending in XXXX he used it at the liquor store and they put a block on it but where was my money

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 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX Original creditor : I tried disputing this many times with XXXX. The only XXXX that I have ever had was prior XXXX  Bankruptcy that has been discharged for more than 5 yrs. When I contact XXXX I can't get anyone to provide me with information regarding these 2 accounts like the items purchased or the address shipped to. I have been disputing this with XXXX and it is still appearing on 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 2023-08-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX creditor : I tried disputing this many times with Experian. The only XXXX that I have ever had was prior 2014 Bankruptcy that has been XXXX for more than XXXX yrs. When I contact XXXX I can't get anyone to provide me with information regarding these XXXX accounts like the items purchased or the address shipped to. I have been disputing this with Experian and it is still appearing on 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