vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
My XXXX XXXX  was purchased while I'm XXXX  XXXX and Westlake included the car in the XXXX  XXXX was discharged on XX/XX/XXXX was told by Westlake can no. Longer report car payments as debt was discharged .. when I called was told someone changed the status to dismissed now Westlake has added charge to my credit and dropped score XXXX points. Agent said person who did it no. Longer works there.. I need this to correctly reflect discharged I'm bankruptcy and charge of removed as I'm not responsible for the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: NE

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: FL

Complaint narrative:
This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NH

Complaint narrative:
This CCS collection is aware acct has been paid a little over 2 yrs ago but refuse to remove from collection.pd XX/XX/2022. 
Please see email from XXXX agent saying

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Axiom Acquisition Ventures, LLC
State: NC

Complaint narrative:
This company has harassed my entire family. They have contacted my ex-husband who had zero connection to me. They have left my first and last name and the reason for calling on family and friends voicemails. They have contacted my landlord who has zero relation to me. They have left personal information of mine on friends voicemails after being repeatedly asked to receive proof of debt then continued to lie and say they only did it once. I have proof of more than 37 calls dating back to XXXX  to friends and family and this has invaded my right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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:
These requests are not approved by me and are irrelevant to my monetary exercises. I demand their quick expulsion from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: CA

Complaint narrative:
Investigate and make sure everything is correct, if not delete it from my credit report. Violation is misleading FDCPA Section 807. This agency is in violation of 15 USC 1692g. they were to notify my of this in writing 5 days prior and I was not. As the original creditor only I can validate this debt. I do not validate this debt. Inaccurate information is being published on my account XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Investigate and make sure everything is correct, if not delete it from my credit report. Violation is misleading FDCPA Section 807. This agency is in violation of 15 USC 1692g. they were to notify my of this in writing 5 days prior and I was not. As the original creditor only I can validate this debt. I do not validate this debt. Inaccurate information is being published on my account 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 2024-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I have been having issues ever since payments resumed for me in XX/XX/2024. I paid my loans, fortunately printed my loan details but then they reapplied the payments in a backwards method - the total principal was the same but the principal per loan was incorrect. Fortunately before they migrated platforms I printed loan details. 
Total principal XX/XX/2024 {$11000.00} Total now after a payment was sent XX/XX/2024 {$11000.00} How did my principal go up by {$83.00}?? 
I am also missing a payment or refund of $ ( XXXX ). In the past when I made an overpayment the overpayment was applied to the next loan, in this case it was listed as a credit to the loan. I want them to fix my loans and not charge interest as they have once again messed up my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XX/XX/2024 Sending letter by mail and emessage to Chase regarding the balance already paid off to XXXX  by XX/XX/2024 and credit card need to be canceled or closed. 
XX/XX/2024 Still receive bill with interest on XX/XX/2024 at {$9.00}. 
This credit card practice is so ripped off when challenged the customer to close their credit card and keep charging the interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-29 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: OH

Complaint narrative:
XXXX  XXXX Remove this account because they are reporting the payment status as 120 days late when by default collections are past due. There was never a contractual agreement confirming a payment date with XXXX  XXXX. This is a violation of my rights and a hindrance to my credit profile. 

. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information Please delete this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to address the matter concerning XXXX XXXX and XXXX XXXX. Enclosed, you will find XXXX XXXX 's rebuttal to the judgment submitted by XXXX XXXX. 

It has come to my attention that XXXX XXXX 's actions are not reflected in my credit report. Therefore, I request the dismissal of this correspondence and the case associated with it. 

Attached, please find a copy of my credit report and supporting documents for your reference. We firmly believe that XXXX XXXX 's response deserves thorough review and consideration by the relevant authorities. 

We trust that you will carefully examine the details of this case in an impartial manner. Should you require any additional information or clarification, please don't hesitate to contact me. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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:
This is a brand new dispute. 
XXXX XXXX is in direct violation of FCRA Section6802 ( a ) Except as otherwise provided in subchapter a financial institution may not, directly ot through any affiliate disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information is initially disclosed, to direct that such information not be disclosed to such third party : and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative infomation without notificationand consent of the consumer. XXXX XXXX  failed to Inform Principal that it would be reporting Principals non public personal information to a third party and failed to get Principals Permissable Purpose. 15 U.S.C. 1681 ( a ) ( 2 ) Exclusions Except as provided in paragraph ( 3 ) the term consumer does not include ( i ) report containing information solely as to transaction and experiences between the consumer and the person making the report. 
XXXX XXXX # XXXX is reporting the tradeline on my credit ( s ) unlawfully regarding transactions and experiences violating principals and rights under the FCRA and could be held for Fair Debt Collection Practices Act as well because I will attest in a Court of Law that I never had an account with XXXX and I am demanding that all negative non public personal information, transactions and experiences be removed from my credit reports ( s ) immediately under the afore consumer mentioned rights and laws.

