vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX I filed a dispute with experian to inform them that my address is not correct also a company needed to be removed from my credit report along with documents showing it was wrong. it was still to no effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
XXXX Account XXXX # XXXX XXXX XXXX XXXX I am contacting you regarding in-accuracies on my credit report. Under HEROES ACT SECTION 110401 WHICH STATES SUSPENSION OF NEGATIVE CONSUMER CREDIT REPORTING during the COVID- 19 PANDEMIC PLUS AN ADDITIONAL 120 DAYS, ( XXXX/MILSNE ) IS NOT IN ACCORDANCE. 

( XXXX/MILSTNE # XXXX XXXX XXXX XXXX ) LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE DUE TO THESE VIOLATIONS OF MY CONSUMER RIGHTS, I AM DEMANDING, THE REMOVAL THESE LATE PAYMENT REMARKS, UPDATE AS PAID, NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I paid off this debt on XX/XX/XXXX. Previous to this, they were calling all hours of the night and day ( after XXXX. ) They provided no receipt, nor confirmation of payment. When I called asking for proof of payment they were incredibly rude with me. I then requested a letter stating the debt had been paid. I was told to wait 10 business days, I did. I then called asking for the letter, I was told I'd receive in 1 - 2 days. I never received the letter or receipt. I've now called every day for the past few days. They say they'll send the documentation but they don't. They are rude and nasty with me on the phone. One accused me to using profanity ( I didn't ) then hung up on me. I need this letter, or even some sort of proof of payment in order to get financial aid for my schooling. I've made it clear how important it is. They keep hanging up on me, or tell me they'll send by the end of the day then never do. I get similar responses to emails, stating " someone will send you the letter '' then never do.

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 2023-06-29 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: GA

Complaint narrative:
The Credit agencies does not have my written or verbal consent to obtain or sell my information regarding my bankruptcy file in XX/XX/2015 with the US BANKRUPTCY COURT-XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX. They are illegally giving out my personal information Per the Bankruptcy Court has no interaction with credit bureaus, including Equifax, XXXX, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: GA

Complaint narrative:
The Credit agencies does not have my written or verbal consent to obtain or sell my information regarding my bankruptcy file in XX/XX/2015 with the US BANKRUPTCY COURT-XXXX  XXXX XXXX XXXX XXXX , OH XXXX XXXX. They are illegally giving out my personal information Per the Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.

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 2023-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TMX Finance LLC
State: TX

Complaint narrative:
Title Max on XXXX XXXX XXXX XXXX, Issued a title loan to me, a consumer. When I reviewed the loan terms and ran a credit check. Title Max offered me XXXXXXXX XXXX on a XXXX  credit score accepting loan terms of 17 % interest. After my amount would be leaked on the dark web by Titlemax. Paying my title loan TitleMax employee mentioned if I gave XXXX XXXX on my first payment. '' My interest would drop dramatically. '' Looking into the terms of the contract that stated I would pay 198 % APR on my title loan of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: GA

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. 



has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Veros Credit, LLC
State: TX

Complaint narrative:
Ask them to send 1099c since it was written off and they was paid thru profit and loss. The debt is now income and must send a 1099c now thats its taxable income which is not reported to bureaus. Also could I get where I signed to have my credit reported by them. Because their LLC is different from car dealer. Id like it in writing and also the 1099c

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NEW CITY FUNDING CORP.
State: AR

Complaint narrative:
In my previous company about their bully of a collector they said they would stop contacting me by phone and they haven't! 

Attaching screen shot from today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I contacted my bank and informed them about transactions that needed to be charged back as the services were not rendered. The bank refused to handle the problem and in fact gave me the run around and several reps hung up on me. I even provided evidence and the bank did not care.

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 2023-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am receiving inaccurate and inconsistent reports from creditor Department XXXX XXXX XXXX XXXX I filed a hardship status for my student loans and begin to receive government assistance on all XXXX loans, these was loans was taken over by XXXX XXXX XXXX XXXX XXXX few years ago, I start noticing late payments on my credit report for student loans, after contacting XXXX I was told that department was closed down and my file was sent to another department that's handling student loans. In the process of my file being transferred to another department my credit report start getting derogatory remarks, then it went back to accurate and has maintained that status since XXXX. 

Department of XXXX XXXX has blatantly violating my rights to fair consumer protection Act, ( FCRA ), 15 U.S.C . 1681 et seq., by reporting differently to the XXXX credit bureaus with inaccurate and inconsistent information pertaining to these student loans accounts. 

Acct # XXXX shows 120 day late on XXXX, 90 days late on XXXX and 90 days late on TransUnion, on all XXXX loans that's listed with same account numbers.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am receiving inaccurate and inconsistent reports from creditor Department XXXX XXXX XXXX XXXX I filed a hardship status for my student loans and begin to receive government assistance on all XXXX loans, these was loans was taken over by XXXX XXXX XXXX XXXX XXXX few years ago, I start noticing late payments on my credit report for student loans, after contacting XXXX I was told that department was closed down and my file was sent to another department that's handling student loans. In the process of my file being transferred to another department my credit report start getting derogatory remarks, then it went back to accurate and has maintained that status since XXXX. 

Department of XXXX XXXX has blatantly violating my rights to fair consumer protection Act, ( FCRA ), 15 U.S.C . 1681 et seq., by reporting differently to the XXXX credit bureaus with inaccurate and inconsistent information pertaining to these student loans accounts. 

Acct # XXXX shows 120 day late on XXXX, 90 days late on Equifax and 90 days late on XXXX, on all XXXX loans that's listed with same account numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hi thank you for helping long story sorry. I bought a necklace thru XXXX which arrived different than the description. It came with three loose beads so I sent it back to XXXX and they said I damaged it and tried to send it back to me. Then I opened a case with PayPal credit company which is run by synchrony bank. They denied my dispute saying the seller refuse to give money back because he did not receive the item back. The item was with XXXX they tried to send it to me and they lost it in XXXX Later they found it XXXX and they ( XXXX ) had the item since. Now I dont have the item and my financial institution charged me back with the amount I purchased. Thank you so much

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 monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

The letters are stated with items and issues.

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 2023-06-28 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: TX

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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 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: TX

Complaint narrative:
Account : XXXX XXXX there are several inconsistencies regarding this account. I will attach document below

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 2023-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: SD

Complaint narrative:
On XX/XX/XXXX I received a letter from a third party debt collector by the name of The Best Service Company from XXXX XXXX California. 
It states I owe XXXX from XXXX XXXX XXXX XXXX. 
To this date I have no knowledge or admittance of ownership of this debt. 
It states it was from XXXX and it states they are charging a additional XXXX in interest. 
I also checked with XXXX XXXX if this debt was listed with them, it shows nothing in their system.

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 2023-06-28 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: 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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-06-29 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: MO

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. 
XXXX XXXX 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. And delete, this address never lived here XXXX XXXX XXXX, XXXX   XXXX, MO XXXX never gave this company written consent to add anything on my credit report. Please remove and delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: MO

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. 
XXXX XXXX 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. And delete, this address never lived here XXXX XXXX XXXX, XXXX  XXXX, MO XXXX never gave this company written consent to add anything on my credit report. Please remove and delete.

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