vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/2022 I received a credit monitoring alert from XXXX XXXX that, there were inquires made on my credit report. Upon checking my credit report, there were 3 credit card related inquires made. I called the banks that were involved to have those cards/accounts disabled. The credit bureau informed me that a formal complain is needed to have those queries removed from my credit report. 

These were the inquires made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion

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 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days. 
See the documents attached.

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 2023-01-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern while checking my most recent Credit Report I notice inquiries that I did not authorize mad by the following companies. 

prestige fin XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize ant employee by these companies to make any inquiries and view my credit. Please validate this information with these companies and provide me with the documentation bearing my signature authorizing these inquiries. 

Finally request that these item be deleted from my credit report if these sign documentation can not be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: IL

Complaint narrative:
To whom it may concern while checking my most recent Credit Report I notice inquiries that I did not authorize mad by the following companies. 

prestige fin XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize ant employee by these companies to make any inquiries and view my credit. Please validate this information with these companies and provide me with the documentation bearing my signature authorizing these inquiries. 

Finally request that these item be deleted from my credit report if these sign documentation can not be provided

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 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently reviewed my credit report and I found errors on my report from accounts I did not provide my written instruction. According to 15 USC 1681 I have a right to privacy and a consumer reporting agency can not furnish an account without my written instruction.

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 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022 i Certified mailed TransUnion Tracking Number XXXX a letter asking their company to investigate and delete the inaccurate accounts that is reporting on my Consumer Report. By Federal Law According to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( 1 ) ( A ) the consumer reporting agency ( TransUnion ) before the end of the 30 -day period beginning on the date on which the agency receives the notice of the dispute from the consumer after 30 days if the consumer reporting agency can not verify or validate this inaccurate Information the consumer reporting agency must promptly delete the items from the file of the consumer.

Also According to the FAIR CREDIT REPORTING ACT 15 USC 1681b ( 2 ) a consumer reporting agency may not furnish any information on a consumer report with out the written instruction of the consumer ( me ) to whom it relates. 

IM DEMAING THE FOLLOWING ACCOUNTS BE DELETED IMMEDIATELIY FOR FAILURE TO COMPLY WITH THE FEDERAL LAW XXXX ACCOUT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have uploaded all of the proper documentation to support my claim.

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 2023-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Please see attached ( 2 ) files. After PayPal " Executive Escalations '' denied my request for refund, I filed a dispute with my XXXX XXXX. They have been working with XXXX on this issue but, as you can see from my letter to the XXXX XXXX, nothing has been resolved after a number of weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
We closed an acount with Ally Bank on XX/XX/2022. The only way Ally would distribute the funds was by check, via USPS. When the check didn't arrive, we began contacting Ally by online secure messaging. They required a notorized " lost check '' form, which we sent. We requested the funds to be sent with a tracking option, as that had not happened with the original check. Ally sent the check via XXXX We followed the tracking delays, eventually noted as " address error '' and undeliverable, with no delivery date pending. This was nearly 2 months after the account was closed. Each time I called Ally, a different rep told me the same thing : confirmed our address, saying there was nothing they could do. Their only suggestion was for us to contact XXXX XXXX could not tell us what address was on the pkg and they would not release the package unless we could confirm the address! After yet another call to Ally, we finally got a rep who tracked down the address where the check was sent : IT WAS NOT A REAL ADDRESS. My name, but a non-existent address, not in any way similar to our actual address. Once we knew the wrong address, we drove 10 miles to XXXX XXXX to pick up the check, in order to avoid XXXX sending the check back to Ally, which would have required the whole " lost check '' fiasco to begin again. 
Ally Bank closed our account in XXXX, but they still have our funds. We deposited the check at our bank, but it's still " pending ''. So Ally has taken over 2 months to give us our money. 2 months where we had no access to it and we were not earning interest, but Ally had the use of our money. Human or computer errors? Perhaps. But this level of incompetence needs to be called out. If the various departments of Ally are giving customers the run around, whether by carelessness or fraudulent intent, it is unacceptable.

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 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have an NFL Extra Points card now issued by Comenity Bank. One of the promotions they advertised was receiving a {$100.00} statement credit if you have over {$500.00} in purchases other than NFL purchases within the first 90 days of the card 's issue. I met that requirement within the first 60 days. The issue date of the credit card was XX/XX/XXXX. I met the {$500.00} non-NFL  purchases by XX/XX/XXXX. I have called and sent secure messages on their website starting in XX/XX/XXXX. As of XX/XX/XXXX I still have not received the {$100.00} statement credit. I received a letter from Comenity Bank  dated XX/XX/XXXX saying I received the credit on the XX/XX/XXXX statement, which is not true. They have also removed all of the secure messages except the most recent one. They do not keep the rewards points available to review on their website nor do they include that information on your monthly statement. They still advertise the {$100.00} statement credit upon {$500.00} non-NFL purchases within the first 90 days. There are more issues but they fall under the payments category. I have never had such a deceptive company issuing a credit card. The NFL should be ashamed of putting their massive brand on a company that is totally unprepared to handle credit cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 UCS 1681i ( 5 ) I have waited more than 30 days and updated my credit report and everything was the same. 

