vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been attempting for 3 years to change get a new password so I can access my info. This most basic of all customer service functions is IMPOSSIBLE with this HORRENDOUS company. I find it impossible to believe that this epic lack of capabilities is confined to me and has not been well documents. This company has the favored position of being a govt sanctioned organization to help consumers and they blatently dont deliver and do great harm in the process. I have lived with this issue until now because i am applying for a credit card that only uses Experian and i cant get through to unfreeze my acct. ( I did a blanket freeze across all of the bureaus a few years ago due to an identity theft i encountered. ). 

Experian makes it impossible to get a human on the line and offers no FUNCTIONAL online support as an alternative. THIS IS UNACCEPTABLE.

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 2024-04-19 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: Security Credit Services, LLC
State: TX

Complaint narrative:
Security Credit Services, You have reported an account to the credit bureaus on my behalf. I have no knowledge of this account nor do I have any agreement or contract with your company. I have never received any communication from this company and all of a sudden this account appeared on my credit report. This is a blatant violation of my consumer rights. Stop reporting this illegitimate account immediately.

Please furnish our original contract as well as confirmation that you have contacted.e regarding this account. Additionally, the account shows the Original creditor to be XXXX so also furnish your original purchase agreement with XXXX. 

Cease and desist all communication with me or anyone else regarding this matter effective immediately to ensure that my privacy is protected in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Vehicle loan or lease — Loan
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: MO

Complaint narrative:
I have attempted multiple times and made multiple calls to get the release of my title from Westlake Financial. My car has been paid off for roughly 5 months now. The company has given me the run around and keeps transferring me to other departments because I reaffirmed this debt with a bankruptcy. I did, in fact, reaffirm this debt and paid as agreed. My bankruptcy was discharged over 2 years ago and I have since bought a home YET this company refuses to release my title

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, stated last reported XX/XX/XXXX closed XX/XX/XXXX this account doesn't belong to me balance is {$7100.00}. 
XXXX XXXX, stated last reported XX/XX/XXXX closed XX/XX/XXXX this account doesn't belong to me balance is {$200.00}. 
XXXX, stated last reported XX/XX/XXXX closed XX/XX/XXXX this account doesn't belong to me balance is {$9000.00}. 
XXXX XXXX, stated account 30 days late this account paid in full XXXX of XXXX. balance is {$0.00}. 
XXXX, stated last reported XX/XX/XXXX, status is derogatory this account doesn't belong to me balance is {$12000.00}. 
XXXX XXXX, stated last reported XX/XX/XXXX, status is open this account doesn't belong to me balance is 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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I am writing because I applied for credit with XXXX XXXX XXXX on XX/XX/2024. When I didnt get a response, I called them on XX/XX/XXXX for a status update. 

I was told to fax a copy of my ID and Social Security Card, which I did. 

On XX/XX/XXXX, I called again to confirm they had received the fax, and I was told they did receive it and to give them a little more time to process. 

I called again on XX/XX/XXXX and was told again that I needed to fax in my ID and Social Security Card. I informed the person that I had already done that, and the last person I spoke with had verified it. 

Still, she insisted they never received it and asked me to send it in again ; she would have them expedite processing my application due to the circumstances. I complied, sent it while she was on the phone, and then had her confirm with me on the phone that she did. She also told me to call back the following day to ensure they received it in their processing department. 

I called again the next day, XX/XX/XXXX, and confirmed with them that the processing team had received it and I would be hearing back soon. 

I called again on XX/XX/XXXX and complained that this was getting out of hand and I needed an answer. I was told that they were backed up on applications and to just wait. 

Time went by, and that brings us to today, XX/XX/XXXX. I called in, and they told me for the third time now that they never received my documents. When I pushed back, the woman said, We received your ID but not your Social Security Card, to which I responded, That is impossible, because the document I sent has them both on the same sheet ; they are not separate, so there is no way you have one and not the other. 

I think Ive caught on to the scam. By law, they have to respond within 30 days to a completed application. But as long as they can lie and say your application isn't complete, i.e., pretending they never got your documents, they can keep stretching this thing out. 

Meanwhile, they already put a hard inquiry on my credit report, which affects my scores and deters other creditors from giving me credit. 

I did some research online and found it odd that all of this companys social media profiles are locked up, preventing anyone from leaving reviews or comments. 

But when I search their name in general, I found tons of people saying they were scammed by them as well. 

They used to go by a different name before rebranding to Concora Credit. People online say they went by Genesis Financial. 

I also tracked down their XXXX page and found people making the same complaints there. 

These people are collecting identities and doing lord knows what with them. Somehow, they are able to get themselves recommended through reputable search pages like XXXX XXXX, for example. 

I want compensation for the damages theyve caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-19 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
On XX/XX/year>, i was alerted by XXXX XXXX  that there had been an inquiry on my credit. Upon further investigation, it looks like an application for a JetBlu credit card was submitted through Barclays Bank Delaware without my knowledge or approval. I called them immediately and reported that inquiry as fraud. They said they did so, but i want to make sure they actually did. Looking into this bank, it seems that a lot of people have the same issue with this bank, and i think someone should look into it.

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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to 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 non-monetary relief
Consumer complaint received 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX  XXXX XXXX XXXX # XXXX 15 U.S.C 1681 602 A states that I have the right to privacy.

15 U.S.C. 1681 604 ( a ) ( 2 ) It also stats that a consumer reporting agency can not furnish an account without my written instructions.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been paying off this credit card for the last three years and now I dont understand why they keep adding more fees late fees, interest fees all of these extra fees there is a {$69.00} balance that I would like forgiven they did not offer me or anything, and I just want to be done with this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV Resurgent Is threatening legal review. 

Also I am requesting proof of their address to be able to collect in the state of alabama

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
To whom this may concern I have been dealing with navy federal bank for XXXX of last 2023 they put a hold in my account I made several complaints thru cfpb account still on hold they also shared my information with 3rd parties which is illegal and shared my personal privacy information also have my ssn and application and making money on my securities without prejudice all rights reserved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation