vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.

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 2023-03-27 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: RI

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello , I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CT

Complaint narrative:
I called Bridgecrest to change my payment schedule from biweekly to monthly. There's no way to change online and I should not have to pay 3 times in one month instead of my regular payment of a little over {$500.00}. I have a XXXX XXXX XXXX  that was purchased from XXXX and the loan company is Bridgecrest. I had this vehicle for 10 months and have never gone 30 days late on my payments. I already have an issue that they used some kind of spray over the car to make it appealing to buy because when we got it home there were all kinds of scratches in the bumper, etc. I was also overly charged for this vehicle. When I called I thought they had made the change to monthly payments. I received a call 2 days later saying I wasn't approved to change to monthly payments. I had no idea that I needed to be approved and when I asked why they said they did not believe that I could pay is what the rep told me. I've been paying my payment for 10 months and I have a co owner. How is it that I can not make my payments just because I want to switch to monthly payments.

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 2023-03-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XX/XX/22 ordered a computer from QVC amount {$3700.00}. Did not receive the item. QVC made a police report, XXXX stated the item was delivered on front porch. Have been disputing this with the creditor. My account is reporting a 30 day late charge on my credit bureau 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 monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meade & Associates, Inc.
State: CA

Complaint narrative:
I was injured at work and have a settlement agreement that my previous employer is to pay for all future education expenses through the State of California XXXXXXXX XXXX 
XXXX XXXXXXXX XXXX XXXX  did not submit a request for payment to the State of California. They then forwarded my bill to a collection agency.

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
on XXXX of XXXX i rented an apartment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx after the texas snowstorm, i could not continue living in the apartment i lived in for over 7yrs when i signed the lease for the new apartment XXXX XXXX explained to me that she only had one upstairs apartment and as soon as a downstairs came open due to my XXXX she would move me downstairs well on XXXX XXXX my job of over 8years let me go i had no job and trying to still get over XXXX XXXXXXXX i gave 2month notice to leasing office and XXXX XXXX infromed me that i should apply for texas rent relief so i did and texas rent relief paid the one year lease i had signed off no balance was left as time went on could not fine a new employer i cleaned out the apartment which was still upstairs, i had given XXXXXXXX XXXX {$300.00} money to move to the downstairs apartment  which she kept and told me that it was applied to rent after texas rent relief paid all the lease and utilities i called the leasing office and spoke to manager XXXX XXXX because a debt collection agency was calling demanding that i pay an amount of over {$600.00} to them on past due rent for XXXX XXXX XXXX i called leasing office attempt to resolve this issue XXXX XXXX told me that i gave a 60day notice and yes all of the lease was paid in full so what is the amount that XXXX XXXX XXXX sent to collection agency for? 

XXXX XXXX told me you are a skip because you moved out one month before the date of the 60day notice you gave i explained to XXXX XXXX that i had to schlude help to clean the apartment and help with moving heavy items to leave the apartment very clean and ready to rent to someone else the apart was rented the week i moved out to a new tenant so the XXXX XXXX XXXX lost no money in fact the kept my {$300.00} deposit for the downstairs apt and the lease was paid in full for the rest of the one-year lease and so were all the utilities by texas rent relief this was put on my credit report and apartments will not rent to me due to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to express my concern regarding the recent closure of my Bank of America account. My name is XXXX XXXX and I received notification from the bank that my account was closed due to a " business decision '' without any further explanation. As a customer, I believe it is my right to be informed of the reason behind this decision. 

I understand that banks have an obligation to prevent fraudulent activities and I appreciate their efforts in ensuring the safety and security of their customers. However, in the absence of any explanation, I am left with concerns that my personal information may have been compromised and used for unauthorized purposes. It is imperative that I know the reason for the closure so that I can take necessary actions to protect myself and prevent any further misuse of my personal data. 

I went to Bank of America branch and called customer service, both were rude and talked to me like I committed a crime and that the reason for account closure is because of a mistake from my side, which is not true at all. 

I strongly believe that every customer deserves transparency and respect from their financial institution. The sudden closure of my account without any explanation is not acceptable, and I request that Bank of America provides me with a clear and detailed explanation for this decision. I hope that this matter will be resolved as soon as possible and that my concerns will be addressed accordingly. 

Thank you. 

Sincerely, 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 2023-03-27 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: MA

Complaint narrative:
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. ( ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMGES OF NOT LESS THAN {$100.00} AND NIT MORE THAN {$1000.00} )

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 non-monetary relief
Consumer complaint received 2023-03-27 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: FL

Complaint narrative:
I am a natural person, i am a living human being, i have rights under 15 USC 1681. Equifax is govern by 15 USC 1681, and they violated my rights numerous of time. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX//22 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating They do not report any bankruptcies to anybody So if thats the case, how did the credit bureau verify this bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section ( 3, E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit Bureau violated my given right under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy According to : 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 According to : 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 2023-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Collections West, Inc.
State: IL

Complaint narrative:
I XXXX XXXX sent U.S COLLECTIONS WEST, INC a letter of dispute demanding them to provide me concrete evidence of my obligation to the said account in my name I informed us collections west that I wasn't in dispute of the ownership of the account but if US COLLECTIONS WEST , INC was unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. I received letter XXXX and it had none of the information that i demanded be verified US COLLECTIONS WEST INC informed me that they previously sent me a letter validating their claim which i believe to be false, and if what US COLLECTIONS WEST, INC says is in truth I would like to get a copy of the paperwork that they claim they originally sent out regarding this account. Which i believe US COLLECTIONS INC is not operating in truth because this is my 1st time disputing via mail.If it comes that US COLLECTIONS is not operating in truth and good faith i demand the said account be deleted from all XXXX credit bureaus immediately. 


UCC 1-308 UCC 3-414 XXXX XXXX XXXX All inalienable rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent Correspondence XXXX XXXX XXXX XXXX, SC XXXX. 
This company allegedly claims I owe a debt. I have no agreements with Resurgent. Resurgent claims I owe {$200.00}. Resurgent has been sending me text messages and calling since XXXX 2022. I sent a Cease and Desist letter which was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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:
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account 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 2023-03-27 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: Convergent Resources, Inc.
State: VA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt, These companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX convergent outsourcing ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know 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 2023-03-27 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:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
I have sent many letters, requesting debt validation and the company refuses to respond. They send statements that are irrelevant and not from Portfolio Recovery Associates. 
I do not have a contract with Portfolio Recovery Associates, nor do I want one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIRSTBANK
State: CO

Complaint narrative:
on XXXX, XXXX 2023 I received a check from an employer and took it to the first bank atm to cash it. I came home and checked my online account to see if it was deposited to find that my account was locked. so I called the number that the screen told me to find that the check was fraudulent! so I went in on the next business day to find out that my account was closed! I got a lecture that I should not cash checks that just come in the mail, even after I told them that this was a payroll check! and I asked them how does the average person know what a fraudulent check look like? and that question was ignored! needless to say, I walked out upset and really do not know why an account that I had for years was closed for something that I had no clue.

Company response to consumer: Closed with explanation