vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to address fraudulent personal information and inquiries associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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  Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX has violated my rights. Or 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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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 Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX has violated my rights. Or 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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XX/XX/1963 XXXXXXXX XXXX XXXX XXXXE : Request for Investigation and Correction of Discrepancies on My Consumer Credit Reports Dear Sir/Madam , Upon meticulous examination of my consumer reports, I discovered reported late payments and charge-offs on certain accounts which, to the best of my knowledge and recollection, have always been paid punctually. This information is, therefore, inaccurate, and I am writing to request urgent rectification.

Under the Fair Credit Reporting Act, Consumer Reporting Agencies are entrusted with the significant responsibility of maintaining the utmost accuracy in reporting consumer information. To that effect, any discrepancy in my credit report is not only misleading but also breaches the mandates of the FCRA. The negative items that are listed have been updated due to the CFPB Breach. Please remove it immediately.

This is in violation of code 15 USC 1681 i.

Should you not be able to furnish substantial proof of these late payments, I hereby request compliance with the FCRA and Truth in Lending Act ( TILA ) guidelines, that these late payments be amended to reflect their true status ( On Time ). This is imperative as I have never, to my knowledge, been late on these accounts. 
Please remove this account and update this account immediately as you are in violation of several laws under The Fair Credit Reporting Act. 

Thank you, 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 2023-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HoldCo LLC
State: CA

Complaint narrative:
" Bitcoin Depot '' ( BD ) has no direct relationship or affiliation with " Bitcoin '' - the decentralized virtual currency itself. " Bitcoin Depot '' ( BD ) is a third party company which has numerous ATM locations throughout the country. They simply use the name " Bitcoin '' within their own company name. 

BD pays rent to various shop owners in order to place their machines within that given facility. BT takes the customers cash and separately buys bitcoin and sells it to the customer ( highly overprice & without any disclosures ). The location of these BD ATM 's can be seen via there Bitcoin Depot App free for anyone to download. 

I recently used one of the physical ATM locations to convert cash into bitcoin. While using their machine, the machine notifies you that there is a {$3.00} flat fee ( see attached receipt # 1 ) for the use of their machines.

However, upon completion of the transaction, you realize that they took 28 % of your cash as a markup for the use of their services ( check " withdrawal '' on attached receipt # 1. This was calculated by converting XXXX XXXX to current actual XXXX market price on XX/XX/2023 XXXXXXXX XXXX = XXXX ). ( Check image # 1 for actual bitcoin market price on XX/XX/2023 XXXX AM ) Nowhere on any screen or terms of use is the " 28 % '' fee disclosed. 

In the upper right hand part of the screen, a spot price is displayed, which, at the time of purchase was significantly higher [ XXXX USD ] than what the actual market price was [ XXXX ] ( see attached image # 2 from National Market Price online ) ( see attached R

eceipt # 2 " Price '' from BD ). I called the company in regards to the transaction, and th
ey stated that while the 28 % fee is not disclosed, it is calculated in their spot price on the top right of the machine where it says " 1 XXXX XXXX USD ''. 

Again, no where is it disclosed that the market price listed on their machine is not the actual XXXX  market price.

Now that the funds have settled in my account, I am missing 28 % of my deposit funds. 

This is not an isolated incident as multiple reports of BD can be found online ( with simple google search ) defrauding hundreds of customers per day - and taking almost half of their funds without any disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I sent my letter off on XX/XX/2023. I told the Credit Bureaus to investigate every piece of information on the accounts I have listed below. I also have the tracking number for the letters because i sent them certified mail so that i can be sure that they have received them. According to the FCRA the Terms " Investigate Consumer Report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated that my account was verified, but how is that possible when they did not do a proper investigation according to the law? Also every piece of information on these accounts are still not 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian 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 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
On the following dates GENESIS FS CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX OR XXXX, removed electronically the following amounts from my checking account, XXXX XXXX, XXXX, CA XXXX ; XX/XX/2023 {$700.00}, XX/XX/2023 {$100.00}, XX/XX/2023 {$520.00}. 
We are awaiting the 'final ' amounts from our bank during the nxt few days. On XX/XX/2023 we found the draud upon review of our mailed bank statement. We immediately contacted our bank, had to actually go down to the branch and sign paperwork, and now our account is being closed. We attempted to contact GENESIS but could not get through their " service '' because we did not have an account with GENESIS. 
We have sent registered letters. GENESIS is refusing to contact or make amends or payments to us for the lose, new checks, XXXX time to change and r-set up the accounting books dealing with the bank account closure, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
CAINE WEINER ( Original Creditor : PROGRESSIVE ) BALANCE : {$460.00} STATUS : OPEN ACTIONS TAKE : I have attempted multiple times to communicate with the debt collector and the original company. All attempts have been received with aggression and harassment. They have made it very clear they are not willing to work with me in clearing up this situation. It is effecting my personal and professional life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Advance America, Cash Advance Centers, Inc.
State: OK

