vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I applied for a car loan through my bank and through XXXX credit. Both advised me Transunion reported my score as a XXXX. My score with transunion has been over XXXX for the last few years On line the score was over XXXX. When they did the hard inquiry I saw the score change to XXXX in real time. There is obviously a mistake in Transunions reporting. I called Transuion and was advised there was a big discrepancy between a XXXX and my actual credit score which in fact much higher. They were going to send verification via email but I have not received anything yet. I called a second time today and they advised me that I needed to file this complaint. This disinformation from Transunion cost me points on my loan application and a great deal of cash over the course of the loan. I NEED Transunion to fix this and send me confirmation.

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 2022-10-20 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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

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 2022-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express allowed a hacker to access my savings account and change my password thereby locking me out. The hacker then changed my email to their own and I no longer received statements as AMEX then sent them to the hacker not me. I did not find out about this until XX/XX/2022 when I tried to access my account as I needed my money for upcoming bills. When I tried to access my account, I found that my password no longer worked, and I was locked out of my own account. I IMMEDIATELY called American Express and we determined that my account had been hacked as per above. The hacker opened an account in my name and then transferred all my money into this account and then subsequently into his own at account XXXX XXXX XXXX. AMEX promised they would have this all resolved within XXXX - 10 days and if not the money would be replaced into my account until they have so I could pay my bills in the meantime. Their own website states that account holders are only responsible for the first {$50.00} if unauthorized transactions are reported within XXXX business days after learning of the loss, which this clearly was ( as it was reported to the listed AMEX phone number within XXXX minute ). It has now been over XXXX XXXX weeks, and AMEX seemingly has still not made any progress or honored their commitment after numerous calls by me and numerous unanswered calls/voice mails..., leaving me with a list of bills to pay and no readily accessible funds to pay them with. When I do get through to someone, they tell me how small the AMEX fraud department is, and that they are just overwhelmed with fraud complaints and that they will eventually get to mine. I must say that their representatives have all been very kind and seemingly understanding on the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
On XX/XX/2022 I requested via CFPB complaint # XXXX that Westlake Financial validated their right to collect an alleged debt that they are attempting to collect from I XXXX XXXX XXXX Instead of providing the necessary Information required pursuant to Title 15 U.S.C 1692g for I the consumer to properly validated my obligation to the alleged debt Westlake Financial sent me an account verification notice. At know point did I ask for any account verification information, I simply requested that Westlake Financial provide me with documentation to validate their right to collect any monetary payment for the alleged debt. To this current day Westlake Financial has failed to provide valid evidence that I the consumer owe them for the alleged debt. It has gotten worse because on XX/XX/2022 Westlake Financial took my vehicle from my place of residents without my consent and has reported this action as a repossession. Westlake Financial has sent me notice that they will be selling my vehicle in order to recover funds that I allegedly owe them for the debt that they have failed to validated. None of my valuable personal belongings that was in my vehicle was returned to me. Westlake Financial has claimed on numerous occasions that the federal laws governing the FDCPA does not apply to them.

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 2022-10-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
Today on XXXX XXXX, per XXXX, my score dropped XXXX points due to a Missed Payment listed by NATIONSTAR MORTGAGE LLC. I have no contract with them or their d/b/a MR. COOPER. I have asked for validation and verification of debt. I have asked for a Request of Accounting per the FDCPA. All they can send me is a statement of account and a copy of my note and mortgage which they are nowhere to be found in my paperwork. Notice, it is a fact, affiant is aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. Per XXXX XXXX it states that my account with NATIONSTAR MORTGAGE LLC began on XX/XX/XXXX. I don't know how that is possible when it was XXXX XXXX XXXX XXXX Who then in XXXX of XXXX sold my information to XXXX XXXX XXXX who then in XXXX of XXXX sold my information to XXXX XXXX XXXX who then in XXXX of XXXX sold my information to NATIONSTAR MORTGAGE LLC. The only one I have a contract with is XXXX XXXX XXXX XXXX. They are not able to produce any wet ink contract between myself and NATIONSTAR MORTGAGE LLC. THEY ARE IN COMPLETE AND TOTAL VIOLATION OF ALL APPLICABLE CODES UNDER TITLE 15.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
It's been brought to my attention that Experian has violated my rights as a consumer. According to 15 USC 1681b ( A ) - " Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other '' One of the circumstances is 15 USC 1681b ( A ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates ''. Which means that any item of information on my consumer report can not be placed on there without my written consent, I am requesting that Experian provide me proof of my written consent ( permissible purpose ) giving them permission to furnish these piece of information. 

