vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: GA

Complaint narrative:
On multiple occasions I have sent letters to Complete Credit Solutions and they have ignored me each time. 
Never responded to anything. Even multiple certified letters. 
I've never done business or entered into a contract with them. 
Also did they pul my credit report on XXXX XXXX without my consent. 
I never gave permission to any of the above. 
I demand removal of the debt and the inquiry immediately. I demand removal of the debt and the inquiry immediately.

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 2023-06-05 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: TX

Complaint narrative:
I am not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I have sent multiple letters to Experian disputing a collection that has not provided me with proper debt validation, and the last letter was sent to Experian on XX/XX/2023. Until today, XX/XX/2023, I have not received the letter with the results of this dispute.

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 2023-06-05 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: TX

Complaint narrative:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

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 2023-06-05 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX account # XXXX, XXXX, XXXX, XXXX, has violanted my rights. 

15 US 1681 Section 602 states I have a right to privacy.

15 US 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 US 1666B : A Creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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 XXXX  account # XXXX, XXXX, XXXX, XXXX, has violanted my rights. 

15 US 1681 Section 602 states I have a right to privacy.

15 US 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 US 1666B : A Creditor may not treat 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 2023-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: WI

Complaint narrative:
On XX/XX/2023 a credit card company had filed a small claims suet against me. This debt is being payed through a legal action in Wisconsin called XXXX XXXX. I discovered the suet on XX/XX/2023 and I immediately had the XXXX XXXX trustee contact opposing counsel to stop these proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Dear CFPB, I received a copy of credit report and have found the following item listed below to be an error. This account is listed with a 30 day late payment and that is incorrect. The following account was never late and should be listed as Paid Satisfactory. 

XXXX - I was never late on XX/XX/2019 on this account. Please update the account as Paid satisfactory. 

By the provisions of the Fair Credit Reporting Act, I ask that these items be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted them. Please again remove any information that the creditor is unable to verify. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: MO

Complaint narrative:
Equifax has not only impacted my personal information through their data breach. I am a victim of Identity Theft and they are the only bureau that hasn't removed the fraudulent information from my credit profile! I have submitted all of the required information to them which will be attached with this complaint via USPS certified mail and it has been over a month and it is still " under investigation ''. Fraudulent accounts are to be blocked from reporting within 4 business days after the date of receipt according to 15 US Code 1681c-2. It has been more than 30 days which means I also have the right to have this account and the address attached to it removed immediately ( Section 611a ). Equifax is also in violation of FDCPA Section 807 by reporting misleading information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: VA

Complaint narrative:
I have a bunch of credit inquiries that do not belong to me

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 2023-06-05 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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. The above companies have not verify proof of my identiy, drivers licence or signatures

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: NV

Complaint narrative:
By the fair credit reporting act, this credit has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 USC section 604 a section 2 a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a credit may not treat a payment on a credit card account under an open end consumer plan as late payment for any purpose.

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 2023-06-05 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: NV

Complaint narrative:
By the fair credit reporting act, this credit has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 USC section 604 a section 2 a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a credit may not treat a payment on a credit card account under an open end consumer plan as late payment for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened my account XX/XX/23 after being promised a {$400.00} account opening bonus. I was required to have 2 direct deposits totalling over {$1000.00} within 30 days of account opening. Then I was to be given the bonuses in 4-6 weeks. I have met all the requirements I called Truist and they ha e now put in 3 separate requests for why the bonus wasn't received. All of these requests take 10 business days but it has been over 60 days since the initial request and they still have no answer as to why I didn't receive the bonus or when I can expect it. I would not have chosen Truist if it weren't for the bonus and its misleading to new account openers.

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 2023-06-05 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: IL

Complaint narrative:
There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also inquired on XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized 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 2023-06-05 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: TX

Complaint narrative:
I did not consent to authorize nor benefit from these account ( s ).

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The Credit Bureaus stated that my account was properly investigated, but that cant be possible because there are multiple inaccuracies on my report including : Date Opened, High Credit, Date Last Reported, Date Last Active, Date of Last Payment. 15 U.S.C 1681 SECTION 602 A. States I have a 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 instruction. The following accounts are included : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
On XX/XX/23, our mortgage loan was transferred to this company. Since then, we have not been able to make contact with a representative about making sure we receive our monthly statement. Unable to get past their automated system. This is a simple process to complete. We have not requested paperless billing. I have reached via their website to their president with no success. I have filed a complaint with the Texas Dept of Savings and Loan as well as North Carolina Dept of Savings and Loan. If the interest rates were not so high, I would refinance with a local bank so that my loan servicing would not get sold. I have to set a reminder on my phone each month to pay. Even if I had chosen to go paperless, we have not received any communications whatsoever from this servicer. I just want a hard copy monthly statement of my mortgage account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I was given a pre approval from my credit union, XXXX. 
The dealer, XXXX XXXX said it was not an approval and they set me up with Westlake Financial. The car was XXXX I put XXXX cash deposit. They said they had to hike up the amount of the vehicle because Westlake charged them a dealer fee so they made it look like I was paying XXXX for a warranty. The total to be financed ended up being almost {$18000.00}. Four days after I took ownership of the vehicle the alternator went while I was driving and I almost had an accident. The vehicle was towed to the dealer and I told them I want my money back. The dealer is refusing and Westlake says it he alternator is not a big deal. I then told Westlake I want to do a voluntary surrender and they said I have to make a payment before I can do a voluntary surrender. 
I feel like Westlake and XXXX XXXX ( the dealer ) is working together and no one is taking my situation into consideration. I went to the XXXX and the dealer lied. I went to the XXXX attorney General and I was basically told too bad because the vehicle has XXXX miles.

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 2023-06-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to address the ongoing issue regarding the account restriction on my Capital One Quicksilver Secured credit card. As a responsible and dedicated cardholder since XX/XX/XXXX, I value the services provided by Capital One and have diligently maintained timely bill payments and kept card utilization at a minimal level. 

On XXXX XX/XX/XXXX, I received a notice informing me that my account was restricted and that I needed to provide additional identity verification documents. In response, I promptly submitted all the requested identification documents as instructed on XXXX XX/XX/XXXX. I can confirm that all the required documents were successfully uploaded and received on your end. 

However, on XXXX XX/XX/XXXX, I received a follow-up call from Capital One requesting further identification documents for XXXX XXXX, who is an authorized user on the same credit card account since XX/XX/XXXX. Specifically, Capital One requested XXXX XXXX 's XXXX driver 's license and social security number ( SSN ) card. 

It is important to note that XXXX XXXX is a citizen of the XXXX XXXX and entered the United States on a tourist visa. He possesses a valid XXXX driver 's license issued in Texas, a copy of which ( front and back ) was submitted to Capital One on XXXX XX/XX/XXXX. However, as a visitor to the XXXX, he is not eligible to apply for an SSN, and thus, does not currently hold an SSN card. I conveyed this information in a formal letter to Capital One dated XXXX XX/XX/XXXX, a copy of which is attached for your reference. Regrettably, I have not received any response from Capital One since then. 

In an attempt to resolve this matter, I contacted the hotline at XXXX on XXXX XX/XX/XXXX to follow up on the case. During the call, I was informed that I should provide the ITIN ( Individual Taxpayer Identification Number ) for the authorized user in lieu of the XXXX. Unfortunately, XXXX XXXX is not eligible to apply for an ITIN due to the same reasons as the XXXX. Once again, I explained this situation in writing to Capital One through a letter dated XXXX XX/XX/XXXX, a copy of which is also attached. 

Throughout this entire process, I have consistently inquired about acceptable alternatives to the SSN/ITIN as proof of identity for XXXX XXXX, considering the unique circumstances. I am more than willing to provide a copy of his XXXX visa issued by the appropriate XXXX authority or his passport as further evidence of his identity. However, Capital One has firmly insisted on the requirement of an SSN/ITIN, which I am unable to provide. 

Additionally, I have proposed the removal of XXXX XXXX as an authorized user if it would help resolve this situation. Unfortunately, I was informed that no changes can be made to the account while it remains under restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has purchased false information from XXXX XXXX XXXX and using this information against me on my credit report without factual evidence of this alleged bankruptcy. I have asked Transunion for proof of this alleged bankruptcy in the form of a legal notarized agreement or contract with my personal signature or consent and Transunion is unable to provide any factual documentation. Using consumer information is a violation of my FCRA privacy laws and I have not provided my social security number or drivers license or any personal data to the third party entity XXXX which was recently sued for millions of dollars for violating consumers rights. I am a recipient of monetary compensation awarded to me from the FTC of which XXXX paid out millions of dollars to victims like myself for misusing and falsely claiming debt and fraudulent financial statements that I have not done. Transunion is aware of XXXX lawsuit and is still violating my rights.

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