vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: 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. 

XXXX.Account name : XXXX XXXX XXXX Account XXXX XXXX, XXXX.Account Name : XXXX Account # XXXX, XXXXAccount Name : XXXX XXXX XXXX Account # XXXX, XXXXAccount Name : XXXX  Account number # XXXX, XXXX 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 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 2023-01-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I requested proof of verification from Experian 's investigation. According to FCRA consumer reporting agencies are suppose to provide proof of how they verified accounts that are being reported. 15 USC 1681a I am within my rights to ensure accuracy and facts on my credit report, and the law states I can request proof of verification giving detailed information on how each account was verified.

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 2023-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo reposed my car back in 2015 over 7 years ago and now this year they want to try to sue me for the debt owed after XXXX!!!. Also the sent this information to he irs to seize my funds to get there money after they got there car back. I now owe the irs money because of this. I have never had this happen to me and with them taking this to the irs and say they going to seize my wages and property. I now have a XXXX debt owed to the irs that I can not afford to pay back because of Wells Fargo. Please if someone can get back to me about this. Thanks again

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 2023-01-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. WHAT WOULD BE A FAIR RESOLUTION 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 non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Multiple calls were made to my personal phone number DAILY from the same company with different numbers. This continues to happen even after a call on XX/XX/2022 ( I believe ) to this company to desist and that we would sign over our vehicle back to them. 

I notified the company around XXXX XXXX, 2022 that my income had GREATLY decreased and that we would do our best to pay. They notified me that I could not lower my payments and told me to pay and threatened repossession and that they would report my delinquent activity to the credit bureau. My family couldnt afford to eat working on a XXXX budget with an auto loan that cost {$500.00} per month and would sometimes throw my account way more in the negative.

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 2023-01-25 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:
Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 



In accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : 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 XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Mortgage Companies XXXX Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/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 consent and 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
This loan was paid off two months ago yet I have not received my title or any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: DE

Complaint narrative:
XXXX used my information, meaning IDENTITY THEFT AND FRAUD. I didn't give them permission at all to use my personal information. I have sent them countless emails for them to remove these inquiries and bogus accounts. I even sent them 15 USC 1681c-2 and 15 USC 1681B ( a ) they continue to disperse my information to other agencies, and it is extremely frustrating to gain good credit, house, car or credit, because they are accessing incorrect information, and without my permission to use ANY OF MY PERSONAL INFORMATION. They have constantly ignored me, after asking and demanding that they remove these items! They also ignored the USC-laws as well.

Please see that these items are indeed removed.

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/2023 I attempted to cash out {$480.00} from my cash app account to my bank account. I was prompted to give my debit card information and or bank account information, I never got a message like that before, and I decided to wait a couple of days. On XX/XX/XXXX I attempted to cash out again the {$480.00} sitting in my cash app account, and the same price came up again asking me to give my credit card information. At that point I called Cash App from a number in my XXXX search. The person on the other end explained to me that he can fix the problem, I needed to open an app called go to resolve which I did, and he was able to steal my money through a series of transactions. When I realize what happened I called and got a cash app representative and gave him all the information and persons name and number. XXXX then told me they will email me the results of my claim. He let me know that it would take at least 10 days to get a result from this claim. The very next day XX/XX/XXXX I received an email from Cash App stating I authorized the transactions and theres nothing he could do. My argument is I never would have reached out to anyone had I not been prompted to give my credit card information or bank account information when I try to cash out. Ive never experienced a problem cashing out before. This person was able to take {$480.00} from my cash app account and also take {$480.00} from my checking account. This person also try to obtain a loan from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on the same day. There were other fraudulent activities on my other bank account from the same person in which he was unsuccessful to get the money. All of these transactions happen between XX/XX/2023. This individual called me on XXXX XXXX disguised as my bank asking me to speak to the Fraud Department and I simply told him I would talk to someone in the branch the next day they were attempting to try to get the rest of the money out of my checking account through a credit card in which they transferred {$3000.00} from to put into my checking account. He used the name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc.
State: FL

