vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 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:
It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well.

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
XX/XX/2022, XX/XX/2022, XX/XX/2022. 
I was told by the employees at freedomplus that my credit score would not be affected. 
I was told they would only pull a hard credit check if I took out a loan. 
A hard check shows up under XXXX. 

freedomplus.com 2022 Freedom Financial Asset Management , LLC. 
All Rights Reserved. 
XXXX XXXX XXXXXXXX Main Office : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX Branch Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Mailing : XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TX

Complaint narrative:
I am a victim of identity theft. I dont know who this person is but I didnt authorize anyone to run my credit report or open a new 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 2022-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I had a medical bill back in XXXX 2020. I paid part of the bill but requested for assistance. I received XXXX XXXX  to pay off my debt. Didnt know all the debt was not paid and the rest sent to collections. Saw collections company ARS on my credit report today. Never received written notice from the collection company about debt to try to negotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: IN

Complaint narrative:
The Credit bureaus stated that account XXXX # XXXX was properly investigated, but how is that possible if the monthly payment is inaccurate, Date Opened is inaccurate, Balance is inaccurate, late payments are inaccurate, High Credit is inaccurate, Last Reported is inaccurate, Date of Last Payment is inaccurate. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I do not know who this person is but I didnt give anyone permission to run my credit report or open any accounts.

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 2022-09-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
A couple of months ago I reviewed my credit report and noticed an unknown negative account from Bank of America. I have disputed this account in the past but now I am being sued over it. In my previous dispute I requested that I be sent more information on the alleged account such as the application and contract but the only thing I received was what looked like a monthly statement with my name on it. I have been a victim of Identity Theft/Fraud/Impersonation in the past and have on file a police report, an identity theft report with the FTC, IRS and the Social Security Administration. Again I am asking Bank of America to send me the application that was made in my name and the contract with signature on it. Bank of America also needs to remove this account from my credit report and stop any/all collection activity immediately!

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 2022-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: MI

Complaint narrative:
Sent the following letter to Ascension Point Recovery Services This letter is in response to the phone calls and letters I have been receiving from you. 
According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or at any other location. 
Further, this XXXX account is no longer my responsibility. The XXXX of XXXX XXXX was settled many months ago therefore no funds remain to pay this debt. If you had contacted me timely I would have responded in a different manner. 
Now that you have received this Ceasing Communication letter, in accordance with the federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will be taken. 
Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming there will be no further contact and except notification of a specific action you intend to take, is in violation of the Fair Debt Collection Practices Act. I am also aware that any contact you make to a 3rd party concerning me is also in violation of the Fair Debt Collection Practices Act, specifically Section 805 ( b ) 2. 

Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SVB FINANCIAL GROUP
State: CA

Complaint narrative:
SVB XXXX offers a 3 % money market account on their website : https : //www.svb.com/startup-banking-edge/ # I have tried several times to contact the bank, via email and telephone. 
SVB XXXX has replied indicating " Unfortunately, we would not be able to extend our banking services ... '' This is deceptive advertising. SVB XXXX is conducting a fraudulent advertising campaign that is illegal and should be stopped from conducting those practices. 

I hereby submit my formal complaint against SVB XXXX for falsely advertising returns that are non-existent from my knowledge and wish to bring this to the CFPB office for review and determination of penalty ( s ). 

Electronically Signed, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
There is a charge from Aldous Associated that hit my credit. I never heard of the company or received any communication from them. I see there is a debt of {$260.00} dollars owed. I never agreed to pay anything to this company because I am not familiar with who they are. 

It states the original debt belongs to the gym. XXXXXXXX XXXX, the gym I spoke to the manager in XXXX of XXXX. We did not discuss any debt owed, he told me I could come in and get another active membership. He checked my login information and seen I had not been to the gym since XXXX of XXXX. He confirmed I did not have to pay for the year I did not attend the gym at all. 


I do not owe the gym anything because I have not been a member in almost a year. I planned on rejoining a closer location but I will not do anything with this gym now. This company has no record of me owing a balance or anything showing I entered this gym. Please remove this inconsistency off my credit. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called my bank, Regions Bank, on XX/XX/2022 to inquire about an Auto loan with the representative there. The banker answered some general questions regarding current rates, used car mileage and year requirements etc. That was the extent of the interaction. I never applied for a loan with Regions bank because that weekend I ended up purchasing a car and financing through the dealer. A couple weeks later I received correspondence by mail that I had been denied for an auto loan. I checked my credit report and found that Regions bank had initiated a hard inquiry on my credit with no approval or application submitted by me. I called the bank to inquire about this and they have refused to provide a copy of the supposed loan application that was submitted because it was their banker that submitted information without my consent.

