vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is illegally opening and closing an auto and reporting inaccurate information to the credit bureau. I've file several complaints regarding the improper use of my credit report and also a violation of the law. 

On XX/XX/XXXX, I pulled my credit report to see that XXXX XXXX is still violating my consumer rights by reporting inaccurate information regarding litigation of an auto loan that was open in XXXX of XXXX ( Account Number : XXXX ), XXXX XXXX is illegally opening and closing the auto loan and reporting false information to XXXX, Equifax, and XXXX for a charge off account. Santander consumer is reporting a balance of XXXX and a higher balance of XXXX, XXXX, the last activity on the report is also inaccurate along with the payment history. XXXX XXXX is continuing their deceptive and predatory lending practices even after being fined. 

XXXX XXXX is believed to be in violation of the following : inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent failed to promptly update and correct information furnished to CRAs that Respondent determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts in violation of 623 ( a ) ( 5 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 5 ) ; and ( 4 ) Respondent failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Order ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
XXXX XXXX is illegally opening and closing an auto and reporting inaccurate information to the credit bureau. I've file several complaints regarding the improper use of my credit report and also a violation of the law. 

On XX/XX/XXXX, I pulled my credit report to see that XXXX XXXX is still violating my consumer rights by reporting inaccurate information regarding litigation of an auto loan that was open in XXXX of XXXX ( Account Number : XXXX ), XXXX XXXX is illegally opening and closing the auto loan and reporting false information to XXXX, XXXX, and Experian for a charge off account. Santander consumer is reporting a balance of XXXX and a higher balance of XXXX, XXXX, the last activity on the report is also inaccurate along with the payment history. XXXX XXXX is continuing their deceptive and predatory lending practices even after being fined. 

XXXX XXXX is believed to be in violation of the following : inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent failed to promptly update and correct information furnished to CRAs that Respondent determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts in violation of 623 ( a ) ( 5 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 5 ) ; and ( 4 ) Respondent failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Order ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED AUTO ACCEPTANCE
State: NC

Complaint narrative:
I got this car from XXXX XXXX, on XX/XX/XXXX I put XXXX down on the vehicle, I was charged XXXX for a XXXX XXXX XXXX. I've gotten it down to XXXX and some change. I am being over charge for this vehicle. I pulled up the XXXX XXXX XXXX and my car which is the XXXX XXXXXXXX XXXX is only worth XXXX dollars. I've been Robbed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One is currently in default ( see attachment for the notarized Affidavit of Default/Final Judgement/ Res Judicata dated XX/XX/2023 ) for violation of Capital One Cardholder Agreement and for violation of multiple Uniform Commercial Codes as well as the law. 
Capital One continues causing injury to me, the living woman, and the customer of Capital One by refusing to remove the outdated information from the credit score reporting agencies that they have NOT received my written consent to share such information in the first place. 
Moreover, information that Capital One keeps reporting to the agencies is not valid, nor do they have any right to report something they are in default for. If this illegal and unlawful activity continues then I will have no other choice but to report this criminal activity and to request remedy using my " Fee Schedule - Notice of Intent '' that I previously provided to Capital One and personally to XXXX XXXX, XXXX XXXX XXXXXXXX at Capital One Corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc

Complaint narrative:
My mother received a debt collection letter ( in my name ) from Lien Enforcement Inc. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. Amount owed : {$2800.00}. The letter was about some service received from XXXX XXXX XXXX with account number : XXXX. That was all information included in this letter. 
Unfortunately, I can not dial XXXX number from XXXX, where I'm currently located from XXXX of 2022, helping XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have no idea what service are they talking about, never heard about XXXX XXXX XXXX What obvious though, that I couldn't possibly receive any XXXX XXXX in the XXXX because I've been in XXXX for all this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have multiple inquiries that I have not authorized, I have an account showing missed payments when I paid as agreed, and an account that have incorrect information such as last payment balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
My mortgage was bought and sold three times. I ended up at Truist which for some reason made making a mortgage payment nearly impossible. Truist is saying they have no record of receiving the form to reestablish the draft. That's exactly what I have been saying over and over ion my complaints. Truist FINALLY admitted they did not process payments. ON TOP of this my XXXX was XXXX  of XXXX and Truist is running ads they care on the XXXX XXXX. Truist did not process payments and ALSO reported information to each credit bureau differently. I am really upset. 

