vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-29 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: PA

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. 

Account name : Dept of Ed/XXXX XXXX Account name : # XXXX ; XXXX ( XXXX ) Account name : XXXX XXXX XXXX Account name : # XXXX, Account name : US Bankruptcy Court XXXX Account # XXXX ( XXXX ), Account name : US Bankruptcy Court XXXX XXXX Equifax & XXXX 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am writing to file a complaint against Westlake Portfolio Management, a debt collector who claims to be servicing my car lease from American Car Center, a dealership that filed for XXXX  XXXX bankruptcy in XXXX of XXXX. I was previously paying my lease payment to American Financial, who as far as I know, is not in bankruptcy. 

I have attempted to request debt validation from Westlake Portfolio Management through email on XX/XX/XXXX, and also over the phone on XX/XX/XXXX. During my phone call, I also requested a copy of my original contract, which the representative assured me would be sent to me by email. However, as of XX/XX/XXXX, I have yet to receive any documentation from the company. 

I am concerned that Westlake Portfolio Management may be attempting to collect a debt from me that I do not actually owe. I am hesitant to provide them with any payments until I have received proper validation and documentation of the debt. 

I would appreciate any assistance or guidance that the Consumer Financial Protection Bureau can provide in this matter. Thank you for your attention to this issue.

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 2023-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX, I discovered that a collection account was posted by Waypoint Resource Group ( Waypoint ) to my XXXX and XXXX consumer credit reports ( Enclosures 7 and 8 : Account number XXXX ). The reports indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from Waypoint regarding this collection account. However, based on the information ( amount and original creditor ) provided by Waypoint to XXXX and XXXX on XX/XX/XXXX, this debt is not mine. The amount and original creditor are the same as those submitted by XXXX XXXX XXXX ( XXXX ) to the three credit bureaus in XXXX. Together, the XXXX credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to XXXX by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation Enclosures 4, 5, and 6 ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation Enclosures 1, 2, and 3 ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. On XX/XX/XXXX, I submitted disputes regarding the collection account referenced above to all three credit bureaus via certified mail. I also filed complaints against XXXX and all three credit bureaus with CFPB on XX/XX/XXXX ( Complaint XXXX XXXX, XXXX, XXXX, and XXXX ), which ultimately resulted in removal of that collection account. 

I am submitting this complaint directly to CFPB to address potential violations of the Fair Credit Reporting Act, and refraining from submitting any communication to the collector ( Waypoint Reource Group ) independently out of concerns for my privacy. 

As a physician supporting public health responses in Oregon, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.

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 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 XXXX XXXX XXXX. 

Account name : Dept of Ed/XXXX XXXX Account name : # XXXX ; XXXX ( TransUnion ) Account name : XXXX XXXX XXXX Account name : # XXXX, Account name : US Bankruptcy Court XXXX Account # XXXX ( XXXX ), Account name : US Bankruptcy Court XXXX XXXX XXXX & TransUnion 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 an 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 2023-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital reported an account ( ref number XXXX ) in collections from XXXX XXXX. 

XXXX XXXX was removed as a fraudulent account taken out by XXXX XXXX on XX/XX/2022. I sent this information to Jefferson Capital and they have not removed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: WA

Complaint narrative:
On XX/XX/XXXX, I discovered that a collection account was posted by XXXX XXXX XXXX ( XXXX ) to my Equifax consumer credit report ( Enclosure 9 ). The report indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from XXXX regarding this collection account. However, based on the information ( amount and original creditor ) provided by XXXX to Equifax and XXXX on XX/XX/XXXX, this debt is not mine. The amount and original creditor are the same as those submitted by XXXX XXXX XXXX ( XXXX ) to the three credit bureaus in XXXX. Together, the XXXX credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to Equifax by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. On XX/XX/XXXX, I submitted a dispute regarding the collection account referenced above to Equifax via certified mail ( see attached supporting documentation ). I also filed a complaint with CFPB on XX/XX/XXXX ( Complaint ID XXXX ), which ultimately resulted in removal of that collection account. 

As a XXXX XXXX XXXX XXXX XXXX  in Oregon, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: WI

Complaint narrative:
Equifax is reporting fraud accounts on my credit report. I previously sent Equifax letters, for months, disputing these fraud accounts below in my consumer file : XXXX XXXX acct # XXXX {$2500.00}. XXXX XXXX acct # XXXX {$2200.00}. 
I am a victim of Identity Theft & have already Faxed an FTC report & copy of ID & SS card to Equifaxs fax number. Equifax has received my letters and was required to take the appropriate action within 30 days of receipt. This company is NOT legally verifying theses fraud accounts, there is no true proof or wet signature, that these accounts belong to me, anyone can open an account online using my info! However, Equifax has willfully failed to delete the disputed information as I requested in my dispute. Equifax 's action or inaction is an intentional violation of the FCRA. Equifax is also reporting inaccurate & fraud names, addresses, phone numbers & employers on my credit report. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This Car loan was opened in XX/XX/2011, Credit acceptance has lawsuit settlement and did not resolve the issues with my account. I feel as though they were using bad practices i was set up to fail. I am also complaining about the accuracy of the account the close account, currently reporting to my credit report. 
high Balance reporting different balances Last reported date - is reporting different balances owed XXXX did not dispute my complaint at all also the 7yr statue of limitation is up on this 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 2023-04-29 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: WA

