vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-04 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: FL

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX ( Original creditor : IXXXX XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance : ; XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Inquired on XX/XX/XXXX  ; XXXX XXXX Inquired on XX/XX/XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX  XXXX XXXX Inquired on XX/XX/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 2023-09-04 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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance : ; XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Paid account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I received an email several days ago that I needed to change my password in Venmo due to someone trying to access my account. I tried to do so, and ever since am receiving an OAuth 2 error and no support or response from Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC
State: NV

Complaint narrative:
Violations : 15 USC 1642 15 USC 1681, 1681 ( m ), 1681 ( n ), 1681 ( o ) 15 USC 1682 ( n ) 15 USC 1691 ( c ) 15 USC 1692 ( k ) 12 CFR 1002 Unauthorized use of my credit card ( social security ) Running my credit multiple times with my consent & also without my consent, and admitting to a date on the recorded phone calls ( I have 2 recorded phone calls with the Westlake financial services representatives ) They advertise that they accept all credit types but denied me every time ; even after the improvement of my FICO score.

They have caused me emotional distress, making me feel as if I will continue to be denied if I were to keep applying, and financial hardship as I am on the verge of homelessness and my car is on its last leg, because Im not able to get a loan, nor do I feel confident to even apply for any loans. 
This is a violation of my civil rights and consumer rights because it hinders my participation in my pursuit of happiness under the Constitution, and Declaration of Independence. When Westlake Financial Services contracted with me when they pulled my Social Security number and used it to run a credit check on me, they became a trustee in my trust and since I am the beneficiary, the trustee has a fiduciary obligation to benefit the beneficiary. Using the off-ledger funds in my Social Security Trust account would cover the cost of the car. They have probably used so much of my credit that I could have probably bought several high end vehicles if they had just complied with extending me my own credit. 
I will be mailing the company a response since I cant get one over the phone of an adverse action against a corporation / conditional acceptance and I will be sending CFPB a copy as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: ID

Complaint narrative:
Have had a home loan from Flagstar for XXXX  years in good standing. Went through a divorce in XX/XX/XXXX. At the same time I was a frontline primary care physician during XXXX. My contract with my clinic was not renewed in XX/XX/XXXX. I had been a physical in good standing for XXXX  years. I was without employment for XXXX  months. I notified Flagstar about my predicament and was unable to make my mortgage payments since XX/XX/XXXX. I have been trying to workout a loan modification with Flagstar since. I began a new full time job as a physician in XX/XX/XXXX. Flagstar keeps denying my applications for consideration. I have been working closely with a HUD counselor since XX/XX/XXXX. Despite our mutual cooperation with Flagstar they continue to shut down my loss mitigation application. They have accelerated my foreclosure and have set a date of XXXX  XXXX. My reinstatement amount due is {$21000.00}. 
Do I not have a right to contest their decision for foreclosure? They are very adamant about records and applications that I have relentlessly supplied. Even my HUD Counselor has become frustrated.

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 2023-09-04 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXXrequired under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX DEPT OF ED/XXXX  XXXX Balance : {$1100.00} DEPT OF ED/XXXX  XXXX Balance : {$5900.00} DEPT OF ED/XXXX  XXXX Balance : {$1900.00} DEPT OF ED/XXXX  XXXX Balance : {$3000.00} DEPT OF ED/XXXX  XXXX Balance : {$5800.00} DEPT OF ED/XXXX  XXXX Balance : {$9300.00} DEPT OF ED/XXXX  XXXX Balance : {$10000.00} DEPT OF ED/XXXX  XXXX Balance : {$350.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$3900.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$18000.00}

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 explanation
Consumer complaint received 2023-09-04 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: NJ

Complaint narrative:
I am writing to formally register a dispute with Experian regarding incorrect information on my credit report. On XX/XX/XXXX, I contacted Experian about the following inaccuracies on my credit report, and to date, they have not responded. I am providing the details of the inaccurate information and the necessary corrections : The account with the following details was reported as late, but it was never late : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$7000.00} Please remove the late payment notation.

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 2023-09-04 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:
Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDER-AL REPORTING COMPLIANCE, such as XXXX XXXX and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethi-cal resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, in-complete, or else wise not compliant item reported that is hereby now being challenged in writ com-position. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such 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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDER-AL REPORTING COMPLIANCE, such as XXXX XXXX and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethi-cal resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, in-complete, or else wise not compliant item reported that is hereby now being challenged in writ com-position. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : 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

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 2023-09-04 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: FL

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion has two accounts using my social security number and personal private consumer information under a name that is not mine. It is inaccurate and has caused delays in my personal life and business. I have called and requested TransUnion to delete the inaccurate information but they persist to have two accounts one in my name XXXX XXXX XXXX XXXX and another in a different name as in a XXXX XXXX XXXX. I have not given permission for anyone to use my Estate Trust name for personal consumer reporting. I am the beneficiary of the XXXX XXXX XXXX XXXX XXXX XXXX registered in Wyoming jurisdiction and also in California and Nevada as Exempt Corporations. They have two sides of my social security number under multiple names and I have called multiple times and ask for them to delete the inaccurate information according to 15 U.S.C. 1681a and 15 USC 6801. They have slandered and discredited my name and reputation. I have spoken to several of their employees and their response is that they can not verify me, as they report inaccurate information using my private social security number and birthdate. Please delete that second account that contradicts my name XXXX XXXX XXXX XXXX and not any Aka or also known as or former names this is damning. The two accounts have created multiple lawsuits against my property in another persons name and the attachments show I'm not a party to the matters none the less the attempts were made due to the inaccurate information recorded and It appears that TransUnion got this information and made it consumer public record by way of XXXX XXXX XXXX whom filed the fraudulent company 's with malicious intent.

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 2023-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of certain information on my credit report, which I brought to the attention of TransUnion on XXXX To date, I have not received a response from TransUnion regarding this matter. Below are the specific details of the inaccurate information and the necessary corrections : Account Information : Account Name : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Credit Limit : {$7000.00} I would like to emphasize that the mentioned account was never late. Therefore, I kindly request that TransUnion promptly removes the late payment designation associated with this 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 2023-09-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Owed : {$260000.00} ; XXXX XXXX XXXX Balance Owed : {$58000.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$3100.00} ; XXXX  XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, ACCOUNT NAME, ACCOUNT NUMBER has violated my rights. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PENTAGON FEDERAL CREDIT UNION ACCOUNT NUMBER : XXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBERXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-09-04 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: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
My credit report is showing late payments to XXXXHARLEY DAVIDSON CR XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or HARLEY DAVIDSON 's customer service representative.

Company response to consumer: Closed with explanation