Equifax and XXXX are reporting a bankruptcy but the date reporting is not correct on the reports because if it was they would be the same. 

This is a violation of the FCRA and is preventing me from purchasing real estate. 

I am attaching a copy of my dispute letters and my credit report to see how my rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
Fraudulent/Negative Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: AR

Complaint narrative:
I made a previous complaint with CFPB however, Westlake has not addressed my specific complaint and has only sent a payment ledger instead of actually reading and addressing my specific complaints. Please take your time to investigate my actual complaint. Sending a response that does not address my concerns will merely result in a new CFPB complaint advising that Westlake is not reading and responding to my complaints. 

XX/XX/XXXX my vehicle, XXXX, XXXX XXXX XXXX, was stolen and totaled. My insurance company, XXXX XXXX XXXX XXXX XXXX XXXX, informed Westlake Finance that my vehicle would be covered and payment would be rendered to complete payoff of the vehicle. I continued to make monthly payments until XXXX and XX/XX/XXXX as I was advised the payment from XXXX XXXX XXXX XXXX XXXX XXXX would have been received to pay off the vehicle by XX/XX/XXXX. However, in XX/XX/XXXX, I received a notice from Westlake Finance advising that I was late two months payments that included the months XXXX and XX/XX/XXXX. I contacted Westlake Finance supervisor, XXXX, on XX/XX/XXXX and apprised her of this matter and advised that my nonpayment was not as a result of my error and to correct my credit report and to authenticate my statements by speaking with XXXX XXXX XXXX XXXX XXXX XXXX and in the interim, I would remit payment XX/XX/XXXX until the insurance company 's payoff check is received and processed by Westlake Finance. XXXX advised, on a recorded line, that she would resolve this issue and she would contact me with a resolution within five business days, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
ACCORDING TO MY CREDIT REPORTS, I HAVE A CHARGE OFF ACCOUNT REPORTING. CHARGE OFFS ARE CONSIDERED CANCELED DEBT. 
AUTO DEALERS HAVE ALREADY FILED THIS DEBT ON THEIR TAXES WHICH REFLECTS WHY ITS ON MY CREDIT REPORT. BY LAW CHARGE OFFS ARE CONSIDERED ORDINARY INCOME. I DEMAND THAT THESE ITEMS BE REMOVED FROM MY CREDIT REPORT AND DELETED BECAUSE THIS IS A VIOLATION OF 15 USC 1681EB

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 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Chime Financial Inc
State: WA

Complaint narrative:
I have made several good faith attempts to pay this debt in full my issue is the following : Chime Bank has not provided a way to make payments on this debt. I have chatted with customer service representatives in the bank app. I've also made calls demanding a way to pay off my debt. No reasonable solution has been given for me to payoff this debt. I have no access to this account and Chime Bank refuses to offer a way to make a payment method to resolve debt. Please see attached correspondence with Chime representives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I went to XXXX XXXX in XXXX nc to test a car on XX/XX/2023. I was asked to give my information including address and social security number. I wasn't advised that they would check my credit but I had an alert pop up on my XXXX XXXX app that they did check it. I never gave permission for them to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I have contacting many different times to XXXX  for them to send me a box to return the modem. I contact them on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2022 XXXX XXXX and XXXX XXXX XXXXThe representative from XXXX  kept letting me know they are sorry for me not receiving the return box from them, to wait from 7 to 10 days. I received a collection notification from them on Friday XXXX XXXX for the amount of {$220.00}. Contacted Eastern Account System of Connecticut phone # XXXX and they advise me to contact XXXX. 
I contacted XXXX  again today XXXX XXXX and XXXX advise me to wait 7 to 10 days for the return box to arrive. I want to complaint about this. They are not sending the return box for me able to send the equipment back to them. They provide the XXXX  location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I went to dropped it on XX/XX/2022 and they have a box with different equipment 's on the floor but there was nobody on the site collecting them. It was raining and I contacted XXXX  to let them know I was not able to see anybody to return the box but just a box outside getting wet. They advise me to drop it there and wait up to 10 days. I asked them for the box and until now XXXX XXXX not receiving any box. What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 UCS 1681i ( 5 ) I have waited more than 30 days and updated my credit report and everything was the same. 

XXXX and Experian are reporting a bankruptcy but the date reporting is not correct on the reports because if it was they would be the same. 

This is a violation of the FCRA and is preventing me from purchasing real estate. 

I am attaching a copy of my dispute letters and my credit report to see how my rights were violated.

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