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 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
We only have a {$3000.00} credit limit despite having a credit score of XXXX. We hit our limit and so I paid the balance of {$2800.00} on XX/XX/2022. The payment cleared my bank on XX/XX/2022. On my Capital One online account it shows that the payment was been made but they are only showing we have available credit of {$5.00}. I contacted them and was told that my full credit limit will not be released until XX/XX/2022. 

This is UNACCEPTABLE and no other credit card company does this. We were NOT delinquent in any way. We believe this is fraudulent and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB/AMERICAN EAGLE has been on my credit report since XXXX XXXX. 
Closed, never late and paid in full. 
Have attempted to have it removed several times, it keeps showing on my report.

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 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
The beginning of XX/XX/XXXX, I received a notice from my HR department at work that my wages were being garnished. My HR department provided 2 pages ( Citation Notice and the page with the calculation of the wage garnishment ). The total amount on the page was for XXXX. And from looking at the Citation page it looks like the citation was sent to an old address of mine. I never received any information from this creditor about this citation or any hearing dates. I moved to a new location as of XX/XX/XXXX and the citation paperwork was sent as of XX/XX/XXXX. 

I was denied " Due Process '' of the law because the creditor did not properly serve me and allow me to request any type of verification of the debt. 
What did I do to try and contact them - I reached out to an online law team to see if they could file papers on my behalf. The company filed an answer to the citation notice but I have not heard anything from the company ( and I'm assuming that I will not because again I did not receive the paper work when it was file and I probably missed the deadline date for the answer ). 

Now they have created all type of hardships for me by garnishing my wages. I spoke with the HR Dept. today and they said that now the total amount owed is XXXX. I really need help in resolving this issue with this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Because of the existing problem with Capital one has put my two credit cards in close status which i am still paying my monthly but not allow to use my credit cards at all. They are reporting negatively every month on my credit report and as a result i am being denied credit and extremely high interest rate loans on my car note. This is beyond damaging to my livelihood and business am being affected in and cant function under these discriminatory credit practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LDF Holdings, LLC
State: AZ

Complaint narrative:
One of Evergreen Services representatives, XXXX I believe was her name, contacted my daughter by phone call on XX/XX/2022 at XXXXXXXX XXXX XXXXXXXX, and identified the debt collector as Evergreen Services. The phone number used to contact my daughter was XXXX ( XXXX ) XXXX. I understand that these calls are meant to intimidate and harass me. 

I have already revoked Evergreen Services authorization to contact third parties on XX/XX/2022. Yet they continue to harass me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally bank has suspended my ability to ACH transfer fund out of my Ally account to my bank accounts at other institutions for months and refused to restore it despite my repeated requests.

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 2022-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I was late with my payments and tried to talk to the representative with Ally Financial bank to see what I could do. They never got back to me, one day my car was just gone and when I tried to ask them if they repossessed it they wouldnt tell me until that following week on Thursday ( my car was gone on a Friday ) they then proceeded to tell me I had until that Tuesday to come grab my belongings out of the vehicle but wouldnt give me and address to come grab nor did they follow the law of giving me seven to ten business days to collect my belongings. I had no court order issued for them to come take my car. I am in the military so they have to follow the SCRA which they did not.

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 2022-09-07 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: PA

Complaint narrative:
this account has an unknown balance and does not belongs to me and they have the wrong last name on the 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 2022-09-07 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: PA

Complaint narrative:
this account has an unknown balance and does not belongs to me and they have the wrong last name on the 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 2022-09-07 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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:
It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done to 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 non-monetary relief
Consumer complaint received 2022-09-07 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: NY

Complaint narrative:
I did not authorize nor consent to the following inquiries being furnished on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Experian business credit report for my small business states I have a delinquent account for {$2500.00} in which the business or I have never taken out a loan or even owe anything as far as credit, loads or anything. I believe this to be fraudulent and improper. There are trade lines on my credit that also arise from this.

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