vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
RE : Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law under which I will sue is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress make the following findings : ( 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.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( 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} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing 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 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer, I have the right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Also, I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

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 2023-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: IN

Complaint narrative:
My suv was in a accident back in XXXX. And my suv was towed off the highway and my son was taking to the hospital. The tow truck company lost my suv but when it was found my finance company said that the suv was abandoned but it wasnt I never missed a payment up until that time and I was never late.. The finance company was one day from taking my suv to auction but they had to stop because the suv wasnt abandoned. So I had to pay the tow fees. But on my next bill I had this outrageous amount on my bill saying it was a repo fee! Well I ask how can you repo a car that wasnt repossessed? They couldnt answer that question. And I also found out that they sold my suv to the body shop that was doing the work on the suv and he has the title! And Im still paying on the original contract of the suv.. with everything I have gone through I would like to be directed to a attorney to handle this further..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
This is for a credit card issued by Barclays Bank Delaware. I have a {$25000.00} credit limit and requested an increase to {$30000.00}. I have a XXXX credit score and make {$340000.00} per year. I also pay off my balances each month. They would not grant the {$5000.00} increase and would not say why over the phone. They told me they are sending a letter explaining why.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive contacted Experian multiple times via phone, mail and email to request a copy of my credit report. It shows that it has not been updated since XX/XX/2023. Ive verified all my information with them and they still have not given me a reason why they can not provide a report. I was told they checked with the other credit reporting agencies and everything is accurate and I still have not been given a credit report and score from Experian.

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 2023-09-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL

Complaint narrative:
I initiated a personal line of credit with Citizens One and their partnership with the XXXX XXXX XXXX program and was approved on XXXX 

I immediately setup my account and registered auto-pay using my existing credit union checking account. 

On XXXX I received a late payment notice via text, and immediately called their customer support. I was directed to the website for payment inquiries ; when I logged in I noted that the auto-pay date had been set to XXXXXXXX  ( documented ). As this was not an option for me, it was apparent this was a technical issue on the lender 's end. I attempted to make a manual payment bringing my account current and received an error message ( documented ). 

On XX/XX/ I called back to their customer support line and received assurances that the issue was on their end and this would not impact my credit. The representative manually corrected the auto-pay draft date and initiated a manual payment for the outstanding balance. I immediately received an email thanking me for my payment ( documented ). 

On XX/XX/ I received a XXXX credit report notice including negative feedback from Citizen 's One ( documented ). I immediately initiated a dispute as Citizens had made it clear this was an issue on their end. 

On XXXX  I received a response to my dispute, which included that the lender found the feedback as correct and in fact was still delinquent despite the recent payment confirmation. My credit report even showed recent payments of {$0.00} ( documented ). 

On XX/XX/XXXX  I logged into the Citizen 's One website to find my auto-pay draft date had yet again been set to XXXX and I was unable to make manual payments ( documented ). 

On XX/XX/XXXX  I sent a certified letter to Citizen 's One with the above timeline and documented examples of their failure to provide adequate payment systems, and my willingness and desire to keep the account current. They responded that they found the negative credit feedback to be correct, and included the terms and conditions of the loan. 

I stand by the fact that Citizens One internal systems failures ( as acknowledged on their own recorded lines ) made it impossible to maintain a current payment status using the approved methods they advertised. Their misleading payment confirmation emails and inability to take payment continue to impact my credit history two years later, well after the loan has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity thief and these account don't belong to me. i have never had any agreements or contracts with these companies. 

15 USC 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 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of the law because I am a victim of Identity theft! Please delete these items IMMEDIATELY! 

XXXX XXXXXXXX Account Number - XXXX XXXX XXXX Account Number 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 2023-09-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity thief and these account don't belong to me. i have never had any agreements or contracts with these companies.

15 USC 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 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of the law because I am a victim of Identity theft! Please delete these items IMMEDIATELY! 

XXXX XXXXXXXX Account Number - XXXX XXXX XXXX Account Number 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 2023-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Unfortunately, my mortgage was involuntarily transferred to Carrington. I am XXXX XXXX XXXXXXXX veteran. 