Complaint narrative:
This bottom feeder debt collection agency which purportedly purchases debts for pennies on the dollar is attempting to collect an alleged debt. The alleged debt is time barred from any credit reporting which they should already be aware of. Furthermore, I received a letter dated XX/XX/2023 from this company. By way of this complaint, the business is to cease and desist all communication tactics. Reference number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: NC

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : P. O. Box XXXX XXXX NC XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: NC

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : P. O. Box XXXX XXXX NC XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I stopped using the credit card when it changed from XXXX XXXX XXXX to Marcus by Goldman Sachs about XXXX years ago. There happened to be a balance and fees on the card which I paid and closed the card at that time. I forgot about the card. 
It so happened that there was XXXX XXXX remaining balance on the card. I was sure the card had been closed... Then after a few months I was somehow informed that there was a XXXX balance on the card which I considered closed. I called them and tried to explain that I didn't need to use the card and if they wanted me to pay the XXXXXXXX XXXX balance they should have notified me about the balance instead of keeping it open despite my decision to close it and adding monthly late/non-payment charges to it. 
The bank people are now calling me and threatening with collection. Please help me to solve this situation with the GS bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24 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: NY

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

Account name : XXXX XXXX XXXX Account number:XXXX 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 explanation
Consumer complaint received 2023-01-25 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 XXXX XXXX ( Original Creditor : XXXX XXXXXXXX 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 consent and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: CA

Complaint narrative:
According to the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. They are furnishing inaccurate information on my credit report 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 account under an open-end consumer credit plan as late for any reason.

I have attached a screenshot of my credit report, highlighted in red is all the information they are furnishing that is inaccurate & unlawful for account # 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 2023-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
There has been an ongoing issue with LoanMart ( on behalf of XXXX XXXXXXXX XXXX ). Initially, they charged an interest rate of 98.64 % on an approximately {$11000.00} loan. Then when I struggled with payments, they finally reduced the interest rate to 33.02 %, which still has payments of {$650.00}. I also found out that my vehicle loan is NOT listed on my credit reports because LoanMart is not reporting my loan to the credit bureaus, and I can not even trade my vehicle in for another car due to this. The dealership I'm working with said that my vehicle is a ghost because of what LoanMart has done. Also, I addressed the interest rate with LoanMart because I am a resident of Florida, and the loan was issued to me as a Florida resident. LoanMart said they are not bound by Florida law, which makes the 33.02 % interest illegal. Also, I read that title loans in Florida can not go over 18 % if they are over {$3000.00}. I need help in getting a resolution with this company. I believe my loan agreement is illegal and invalid. Again, LoanMart said because XXXX XXXX is a Utah-chartered bank, they are not bound by Florida law XXXX which I disagree with because I'm a Florida resident XXXX They issued a loan to me in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This is not my authorized inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: GA

Complaint narrative:
This is not my authorized inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is not my authorized inquiry

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 2023-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
The beginning of the new year, I reviewed my credit report only to find and erroneous collection effecting my credit. 

Never once did I receive a letter of representation about this collection agency claiming I own XXXX XXXX bank money. 
I never opened a XXXX XXXX account, ever After speaking to my lawyer, he advised me to send a letter of dispute to the reporting collection agency that is reporting negatively on my credit report. 

This evening I received a garbage statement that tells me nothing. Nothing itemized, no contact with my signature, just a piece of computer paper that shows a balance owing This is not validating the debt. I want the original contract showing my signature, purchases, and payments made Again, as I stated earlier in this complaint, I never had a XXXX XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I paid for services but after a few short months I realized that I was not getting what I was promised, results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
In response to a letter from Carrington Mortgage dated XX/XX/2023, 'Incomplete Package COVID-19 Loss Mitigation Review '. I replied with the documents they requested on XX/XX/2023, by email. I assume, XXXXin CM response ' I received an email on XX/XX/2023. I have been notified to sign and notarize a payoff quote for someone who lives in XXXX, Texas. This has become a complete failure for Carrington Mortgage to enforce anything.

Company response to consumer: Closed with explanation