COMPANIES : DATES : XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT 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 2022-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I am opening a bank account in wells fargo and I am sent to this company I need my bank 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 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I currently have a Capital One credit card. On XX/XX/XXXX i went to the website and made a payment that was the full amount showing on the site. there is no place listed on the site that gives me anything other than full balance. there is no place and or indication that there would be a different " payoff amount ''. i made a full payment paying off the entire balance of the card. on the XXXX of XXXX i was charged XXXX in interest charges. I called the company and was informed that this was due to a balance on the card for the prior month and i was informed that i would be charged interest if i had any balance for the past 2 months. this means that they will continue to charge me fees regardless and it makes it so there is no way to pay off the card in full ever. i talked to a supervisor ( XXXX ID # XXXX ) and he stated that i needed to look at my statement to get the full information. my statement also did not have a " payoff '' amount on the statement. he informed me that to get a complete and full payoff amount that i should have called a customer service representative to do that. their practices are significantly predatory!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC
State: MI

Complaint narrative:
I was a victim of identity theft, I was made aware on XX/XX/2022 when I pulled my free credit report online that's when I discovered that someone had opened an Credit Card with my Name and Social security number with XXXX XXXX and it is in collections with JHPDE FINANCE I , LLC. This Catastrophic error and negligence on behalf of JHPDE FINANCE I , LLC is causing a financial strain on my family as I am trying to become a first-time homeowner, now this process is delayed because of my discovery. Also, there are a host of unauthorized credit accounts opened when my identity was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Frontline Asset Strategies, LLC
State: IL

Complaint narrative:
Reporting a written off debt from XXXX and attempting to collect it from me in Illinois or Georgia : but they do not have a collection agency license in Illinois to report on my credit or attempt to collect. 

The original debt was written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: IL

Complaint narrative:
in accordance with the Far CredIt Reporting act. The List of accounts below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
Mohela has taken over XXXX XXXX XXXX from XXXX XXXXXXXX XXXX. Mohela has STILL not certified my payments made to XXXX XXXX prior to XXXX taking over in XXXX. I contact XXXX XXXX and they informed me that all payment information was sent to XXXX and Mohela. 
Because of the NEW PSFL rules, I currently do qualify for forgiveness, but this must be done before XX/XX/XXXX. 
It is obvious to me that Mohela is attempting to postpone the certification of older payments until after the deadline in a effort to prevent my loan from qualifying for XXXX. 
I know there are many others out there with the same problem and I bed the government to get involved and force these companies to comply. 
Unfortunately my old student documents were in storage during and were lost in California wildfires. I am now unable to get copies of these old documents. 
I hope any one else with this issue will contact CFPB. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX credit card 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 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX credit card 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: CLGF Holdco 1, LLC
State: OR

Complaint narrative:
On XX/XX/2022 I received an alert on XXXX XXXX account stating I had a hard inquiry from a company call XXXX XXXX Further investigating I called the company Genesis Financial Solutions giving my personal identity to see if they can find me in their system. No one could help me so I decided to file a complaint with XXXX XXXX XXXX 
I would like this hard inquiry removed from my account due to fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: TX

Complaint narrative:
How Im the world can yall update my credit score with closed accounts late payments if its closed wats late on it its against the law to to do that please stop updating my account wit those accounts thats closed and fraudulent they are are fraudulent accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and more if a account is closed and fraudulent how am i continuing paying for the stuff if its close please remove these items off my credit report they are fraudulent and not mines please please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern I am challenging the validity of the alleged bankruptcy you have listed for my credit reports I received a message from the credit Bureau stating that you verified the information. I contacted the federal courthouse for the XXXX XXXX XXXX Georgia and was told via letter that they do not verify this information, or the information was not verified with them for you or any other credit agencies. I am asking that they would please send me the information that you use to verify the alleged bankruptcies and that you would also either remove this bankruptcy from my credit file with you. For this is defamation of my character. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15U.S.C. 1681 et follow reasonable procedures to assure the maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, at XXXX ( XXXX. XXXX XXXX. XXXX, XXXX ) ( breaking down the requirements of 1681e ( b ), and explaining that assure means to make sure or certain : put beyond all doubt, [ m ] aximum means the greatest in quantity or highest degree attainable [, ] and possible means something falling within the bounds of what may be done, occur or be conceived. ( quoting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; 2 ) comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3 ) should not provide consumer files to companies without determining that these companies had a permissible purpose to obtain consumer files pursuant to 15 U.S.C 1681b ; 4 ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 
For your convenience, I am sending you a list of the items you need to verify them. These listed accounts. BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX EMAIL : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation