vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 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: Global Lending Services LLC
State: OH

Complaint narrative:
Improper useof consent without permission state in the Credit law

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Destiny card services and indigo card services are violating 15 U.S code 1666b and reporting information that is not considered lawful credit transactions history and is causing damage to the estate and credit worthiness

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/2023 I paid my minimum balance on my XXXX XXXX & three weeks later on XX/XX/2023 I was charged a late fee. My due date every month is the XXXX, so I was early on my payment & they still charged me a late fee. Same thing happened the month after, I paid my minimum balance on XX/XX/XXXX ( again, my card isnt due til the XXXX of every month ) & I was charged for a late fee AGAIN on XX/XX/XXXX. I contacted XXXX about this on two separate occasions, first time they told me they would reverse the late fees & it would reflect in my account. It never did. Then the second time I contacted them, they said they would reverse the negative balance in my account. The only reason it was negative was because they charged me {$74.00} in late fees rather than pay down my balance while I was actively paying on time. I had to close the account because its destroying my credit card usage on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: SC

Complaint narrative:
To whom it may concern Im a victim of identity theft. Ive also sent a police report I have contact the three credit reporting agency and the debt collectors stated the same fact and Ive also mail an used AI online dispute letters months ago to verify the debt and also to update personal information. Nothing was done no response.

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 2024-01-29 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: CA

Complaint narrative:
I recently retrieved my credit report and it showed 1 credit inquiry that I have no knowledge of ever authorizing. 

creditor name : 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 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
This is by far a very XXXX  company. 
I was never late on my account. They called me, harassed, gave me a late payment when I was never late. I was on the phone for hours. XXXX XXXX and XXXX XXXX are frauds. XXXX XXXX in XXXX are the lowest caliber. They also pulled my credit without my authorization on XX/XX/2023. The same day I spoke to this office. They create problems when I was never late in the first place. XXXX in customer service is where this started. Its criminal what this guy did. There is no accountability, creating risk, unsound business practices. My Counsel sent a demand letter and that was ignored. This company thinks they can do anything they want. The CFPB needs to step in and investigate. There are so many violations committed and the CFPB allows the constant unlawful behavior. The millions of dollars fined did not change anything. Its much worse. The director of the CFPB was emailed about this matter from my Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am creating this statement. It has come to my attention that there have been several accounts under my name fraudulently my information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies this information that results from alleged identity theft. Also, 15 US Code 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts never have received written instructions from me to report anything on my behalf. 

Additional Unauthorized Hard Inquires : 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 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I opened a joint checking and savings account with Citizens bank online. I deposited {$190.00} into my One deposit checking and {$1.00} into the One deposit savings with my husbands XXXX banking ( XXXX account ) I received the confirmation along with a transaction ID and my account numbers and the money was removed from my husbands bank account ( not showing pending ). 

On XX/XX/XXXX I went to log on to my Citizens online banking and saw none of the money that was deposited actually was posted into that account. so I called Citizens, the lady I spoke to stated there was no deposit made. I advised her I had the transaction Id number and it was not pending with the XXXX Bank account ( XXXX ) She said it can take a couple days to show so I was okay with that response and we ended the call. 

The very next day I was completely locked out of my online banking account and when I called they said the account has been flagged and closed and I would receive a letter in the mail stating why. 

A couple days later I received a letter, it did not state why the account was closed but that I would be receiving a check in the mail for the deposit i made. 

A couple weeks go by after no check so on XX/XX/XXXX I called Citizens bank to see what was going on with my deposit. They said when my account was closed there was a XXXX dollar balance and they don't owe me anything. I have the transaction ID as well as my bank statement showing the deposit to citizens bank. I advised the lady that was incorrect and gave her the transaction id and account numbers. She said there was nothing she could do. I am out {$200.00} and completely baffled that this is acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: MA

Complaint narrative:
I am writing to file a complaint against Experian regarding inaccurate information on my credit report, which I initially brought to their attention on XX/XX/XXXX. Despite my efforts, I have not received a response from Experian to date. 

The details of the inaccurate information and the necessary corrections are outlined below : The following account was never late : Creditor : XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Request : Please remove the late payment. 

