vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Westlake Financial has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-10-23 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: TX

Complaint narrative:
It should come naturally to understand the importance of an accurate credit report in one 's financial life. Finding errors in the credit report that conflict with one 's own financial records has therefore caused some concern. 

As a result, a request is made to correct these errors and update the credit record. A business such as yours is supposed to maintain strict standards of accuracy, and the records ought to accurately reflect your spending and saving patterns. 
I would appreciate a prompt response to this matter. It is hoped that quick action will be taken to correct these errors, considering the possible consequences. 

It is impossible to overstate how crucial accurate credit reporting is. Finding inaccuracies in the credit report is concerning because it is a crucial component of financial security. It raises questions regarding the stability of your services and your financial situation. The initial trust in your organization can be restored with a speedy resolution to this matter. 

We anticipate that this issue will receive prompt attention. In addition to being highly anticipated, a timely answer is also regarded as vitally important. You can rebuild confidence in your services and reinforce the legitimacy of your company by taking quick action to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: NY

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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: NY

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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In XXXX of 2023, I reached out to Citi Bank concerning that I could not log into my online account. I was informed that my account was locked and asked to verify information. I verified all required information and was still locked out of my account. I then reached back out and was told that they could not unlock my account. I asked why not and how was I to access my money in the account and I was hung up on. After multiple attempts to get any type of information other than " the account is locked and I don't have authorization to unlock it '', I received an email in XXXX stating that in 60 days, my account would be closed. I called and was told that in 60 days the account would be closed and a check sent to my address on file. I verified the address. 60 days later on XX/XX/XXXX, I contacted Citibank again and was told the check had already been sent. So I waited a week to receive it. When it did not arrive within 14 days, I reached back out. I was told that they would send an email to their " back office '' and send out a new check. I verified the address on file again. I was told this check would be to me in 10-14 days. I waited and again, 14 days later, no check. This has been a repeated cycle since XXXX. 5 months and the funds are still in the OPEN ACCOUNT, and I am still receiving monthly statements that I can not access and being told I am not allowed access to the 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 monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to CAPITAL ONE AUTO FINANCE. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within XXXX business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: NC

Complaint narrative:
In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from US Auto Sales. I also purchased a service contract warranty. The car had significant failures and hidden damages that started to surface within a couple weeks. I contacted US Auto on several occasions to set up repairs and they refused to return my calls. I attempted to make repairs and that is when the warranty company told me US Auto Sales defaulted on their payments and they would no longer be covering warranties. US Auto charged me for a service I can not use and they sold me a lemon based on N.C. Lemon laws. Im requesting compensation, cancel of the loan and I turn over the vehicle, or payment for all repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: NJ

Complaint narrative:
i informed the credit reporting agencies of the inaccurate information on the account, they failed to verify the account as 100 percent accurate.

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 2023-10-23 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: NJ

Complaint narrative:
i informed the credit reporting agencies of the inaccurate information on the account, they failed to verify the account as 100 percent accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Someone got my card and used it I dont know who but there is XXXX dollars missing its fraud I want the money I didnt use.

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 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX, XXXX {$1900.00} was withdrawn from Checking A/C ... XXXX ACH RETURN SETTLEMENT DEBIT But HAS NOT RETURN to my Saving A/C ... XXXX as of this date XX/XX/XXXX. XXXX The Bank name in this issue is CHASE BANK, in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Conduent Incorporated
State: OH

Complaint narrative:
I initially requested a replacement EPPIC card on XX/XX/2023 from XXXX 's XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. I did not receive the replacement card by XXXX XXXX so I requested another card. 

I never received the card requested on XXXX XXXX. The representative I spoke with suggested that the postal service may be at fault so I filed a complaint with us postal service regarding my mail delivery on XXXX XXXX. I also filed a request for us postal service to find my mail. 

I requested another replacement card on XX/XX/2023. This card never arrived. 
On XX/XX/2023 I called the service center and spoke to someone named XXXX and a supervisor named XXXX. I told XXXX I want to file a complaint against her company and ask that she reissue a replacement card. XXXX suggested that I temporary change my address to a XXXX XXXX XXXX somewhere else. I told her I have lived at this address for 18 years and never had trouble receiving my mail and that I will not change my address. 

As of today, I still have not received my replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: 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. 

Account Name : XXXX XXXX XXXX  XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: 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. 

Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-10-23 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: SLM CORPORATION
State: GA

Complaint narrative:
Ive disputed this fraudulent loan for years now, the loan is reported on my credit report with my SSN # and address but is not in my name. Its in my Deceased fathers name who had already passed away when the fraudulent loan was taken out in his name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: WI

Complaint narrative:
Phoenix financial services started to repeatedly call and wouldn't state who they were over the phone, instead they hung up and called again, even after they were told not to call again. Somebody received a letter in the mail for me then I knew who the callers was, it had some random " debt owed '' from 4 years ago for {$5.00}, then sent another letter for {$44.00} both for a creditor I've never even heard of, date of service I never seen anyone on. The XXXX places I've been, I haven't owed anything to for over 7 years due to always having XXXX insurances and paying at the time of appointment, I regularly check the accounts too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: NY

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  Account Number : XXXX Account Name : XXXX  XXXX XXXX L Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received two hard inquiries from Capital One... one was XX/XX/XXXX the other XX/XX/XXXX ... .I wish to have the XX/XX/2023 inquiry to be deleted..Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 USC 6802 A. may not disclose personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: IL

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
During Co-Vid I had this agency reach out to me regarding my student loans. I was ensuring that they were part of the Fed loan student processing center. They have informed me that if I make consistent payments of {$39.00} monthly for the next 10 years, my remaining balance will be removed. They sent me documents via mail and email, with the Department of Education logo. I was convinced it was the Department of Education. 
Moving forward, when I received my letter from XXXX, which I was transferred to I contacted them. I informed them that I have been making payment monthly since XX/XX/2022, of {$39.00}. They ran the agency I was in contact with and informed me this was fraudulent. The Fed loan Consolidation department is not with the Department of Education. XXXX provided me with all the websites I must report to. 

This third party agency has all my information. I had to close my checking account with XXXX XXXX and open a new one because I had them on auto-pay. I have paid this since XX/XX/2022, until the present day in the total amount of {$810.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: TX

Complaint narrative:
A request was submitted numerous times, most recently in XX/XX/2023 to have this inaccurate reporting removed from my credit report. They responded claiming this account was accurate, but I am not liable for this debt with Townhomes of XXXX XXXX for {$15000.00}. I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original contract as requested.

Company response to consumer: Closed with non-monetary relief