vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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: Westlake Services, LLC
State: IL

Complaint narrative:
these accounts were not mines XXXX XXXX XXXX opened XXXX XXXX, Western Funding Opened XXXX XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo said that the homeowners ' insurance company had the funds. The homeowners ' insurance company did not answer the phone. I am now sending certified letters to all parties.

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 2024-02-07 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: TX

Complaint narrative:
Experian was notified that the write off balance of {$550.00} for the account XXXX is inaccurate and failed to correct or verify this account. They are also reporting XXXX late payments, while XXXX does not report any late payments. I contacted the creditor XXXX XXXX, and they could not verify the information reporting. I must also mention that my payments were deferred due to covid, so I am not sure why this inaccurate information is on my consumer credit report. I sent a letter XX/XX/23, and this inconsistent information persist. Being that I have tried to remedy this problem and it has been 8 months, I will be seeking legal action if this account is not removed. I am requesting that Experian stop reporting for obvious FCRA non-compliance of inaccurate data furnished on the consumer report. Per 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation for not reporting 100 % accurately and should be removed from my credit report immediately. I have attached my credit report to show the discrepancies as well as my dispute letter, which is dated, and time stamped.

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 2024-02-07 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: LA

Complaint narrative:
THIS COMPANY IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORT ACT 15 USC 1681 SECTION 602 I HAVE THE RIGHT TO PRIVACY .XXXX XXXX SOLD MY INFORMATION TO A THIRD PARTY WITHOUT MY PERMISSION..

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 2024-02-07 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: LA

Complaint narrative:
THIS COMPANY IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORT ACT 15 USC 1681 SECTION 602 I HAVE THE RIGHT TO PRIVACY .XXXX  XXXX  SOLD MY INFORMATION TO A THIRD PARTY WITHOUT MY PERMISSION..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Subject : Urgent Assistance Required Regarding Frozen Account Good afternoon, I hope this message finds you well. I am writing to address a concerning situation involving my account, which has been frozen. The predicament arose when I attempted to transfer funds from my account to pay my new landlord. Regrettably, the transaction was declined by XXXX XXXX, subsequently leading to the freezing of my Venmo account due to suspected suspicious activity. 

The gravity of this situation can not be overstated, as I am now faced with the imminent risk of homelessness, along with my two dependent children. The requested amount of {$1800.00} is pivotal for securing our housing situation, and I am urgently seeking your assistance to expedite the release of these funds by Friday. 

Despite my attempts to seek resolution through customer service, the supervisor appeared unhelpful, intensifying my sense of desperation. I implore you to consider the urgency of this matter and provide the necessary support to unfreeze my account promptly. Your assistance in this critical situation would be immensely appreciated. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX Acct # XXXX 1

5 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, 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This Account payment dates are different and not acurrate please remove

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 2024-02-07 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: IL

Complaint narrative:
I called the credit reporting agencies and let them know the inquires in the document included below are not supposed to be visible on my consumer report. I never give them written consent to report them.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
On or about XX/XX/XXXXXXXX  I had given up willing my XXXX XXXX XXXX the Auto Loan was with XXXX XXXX XXXX. A repo company took said XXXX XXXX XXXX and I thought that was the end of it. In the early months of XXXX  I was advised by a process server I was served with a civil suit from XXXX XXXX XXXX represented by XXXX XXXX XXXX. I was told I owed over {$20000.00} and the case was referred to my local Justice of the Peace Judge XXXX XXXX. I cant remember how much the initial price of the car was but I paid nearly 2 years of it. The sad fact is I couldn't afford the car anymore and I had to decide weather to pay the vehicle or not pay rent for the apartment I was living with my daughter and wife. I choose to pay rent for my family 's safety and well being. I went to about 3 or 4 courts with no avail and continuations. It was the last court on XX/XX/XXXXXXXX  that I went before Judge XXXX XXXX and I was told its your lucky day they wont be coming after you anymore as he handed me some paper work. I noticed there was no representative for XXXX XXXX XXXX in the court like the other few times. The papers handed to me were 3 in total but the last paper read as follows : It is therefore ordered that Plaintiff 's be lawsuit be non-suited without prejudice as to re-filing, that the above-styled and numbered cause is hereby dismissed, in regards to XXXX XXXX XXXX without prejudiced, and that all costs of Court be taxed against the party incurring the same. I do have documents to submit if needed. 


Now I am being contacted via mail by debt collect by the name of Radius Global Solutions in the amount of {$24000.00} for said auto loan. I thought this was done with they are reopening this suit. And I am exhausted and I am trying to buy my family a home and are tired of living in a cabin that I had to buy without the means of credit. Please help me.

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 2024-02-07 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: FL

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Employer - XXXXXXXX XXXX  Employer - XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX  XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: IL

Complaint narrative:
On XX/XX/XXXX First Progress reported a 30-day late payment to the credit reporting agencies but made no attempt to contact me to inform me of the debt or the late status. The Fair Credit Reporting Act requires companies to make an earnest attempt at notification prior to making a negative credit report. I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX ( attached ) and as a result First Progress agreed to remove the negative mark ( 30-day late payment ) from my credit. Please see the attached letter from First Progress to the XXXX  dated XX/XX/XXXX which I will quote here : " We have determined XXXX XXXX qualifies for an adjustment to his credit report. We have submitted a manual update to all three credit bureaus asking them to update their records and remove the late marks on his account. '' On XX/XX/XXXX, I pulled 30-day late my credit from all three bureaus and found the 30-day late mark is still present from First Progress. I filed a dispute with each credit agency. Each agency claims to have verified the late mark with First Progress and claims that it is still valid. See the attached dispute reports from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: CT

Complaint narrative:
It has come to my attention that my privacy has been severely violated by the credit reporting agencies. As stated in the Fair Credit Reporting Act ( Title VI Consumer Credit Protection ) information in a consumer report can not be provided to anyone who doesn't have a purpose specified in the Act. The and Accurate Credit Transaction Act added many provisions to this Act primarily relating to record accuracy and identity theft. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you ; written, unwritten, verbal and non verbal per US Code 6802.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My issue started back in XX/XX/2023 when my income was declining and I missed my mortgage payment, after contacting Shellpoint Mortgage for a repayment plan I was advised to send documents for several months, first I was advised by them that I did not qualify and I had to apply for a modification. I have been sending them documents for 5 months and every week they come up with a new list, the Rep. from Shellpoint does not do a complete review of my application and keeps adding new items to set me up for a failure, I have been advised that they have a complete file and now I just received a new list asking for documents that I have provided from day. I feel discriminated by Shellpoint Mortgage on process of my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my 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 non-monetary relief
Consumer complaint received 2024-02-07 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: NC

Complaint narrative:
My personal information was breached through a XXXX XXXX in 2020. I alerted the credit reporting agencies and my current creditors. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or have any knowledge. I've contacted the CRA 's twice requesting verification with no formal response. 

I have a right to privacy, reporting accounts to my profile without my written consent is in violation of 15 USC 1681.

After investigating these accounts are being reported due to identity theft. Furnishing accounts to my credit profile in direct relation to identity theft is in violation of 15 USC 1681 c-2. 

I also noticed a slew of addresses being reported that I have never resided nor have any relationship with. These addresses being reported are affecting my true identity and my ability to obtain credit.

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 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
Customer had XXXX fraudulent transactions in checking account in early XXXX, 2023. 

XX/XX/XXXX - XXXX dollars XXXX XXXX  XX/XX/XXXX - XXXX dollars XXXX XXXX XX/XX/XXXX - XXXX dollars XXXX XXXX XX/XX/XXXX - XXXX dollars XXXX XXXX I noticed the fraudulent charges, froze my account. Got a new bank card. Originally was credited the money back to my account on XX/XX/XXXX. 

Money was taken back out of my account on XX/XX/2023. Key Bank said that I authorized these transactions, which I could not have as I have no account or have ever used XXXX XXXX. I was told that I had to contact XXXX XXXX to settle the dispute ( told by Key Bank ), but no information was sent electronically or through paper mail. 

Reached out to XXXX XXXX, filled out necessary paperwork, but was told I had to go back through Key Bank. I had called weekly until my dispute was sent to executive offices at end of XXXX. I have still not been provided any update as of XX/XX/XXXX, when I called them for the 4th time. Explaining that I have filed a compliant against Key Bank with CFPB for lack of information and refusing to return money to client.

Company response to consumer: Closed with monetary relief