vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
On or about XXXX, I applied for and received a short time later my " FREE '' annual credit report from " XXXX '' with my XXXX score of " XXXX '' mailed to my home address of : XXXX XXXX XXXX ; XXXX, California ; XXXX ( where I have only XXXX  years left of my XXXX XXXX XXXXXXXX XXXX home loan on ) which also matches my California driver 's license. 

On or about XXXX, I applied for and received a short time later my " FREE '' annual credit report from " XXXX '' with my XXXX score of " XXXX '' mailed to my home address of : XXXX XXXX XXXX ; XXXX, California ; XXXX ( where I have only XXXX years left of my XXXX XXXX XXXX XXXX home loan on ) which also matches my California driver 's license. 

On or about XXXX, I applied for and received a short time later my " FREE '' annual credit report from " XXXX '' with my XXXX  score of " XXXX '' mailed to my home address of : XXXX XXXX XXXX ; XXXX, California ; XXXX ( where I have only XXXX  years left of my XXXX  XXXX XXXX XXXX home loan on ) which also matches my California driver 's license. 

On or about XXXX, I applied for IN PERSON and opened IN PERSON a " savings account '' with the bare minimum requirements of {$300.00} with XXXX XXXX XXXX  located in XXXX XXXX, California ( about XXXX miles west of my legal home residence of : XXXX XXXX XXXX ; XXXX, California ) which also matches my California driver 's license. However, yesterday ( XX/XX/2023 ), I received a letter from XXXX XXXX XXXX with the " Date of Notice : XX/XX/2023 '' stating in effect that " We regret we can not open your account today due to information received from Chex Systems , Inc., a consumer reporting agency ... And is UNABLE to provide you with specific reasons why the decision was made. '' My State of California and my United States consumer credit rights have been intentionally, maliciously and unlawfully violated by " Chex Systems , Inc. '' for failure to state the " specific reasons '' that caused XXXX XXXX XXXX to CLOSE out my account. 

I was born XXXXXXXX XXXX  as a legal citizen!!!

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 2023-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filled a dispute with my Capital One charge card regarding purchasing brake pads and rotors for my XXXX XXXX XXXX vehicle that was purchased in XXXX - XXXX of XXXX. The service was a two year warranty, and I had problems for the second time with the installed brakes and rotors. The first time they were installed the brakes were squeaking so bad I had to go back to shop. I had to wait for about 2 weeks before they were installed again. 

This XXXX of XXXX my car with vibrating when I step on my brakes. I went back to the merchant and they informed my to purchase the brake pads and rotors myself and only have to pay him {$75.00} to install them. I paid previously a total of {$460.00} for brakes and rotors that they provided with labor. I decided not to go back to them because it had not been a year since I paid for the services done on my vehicle. I decided to file a dispute instead to recoup my funds and get them done correctly elsewhere. 

At first Capital One reversed the charge and then recanted due to it being over 60 days. I have since XXXX information and it said that I'm entitled to a chargeback up to 540 days. This information said I should be able to get my funds credited back to my charge card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I have a lease through XXXX XXXX, the lease has been purchased by Westlake Portfolio and I was never told about this purchase until I received a letter from Westlake Portfolio on XX/XX/2023. The letter was dated XX/XX/2023. I had previously tried to log into my account with XXXX XXXX to make payment and was not able to do so. I have no problem with starting my payments again now that I know who to pay, but I should not have to pay the total that they are demanding because I did pay for a warranty that is no longer valid and I need to purchase a third party warranty. I am also not going to receive the oil changes that was included with the lease. The vehicle also did not come with a spare tire or a jack which I was never told about. The only thing that was in the trunk area was a fix a flat kit. Had I been aware of this at the time of the lease signing, I would not have taken the vehicle.

