vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 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: Westlake Services, LLC
State: NY

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-03-28 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am being taken advantage of as a consumer in law. These inaccurate items are damaging my credit and now in pending litigation.

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 2024-03-28 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: VA

Complaint narrative:
On my reports through XXXX and Experian there is an address I have never been associated with and may be the result of identity theft. 
The address in question is XXXX XXXX XXXX XXXX, I have never been associated with this address and have never heard of it. 
I have contacted both companies and they won't remove the address.

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 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
While making more than the minimum payment on my Navy Federal credit card ( minimum payment due {$40.00} and, I noticed that I had to check the " I acknowledge that I'm paying less than my Due Amount '' box before I could proceed with my {$80.00} payment even though my {$80.00} was more than the {$40.00} that was due. 

This is misleading and deceptive practices. Furthermore if they are reporting this to the credit bureaus will add further insult to injury. 

Please advise if these are misleading and deceptive debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Complaint is against WellsFargo. WellsFargo Sent me this mediation request on XX/XX/year>. 

Tracking # XXXX - XXXX and XXXX WellsFargo Case Nmber : XXXX Wells Fargo Mediation # XXXX XXXX XXXX XXXX is working on this case. 

They closed these cases as i went on vacation and did not respond and I told them i will be on vacation and not available. 

I asked XXXX to reopen these cases 5 weeks back since then its been night mare to reach them and they never reopened cases. 

I want justice to be done as my money was stolen and fake accounts were opened on my name. Wellsfargo agreed when they did their own investigation and coming up with this remediation still they are playing games. 

Thank you. 

Regards, 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 2024-03-28 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-28 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: NY

Complaint narrative:
I checked my credit report and I can still see the inaccurate account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently maintained punctual payments on this account, ensuring they are never overdue. The reasons for the reported late payment remarks on my accounts are unclear to me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-28 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: Early Warning Services, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Early Warning Services XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Early Warning Services RE : XXXX To whom it may concern, I, XXXX XXXX, never gave ( XXXX, or Early Warning ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Having reviewed my credit report, I've detected inaccuracies and signs of fraudulent activity in the listed accounts. I am profoundly dissatisfied with this discovery and insist on the immediate removal of these inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
These companies are violating my privacy rights sharing my personal information without my consent ( 5 USC 552 ( a ) ( 16 CFR 313.7 -433.2- 433.3 ) these companies reporting I owe then funds without the proof Im requesting and I think they committed identity theft and fraud with sharing my personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : - XXXX -Date of inquiry : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: MA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-28 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: WI

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Would you mind examining the documents? Some of the mentioned accounts seem to be inaccurate in terms of reporting.

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 2024-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
( M & T bank insurance case # XXXX ) On XX/XX/XXXX myself and my wife & child were the victims of a flood and storm in XXXX XXXX XXXX that left damages to our home. The process of getting the funds from our insurance company has been absolutely horrendous and to add insult to injury, My mortgage company M & T Bank has made the process even harder for us. We were originally serviced by XXXX XXXX  when we first purchased our home in XXXX, but was later notified that our mortgage was sold to M & T Bank after hurricane sandy. I realize that banks have different procedures regarding insurance claims but XXXX XXXX  has never made the insurance claims process this difficult and hard. We were blindsided to the M & T bank regulations regarding insurance claim funds because we were never given new loan documents that would have explained the differences in regulations regarding insurance claims made on our property. As a result M & T Bank has denied our request to endorse our insurance check for our storm repairs even tho we meet the criteria of the check being under {$20000.00} ( after our private adjusters fee is taken out as per the M & T Bank claim loss representative XXXX XXXX ). We were denied and as a result have been given a hard time to receive our funds despite being a loyal customer and having our mortgage account in good standing. We have been suffering since the date of loss in XX/XX/XXXX and it is now days away from being XXXX which would be a total of 80 + days and we are still dealing with this terrible financial hardship with no resolution in sight. I have incurred numerous out of pocket financial expenses since this unexpected weather event has occured and have only received information by bank associates that lack empathy regarding my situation. We've been getting different explanations every time that we call the loss department for help in regards to our insurance claim and it is unfair. My wife is a XXXX XXXX surviving XXXX XXXX and i am a decorated retired XXXX XXXX XXXX XXXX XXXX that worked faithfully in the XXXX XXXX XXXX. We have both worked very hard to stay out of foreclosure within this terrible economy, and this situation has been absolutely terrible to our family. We are being treated like criminals on our own insurance claim. We pay our mortgage, taxes, and insurance faithfully and for M & T Bank to treat us like this is absolutely horrible. I pray no other home owner will ever have to experience what we've experienced.

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 2024-03-28 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: TX

Complaint narrative:
I received a copy of my credit report and i have found the following items listed below to be in error. These accounts are listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


I was Never Late on ( XX/XX/2024, XX/XX/2024 ) on this Account Please Update the account as PAID/CURRENT. 

I HAVE ATTACHED A DOCUMENT OF EVIDENCE OF CURRENT ACCOUNT AND NEVER LATE PAYMENT. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes.

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 2024-03-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently filed a complaint with CFPB ( XXXX ) on XXXX XXXX XXXX XXXX for a debt collection account. 
In this company response to that complaint they said that they cease debt collection and asked credit bureau to remove the account. This is still being reported on my Equifax Credit report. This item was also previously deleted then re-inserted as a paid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, I XXXX XXXX, consumer and natural person, am aware of all my rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also States a consumer reporting agency can not furnish an account without my written consent.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

It also States a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, I AM PREPARED FOR LITIGATION Sincerely, 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 2024-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I originally sent an email to the Nissan SCRA benefits department ( please see attached for accurate dates and accurate amounts of loan ) requesting the interest rate on my loan to be dropped from 9.12 % to 4-6 % per the SCRA benefits I qualified for under the SCRA LA Act and for it to be applied to both car loans I had with Nissan dating from XXXX. 
When I called to inquire about the benefits I was told that the old loan did not qualify for the benefits and no payment would be issued for the amount of interest I paid on that car loan. Which should have totaled over {$5000.00}, if not a substantial amount more ( not sure how the calculations are used ). 
I was also informed that the interest rate would be dropped, but that there would be no back payment made for the amount of 9.12 % interest that I made on the current car loan for the XXXX XXXX ( please see attached entire loan history for exact amounts and dates of payments and interest charged ) and that I only qualified for a {$490.00} ( approximate ) payment which Nissan would apply directly to my loan as a regular payment because in the past I requested a payment extension, and that if you do that it prevents Nissan from making a payment to the person with the account. 
When I called back because I did not understand, nor agree because I had done research on this and read the LA specific laws, it was explained to me that when I was a XXXX ( on the previous loan ) that the interest rate had been dropped from 13 % to 9.12 % once for my military service and since I opened a new car loan with them it did not apply for a back payment on the 9.12 % interest rate, and that XXXX owns Nissan and the state of LA does not qualify for this... I still do not understand what was explained to me as to why I did not qualify for the retroactive benefit, and why a larger payment was not issued directly to me in the amount that should have been the difference of interest I paid all the years I have in fact been on active duty for 9.12 % and 6 % they changed the loan to at the very end, which I paid off in full. 
It is clearly shown from the entire transaction history how much interest I was paying and when they made the adjustment in XXXX, but did not issue any payments to me for what is owed.

Company response to consumer: Closed with explanation