vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I financed a vehicle back in XXXX of XXXX a XXXX XXXX XXXX XXXX, for {$46000.00} when I purchased the vehicle from XXXX XXXX XXXX the dealership presented us with the car fax and showed that the vehicle had no accidents, the car was in " perfect condition ''. They also preassured us to financed the vehicle with the banks they offered, BMO Harris Bank. Recently we tried to do a trading on the vehicle, with a different dealership they checked the car history and it present that the car has been in an accident in XXXX. We tried going back to the original dealership where we purchased the vehicle. They essentially sold us a vehicle for a lot more than what it was worth and covered up that the vehicle had been an accident. The dealership told us there's nothing they could do about it. We spoke to the dealership manager and asked if he would've sold the vehicle for a lot less knowing that it had been an accident, his answer was yes. He blamed it on XXXX and then he proceeded to dismiss us by mention that vehicle might off or might not had an accident but the car in fact had a sever accident in XXXX in Michigan, there's police report, on record of this 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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
N accordance with the fair credit reporting act XXXX  accounts has violated my rights 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  15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Setion 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am currently XXXX XXXX and requested SCRA benefits through Navy FCU and have not received them. I've had my Navy FCU credit card since XX/XX/XXXX and I received my 2nd call to XXXX XXXX in XX/XX/XXXX. I faxed Navy FCU the Request for SCRA Benefits on XX/XX/XXXX. When I called a month later to check on the status they said they had a six month long backlog. During the past few years, as a healthcare provider, I have been working on the frontlines of the COVID pandemic. During this time, instead of Navy FCU decreasing my interest rate to the maximum of 6 %, my rate increased from 10.99 % to 15.74 %. This practice is not compliant with the SCRA law and so I am submitting this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below mentioned accounts all have numerous discrepancies across various reporting credit bureaus AND VIOLATED MY RIGHTS : XXXX XXXX ( Installment ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXXXXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXX XXXX ( Revolving ) - XXXX  ( no number ) - Inaccurate dates XXXX XXXX XXXXXXXX ( Revolving ) - XXXX ( no number ) - Inaccurate dates My rights were violated based upon : 15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have contacted all 3 reporting agencies that I did not provide written consent and need them above removed immediately. I would ask the CFPB to enforce the removal directly should they not in a timely manner.

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 2023-05-15 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below mentioned accounts all have numerous discrepancies across various reporting credit bureaus AND VIOLATED MY RIGHTS : XXXX XXXX ( Installment ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXX  ( Revolving ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXXXXXX XXXX ( Revolving ) - XXXX  ( no number ) - Inaccurate dates XXXX XXXX XXXXXXXX ( Revolving ) - XXXX  ( no number ) - Inaccurate dates My rights were violated based upon : 15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have contacted all 3 reporting agencies that I did not provide written consent and need them above removed immediately. I would ask the CFPB to enforce the removal directly should they not in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below mentioned accounts all have numerous discrepancies across various reporting credit bureaus AND VIOLATED MY RIGHTS : XXXX XXXX ( Installment ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXXXXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXXXXXX XXXX ( Revolving ) - XXXX ( no number ) - Inaccurate dates XXXX XXXX XXXXXXXX ( Revolving ) - XXXX ( no number ) - Inaccurate dates My rights were violated based upon : 15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have contacted all 3 reporting agencies that I did not provide written consent and need them above removed immediately. I would ask the CFPB to enforce the removal directly should they not in a timely manner.

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 2023-05-17 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I learned that someone had attempted to apply for credit with Elan Financial on XX/XX/. I called Elan Financial and they told me Fulton Bank has funding through Elan Financial. I spoke to XXXX at Fulton Bank. He stated the fraudster presented what looked like a legitimate drivers license. 

I, along with my representative from XXXX XXXX XXXX ( XXXX ) called Fulton Bank at XXXX and spoke to XXXX about the inquiry on XX/XX/. They have an investigation about the application that was put in on the 9th and they pulled the credit report again on the 12th to decline it. They flagged the account for fraud. A bank account was opened also that is now closed. The investigator at Elan Financial is XXXX XXXX at number XXXX. I was told XXXX XXXX would contact me. I have never heard from him. 

Around XX/XX/ I received two alerts from XXXX XXXX XXXX that a new account was showing on my XXXX and XXXX credit reports for Elan Financial. My XXXX rep and I contacted Elan Financial and spoke to XXXX. We found out an another account had been opened with a {$20000.00} credit limit and NOT CREDIT CHECK BEING RUN. 

