vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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: FL

Complaint narrative:
To whom it may concern I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and did not open these accounts. Also, demand these inquiries be removed from my credit profile I didn't initiate any of them. I ask that these items be deleted to correct my credit report. Fraududlent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Pay the card in full on XXXX XXXX. Try to use the car on XXXX XXXX and was declined. No balance and no amount due. They are holding a processed payment for 3 weeks. Not allowing us to use the card for the business Until they take it off hold three weeks later. This is a major interruption to the business.

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 2024-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: ID

Complaint narrative:
Past time line to collect debt so can not. Needs to be deleted from credit report if hurting account. Inaccurate information is subject to deletion. Please send me a new credit report once this error has been fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: CA

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 Account NumberXXXX Account Name : XXXX  Account Number: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 2024-01-17 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: CA

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 Account Number:XXXX Account Name : XXXX  Account Number: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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The other day I was looking at my credit report and was shocked to find a number of errors being incorrectly and verifiably reported on my credit. This lack of diligence by the bureaus is incredibly wrong and frustrating and is causing a lot of stress in my day to day life due to the bureaus reporting misinformation without verifying it and without getting my authorization to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: MS

Complaint narrative:
I have filed an FTC report due to identity theft and fraudulent information. I noticed on my credit report that there are XXXX hard inquiries from XXXX XXXX on XX/XX/year>, name, address, and employer that I do not recognize. The accounts are completely fraudulent and have never belonged to me. The accounts are XXXX XXXX XXXX XXXX that is listed twice, XXXX XXXX XXXX ( The ONLY name I have is XXXX XXXX ), XXXX XXXX XXXX XXXX Ms XXXX ( The ONLY address I have is XXXX XXXX XXXX XXXX, Ms. XXXX ), I DO NOT HAVE ANY EMPLOYER. I contacted XXXX XXXX XXXX XXXX to get an understanding of where the inquiries came from, and the company stated that they did not find anything in their database.

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 2024-01-17 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: Source Receivables Management LLC
State: NV

Complaint narrative:
This letter shall serve as notice of my intent to file a lawsuit against your company Source Receivables Management LLC. 

You are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681, for unlawfully obtaining my XXXX  consumer report on XX/XX/XXXX without my consent or a permissible purpose under the FCRA. 

I am aware that your company is a debt collector listed under 15 U.S.C 1692a ( 6 ) of the Fair Debt Collection Practices Act ( FDCPA ) who regularly collects or attempts to collect debts. Upon reviewing my consumer report, it became evident that the inquiry was made without any legitimate reason. I have not had any transactions with Source Receivables Management LLC, I do not have an account for review or collection nor have I received any collection notices. Your company invaded my right to privacy by accessing my consumer report without my authorization or a valid permissible purpose, thus violating 15 U.S.C 1681b. 

As a result of your employees/agents unlawfully obtaining my consumer report under false pretenses and knowingly without a legitimate permissible purpose you are liable to me for actual and statutory damages up to {$1000.00} pursuant to 15 U.S.C 1681n ( 1 ) ( B ). 

I am willing to settle this matter with full and final settlement of this issue if you adhere to the following demands : ( 1 ) cease and desist from any further unauthorized access to my credit report ( 2 ) cease and desist collection activities and close the collection file ( 3 ) compensate me {$1000.00} payment by check. The check can be delivered by mail to the address listed above within 15 days of receiving this notice. You can also contact me via email if you have any questions regarding settlement. 

Please be advised that if Source Receivables Management LLC fails to comply with my demands within 15 days of receipt of this notice, I will immediately pursue legal action in federal court. I trust that your company Source Receivables Management LLC will take this matter seriously and work to resolve this issue promptly. 

Sincerely, XXXX XXXX Last 4 of social : XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: NJ

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 2024-01-17 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: NJ

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2024, after a request was made to a creditor XXXX XXXX to manually update my credit report, EQUIFAX updated an account to show a {$0.00} balance, per the creditor request. This was an accurate accounting of the creditor account. On XX/XX/2024 EQUIFAX then reported the account was back at the balance previously reported on XX/XX/2024 when the 30-day cycle runs for credit reporting. I spoke with the creditor and they never made this request, and reconfirmed that the last request they sent to EQUIFAX was for the XX/XX/2024 update to a {$0.00} balance. I am trying to purchase a house and any inaccuracies present an issue to any approval from my lender as well as my credit score. 