Complaint narrative:
I am on a biweekly contract for {$85.00}. They have started taking $ XXXX for {$1800.00} and did not go off of the payment contract ending XX/XX/23. This is very illegal and they refuse to help me. They are blaming me saying its in default when they never contacted me. There was no schedule change and my original payment schedule still stands on their website!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
In XX/XX/XXXX I attempted to make a payment to Newrez my mortgage servicer. The payment was allegedly return for a consolidated funds. Then in XXXX new, Rez reported my mortgage 30 days delinquent. Upon discovering this on my credit report in XX/XX/XXXX I disputed it with Newrez. I sent them proof I had sufficient funds and that my bank has no record of any ACH transactions from Newrez in the month of XX/XX/XXXX. They responded in XXXX. The response said there was insufficient evidence to prove that my payment wasnt a banking error. So I resubmitted the exact same dispute in XXXX with the same information that being bank statement showing I had sufficient funds and proof that I attempted to pay the payment on time. Than 30 days later, they responded, asking for more time due to the difficulty of this investigation. I have yet to receive any information if theyre gon na remove this from my credit report and it has been over 90 days since the initial dispute. As well can not speak to anybody in the credit reporting department only can speak to customer service representatives and they cant speak to anybody that department as well. The light payment is causing financial for tripping my life due to not be able to move for a new job so now I am forced to commute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Credit report is showing that 2 XXXX XXXX charge offs i have paid off was Illegally reporting monthly on my credit report, as this is a violation of the FCRA. Charge offs were not supposed to be reporting monthly. Please delete charge off accounts from credit reports as this is illegal or i will seek an attorney for damages.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing you in order to request the deletion of the incorrect information on my credit report. The account under concern is : XXXX XXXX - XXXX. Your company is reporting that I missed a payment on XX/XX/2022, while I was never late. I tried to contact your company through calls and letters, but this incorrect information is still appearing on my credit. So I had to submit a complaint. Please delete this late payment mark from my credit history.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Last year ( XXXX ) in the early part of the year I attempted to get a free credit report as well as apply for an account with a lender. At the current time I was informed that my credit report was blank. As per the Equifax customer support agent I faxed to Equifax a copy of my birth-certificate along with a copy of my current ID as well as my Social Security card . At that time the account I attempted to open was declined due to the inability to obtain a credit score and report. After continuously fighting with Equifax within the last year and not being able to access my report or any financial serves due to no report or score available I was told once more one month ago on XX/XX/XXXX by another Equifax employee to mail in another copy of my Social Security Card and current ID. Once more I compiled with a certified letter to Equifax on XX/XX/XXXX. A few days latter the letter was received and signed for by Equifax and I had been advised to wait for 10 business days. It has now been well beyond this time and I still can not access my score, report or obtain any financing by a creditor. This is unacceptable and I feel as though I am being held hostage by Equifax, the representatives are rude and very hard to understand and I should not be subject to this treatment or behavior!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are classified as consumer reporting agency, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. GM FINANCIAL per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. GM FINANCIAL is in violation of 15 U.S Code 1681a ( 2 ) ( A ) ( i ). GM FINANCIAL is under the regulation of many laws and as previously mentioned one of those is the FCRA, which states the term consumer report DOES NOT INCLUDE any report containing information solely as to transactions or experiences between the consumer and the person making the report. Pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), 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. This is a violation as they are reporting these items without my permission. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Westlake Services, LLC
State: MI

Complaint narrative:
On XX/XX/2020 I agreed to purchase a XXXX XXXX XXXX XXXX through XXXX XXXX. I was able to finance the vehicle for a purchase price of {$9700.00} through a company known as XXXX XXXX. I made my payments monthly to XXXX XXXX at a rate of XXXX XXXX. In total, I have paid {$110000.00} on the vehicle. At some point XXXX XXXX went bankrupt and sent the remainder of the interest payments to Westlake Portfolio Management with no notice. I did not sign any agreement with Westlake Portfolio Management, nor did I know it was a debt collector. I continued making payments on the vehicle up until last month. The vehicle is unable to function due to a part that has been discontinued by XXXX ( part number XXXX ). Without the part, the vehicle has been deemed unsafe to drive. I would like to settle out this account with the amount that has been paid on it, as I have already paid {$2000.00} in interest for a non-functioning vehicle. The company refuses to settle, so I would like to dispute the charge as I do not have a legally binding agreement with Westlake Portfolio Management. Please advise on how I should proceed. 

Thank you, 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