Complaint narrative:
On XX/XX/XXXX, I discovered that a collection account was posted by XXXX XXXX XXXX ( XXXX ) to my Experian consumer credit report ( Enclosure XXXX ). The report indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from XXXX regarding this collection account. However, based on the information ( amount and original creditor ) provided by XXXX to XXXX and Experian on XX/XX/XXXX, this debt is not mine. The amount and original creditor are the same as those submitted by XXXX XXXX XXXX ( XXXX ) to the three credit bureaus in XXXX. Together, the XXXX credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to XXXX by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. On XX/XX/XXXX, I submitted a dispute regarding the collection account referenced above to Experian via certified mail ( see attached supporting documentation ). I also filed a complaint with CFPB on XX/XX/XXXX ( Complaint ID XXXX ), which ultimately resulted in removal of that collection account. 

As a XXXX XXXX XXXX XXXX XXXX in Oregon, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am unable to see my report and scores. I have called in and verified my identity through a link that was sent by the customer service agent that I was on the phone with and still nothing. I haven't been able to see my credit report in over a month and a half. They are delaying my disputes and costing me time and money. By stating that it's not me who is righting the letters, that someone is writing and sending them in with out my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: MI

Complaint narrative:
This Car loan was opened in XX/XX/2011, XXXX XXXX  has lawsuit settlement and did not resolve the issues with my account. I feel as though they were using bad practices i was set up to fail. I am also complaining about the accuracy of the account the close account, currently reporting to my credit report. 
high Balance reporting different balances Last reported date - is reporting different balances owed XXXX did not dispute my complaint at all also the 7yr statue of limitation is up on this 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 2023-04-29 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: Nelnet, Inc.
State: PA

Complaint narrative:
I just checked my credit report and XXXX and XXXX is reporting student loan with Nelnet in the amount of {$30000.00} on my report as being past due on XXXX in XXXX as 120 days, nothing. On my XXXX report it states in that same time frame in XXXX I am 90 days late, This is incorrect. 

In accordance with the 15 U.S. Code 1679c this agency is reporting incorrect information to the credit agencies which in turn is dropping my credit score. Please remove this incorrect information off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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:
Hi I have a few recent inquires on my Experian XXXX report that I dont recognize. Multiple inquires `within days XX/XX/2023, XX/XX/2023, and XX/XX/2023 I reached out to Experian multiple times about an inquires from XX/XX/XXXX and the never replied

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 2023-04-29 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax have violating my rights by publishing inaccurate information about me and my account with XXXX XXXX XXXX XXXX. 

I was one of the thousands of consumers affected by XXXX XXXX XXXX XXXX deceptive business practices. I made my payments on time and XXXX XXXX intentionally altered, delayed the payments so they would appear late. I disputed and complained many times to the credit bureau the inaccurate XXXX XXXX XXXX XXXX information in my credit file but I am continuously ignored. 

Can you help me? 

XXXX XXXX XXXX XXXX  Account number beginning XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, Experian and XXXX have violating my rights by publishing inaccurate information about me and my account with XXXX XXXX XXXX XXXX. 

I was one of the thousands of consumers affected by XXXX XXXX XXXX XXXX deceptive business practices. I made my payments on time and XXXX XXXX intentionally altered, delayed the payments so they would appear late. I disputed and complained many times to the credit bureau the inaccurate XXXX XXXX XXXX XXXX information in my credit file but I am continuously ignored. 

Can you help me? 

XXXX XXXX XXXX XXXX  Account number beginning 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 2023-04-29 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: Io, Inc.
State: MD

Complaint narrative:
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

The company failed to provide additional information and will not reinvestigate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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:
XXXX, XXXX, Transunion have not removed this fraudulent account from my credit report. " XXXX XXXX  XXXX XXXX '' does not belong to me. 

I first reported this account in XXXX of 2022. I have submitted FTC Identity theft report 's on both XXXX XXXX XXXX Bank who owns them. 

XXXX is in direct violation of Federal Law 15 U.S Code 1692 ( g ) Fair Debt Collection Practices Act ( FDCPA ) which requires them to validate such debt by providing All of the following : 1. The identity of the original creditor.

2. The amount of the alleged debt.

3. The name and address of the original creditor, if different from the current creditor.

4. The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural man ), and XXXX, that proves I agreed to pay the alleged amount. 
5. A GAAP accounting documentation ( both on and off ledger ) showing the exact asset ( s ) used to collateralize the debt.

It is my right to request validation of any purported debt under the Fair Debt Collection Practices Act & It is XXXX XXXX obligation to supply the aforementioned materials as requested which they have failed to do time and time again. 

Not only has XXXX not lawfully validated the debt but they have continued to fraudulently collect & report the fraud. 

I am now demanding XXXX to remove this fraudulent account from my report because it is identity theft & does not belong to me, was never lawfully validated, and furnishing this information is now another violation that experian, transunion, and XXXX are committing onto me which is continuing to cause me harm.

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