It appears a dispute was also investigated related to this account where Equifax reports that the creditor stated the account balance was at XXXX as of XX/XX/2024. But that would be impossible as EQUIFAX updated the balance correctly on XX/XX/XXXX to {$0.00}, after a manual request was sent to them by XXXX, but then EQUIFAX changed that balance to what was reported previously, which was incorrect and inaccurate. This is an ongoing concern where EQUIFAX does not investigate disputes and rather uses the last date of reporting to certify they have investigated the matter. I have evidence and documentation proving this even recently where they said they conducted an investigation into unauthorized inquiries that continue to be on my credit report, but sent me correspondence that stated they could not find the inquiries on my report ; yet they were clearly there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I begun making payment twice a month, and sometimes every 10-15 days within a month to lower my interest rate. This loan is based on accrued rate, so the interest should be about {$9.00} per day between each payment. I made a " Principal Only '' payment in XX/XX/2023 along with three other payment. Westlake took interest out on each payment as varies amount. My objective is to lowest my interest rate by paying every two weeks and making Principal Only payment, however West Lake is using shady math to acquire interest amount acquired for monthly payments. I am unable to make over the phone call in payments, I was told by a representative a payment was returned in XXXX and that is why I'm unable to make over the phone payment. I have never returned a payment. Also, after my down payment, my balance was {$19000.00} West added MotorTran and Service protection plan in the amount of {$1900.00} but on the documents it was doubled in cost. I request a copy of the loan agreement at the car dealer ship but the information was unreadable. My credit score was over XXXX when I purchase this car. I should not have received the interest I received, but because of the inaccurate information lingering on my report for XXXX  XXXX this is what I'm faced with. I should not be held to these tactics when making on-time payment and in good standing with an auto loan. West Lake Financial has failed to provide accurate information to all three credit reporting agency of correct balance and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am a 100 % service connected Veteran, and in the state of FL this makes my property tax exempt. I have confirmation of NewRez receiving my tax exemption on XX/XX/XXXX and again on XX/XX/XXXX. They still continue to collect hundreds of dollars every month that I do not owe. On XX/XX/XXXX XXXX XXXX with NewRez told me that if I get her my XXXX tax notice with the non-ad Valorem taxes she would work with the tax department to correct it. I instead got a bill showing my mortgage going up. I called again yesterday and today. No one is willing to correct it. XXXX XXXX who identified as a supervisor in the tax department started threatening me as soon as he got on the line. They are mismanaging my VA loan and illegally charging me more than what I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I was recently scammed while trying to sell items online. The buyer sent me several bad checks that were way too much than what I asked for and would ask me to send the extra money back, I didn't realize this was a scam. After talking to family and realizing it was a scam, I called USAA and reported it. They closed all my accounts and had an investigator look into it, the investigators called me back a day later and told me I was at fault and I would have to pay back the bank and they would be closing my accounts in 60 days. 

I opened a new account at a bank and USAA is not letting me transfer the money I have left from my savings account to my new account with a different bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
There are loans ( Dept. of education Nelnet ) on my credit report due to XXXX XXXX and XXXX XXXX XXXX giving me false information stating that I can attend actual college classes when I didn't have a GED or a diploma. I have no idea how the paperwork was approved through their system having I had not completed XXXX grade. 



Other information about the other reporting I have attached the report in the pdf form from CFPB.gov site.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX I am writing to delete the following information in my file. These items I need deleted are listed in the report attached, I am a victim of identity theft and did not make these charges. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trades Commission 's, and I have also enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. please delete these items as soon as possible.

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 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
on or around XXXX of XXXX  I tried to use my credit card and it was decline, So I called Ollo Bank immediately to find out why. the Ollo Bank service representative said there were numerous online game charges to my card I explained that is wasn't me. I said my XXXX XXXX XXXX son might have done this. and she said that I was still responsible for unauthorized charges on my card that my son made. So i closed the card. I recently found out that a credit card company can't force you to pay for unauthorized charges. Ollo Bank has continued to report the wrong amount of my debt to the national credit bureaus. This company has all the proof that there company representative made a mistake by giving me wrong information. police reports, I.D . Theft Reports, and there actual recorded phone conversation that I had with the service rep.

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 2024-01-17 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  Account Number : 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 2024-01-17 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: IL

Complaint narrative:
( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: PA

Complaint narrative:
According to 15 USC 6802-6805, 16 CFR 433.2, 16CFR 433.3 and 16 CFR 313.7 I haven't received an oped out request and I have the right to oped out and request to be oped out. Under the terms and conditions and privacy notice of dept of ed/XXXX  as well as XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX it states that these companies dont provide my information to non affiliates like XXXX, Transunion XXXX XXXX XXXXXXXX and XXXX which are all third party companies. Proof of claim is my XXXX XXXX XXXX report. The Educational and Privacy Act of 1974 also states that my school wasn't suppose to provide transaction history to any third party companies. Dept of educationXXXX violated my rights which financially and emotionally damaged me. Also on 15 USC 1681, the certificate of indebtness is income and must be removed. Under the fair credit report act page 10, it shows that these companies violated my privacy. Also 5 USC 522A, They are NOT to give my social security number out. Lastly promotional inquiries are also a violation. By law, I am suppose to be compensated {$1000.00} per violation. 17 CFR 424 shows proof that these companies committed language fraud and solicitation because under these companies XXXX and XXXX reports, it clearly states that they will NOT conduct solicitation.

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