vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-15 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: Experian Information Solutions Inc.
State: OH

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 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 2023-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: ID

Complaint narrative:
XXXX XXXX received notification from my insurance company that my premium had not been paid. I spoke with Valon Mortgage, and confirmed with them on the phone, the correct mailing address, as provided on the letter from my insurance company. I was assured this matter would be taken care of. 
XX/XX/2023- received a letter from insurance company that the policy was still unpaid. XXXX Called Insurance, and was informed that they had received a check from Valon , however, Valon then proceeded to order a stop pay on the check, and would not honor it. Called Valon, and they assured me it was a mistake, and they would correct the problem. We had a 3 way call with insurance and Valon, where the mailing information and dollar amount were confirmed directly with Valon, while I was still on the line. Valon insisted they would send out a check by mid-week the following week. 
XX/XX/2023 - Found out my homeowners insurance policy was cancelled due to Valon never submitting payment. Spoke with insurance, and they were able to reinstate my policy, unfortunately at a higher cost. I have paid the policy premium, and have requested Valon to respond to this issue, and I will be expecting reimbursement. Not paying insurance, appears to be a common theme with this company based on other XXXX XXXX XXXX  complaints. I firmly believe this company is taking customers money, and fraudulently using the escrow funds, instead of paying what should be paid out of impound accounts. They need to be held accountable. I work in the real estate industry, and what Valon Mortgage is doing, is wrong. They need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I have sent the money to someone however the money hasnt been received on their end and the amount has been deducted from my account. The app shows that the transaction is completed but they havent received the money. 
I would like to get my money back as the other party hasnt received it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: MI

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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.

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 items of information, other than convictions of crimes which antedates the report by 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.

These inaccuracies are damaging to my reputation. Making it impossible to obtain a home, vehicle, credit, and employment.

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 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has committed fraudulent and misleading acts in relation to a secured credit card account I opened in XX/XX/XXXX, ending in XXXX. I applied for and opened a SECURED credit card, and deposited {$200.00} which set the limit for my credit. I intentionally chose to open this secured credit card because it gave me the power to add to my own line of credit at my own convenience. Capital One, WITHOUT MY CONSENT, upgraded this account to an unsecured credit card and refunded my deposit, effectively taking away my power to add to my own credit line. I did not want or consent to this upgrade, and was never given prior notification or the ability to opt out of this upgrade. I was also never clearly informed that the account I thought I was opening had a mandatory upgrade built into it. I never would have opened the original secured card if I had known this was the case. 

On top of this aforementioned problem, the secured credit card account that I opened, which now no longer exists because I dont have a secured credit card where I can add to my own line of credit at will, had an alleged late payment reporting in XX/XX/XXXX. This late payment is still reporting on the current unsecured credit card, as though the two different credit cards are the same product. Clearly they are not, because if it was the same product, I would be able to deposit more money into the account to raise my own credit limit. I have been repeatedly denied credit limit increases and am extremely unhappy with the current state of this account. 

The current Unsecured Credit card has had 0 late payments since the non-consensual upgrade, yet it is negatively reporting as was 30 days past due date and it is negatively affecting my credit score, as well as causing harm to my personal reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I my first vehicle from USA auto sales ... XXXX FL... In the beginning of XXXX,, a XXXX XXXX. Withing a week the engine went out... I went through the process of with XXXX XXXX. They had my car for 10 days,, the motor was bad,, us auto said they wouldn't fix it .... I asked for my down payment back, they refused,,,,... they pressured me,, and tricked me to get another car... They said they would put me into another car,, but I told them the only way I will is if they give me a extended warranty on my car to insure it would get fixed, they agree... they put me in another vehicle,,, within a week the brakes went out... I contacted us auto sales,,, also the mechanic shop contacted them about the warranty, they denied my warranty,, said they wasn't going to fix it... The next week after that thay closed there business,,, they sold me a XXXX car,,, but didn't give me a XXXX XXXXar warranty .... false business practice,, deceptive tactics, ,three months later, ,while I have a car with no brakes,,,, I notice they Transfered my loan to a debt collector,,, Westlake Portfolio... which made my credit score drop significantly ..... So I called the new Westlake Portfolio to see if they would honor my extended warranty,, they also denied to fix the vehicle,, .. it's the same occuring brake problem on the vehicle, ,it not safe to drive,,, I recently lost my job XXXX,, because the mechanic shop had it for another 10 days,,, when they denied to fix my vehicle ... .this car is a lemon ... .. Also my balance that I pay on my vehicle has moved,,, I think they were double billing me,,, I still owe the same thing I owed when I first got the vehicle ..... I also have other people who been deceived by the same company..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo hold up doing an Claims by investigations and that takes too long. All i want is my money back in my account when i submit a calim -- no more of this computer AI XXXX. No one needs to investigate the claims, they just need to return the money, and not threaten to take 10 business days as they claim. It takes two seconds to return the XXXX money!! 

give me my money back from these claims!!