Truist did not proceed payments and then ALSO reports the information inaccurately to the bureaus BUT says it's not the banks problem. 

The complaints I have filed get reviewed. Truist writes something erroneous on here and the complaint is closed. 

Truist finally admitted " We have no record of receiving the form to reestablish the draft. '' That's what I have been complaining about. The information reported to the bureaus is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Self Financial Inc.
State: MA

Complaint narrative:
Bankruptcy XXXX XXXX was filed on XX/XX/XXXX. Self, Inc was listed as a creditor and notice was sent. After a few days and no changes made to credit bureaus, I reached out to ask about the situation. I received an email on XXXX with a case number and letting me know that I would get a follow up " within 5 business days ''. After more than 2 weeks had past I called again to inquire. I had to explain everything over again and provided them with bankruptcy paperwork. Self closed my account on XXXX at consumer request instead of included in bankruptcy. That caused the deposit I had given them to be applied to the account balance instead of returning to bankruptcy trustee. I noticed that I still have access to the account online- now I see that I have been accruing fees, interest and Self , Inc has in asked for me to pay the remaining balance after the deposit to close/clear the balance. I have a total of 3 cases with Self. I have asked for a call back from supervisor many times. I have a missed call on XXXX. I got an email saying they had tried calling and that if I still needed help to reply to the email. I did and it was a non-reply email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Holding Company, Inc.
State: SD

Complaint narrative:
So the picture below will show that avant tried to collect on the account after they had closed the account and written it off. Also after I sent them a cease and desist letter they they sold it to the new creditor. How can they collect on a closed account that they sold isnt that fraudulent for double collecting especially an account they no longer own. So the avant account was closed XXXX of XXXX and they tried to collect payment on XX/XX/2022. They sold it XXXX XXXX years after the account was closed. After I had sent them a cease and desist letter on XX/XX/2022. Not only that but the origial loan was for XXXX dollars and I am trying to be collected for almost XXXX that is completely incorrect. The original owner of the account did not honor their warranty either on this mattress that I had purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/2023 I filed a claim with U.S. Bank to report a fraudulent transaction on my checking account. The fraudulent transaction was for {$3300.00}. 

On XX/XX/2023, instead of reversing the fraudulent charge, I discovered that U.S. Bank accidentally reversed a paycheck deposit from my employer for {$3400.00}. After speaking with U.S. Bank on XX/XX/2023, they realized they must have mixed the transactions up. 

Because of these 2 issues, I am currently missing {$6800.00} from my account, and have almost nothing in my 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 explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights. they have reported false information on my credit report and after multiple attempts to have it removed, they refuse to update it to current. 

15 U.S.C 1681 section 602 A. States that I have rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written 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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or else wise indubitable in or of its validity unequivocally as disclosed, as indicated!

I have been looking over my Credit file and discovered several inaccurate accounts from on credit profile. I have requested validation from the accounts listed below 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified : 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 2023-08-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: PA

Complaint narrative:
XXXX XXXX told me l was pre approved for cards or loans and when l applied for them l was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my 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 non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
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.

has violated my rights. Or 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 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 2023-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: VA

Complaint narrative:
From the day I got this account I told the employees that they can not call me at work. I have repeated that every time theyve verified my information such as during refinancing the loan. XXXX still getting calls at my workplace-this interferes with my job and could cost me my job!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
I was hurt at work and had to go to the emergency room on XX/XX/XXXX. I was told they would not take my insurance information because it was a work related incident. My employer spoke with the hospital in person and I was told everything was taken care of and not to worry about the finances by hospital personnel and my employer. I was never made aware that I would ever be financially responsible for the bill. I did not even know I owed money until collection calls began coming in. I spoke to the Aargon representative and told them my situation and they refused to help me and just demaded payment immediately. XXXX refused to remove the debt from my name after speaking with their billing department. On XX/XX/XXXX my employer began making payments directly XXXX, still XXXX refused to take the debt out of my name, but I was assured on the phone it would be removed from collections. Months later I was still receiving mail from the debt collector Aargon Agency showing my balance decreasing, but XXXX assured me several times over the phone that my bill was no longer in collections. As of XX/XX/XXXX the bill has been fully paid off by my employer but I still show a collection on my credit report from Aargon 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