vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Loan and Security Agreements and Disclosure Statement signed on XX/XX/XXXX between XXXX XXXX XXXX and SCHOOLSFIRST FEDERAL CREDIT UNION has had a billing error on my account since the opening of it. ( 12 C.F.R 1026.13 ( b ) ). As stated under the TRUTH IN LENDING DISCLOSURE : Amount Financed The amount of credit Provided to You or on Your Behalf. 
{$26000.00} Evidencing a consumer credit transaction as my social security card number was ran in which is where the amount of credit of {$26000.00} was provided on my behalf for the payment in full on credit. Further proof is under section 13 of the SECURITY AGREEMENT that states : NOTICE : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLIAMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALLE NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

In accordance with 16 C.F.R. 433.2 as the notice above is only used with any connection with any sale or lease of goods or services to consumers. As well as under 14 it states : You promise to use Your account for consumer ( personal, family, or household ) purposes, unless the Credit Union gives You permission to use the account for agricultural or commercial purposes, including, but not limited to, use of the Property in partnership with a transportation network company, or to purchase real estate. In which the Credit Union and I both agreed this use of property was only for consumer purposes only.

Under ITEMIZATION OF THE AMOUNT FINANCED it clearly states : Itemization of Amount Financed of {$26000.00} Amount Given to You Directly {$26000.00} Making it clear the amount I promised to pay the car of {$26000.00} was fulfilled when signing and transferring the Loan and Security Agreements and Disclosure Statement back to SCHOOLSFIRST FEDERAL CREDIT UNION for my property, XXXX XXXX XXXX with I.D . Number : XXXX. In which should of never lead to me paying FISTSCHOOLS FEDERAL UNION monthly as my property was paid for on credit and no cash transactions can/should be taking place when a consumer credit transaction took place in the first place. Attached is the letter sent in which got delivered XXXX at XXXX in which has not got any response back from!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: U.S. BANCORP
State: MD

Complaint narrative:
I have looked at the inquires for XXXX and noticed some discrepancies. Starting with one named XXXXXXXX XXXX inquiring about finance other than personal on XX/XX/2022. 
Also have a couple miscellaneous inquires from XXXX XXXX  on XX/XX/2022 that i have no clue what for. And another from US Bank that falsely ran my credit. I have also called them and they state there is nothing they can do.

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 2023-06-01 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: CBC Companies, Inc.
State: MD

Complaint narrative:
I have looked at the inquires for XXXX and noticed some discrepancies. Starting with one named XXXX XXXX inquiring about finance other than personal on XX/XX/2022. 
Also have a couple miscellaneous inquires from Factual data on XX/XX/2022 that i have no clue what for. And another from XXXX XXXX  that falsely ran my credit. I have also called them and they state there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
This company needs to learn to decline transactions as a customer for 15 years they are about to lose. they hit me with 4 overdraft fees. 2 of them over a {$10.00} transaction and a {$5.00} transaction. They have declined me for every credit product since the account was opened. I've reached a breaking point with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01 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: CA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-06-01 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act " XXXX XXXX '' with account number # XXXX, and " XXXX XXXX XXXX' with account number # XXXX, and " XXXX XXXX '' with account number # XXXX 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

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 2023-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
For the past 6 months or more, I have been receiving incessant phone calls from what claims to be verified numbers from a debt collector known as Portfolio Recovery. They have called from nearly 50 different phone numbers with area codes from multiple states so blocking the calls doesn't really do anything. I will attach as many screenshots as I have the patience for ( there are currently 47 ) of all these phone numbers just to prove how excessively and relentlessly I have been spammed with these calls. I just got married and changed my last name in XXXX 2022 and that is pretty much when all of this nonsense started. I have no outstanding debt whatsoever, beyond monthly credit card usage that I pay off within a month 's time frame. If I had actually had any debt that would merit calls from debt collectors, I am pretty sure it would be negatively impacting my credit score. But I have credit score monitoring from a couple different companies which I check on a monthly basis and my score hasn't been below 750 in years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the abuse of a XXXX individual as documented in APS reports.