I was behind payments due to covid ( I was XXXX ) and I had it worked out with XXXX XXXX. My loan was transferred to Carrington and the amount due seemed to have tripled.

I currently have a 2.5 interest rate and all Carrington offered is to increase my interest to 7.6! Instead of just putting the past due on the end of the payments. Even the rep I spoke with that works there couldn't believe they are increasing it that high ( which will increase my payments XXXX a month )! I don't know how this is legal. 

I had until XX/XX/30 to pay the past due of XXXX ( I have screen shots stating that ) which I planned on doing. Two reps I spoke with advised me that I am good until XX/XX/30 and I was so worried they would try something sketchy before then. 

On XXXX I made a XXXX payment online ( more than half of what I owe )- they posted the payment and then shut off my ability to make online/phone payments. I called today to see why I can't make payments online and was told since I didnt agree to the loan modification I no longer have until XX/XX/30 to make the payment and I can go in foreclosure at anytime. 

They really do not want people to pay their debt. They would rather take my home. I am XXXX XXXX XXXXXXXX veteran, single mom of XXXX making payments to keep her home and they are doing everything to make it as hard as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Newport Intermediate Inc.
State: FL

Complaint narrative:
Called Northlane.comseveral times same recording at different numbers, no option to speak to someone.The card is a debit card/ credit issued by XXXX for XXXX for a credit from XXXXCalled XXXX got connected to Northlane but was conveniently disconnected.The reviews on their website r all the same cant contact the company n get get their money.Card was issued by XXXX XXXX  its valid thru XX/XX/24 card # is XXXX XXXX XXXX XXXX XXXX acct # was XXXXnorthlane.comXXXX Tried using the card several times as credit/debit DECLINED!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a XXXX XXXX  account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( XXXX ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( XXXX ) days of the completion of your investigation.

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 2023-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: MI

Complaint narrative:
On XX/XX/XXXX application submitted for SAVE repayment plan on studentaid.gov website and sent to loan processor that day. It was processed ( completed review ) by EdFinancial on XX/XX/XXXX. Next steps state that loan servicer will reach out w/ additional details regarding completed app. Its been 2 weeks and no reach out from EdFinancial. Online acct doesnt even reflect that a repayment plan application was submitted or even processed by EdFinancial. The first paragraph on account face page is all about signing up for a repayment plan by clicking the link. Huge payment is due in 3 weeks and I havent been able to get ahold of anyone in customer service. The chat feature on website is an automated system and the wait time for a customer service rep is obscene. Today the stated wait time is 3hrs 15 min. Currently on hour 4 waiting for my callback. Perhaps if EdFinancial got their act together and updated online accounts, their phone lines wouldnt be bogged down with frantic clients trying to find out the status of their repayment plan. Do better. We deserve better.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act " XXXX XXXX XXXX- Account Number XXXX '', has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: First Credit Services Inc.
State: PR

Complaint narrative:
Identity theft and did not recognize or gave permission on over 12 closed accounts that are adversely affecting my credit fico score. 
DSPUTED FOR OVER 5 TIMES AND NO REMOVAL HAPPENED. 
These are the account details : 1 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX /AMOUNT {$1700.00} FILE NUMBER DISPUTE : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  /AMOUNT : {$1400.00} FILE NUMBER DISPUTE : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/ AMOUNT XXXX {$1300.00} FILE # DISPUTE : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1200.00} / FILE # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX/ AMOUNT $ XXXX FILE # DISPUTE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT XXXX XXXX  FILE # DISPUTE XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX/ AMOUNT XXXX XXXX DISPUTE # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX/ AMOUNT $ XXXX DISPUTE # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AMOUNT {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX XXXXXXXX DISPUTE # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AMOUNT XXXX XXXX DISPUTE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: GA

Complaint narrative:
NONE OF THESE INQUIRIES ARE MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THESE ACCOUNTS ARE MINE XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc, XXXX XXXX You are in Direct Violation of The Fair Credit ReportingAct and have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Therefore XXXX XXXX account # XXXX Should not be reporting any late payments on my credit profile furthermore, I did not give you written consent. 

Remove these late payments and update them to ( PAANL ) paid as agreed never late immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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