THIS IS UNACCEPTABLE!!! I did my due diligence to make sure this account was NOT opened by putting a freeze on my credit through all 3 bureau 's, and yet Elan Financial opened it anyway. 

CONTACT INFO : Fulton Bank XXXX XXXX ) XXXX Elan Financial ( XXXX XXXX - Fraud Investigator ) 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 2023-05-15 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:
I am writing to file a formal complaint against Trans Union regarding their failure to remove false information from my credit report. As a concerned consumer, I believe that Trans Union has violated my rights by inaccurately reporting information that has negatively impacted my financial standing. 

I first discovered the false information on [ date ] when I obtained a copy of my credit report. To my surprise, Trans Union had included [ specific details of false information, such as inaccurate account balances or unauthorized accounts ]. These errors have tarnished my creditworthiness, causing significant distress and hindering my ability to secure favorable financial opportunities. 

I promptly took action by disputing the incorrect information with Trans Union, providing all the necessary supporting documentation to prove the inaccuracies. However, despite my repeated attempts, Trans Union has failed to take any corrective measures or provide a satisfactory resolution. Their lack of response and inaction have not only prolonged the damage caused but have also left me feeling helpless and frustrated. 

It is disheartening to realize that a credit reporting agency like Trans Union, which holds significant responsibility in safeguarding consumers ' creditworthiness, has neglected its duty to ensure accurate reporting. The false information has affected my ability to obtain loans, credit cards, and even housing opportunities. I firmly believe that Trans Union 's negligence and failure to rectify this situation are in violation of the Fair Credit Reporting Act ( FCRA ) and the rights bestowed upon me as a consumer. 

I kindly request that the XXXX XXXX XXXX  intervene and facilitate a resolution to this matter. I am seeking immediate action from Trans Union to remove the false information from my credit report, as well as an apology for the inconvenience caused and compensation for the damages endured. 

Enclosed with this complaint, please find copies of all relevant documents, including correspondence with Trans Union, credit report discrepancies, and any additional evidence that supports my claim. I trust that the XXXX will thoroughly investigate this matter and work diligently to ensure a fair resolution. 

I appreciate your attention to this urgent matter and look forward to a prompt response. Please feel free to contact me if you require any further information or clarification.

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 2023-05-15 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-15 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.

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 non-monetary relief
Consumer complaint received 2023-05-15 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: TX

Complaint narrative:
I am requesting that the account XXXX XXXX XXXX XXXX is removed from my credit report due to unverifiable information. I sent a letter to the creditor and submitted a complaint through CFPB and this account has yet to be verified. This account was to be removed while an investigation was conducted but it was never removed. Now it has been 2 months since my initial dispute and this account still has not been verified so how are the 3 credit reporting agencies reporting this account as accurate? The complaint number for the dispute that was sent in XXXX through CFPB is XXXX. I have tried to dispute it directly with the company, to no avail. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Thank you for your immediate attention to this matter.

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 2023-05-15 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 explanation
Consumer complaint received 2023-05-15 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital appeared as on my reports today. XXXX XXXX was reported back in 2021 as a Fraud account and removed from my credit reports. Today Jefferson Capital placed a collection on my reports which lowered my score XXXX points. I owe no collections and my reports are perfect. This account is Fraudulent as reported in 2021. Jefferson Capital has 5 days to remove this from my credit bureau reports or I will file civil action for collecting a debit not owed and that has been previously reported as fraudulent. 

It is a Violation of Fair Debt collection practice act to collect on a debt that has been previously reported as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
They are reporting the account as open when the account is closed. And I asked them to provide proof of validation of the account that shows a legal binding contract with me and the creditor I wasnt provide anything. But the account was deleted off my XXXX, and XXXX credit report but not my XXXX report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: World Acceptance Corporation
State: MO

Complaint narrative:
World Finance Is Reporting Duplicate Acct on My XXXX report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : World Acceptance Corporation of XXXX ( World ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from Worlds Branch XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, World sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX  XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX Missouri, Petition # : XXXX with a date of file being XX/XX/XXXX. World can find no evidence that XXXX XXXX was under bankruptcy protection during the time World owned his account. Unfortunately, World can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, World Acceptance Corporation XXXX Department ATTACHMENTS XXXXXXXX XXXX XXXX  XXXX ( XXXX XXXX  )

Company response to consumer: Closed with explanation