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 2024-03-29 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This is a brand new dispute. 
Portfolio Recovery is in direct violation of FCRA Section6802 ( a ) Except as otherwise provided in subchapter a financial institution may not, directly ot through any affiliate disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information is initially disclosed, to direct that such information not be disclosed to such third party : and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative infomation without notificationand consent of the consumer. Portfolio Recovery failed to Inform Principal that it would be reporting Principals non public personal information to a third party and failed to get Principals Permissable Purpose. 15 U.S.C. 1681 ( a ) ( 2 ) Exclusions Except as provided in paragraph ( 3 ) the term consumer does not include ( i ) report containing information solely as to transaction and experiences between the consumer and the person making the report. 
Portfolio Recovery # XXXX is reporting the tradeline on my credit ( s ) unlawfully regarding transactions and experiences violating principals and rights under the FCRA and could be held for Fair Debt Collection Practices Act as well because I will attest in a Court of Law that I never had an account with XXXX and I am demanding that all negative non public personal information, transactions and experiences be removed from my credit reports ( s ) immediately under the afore consumer mentioned rights and laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
This account was a charge off. last payment was XXXX went into charge off in XXXX XXXX since then, the account has been repeatedly updated as charge off ever month. for 49 months. When it should only have been once. this is a update to payment history. a charge off account should not include active payment history. the inaccurate information falsely manipulates the statute of limitations. you failed to investigate this account properly and your neglect has violated. my rights. this was a voluntary surrender of car in XXXX XXXX and you didn't close account till XXXX XXXX when it should of been closed in XX/XX/2018. 

XXXX XXXX account # XXXX last 4 ss # XXXX XXXX address - XXXX XXXX XXXX XXXX NY XXXX Consumer Financial Protection Bureau Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX I logged into my XXXX XXXX  account and started looking through my credit reports from the different sources. Both XXXX and XXXX, just to discover unverified and unauthorized inquiries on my credit report. I called the customer service number for both providers trying to get information on where that bank is located and the subject of which caused the inquiry. The only 2 inquires I recognize is from the XXXX XXXX XXXX ( XX/XX/XXXX ) AND SYNCHRONY BANK ( XX/XX/XXXX ) used for my care credit account. Please take action on this fraudulent matter because every other inquiry on this account was and is a hundred percent unauthorized.

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 2024-03-29 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I logged into my XXXX XXXX account and started looking through my credit reports from the different sources. Both XXXX and XXXX, just to discover unverified and unauthorized inquiries on my credit report. I called the customer service number for both providers trying to get information on where that bank is located and the subject of which caused the inquiry. The only 2 inquires I recognize is from the XXXX XXXX XXXX ( XX/XX/XXXX ) AND XXXX XXXX ( XX/XX/XXXX ) used for my XXXX XXXX account. Please take action on this fraudulent matter because every other inquiry on this account was and is a hundred percent unauthorized.

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 2024-03-29 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: VA

Complaint narrative:
My name was legally changed by court order in XXXX of XXXX. I submitted this name change to the 3 credit bureaus in XXXX of XXXX after encountering some issues with lenders regarding name mismatch. Experian removed the entirety of my credit history at this time. I filed dispute after dispute, all to no avail. 
I submitted a complaint regarding this and it was actually resolved and fixed, my entire credit history was restored. However, my credit history was, again, completely removed approximately one week later. 
As of now, only new credit lines are reporting in, the lines that I opened to try and test if the fix had actually fixed. My credit report with Experian is missing more than 20 tradelines at this time and making it impossible to obtain credit necessary to repair my house and continue my education.

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 2024-03-29 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America is urgently withholding {$30000.00} of our money without any reason or explanation. We made a {$7100.00} payment which we have a confirmation receipt of as well as a wire payment for {$10000.00} which landed in the recipient 's account but was pulled back after it cleared the recipients account for over a month, then we made another wire payment for {$11000.00} which was cancelled and never returned. All these payments are currently processing and have been showing as processing returns for 1-2 months but Bank of America has been unable to release these payments to us for an extensively long duration costing us to miss payroll as well as other fees due to a large amount of money being withheld for no explainable reason. In addition to this various check payments to our vendors have bounced for Insufficient Funds even though weve maintained available funds to have enough of a balance to over these payments due to us deferring payroll. Theyve ensured that we would be refunded for the NSF fees due to their negligence however we havent received any refunds for those fees. Lastly, there is an unauthorized credit card account that was opened which Bank of America cant explain or resolve.

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 2024-03-29 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: OK

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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:
I have been contacting them etc I need this closed account removed from my credit report 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 2024-03-29 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: PA

Complaint narrative:
I have been contacting them etc I need this closed account removed from my credit report XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: PA

Complaint narrative:
I have been contacting them etc I need this closed account removed from my credit report 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