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 2023-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with accounts and fraudulent inquiries I did not authorize

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 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have had an ongoing issue with Midland credit management. I have filed both an FTC report and police report and made this company aware that these are not my accounts. They requested an updated FTC Identity Theft report with the account numbers and the date I was made aware of the fraud. I have listed it on the report. I am demanding this company delete both accounts or further actions will be taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 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: FL

Complaint narrative:
I have attached 2 FTC reports with accounts and fraudulent inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I sent money using the Remitly app to XXXX to one of my friends accounts i sent the money on XX/XX/XXXX the day i sent the money remitly sent me a notification saying that your transaction is completed and your recipient have the money by now in his account when i asked him he sayed he never got the money i call remitly to ask them and the coustmer service team told me that i have to wait for 7 days in order for us to proceed with your transaction and to get the email back its been 10 days they have not solved my problem so far every time i call them they say i have to wait when i want to talk to the supervisor they that the supervisor are busy at the moment or we will call back in hour and will connect you to one and they never called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I sent an email to Shellpoint Mortgage regarding the late payment they reported on my account in XXXX stating I was 60 days late. My loan was transferred to Shellpoint from XXXX and I was under the CARES ACT coming out of a covid-19 program, placed on a repayment program under the CARES ACT to where my account would not be reported while in the program. I have followed all guidelines as well as made each payment in addition to other payments just to get my account out of the repayment program. I actually got my account caught up in XXXX, when the program was designed to last until XXXX. 

I have tried to work with Shellpoint to get this late report off my credit. It is bad enough to have gone thru the enormous economical issues I did for over 2 years during covid and was fortunate enough to be able to meet all requirements to be put into the repayment program. According to the law, NO CREDITOR is to report anyone under any CARES ACT program late especially if they are following all guidelines. 

I am requesting that my account show they acquired my account in XXXX as it does and it is NOT NOR HAS IT EVER BEEN late as my account has been under the CARES ACT that Shellpoint acquired from my previous loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 2023-04-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 2023-04-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian reported misinformation to XXXX XXXX XXXX XXXX  on XX/XX/23. that is inaccurate and contradicts information that Experian has provided me through their website. Experian reports my credit score to be XXXX on their official website, but had reported a score of XXXX to the lender

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Great Lakes has not been a loan provider for my student account for years. All my loans were transferred back to the original holder XXXX XXXX  several years ago. In 2021 XXXX XXXX  forgave all my loans and closed my accounts yet Great Lakes is attempting to report that student loans are active on my credit report. They are reporting recent late payments which are not at all true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-04 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: FL

Complaint narrative:
I have attached two FTC reports with accounts and fraudulent inquiries I did not authorize please delete

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 2023-04-04 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: TX

Complaint narrative:
XXXX violated my rights by : ( IAW XXXX XXXX [ Fair Credit Reporting Act ] ) sharing my information without my written consent. Also, XXXX has consistently harassed me by sending numerous notifications via email, supplied multiple reports of the same account to the credit reporting agencies ( which make my credit report look even more unfavorable ). 

I contacted all three of the primary credit reporting agencies about this problem last year, but none responded to me in any positive manner to assist in correcting this issue. I contacted all three of them again in XXXX of this year, and received responses that, again, were not helpful.

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 2023-04-04 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: TX

Complaint narrative:
XXXX violated my rights by : ( IAW 15USC 1681 [ Fair Credit Reporting Act ] ) sharing my information without my written consent. Also, XXXX has consistently harassed me by sending numerous notifications via email, supplied multiple reports of the same account to the credit reporting agencies ( which make my credit report look even more unfavorable ). 

I contacted all three of the primary credit reporting agencies about this problem last year, but none responded to me in any positive manner to assist in correcting this issue. I contacted all three of them again in XXXX of this year, and received responses that, again, were not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX XXXX Account XXXX : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 2023-04-04 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX XXXX Account XXXX : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX has not been a loan provider for my student account for years. All my loans were transferred back to the original holder XXXX XXXX  several years ago. In 2021 XXXX XXXX  forgave all my loans and closed my accounts yet XXXX XXXX is attempting to report that student loans are active on my credit report. They are reporting recent late payments which are not at all true.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX has not been a loan provider for my student account for years. All my loans were transferred back to the original holder XXXX XXXX  several years ago. In 2021 XXXX XXXX  forgave all my loans and closed my accounts yet XXXX XXXX is attempting to report that student loans are active on my credit report. They are reporting recent late payments which are not at all true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX has not been a loan provider for my student account for years. All my loans were transferred back to the original holder XXXX XXXX  several years ago. In 2021 XXXX XXXX  forgave all my loans and closed my accounts yet XXXX XXXX is attempting to report that student loans are active on my credit report. They are reporting recent late payments which are not at all true.

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