vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incident that occurred several years ago at XXXX XXXX. In 2015, I lost my wallet at the store located at XXXX XXXX Located In The Center Next To XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The wallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate the wallet, it was never recovered. 

Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. I am concerned that my personal information may have been stolen and used to commit identity theft. 

I am taking steps to protect my identity, such as filing this police report and placing fraud alerts with the credit bureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity. 

Thank you for your attention to this matter

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 2024-02-16 00:00:00
Product: Vehicle loan or lease — Lease
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: Westlake Services, LLC
State: GA

Complaint narrative:
Good morning, I financed my car through Westlake Financial. I made my last payment on XX/XX/XXXX and was told that the company was going to send me the documents I need to take to the DMV to get the title to my vehicle. I never received the paperwork. I called back XX/XX/XXXX and was told the exact same thing and was told I should have it in 10 days. The document never came. I called back on. XX/XX/XXXX and was told by a customer service representative that he made note of this situation and to call in 3 business days. I made contact with Westlake financial again on XX/XX/XXXX and was told by a customer service representative that they would have to start the process back over. I asked to speak to a supervisor, and he refuse to put me through. He then stated that he would send me an email once he spoke with his supervisor about the situation. I never received an email from them. I reached out again today, XX/XX/XXXX and spoke with XXXX XXXX. I told him about how I was getting the run around and it was not fair to me. I have paid my car off in full and still havent received the proper paperwork. I asked to speak with a supervisor, he put me on hold for 30 mins and then the call was disconnected. After reading all of the reviews on their website, I see now that I am not the only person whos been going through this. 

I called back 15 mins later and spoke with someone by the name of XXXX, she hung up on me when I started explaining why I was calling back. Called right back and spoke with XXXX ( wouldnt provide her last name ) she put me on hold for over 45 mins. Eventually the call was dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
In late XX/XX/XXXX I was informed by First Data ( FD ) that our credit card terminal was going out of support and that I had to upgrade to a newer model, if I wanted to maintain support ( which is important ). We did that and received the new machine. The Salesperson at First Data suggested a lease, versus buy option, so that if this new machine became end of life, we could easily migrate to the next edition. We took that advice and leased the terminal. 

A few weeks later I received a letter saying we either needed to pay FD an additional {$4.00} per month extra ( for " equipment protection '' ), or have FD added as an additional insured on our policy, and submit proof of that to them. We did the later and sent that information ( via the FAX they listed ) to them on or about XX/XX/XXXX ( I have a FAX receipt confirmation ). In early XX/XX/XXXX I got a second letter demanding I agree to the {$4.00} charge or send them the insurance confirmation. I did that again, but once again got another letter a couple of weeks later. I called their contact center, and they told me that their FAX machine was unreliable and that I should submit the form via email, which I did. On XX/XX/XXXX, I got yet another letter asking for the same information. I called the contact center again and they told me to just ignore the letters. I told them I want them to stop sending them, because they are creating confusion with our staff. They claim there is nothing they can do. I asked to speak with a management person, but they refused to connect me. Today I resubmitted, again via email, for a 4th time, the same information and demanded that they stop the letters. 

Our merchant Account XXXX is XXXX, XXXX XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: LA

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 explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one Bank is constant sending me email and text msgs about a few closed accounts. 

With this I request Capital One to stop with the day in day out harassments and accept my settlement offer...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: TN

Complaint narrative:
I noticed unauthorized inquiries XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>

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 2024-02-16 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I disputed 4 transactions months ago with the bank as I never received the packages. I reached out to all merchants with no response or either them refusing to refund or replace my orders. Therefore I contacted the bank to dispute the charges. The bank called themselves 'investigating ' although the only info they asked from me was the few questions they asked to file the dispute. They never reached out to me for any additional information and closed all disputes with the response of saying the charges were valid. The reason for the disputes was not to question whether the charges were valid. I made the purchases but never received the items I paid for and the bank refused to do anything for me and just closed the disputes because they were lazy. The transactions in question were At XXXX XX/XX/2023 {$610.00} XXXX XX/XX/2023 {$290.00} XXXX XXXXXX/XX/2023 {$230.00} XXXX XXXX XX/XX/2023 {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: CA

Complaint narrative:
My credit card was closed by the bank. They don't have reasonable reason. I always maintain good credit status and I always make payment on time. There is a returned payment that is caused by their XXXX autopay system. I already pay off the statement balance on time but their autopay system still charge my 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 2024-02-16 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: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
The companies below have violated the Family Educational Rights and Privacy Act of 1974 that protects the privacy if student education records. 20 USC 1232g ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-02-16 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I bought a XXXX XXXX in XXXX XXXX XXXX ) on XX/XX/XXXX. I meant to buy the product in the installment payment, however the Apple Store employee did not do so. She informed me that I can still call the Apple Card and switch it. I did that the same day. 

I was not informed by the Apple Card Specialist that doing so would mean this product would NOT show up on my Apple Card Wallet. I only found this out on XX/XX/XXXX. 

Each month thereafter, I receive a charge on my card. However, this charge is not formally documented on my transactions. 

After reaching out for months, the only response I receive is that the payment is going to the installment plan by word through Apple Card support specialists. The transactions should match the amount that being charged and what I ultimately pay. I would prefer this in a formal document ( on paper and in writing ). 

The most recent response that I received on XX/XX/XXXX is for them to just emailing and physically mail me my statements, which are not accurate. 

Another related issue to this conversation to an installment plan I am unable to make more payments besides the designated monthly payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hello, I am filing this complaint to dispute the debt notice I received from XXXX XXXX, XXXX regarding the creditor Synchrony Bank. I was notified recently that I owed Synchrony Bank money for a debt that I was told in XX/XX/2023 that was credited in full. I am requesting that XXXX XXXX stop any collection attempts and proceed to speak with their creditor. I am not responsible for any debt associated with Synchrony Bank regarding my XXXXXXXX XXXX XXXX  that the balance was to be updated and credited for. Per Synchrony Bank customer care the debt was to be settled in XX/XX/2023 reflecting a {$0.00} balance on the account. 


Thank you, 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 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed before and its still there. There are FCRA violations. They need to be 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 explanation
Consumer complaint received 2024-02-16 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: AES/PHEAA
State: PA

Complaint narrative:
The companies below have violated the Family Educational Rights and Privacy Act of 1974 that protects the privacy if student education records. 20 USC 1232g ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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 non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX ACCOUNT # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXXXXXX 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 a account without my written instructions

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 2024-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The late dates for XXXX XXXX XXXX XXXX Account : XXXX, Date Opened : XX/XX/year> ) are inaccurately verified, violating the FCRA. Despite multiple attempts to resolve this with the bureau and furnisher directly, the failure to address this matter promptly will result in legal action.

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 2024-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a loan modification. I was approved then denied. I have all the documents for when I was approved for proof.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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. 

US DEPT. OF EDUCATIONXXXX : # XXXX, USDOEXXXX 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 a account 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 of 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2024-02-16 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: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: IL

Complaint narrative:
TransUnion received my identity theft report and letter on XX/XX/2024. However, they have put a 30 day dispute time limit on my identity theft instead of removing all accounts I listed in my identity theft report. Per the cfpb website when it comes to identity theft the bureaus have up to 4 days to block or remove information listed and inform the creditors of the identity theft report. Not investigate for 30 days. I am seeking {$5000.00} a day for every day past the 4 days they had to remove or block fraudulent accounts as well as remove all accounts and late payments in my identity theft report and letter immediately. They have violated my rights and I have called several times and they have assured me they only have to provide a response to me within 4 days and not actually block/remove identity theft accounts.

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