I have had to flee 1200 miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 

Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXX/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is the second complaint I have been forced to file against TU but after continued attempts and repeated ignoring of this serious issue I feel it is necessary to file a stand-alone dispute regarding their mishandling of ADA regulations and the abuse of XXXX individuals. 

I have been attempting for over two months to submit documents to TU. The agency has blocked my online dispute center. 

When given this information instead of fixing the issue, they say said to fax or US mail the documents in. There is little doubt this is solely to make the process more difficult for me and to discourage me from opening more disputes as I am rightfully able to do - especially since I am the documented victim of XXXX and financial fraud.

Over the past two days this has continued, both on the phone and in the chat portal.

I am transferred repeatedly on the phone until " dropped '' and the chat simply states they are waiting to transfer me and leaves me sitting online with no response. 

I have informed the company not only am I legally XXXX, but I am the XXXX XXXX XXXX XXXX XXXX. I am fleeing a XXXX  XXXX situation and have had to relocate XXXX miles on a very limited XXXX income. The agencies actions and refusal to block information or take documents is jeopardizing our well being and ability to obtain housing. 

I made an official ADA request to submit the documents online on multiple occasions. I was told the agency " does not have an ADA department or who handles these issues '' and I would have to use the online portal- which they know is blocked totally and has been restricted for over two months.

The agency is aware I can not mail or fax the document, and according to yesterday 's chat the fax option has been removed and the ONLY manner to submit now is US mail or the portal. 

Thus, I am unable to address this issue as a XXXX XXXX. 

I was promised a call back on numerous occasions, and have asked a XXXX department ( which they claim to not have ) return my call for over two months.

NO ONE has called back to date.

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 2023-06-01 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-01 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-01 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: OK

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This is the Forth time I have had to deal with this debt collection company over medical bills. This company refuses to send me a written account of anything I May owe, so I could check with XXXX and verify correctly. Every time I call and remind them of this being against debt collection customer laws etc, all I get is Attitude from reps with no intent of fixing anything. I am thru trying to work with them, and as of this very moment my credit score has dropped XXXX point over accounts I were not even aware of. I was a XXXX patient at the XXXX XXXXXXXX, and was paying my deductibles and co-pays along the way working with my part C XXXX provider to keep account of bills I might owe, so this is totally against rules. I have not seen ANY bill statements from this debt collector as of today, and as far as I know all bills could be less than XXXX bucks and therefore not qualify for reporting per New Reporting laws this year! I have already submitted complaint # XXXX 2 weeks ago, and these Fools have struck again.All without sending me any statements at all ... .this time they send 6 total negative unlawful accounts to my credit report and decreased my credit score.These persons has some kind of ISSUES for sure ... ... and needs to be put in their place

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the abuse of a XXXX individual as documented in APS reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 

Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXXunder duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One alerted me by text and email on XXXX XX/XX/XXXX of new checking account and permission to use my cell number. Separately, I emailed Capital One 's abuse reporting address to report fraud and received no response. 
On XXXX XX/XX/XXXX I received a debit card by mail. I called Capital One to report fraud and was told the account would be closed and an investigation started. On that and several follow-up phone calls I was told that a " victim letter '' would be sent to me to document the incident. 
Weeks later I received an account statement showing the account was closed XXXX XX/XX/XXXX. 
I would like to have the promised " victim letter '' and information on how this fraud was perpetrated. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I already dispute with TRANSUNION bureu some wrong information wich is reported on my records, i let then know my concern because is affecting me so much. They just response with a generic letter saying im working with a third party, wich is not true and however i got the right to use someone else if i need help, but in this case is not the situation, i saw my rights on internet and this is why disputed this wrong information, but the bureu is not doing the homework. Another thing is there is a collection account in the credit report but i sent a letter to the supose creditor asking for a validation of the debt and they response saying that the account number is not belong to me, it means the credit bureu is not focus on report my information well

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 2023-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
On XX/XX/ I received an alert in regard to my credit report stating that there was a new collections added to my report by Amsher Collection Services. However, Amsher has failed to notify me of this alleged debt with information that refers to this debt that they are trying to collect on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-01 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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