The following account was never late : Creditor : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$990.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$720.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$720.00} Request : Please correct/update this inaccurate information 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 explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/2023 I bought a pair of shoes at a website called XXXX for an amount of XXXX, my order was shipped XX/XX/XXXX WITH the TRACKING NUMBER XXXX through XXXX. According to this seller was item then was deliver on the XXXX the XXXX under a different tracking number XXXX. I tried first to contact the seller and he send to usps to get a lost mail " certificated '' but when I went there the item never arrived to usps, I to tracked the through usps the label said " Label created, not yet in the system so I contact the customer service of that company XXXX and submit a dispute for 4 days and they denied me because the seller have proved of delivery. 
So I request to be send the proof of delivery to the seller and when I said proof of delivery is that usps take when they deliver a item that can not fit in the mail box like this air of shoes. The seller couldn't not provide proof of that, I talked with the customer service and they refer me to XXXX but when I contacted them they send me back to USPS. So I contacted USPS to get a proof and she said that unfortunately the item was never in the system so they could not provide any proof other that was the screenshot of the tracking in the usps website. I already have bought item outside of the country the tracking number never changes and they are also able to be tracked in the usps website, a status of 'label created, not yet in the system means that usps is still waiting for the item so this seller never send the item.

When I contacted my bank they denied my three times my dispute saying that they seller have proofs of the delivery even though I send them all the SC shoot of them and the seller going back and forth and not been able to proved proof of delivery outside o the tracking number in the website called XXXXXXXX XXXX as well the reviews of other customers not receiving their packages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am submitting this comprehensive complaint against Westlake Portfolio Management , LLC, for engaging in a pattern of unethical practices and legal violations across multiple states. These practices include unauthorized legal representation of XXXX XXXX XXXX XXXX XXXX, financial misconduct related to alleged debts, violation of a cease and desist order, and harassment, including skip tracing attempts. 

XXXX of Facts : XXXX. Cease and Desist Order Violation and Harassment : In violation of a cease and desist order issued in 2023, I have received unsolicited calls from Westlake Portfolio Management, including calls from the number XXXX. These calls, which I believe are attempts to skip trace my location, constitute harassment and a direct violation of the order. 

XXXX. Unauthorized Legal Representation : Westlake Portfolio Management has been using its counsel, XXXX, XXXX & XXXX, to represent XXXX XXXX XXXX XXXX XXXX, in state cases across XXXX XXXX XXXX XXXX XXXX XXXX, without authorization. This misrepresentation raises ethical and legal concerns. 

XXXX. Financial Interest in Alleged Debt : Westlake Portfolio Management holds a financial interest in the alleged debt of XXXX XXXX XXXX XXXX XXXX, influencing their legal actions and representation strategies. 

Allegations and Relevant Laws : - Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, for engaging in deceptive and abusive debt collection practices. 
- Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227, for unauthorized telephone solicitations and the use of automated telephone equipment. 
- Potential Violations of State Bar Association Rules and Ethical Standards across multiple states.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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:
My name is XXXX XXXX, and I am creating this statement. It has come to my attention that there have been several accounts under my name fraudulently my information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies this information that results from alleged identity theft. Also, 15 US Code 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts never have received written instructions from me to report anything on my behalf.

Additional Unauthorized Hard Inquires : 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 2024-01-29 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am creating this statement. It has come to my attention that there have been several accounts under my name fraudulently my information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies this information that results from alleged identity theft. Also, 15 US Code 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts never have received written instructions from me to report anything on my behalf.

Additional Unauthorized Hard Inquires : 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 2024-01-29 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: MA

Complaint narrative:
I am writing to formally dispute and request corrections to the inaccurate information present on my credit report maintained by Experian. On XX/XX/XXXX, I initiated contact with Experian regarding the discrepancies outlined below. Despite my initial communication, I have not received a response from Experian as of the date of this letter. 
Details of the inaccuracies and required corrections : XXXX XXXX Account Number : [ Your Account Number ] Date Opened : XX/XX/XXXX Balance : {$520.00} Experian is reporting the XXXX XXXX  account with an incorrect balance of {$520.00}. I dispute this amount, as I distinctly recall the balance being lower. Furthermore, I request the deletion of information related to the Past Due amount, as the account is closed and charged-off. To prevent any adverse impact on my credit score, I request marking this account as disputed. 


XXXX  - Account XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} Original Creditor : XXXX  This account is not mine. I request the immediate removal of this entry from my credit report. 

XXXX  - Account XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Original Creditor : XXXX  This account is not mine. I request the immediate removal of this entry from my credit report. 

XXXX  - Account XXXX Date Opened : XX/XX/XXXX High Credit : {$560.00} Original Creditor : XXXX  This account is not mine. I request the immediate removal of this entry from my credit report. 

XXXX  - Account XXXX Date Opened : XX/XX/XXXX High Credit : {$410.00} Original Creditor : XXXX  This account is not mine. I request the immediate removal of this entry from my credit report. 

XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} This account is not mine. I request the immediate removal of this entry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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