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 2023-10-15 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: GA

Complaint narrative:
I am writing in response to your notice about an alleged debt : SOURCE RECEIVABLES M XXXX XXXX XXXX Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in GEORGIA. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation. 
DELETE ALL THESE INQUIRES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
Back in XX/XX/2023. I started receiving email notifications as well as text messages about a debt owed to XXXX XXXX. Whats the temperature of it being collected on behalf of Trans world systems inc. me being very confused because I know for certain I dont owe any debt to the company mentioned I immediately sent in a request for death validation. This was done back in XX/XX/2023. I subsequently never received a response moving forward on XX/XX/2023. I noticed that the company was reporting this negative item as a collection on my credit report. I only asked that this be removed for the debt is one not validating in the amount of time given, and it is an improper an owed debt.

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing in response to your notice about an alleged debt : XXXX XXXX XXXX XXXX XXXX XXXX Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in GEORGIA. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation.

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 2023-10-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian, XXXX and XXXX are violating my consumer rights according to U.S. Code 1666b and U.S. Code 1681a ( 2 ) ( a ) ( i ). I seek information regarding the verification process used by Experian, XXXX, and XXXX to report late payments on my XXXX account, in line with U.S. Code 1666b. XXXX XXXX XXXX XXXX ( XXXX ) NEVER mailed me periodic statements 21 days before the due dates, as required by U.S. Code 1666b, for specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I question the inclusion of these late payments in my credit report under U.S. Code 1681a ( 2 ) ( a ) ( i ).

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 2023-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI

Complaint narrative:
I received a copy of my credit report and I am writing to dispute the following information that appears on my XXXX report, XXXX and XXXX. 
The following inquiries are not accurate. XXXX XXXX, they reported the charge off on XX/XX/2023 but I already paid and verified the payment via Guardian Capital Management Hawaii on XX/XX/2023. Please see attached and receipt for verification. 
According to the Fair Credit Reporting Act, I demand that these item be investigated and removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am unable to secure housing ( rental ) due to 2019 'eviction ' appearing on TransUnion report. The eviction record does not include the final judgement, dates of filing and settlement, or settlement amount. I was never evicted from the home, I did not give authorization for these court filings to be released and the inaccurate information has caused me to be denied housing for my family.

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 2023-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

XXXX XXXX please delete this item XXXX XXXX XXXX please delete this item I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to Provide that proof, or if lacking proof of these payments being late. please update my_ payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws

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 2023-10-15 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchrony Bank continues to lower my credit limits on accounts that have no late payments causing my credit score to be negatively impacted. This started with my Amazon credit card almost 5 years ago. They just recently reduced it to only leave {$9.00} available instead of the roughly {$100.00} available credit I had. I had also opened a line of credit through Synchrony Bank at Rooms To Go. I was granted a {$4000.00} line of credit, used about half of that and have already repaid the majority of the balance, never been late on payments there either, but they also reduced that credit limit to {$1100.00} recently - leaving me less than {$200.00} available credit. Each time they lower my credit limit, it appears that my balance is high and the credit is maxed out, which lowers my credit score and they use that as an excuse to continue lowering my limit - an unjust cycle.

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 2023-10-15 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We have purchased a used car from XXXX for XXXX USD. I had to pay XXXX USD to remedy some of the issues out of pocket while the car had these symptoms. After spending this money the car has most of these issues. The car had an open XXXX relating to an open recall which the car not even had inspected for. Not to mention that this is an engineering desing flaw, error of the car which XXXX didnt disclose. I finaced this car based on the condition of our conrtact with XXXX. I took this case to XXXX as per our conract and XXXX is declining to provide evidence that this car have been inspected, serviced and repaired prior to selling it 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 2023-10-15 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: GA

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

[ XXXX XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to Provide that proof, or if lacking proof of these payments being late. please update my_ payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: MD

Complaint narrative:
XXXX, XXXX and TransUnion are violating my consumer rights according to U.S. Code 1666b and U.S. Code 1681a ( 2 ) ( a ) ( i ). I seek information regarding the verification process used by XXXX, XXXX, and TransUnion to report late payments on my XXXX account, in line with U.S. Code 1666b. XXXX XXXX XXXX XXXX ( XXXX ) NEVER mailed me periodic statements 21 days before the due dates, as required by U.S. Code 1666b, for specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I question the inclusion of these late payments in my credit report under U.S. Code 1681a ( 2 ) ( a ) ( i ).

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