vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I visited XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX to purchase a vehicle. I was approved for a loan by Western Funding Inc. and purchased a XXXX XXXX XXXX, driving off the lot the same day. 

Western Funding Inc. never sent the check for the vehicle to XXXX XXXX, thereby not fulfilling the loan agreement. This voided the contract I had with them. 

The finance manager at XXXX XXXX, XXXX, failed to inform me that Western Funding Inc. did not fulfill the loan. Instead, he applied for a new loan with XXXX XXXX without my knowledge or consent. 

XXXX XXXX approved the loan and sent the check for the vehicle. When I returned to the dealership, XXXX had me sign new forms under the pretense of correcting previous errors, without disclosing that these were for a new loan agreement with XXXX XXXX. 

I continued to make payments to Western Funding Inc. under the mistaken belief they were the lender. After three months, I discovered the discrepancy when my credit score began to fall due to missed payments with XXXX XXXX. 

Despite closing my account with Western Funding Inc. after discovering their non-fulfillment of the loan, I have not received a refund for the payments made. Western Funding Inc. has been unresponsive and has provided conflicting information regarding the status of my refund. 

XXXX XXXX has threatened to repossess my car due to missed payments. I have made arrangements to get my payments back in good standing with them, but the lack of a refund from Western Funding Inc. has hindered my ability to settle this matter fully. 

Financial Damages : Payments made to Western Funding Inc. for a loan they did not fulfill, and missed payments to Credit Acceptance leading to threats of repossession. 

Credit Score Impact : My credit score has been adversely affected due to missed payments with XXXX XXXX. 

Emotional Distress : The stress and XXXX  caused by the financial uncertainty and threats of repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The accounts were fraudulently opened using my identity, social security number. 

I was not aware of this account until I received a summons from XXXX XXXX courts. 

A family member used my identity to open up a credit card without my consent or knowledge. 

To prove my innocents, the bank account used to make payments do not belong to me. 

The address used to received the billing statement and other information pertaining the fraudulent account does not belong me to, nor have I ever lived at that address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-07-29 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-07-29 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: TN

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I found frivolous items on my credit report that do not belong to 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 2024-07-29 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information that your bureau currently holds in my credit report. This information is incorrect and constitutes a violation of my rights under Title 15 of the U.S. Code 1692.

Specifically, Title 15 of the U.S. Code 1692, which deals with the Fair Debt Collection Practices Act, prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. It has come to my attention that your bureau has reported accounts that are inaccurate and misleading, thereby violating my rights under this law.

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 2024-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-29 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: IL

Complaint narrative:
My account with the XXXX XXXXXXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024, XX/XX/2024, XX/XX/2024, AND XX/XX/2024 to be removed They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with the XXXX XXXXXXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024, XX/XX/2024, XX/XX/2024, AND XX/XX/2024 to be removed They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2024-07-29 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: NC

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

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 2024-07-29 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: CA

Complaint narrative:
Cording to recent FCRA rules, XXXX takes action against those companies. You do not pay attention to the law regarding I deserved in XXXX days to see that are necessary for action to be taken against addition to block the negative information till the matters resolved.the CFPB forces actions against collection firms that do not fall in the XXXX XXXX and the fair debt collection at it would be who is the CFPB to concentrate on the local level and pay attention to those rooms out of nowhere in California. They dont even have a license to collect XXXX to move forward on a shot of the transactions allowed to extort the public

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 2024-07-29 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: CA

Complaint narrative:
Cording to recent FCRA rules, XXXX takes action against those companies. You do not pay attention to the law regarding I deserved in XXXX days to see that are necessary for action to be taken against addition to block the negative information till the matters resolved.the CFPB forces actions against collection firms that do not fall in the XXXX XXXX and the fair debt collection at it would be who is the CFPB to concentrate on the local level and pay attention to those rooms out of nowhere in California. They dont even have a license to collect XXXX to move forward on a shot of the transactions allowed to extort the public

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dispute of inaccurate reporting To Whom It May Concern, Account Name : XXXX XXXX XXXX Account Number : XXXX I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$7100.00} According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.

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 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
What happened? 

I am writing to file a complaint regarding fraudulent transactions on my credit card. The details of the issue are as follows : Fraudulent Transactions : Dates : XX/XX/XXXX and XXXX, XXXX  Amounts and Locations : XXXX time of transactions of {$20.00} each at a car wash in a city I have never visited. 
Additional transactions of {$76.00} and {$17.00} at a gas station and XXXX XXXX in a district I have never been to. 
Actions Taken : Work Schedule : On XX/XX/XXXX and XXXX, I was working from XXXX XXXX  to XXXX XXXX  at home in XXXX, ZIP code XXXX. This can be confirmed by my XXXX. Given my work schedule and location, I was unable to make these transactions. 

Additional Observations : Transaction Pattern : My transaction history with Bank of America shows that I have never used my credit card for in-store purchases. It is unusual for me to suddenly have multiple transactions in a city and locations where I have never been, especially considering the small and repetitive amounts involved. 

I request that the Consumer Financial Protection Bureau assist in resolving this matter and ensure that the fraudulent transactions are properly investigated and addressed by the credit card issuer. 

I have disputed those claim of in total {$250.00}. But boa claimed that " XXXX, were unable to approve your recent claim. 
Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : The merchant provided documentation confirming you received the merchandise or service. " Claim number : XXXX Amount : {$250.00}

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 monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Elite Financial Services, Inc.
State: FL

Complaint narrative:
I have paid over {$900.00} every month since at least XX/XX/year>. The company changed names about a year into our relationship with them. They are now known as Elite Financial Services. And they use XXXX XXXX XXXX as an intermediary. I need to reach out to my bank to get an exact amount, but I've paid roughly asking {$25000.00}. Half way through the apparent program they called to offer some sort of debt consolidation but i declined. The guy I call is XXXX XXXX. He never picks up my calls or responds to texts. This company doesn't seem to exist on the internet. I called a company in South Carolina called Elite Financial Services, and they told me they get calls all the time from me and that the company I'm dealing with is probably not legitimate. They recommended I reach the attorney general of Florida.

Company response to consumer: Untimely response
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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 2024-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cashapp closed my account due to violating their terms and conditions. I asked for reconsideration and explanation. Cashapp sends me electronic responses that says it's closed permanently and it is final because I violated terms and conditions and there is no other action that I can take. 

So I called there customer service XXXX number and the agent told me that it sounds like a computer error and he will resubmitt my reconsideration because I am entitled to know what terms and conditions I violated or I need to know if my account was hacked due to fraud. He told me to wait on a email response. 

So today for the third time I received the exact same computer generated response that I received the first, second time. 

I have a right to know if someone hack my account and caused a violation of terms and conditions or what terms and conditions was violated under my account name, my linked bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: MA

Complaint narrative:
I have been disputing the issue on Experian for months now. My auto loan with navigant auto is being reported as late for the month of XX/XX/XXXX and ND ( no data ) for the months of XX/XX/XXXX through XX/XX/XXXX instead of paid on time. The issue continues despite my disputes and attempts to resolve with the financial institution directly.

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