vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

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 2023-09-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a claim in my favor n the letter said I was to get the credit of XXXX XXXX never credited the account. They told me I had received the credit on the past. 
Which was I had a credit of XXXX but shortly after they debited out of the account $ XXXX, the amount of the claim that was just resolved. So they owe me the credits. The customer service representative even said she sees what I saying they did give me the credit bit then took XXXX back so that would mean they would have to credit the XXXX back. Nothing has been credited after se real escalations

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 2023-09-27 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: LA

Complaint narrative:
I have a vehicle financed by Westlake financial. The vehicle was in a wreck ( not our fault ) on XX/XX/XXXX. It was not drivable and the police had it towed to XXXX XXXX in XXXX XXXX, La. It took XXXX weeks to get a police report so we could make a claim. XX/XX/XXXX we get a claims adjuster through our policy with progressive. XX/XX/XXXX we call XXXX XXXX  to release the vehicle. We were then informed the vehicle had been picked up by the lien holder! After numerous phone calls we find out where the vehicle is. We call them, XXXX XXXX, and told the vehicle had been picked up as a REPO! I didnt even have a payment due at the time. After HOURS AND DAYS of calls to Westlake and being hung up on more times than I can count, we finally get a release so progressive can get the vehicle to a collision center. XX/XX/XXXX the truck was deemed a total loss. XXXX then sends the info to Westlake to get a LOG to pay it off and we had {$1400.00} in repo charges! I have never in my life talked to people as rude as Westlake. Not XXXX person in XXXX speaking and the notes on our account seem to disappear and change based on each phone call. As my car was at the collision center, more than XXXX agent told us the car was in transit to an auction yard to be sold! I have spent more than XXXX hours a day multiple days trying to get a resolution to the illegal repo of my vehicle. Not XXXX person will even listen or understand. In order for my insurance to try to close this out, I paid the {$1400.00} in repo fees XX/XX/25.. Now we cant get anyone to send in an accurate payoff. This has been the biggest nightmare and is far from over. We have left numerous messages and have tried everything we know and it has been a dead end at every turn. They did advise that they could pickup and repo the vehicle with no notice to us and again this was not a non payment issue. They are claiming its an abandoned vehicle that was impounded. No..that is not at all what happened. Please help us in any way you can. This can not be legal and Im trying everything to not have to turn this over to a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
To : XXXX XXXX, XXXX, RAS LaVrar , LLC XXXX XXXX XXXX XXXX XXXX floor XXXX FL XXXX. RE : your client XXXX XXXXXXXX XXXX  XXXX. Reference XXXX From : XXXX XXXX. 

I still have not received copies of the original cardmember agreements for any of my 4 XXXX accounts which would include the arbitration clauses and provisions. Since the accounts were opened many years ago, I need the agreements for each account in effect at account opening which may be entirely different from the agreements for new account holders. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have tried several times to request a FULL DISCLOSURE of my contract with Wells Fargo. To be exact I want a FULL ACCOUNTING OF THE PERFORMANCE of the contract meaning I want well Fargo to provide the full ledger credits and debits on ALL accounts opened in my name that includes any accounts opened in escrow. I have given authorization to my attorney in fact to request the same and to handle the account and he has not received anything as well-. In addition I have sent a Notice of Subrogation and Substitution, and Notice of Recession of SECURED interest however no solution has been reached and I am requesting arbitration and a cease and desist of the sale of my property

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 2023-09-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-27 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: NJ

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-09-27 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-09-27 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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-27 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Recently a collection has appeared on my XXXX report from a group named FIRSTPOINT COLL RESOURCES INC. I have NEVER been contacted by this group nor have they provided me ANY proof of any bill owed to " XXXX XXXX ''. As such this is a 100 % illegal and fraudulent collection. By law, they must contact me and provide proof. As they have violated the FCRA, I feel they should be fined, censured, or both. 
I have contacted XXXX to have this removed. If they do not do what is legally or ethically correct, I will also file a complaint against them as well. 
Companies can not do whatever they want to with no regard for the law. This is what has happened here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX of 2023 my debit card was charged {$500.00} three times and one charge for {$1000.00} on my Truist debit card. No fraud alerts were sent to me asking if I was the one making withdrawals. XXXX XXXX XXXX ( XXXX  ) who I did business with in the past claimed there was a glitch.they apologized and said a refund would be issued. I sent Truist all of the responses I got from this company. I sent emails to XXXX... well we are almost in XXXX... they credited my account {$2500.00} but the case is still not resolved..their customer service says there are waiting to hear back from the company... really? What if they went out of business? So my thing is, what are they going to tell me? We denied your claim because we have not heard from merchant? I already told Truist what my next step will be if they deny my claim and take back the {$2500.00}.

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 2023-09-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-09-27 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: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without 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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I called the company Wells Fargo to settle on a payment to be able to take this account off my credit report. Wells Fargo agreed to delete account and remark it as Settled as soon as I made them the settled payment but they didnt do anything of what we spoke about. I have letters proving it.

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 2023-09-27 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: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-09-27 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: NJ

Complaint narrative:
There is an unauthorized inquired from XXXX XXXX XXXX on my TRANSUNION consumer report. I have no knowledge of this inquiry. I have filed a FTC Identity Theft report which is attached.

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 2023-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: DE

Complaint narrative:
I am unable to send funds, use my digital card or cash out my balance. When asked to provide an explanation the company could not tell me why. This issue has persisted for over a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: VA

Complaint narrative:
After multiple attempts to fix my service with XXXX XXXX I finally cancelled the service because I needed a steady and trustworthy internet connection for my work. XXXX auto debited my credit card on XX/XX/2023 in the amount of {$270.00}. My normal monthly amount is {$100.00}, and I was not under any contract. I never received a printed bill for what the charges above the {$100.00} were and my online access to my account had been terminated as soon as I cancelled service. I called XXXX XXXX XXXX  times after that to request a copy of the billed amounts ( Phone logs were made available as validation ). 
I received nothing. I disputed the amount over the normal {$100.00} with my banking institution. XXXX XXXX was notified by my bank and after 2 months I received a letter from my bank validating that XXXX XXXX agreed the debt was not mine and I received a credit for the total amount disputed. 

Since then, Diversified Adjustment Service , Inc. has purchased the amount that I was awarded from my banking institution, as debt I owe XXXX XXXX. I notified Diversified of the dispute and letter from my bank and sent them a copy. They have not stopped trying to collect the debt. I also notified them I have still not received validation of what XXXX XXXX was charging me for ; Diversified sent me a paper copy of a XXXX XXXX Bill with just a $ amount and no breakdown of what the charged amount was for. I reached out again to remind them of the disputed debt with XXXX XXXX that XXXX XXXX agreed was not mine and that the verification of debt was not completed without a detail of what the debt entails. They are still continuing debt collection, well aware that a federally insured bank and XXXX XXXX have validated this debt as not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation