vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased a car from XXXX XX/XX/2022 I have not missed I received notification from west lake portfolio that I still owe my beginning balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
After reviewing my credit report, i noticed discrepancies listed under the following names ; XXXX Collections XXXX and XXXX XXXX  XXXX. These account i do not recognize and were asked to be validated properly, which wasn't. They are still reflecting on all XXXX credit report and is still negatively affecting me. I do not believe the account belongs to me or the collection company has authorization to atempt to collect on the account. Please strike and remove these collections from all XXXX credit bureaus. 
15 USC 168 section 604 ; StaXXXX right to consumers privacy- reporting agency can not furnish an account without MY written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: MN

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXXXXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
When I checked my credit report and discovered late payments on the following dates, I was astounded. I know that I have the right to know where this negative items a re coming from and delete them immediately since it was a clear violation of 15 USC 1681 section 602 A which states I have the right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: I.C. System, Inc.
State: TX

Complaint narrative:
I did not get verbal or Written consent to place any credit reports on my credit. I also tried to resolve this matter by contacting each creditor but they fail to comply with 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 2023-08-10 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I did not get verbal or Written consent to place any credit reports on my credit. I also tried to resolve this matter by contacting each creditor but they fail to comply with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have called Chase bank ( XXXX GA ) several times to clarify the details of my account. I have spoken to ( I believe XXXX The XXXX lady ) several times in reference to my account status. Im constantly receiving emails from this bank that I had years ago and forgot about but Im being denied access to my bank account information and status. I have left several messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023, XXXXXXXX XXXX., I received a notification that there was a withdrawal in the amount of {$300.00} ATM Transaction and {$1000.00} ATM Transaction from a card ending with XXXX. It asked me to reply Y if authorized or STOP to STOP msgs. I replied STOP to but did not press Y to authorize the charges. Also, the card ending XXXX is not a card that was ever issued to me. Once I noticed I pressed stop and didn't respond with Y, I called Wells Fargo Customer Service and told them I had unauthorized charges and they were unable to help me because the Legal department was closed. I showed up in person to my local Wells Fargo Bank on the very next day, XX/XX/2023. The banker was able to confirm that two checking accounts were opened in my name without authorization from XXXX XXXX and that funds from my credit account were moved into one of the accounts and then withdrawn. I have received multiple decisions from telling me I am not liable to telling me I am liable for the fraudulent charges which has been very confusing and stressful. One of the employees from Wells Fargo is making accusations that the transfer was authorized from my IP address which is completely false. I also received a letter stating instead of {$4300.00} I have charges in the amount of {$6600.00} that were authorized by me and my claim has been closed. I have been meeting with the same banker and it's still ongoing locally. I really hope we can resolve this issue as I am XXXX XXXX XXXX and retired and I really want to resolve this as I live on a fixed income and shouldn't have to pay for something that was unauthorized on my account. Wells Fargo even claims you wont be held responsible for promptly reported unauthorized card transactions which I did that very night by calling customer service.

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 2023-08-10 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report. Thank you. 
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

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 2023-08-10 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: MI

Complaint narrative:
I sent a letter last XX/XX/XXXX to remove/block he listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX  XXXX Balance : {$890.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX XXXX : {$380.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00} ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-08-10 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: MI

Complaint narrative:
I sent a letter last XX/XX/XXXX to remove/block he listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-10 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: MI

Complaint narrative:
Experian, I am writing to formally dispute the presence of a fraudulent account on my credit report and to bring to your attention the violations of 15 U.S.C 1681b and 1681c-2. I have discovered that XXXX XXXX XXXX has been reporting an account in my name that I have never authorized or had any association with. 

As a victim of identity theft in the past, I am extremely concerned about the inaccurate and damaging information being reported on my credit report. I have taken immediate action to rectify this matter by providing Experian with the necessary documentation to verify my identity and prove the fraudulent nature of the account. However, I have not received any valid documentation from Experian associating me with this account. 

According to 15 U.S.C 1681b, Experian is required to have permissible purpose or my explicit authorization to furnish my credit information to third parties. I want to emphasize that I have not given Experian, or anyone else, authorization to furnish this fraudulent account information. Therefore, Experian is in direct violation of this provision. 

Furthermore, Experian is in violation of 15 U.S.C 1681c-2, which requires the credit reporting agency to properly investigate and validate the debt before allowing it to be reported on my credit report. I have requested to see how this account was certified, but Experian has failed to provide me with any valid documentation that verifies my association with XXXX XXXX XXXX  or the existence of any signed contract agreement. 

To support my dispute, I have enclosed copies of my Michigan state-issued driver 's license, a valid police report documenting the fraudulent account, and a report filed with the Federal Trade Commission ( FTC ) regarding this fraudulent activity. These documents clearly demonstrate that I have been a victim of identity theft and that the reported account is fraudulent. 

I kindly request that Experian conducts a thorough investigation into this matter and takes immediate action to remove the fraudulent account from my credit report. Additionally, I urge Experian to update my credit report accurately by removing the incorrect address associated with this fraudulent account, as mandated by 15 U.S.C 1681c-2. 

Please provide me with a written response within the timeframe specified by the Fair Credit Reporting Act ( FCRA ), acknowledging the receipt of my dispute and informing me of the actions taken to resolve this matter. If necessary, I am prepared to seek legal assistance to protect my rights under the FCRA.

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 2023-08-10 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: CA

Complaint narrative:
This is my first 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, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1100.00} XXXX / XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-08-10 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: TX

Complaint narrative:
I sent a letter last XX/XX/XXXX to remove/block he listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX Balance : {$430.00} XXXX  XXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXX 2021

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 2023-08-10 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:
I sent a letter last XX/XX/XXXX to remove/block he listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX Balance : {$430.00} XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an 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 2023-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Venmo purports to be a money transfer service when it is in fact operating as a short-term XXXX equivalent . In its customer service rep 's own words, Venmo " fronts '' money that is paid to designated recipients immediately yet doesn't take payment from the sender 's bank account for XXXX days. 

This distinction becomes important for my own recent horrific experience : I initiated what I thought was a transfer but quickly noticed the originating bank account was XXXX that I had previously closed. I was unable to cancel the " transfer '' because Venmo had immediately deposited funds into the recipient 's account. Under the mistaken impression that this transaction would function like any actual transfer ( ACH, etc. ) where both the account and fund availability would be verified before flow of funds, I replicated the " transfer '' from an open account with the effect of Venmo immediately delivering to the recipient twice the intended amount. 

Within a couple of days, it became evident to me that Venmo had duped me into redundant transactions by purporting to be a transfer service rather than the " pay now, repay later '' fronting business they actually operate. I learned this through persistent account freeze emails from both Venmo and PayPal to my great disappointment since any real transfer service would first verify/validate the account then confirm fund availability rather than creating a fictitious transfer by " fronting '' funds they expect to be paid/repaid soon thereafter. 

When I called Venmo customer service in an attempt to set straight, the first call went straight to a collector who threatened to put me into collections status if I didn't pay immediately. Having an XXXX credit score and only XXXX missed payment in 30 years, this was naturally alarming. When I eventually talked their payments specialist off that ledge, he transferred me to an equally unhelpful customer service rep whose basic stance was " pay the money we duped you into redundantly sending or we'll send you back to collections. '' There was XXXX consumer-friendly concession that Venmo may have been in the wrong or could conceivably meet me in the middle. 

Although that rep was unwilling to help in any capacity ( except to send me back to collections ), he did provide the " fronting '' explanation that forms the basis of this complaint. Of course, he immediately denied the position he had articulated when I informed him that my next step would be a CFPB complaint. 

I believe that Venmo needs to be held accountable for deceptively purporting to be a transfer service like XXXX or even their sister/parent company PayPal when Venmo are undertaking none of the standard verification/validation measures available in abundance through any number of service providers and, in fact, industry standard for any legitimate transfer/payments service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
In XX/XX/XXXX, I initially applied for an account with Navy Federal. They denied me with no explanation or letter as to why I was denied. Ive applied XXXX XXXX. In XX/XX/XXXX, I reapplied. They confirmation stated I needed to hand in verifying documents for my identity. When I went into the branch a week later, XXXX, a rep at XXXX XXXX XXXX XXXX said she check me in and I would be next. XXXX minutes went by and in that time XXXX other customers walked in and needed to speak to a representative. I waited over an hour before I walked out. within that time, there was no communication and XXXX saw the other customers before me. I called the customer service line but not XXXX person addressed my concerns. I decided to go into the branch again on XX/XX/XXXX to speak with the branch manager. I spoke with XXXX and he stated they use a outside agency named XXXX and they denied me. I called XXXX, the Agent could not find me in his system and asked me for my information to build a profile I refused. I called XXXX XXXX ( branch manager ) back and now he stated the back office just needs my identity and mailing address confirmed. I handed him my ss card, VA ID, DL, proof of residency, up to this day, I have not received any notification as to opening my account. Ive called the customer service line, they blame the branch, I go into the branch, they treat me as if Im not worthy to branch at a bank that was build for me. I have emails, records, recorded calls, numerous supervisors names and this is now the second time Ive handed Navy federal my personal information and it is exposed to them for them to not deal with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief