vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC
State: DE

Complaint narrative:
My unit was repossessed back in XXXX, i was advised the settlement amount that I paid would resolved the balance and I just had to pay for title. Ive recently had medical Ive been talked to badly as well as my XXXX party. I received a call on XX/XX/XXXX by a XXXXXXXX XXXX who was extremely nasty to myself as well as my XXXX  party. My XXXX party was adviced unit will be placed back out for repo because XXXX was not paid. Per representative the title was apart of the settlement and because it was not paid the settlement is not cancelled. I was not advised any of this information I believe calls should be pulled because I was misinformed and mislead. I was not aware unit will be placed back out for repo for not paying a title. I called in today spoke to XXXX who told me Im a woman and sound like my XXXX he then hung up. This company has new n very stressful and has be given me deceptive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Amazon / Synchrony Bank has failed to issue a refund

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 2023-07-07 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: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.

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 2023-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-07-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-07-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crabtree Law, PA
State: FL

Complaint narrative:
Crabtree Law Group, PA has told me that they will place a lien and possible foreclosure on my home due to an unpaid HOA payment. I contacted XXXX XXXX on XX/XX/26 and asked for the total amount due, including the late fee and if I could make a payment but she gave the website to XXXX XXXX  to make the payment because they do not accept payment on the phone. I immediately went online made the payment, which was the same amount I was given by XXXX XXXX. Then a few weeks later I received a certified letter from Crabtree Law Group demanding payment with over {$300.00} in admin and attorney fees. I immediately contacted XXXX XXXX and they said they never received my payment and I will have to work with Crabtree. Then I contacted Crabtree and they told me that XXXX did receive my payment and forward the payment to them. Then XXXX said I never called them in XXXX but I have my phone history from XXXX tha i did call them. I also have the voice message from XXXX stating they didn't receive my payment. I worked hard from my home and to be threaten with foreclosure because my HOA management took my payment and lied and said they didn't receive payment and that i didn't call them in XXXX and got the website and the total amount due.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: HireRight Solutions, Inc.
State: CA

Complaint narrative:
Hireright.com cant finish my pre-employment report because they dont know how. They say theyre going to share my information with a third party locally to help them figure out how to do the criminal background check in the county where I live, but I dont want it shared. They shouldnt be getting paid for reports they dont know how to do. They also shared my info immediately because as soon as the process started, I started getting twenty robocalls a day from many numbers. This scam company should not be allowed to operate in this country! They already are causing me three weeks with no work when I shouldve started already, because they sold my prospective employer a report they didnt know how to do. They havent even tried.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I am writing to report Mercedes Benz Financial collection practices. I have received 9 calls between XXXX, and often within XXXX minutes of the previous call, for a payment that is XXXX  days past due. These calls start daily at XXXX and each one leaves a lengthy message. The constant calls coming in are during my workday and have become disruptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/2021 - This inquiry was not authorized please remove this from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account 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 explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have been receiving a collections letter for a credit card that was opened under my name in XXXX. It was used to make several purchases such as XXXX 's, XX/XX/XXXX and to purchase coins. I never opened this account and have never been associated with the address of XXXX XXXX XXXX, XXXX, XXXX  XXXX. I would like to report this as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: KY

Complaint narrative:
TransUnion it is your duty to ensure that all information reported is consistent and most importantly accurate and complete and you have failed to do so. I have made several disputes on XXXX XXXX XXXX  XXXX Acct # XXXX, please delete erroneous immediately. A proper reinvestigation was not completed or you would see all the inaccurate and incomplete information on my consumer report. Here are a list of inaccurate and missing information I found. 
XXXX. XXXX XXXX but missing data see bank statement. Fix it or delete entire account. 
XXXX. XX/XX/XXXX paid amount but 30 days late. Fix it or delete entire account. 
XXXX. XX/XX/XXXX has ok but XXXX in amount paid. How do I pay XXXX? Fix it or delete entire account. 
XXXX. XX/XX/XXXX has ok but XXXX in the amount paid. How do pay zero? Fix it or delete entire account. 
XXXX. XXXX thru XX/XX/XXXX missing data but ok. Fix it or delete entire account. 
XXXX. XX/XX/XXXX has ok but missing actual amount paid section. 
XXXX. Missing information XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. Fix it or delete entire account. 
XXXX. Incomplete and missing data from XX/XX/XXXX XXXX XX/XX/XXXX. Fix it or delete entire account.

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 2023-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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: FL

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 DEPTOF ED/XXXX  : # XXXX, Account XXXX  XXXX XXXX XXXX XXXX XXXX, Account XXXX  : # XXXX, Account XXXX XXXX : # XXXX, has violated my rights.

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 2023-07-07 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: Siwell Inc
State: TX

Complaint narrative:
I paid off my mortgage loan for an investment property when I sold the asset. XXXX has recorded the payoff but XXXX and XXXX have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: PA

Complaint narrative:
Hello, I have a business credit card account on my personal credit report with balance of {$19000.00} and I have no knowledge of this account. I discovered it on XXXX XXXX have a fraud alert on my credit report so I don't understand how they approved this credit card. When I tried contacting them they stated that it's under a company name so I don't understand how it's appear on my personal credit report. It never showed up on my XXXX or XXXX only shows on my Experian credit report. I tried to dispute it twice and the result came back as accurate. How it's accurate and I have a fraud alert on my credit that no one can open any account under my name without asking me security questions. Please help me remove this negative account from my Experian credit report. 
Report # XXXX regarding Account name XXXX XXXX XXXX Account Number is XXXX thank you I really appreciate it all your help!

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I am currently working with a debt consolidation company. I just started working with them on XXXX XXXX. I contacted Western Shamrock Finance Service to let them know that I was working with Beyond Finance. I have also given them a number to contact them. And I told them the debt will be handled but it takes time and to continue to call the number. However they continue to call me and my references daily, although I have told them that they need to contact the number that I gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, how you doing after opening a XXXX XXXX and was allowed to log in for about a week. It was restricted me going on the second week. therefore, I was unable to login my new XXXX XXXX  account so I took for the actions and call early warning has being told and they told me on my report I had a Bank of America account disclosure due to fraud that I am unaware of.

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Between the week of my XXXX and XX/XX/XXXX I noticed my bank of America account was compromised. I lost my phone in a XXXX this same week and it took me a few days to get into my XXXX account Android banking etc. When I finally got into my accounts I seen that {$6800.00} was took from my account. I've been goin through the claim process for months and they keep dening me. I believe there is some XXXX motivation, I've endured some pain and suffering, bills are due and the holidays left me miserable.

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 2023-07-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance to the fair credit reporting act. Then account listed below, have violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # not listed XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX Has violated my rights.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without a written instruction.

15 USC 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 items of information other than records of conviction of crimes which antedated the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) a person may not furnish any information related 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 explanation