vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I keep receiving emails from Halsted Financial services stating I own money from a XXXX XXXX XXXX account. I never had a XXXX XXXX XXXX account and I checked my credit report and XXXX XXXX is not listed on any of my reports. This company is a scam. If you XXXX them and look at the XXXX, you will see this is happening to other people as well. I can only imagine how many people they scammed into paying something they don't own. Hopefully you will look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have an over limit fee of {$40.00}. I didnt agree to this and they should have just declined my card. They are telling me that this is in the credit card agreement when I got the card but I didnt sign up for this fee. I dont allow any credit card to pass the limit and have a declined transaction instead if I go past the limit. I also pay on time. I called the US Bank customer service on XX/XX/XXXX and she said that she cant waive the fee. I also asked if she can provide a courtesy and have me talk to a manager but she is saying that no one is available and she cant take an escalation and no one is higher than her.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-23 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: CREDIT ACCEPTANCE CORPORATION
State: SC

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 ACOUNT NAME XXXX XXXX XXXX Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U S Department of Education 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 2024-04-23 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: Velocity Portfolio Group
State: SC

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 ACOUNT NAME CKS Prime Investment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  U S Department of Education 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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for 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 2024-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Davis and Goldmark, Inc.
State: NM

Complaint narrative:
I had requested an itemized statement from XXXX XXXX, they had sent me a bill for {$7000.00} with no explanation of the charges, so I wrote them a letter. Today I received a letter met to appear to be a law firm, Davis & Goldmark , Inc. XXXX California XXXX we are sending this notice as a reminder that your account remains unpaid '' I still have not seen a statement from XXXX explaining the details for the charge. I was in the care of this facility at a time that my deductible and out of pocket expenses had already been met so the charge needs to be specific. This facility and the collection company they have hired need to identify what I'm being charged for.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S, C 1681section 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 non-monetary relief
Consumer complaint received 2024-04-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S, C 1681section 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling 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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
On XX/XX/XXXX I recieved my statement from Venmo and found several errors and I dont usually use my physical debit card so I had no idea it was gone. I contacted each merchant and asked for the transaction details and they all said I had to go through my bank for the information and they couldnt process a refund. I started the dispute claim process with Venmo and sent the supporting documentation and within 8 hours the claims were all denied. Theres no way they did a proper investigation or procedure on this. It took me that long to simply call the merchants and ask one question. Let alone get supporting documentation. I reached out to Venmo again and asked for appeal of the dispute and or documentation from its investigation and I have been ignored and flat not gotten an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: RI

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Bright Lending regarding a loan agreement I entered into on [ XX/XX/2024 ] for $ [ XXXX ]. I believe this loan violates federal and/or state consumer financial protection laws due to usurious interest rates and potentially deceptive practices. 

Loan Details : Loan Provider : Bright Lending Loan Agreement Date : [ XX/XX/2024 ] Loan Amount : $ [ XXXX ] Interest Rate : [ 699.9620 % ] Loan Term : [ 43 weeks ] Reason for Complaint : I believe the interest rate on this loan is usurious and exceeds the legal limit allowed in the state of Rhode Island, where I reside. Additionally, I have reason to believe Bright Lending may not be a legitimate tribal lender and may be attempting to exploit a loophole in XXXX  immunity laws.

Supporting Evidence : The attached loan agreement and the MN Attourney General is investigating them for usurious practices in the state here XXXX XXXX XXXX XXXXXXXX I request the CFPB to investigate Bright Lending 's practices and determine if the loan terms violate federal or state consumer protection laws. I would like the CFPB to help me achieve a fair resolution, which could include : A reduction in the interest rate to comply with Rhode Island usury laws. 
Cancellation of the loan if Bright Lending is found to violate the law. 
Thank you for your time and attention to this matter. I look forward to your response and any assistance you can provide. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I consistently make on-time payments, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be rectified, or they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-23 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: EQUIFAX, INC.
State: GA

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. XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX  : # 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 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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: MO

Complaint narrative:
I am submiting a formal complaint against LexisNexis XXXX XXXX XXXX XXXX because they have not provided my requested consumer file they hold about my personal data, despite initially providing a URL and password that do not allow access. 

On XX/XX/2024, I submitted a request to LexisNexis XXXX XXXX XXXX by certified mail requesting my consumer information they have on file for me. On XX/XX/2024 this request was received by certified mail. In response, I received a URL and a password from LexisNexis XXXX XXXX XXXX by mail purportedly granting access to my information. However, upon attempting to use the provided credentials, I discovered that the information didnt work, preventing me from accessing the requested information. 

Furthermore, despite my efforts of contacting LexisNexis XXXX XXXX XXXX to resolve this issue of requesting my consumer report and being told my consumer report would arrive within 7-10 days, I have not received any response from them. This lack of communication and failure to provide a working solution has left me unable to obtain the consumer information to which I am entitled under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding unresolved disputes with Experian concerning inaccuracies on my credit report, specifically related to XXXX XXXX Account Number : XXXX. Despite filing a dispute with Experian over 30 days ago, I have not received any response or resolution regarding this matter. 

I demand immediate escalation of this investigation to ensure a prompt and satisfactory resolution. It is deeply concerning that Experian has failed to adhere to the mandated timeframe for resolving disputes, as outlined in the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I am troubled by the inconsistencies in reporting by CITICARDS across different credit bureaus. While XXXX reflects no late payments, XXXX and Experian both indicate one 30-day late payment. I insist on receiving documented proof of any late payments before they are verified as such, in accordance with the FCRA. 

This is not the first time I have disputed this matter. Despite multiple attempts to rectify these inaccuracies, they persist. Additionally, CITICARDS has provided three different last activity dates across the credit bureaus, further undermining the reliability of their reporting. 

I demand documented proof of the late payment reported for XX/XX/2022, and the immediate removal of this erroneous account from my credit report. These discrepancies not only violate the FCRA but also have significant implications for my creditworthiness and financial standing. 

I urge the Consumer Financial Protection Bureau to intervene and facilitate the resolution of this matter urgently. Your intervention is crucial in ensuring that Experian and XXXX comply with their obligations under the FCRA and that my rights as a consumer are upheld. 

Attached is proof my identity, proof of the inaccuracies that have been reported to my account and proof of one of the original disputes I filed over 30 days ago. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of this inaccurate information from my credit report. Sincerely,

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 2024-04-23 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Im trying to buy a house an I have a lot of hard inquiries from auto finance companies that I did not authorize.. could you please remove these inquiries. Thank you

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 2024-04-23 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. 
I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
There are unauthorized charges on my consumer report that was without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CCF Intermediate Holdings LLC
State: LA

Complaint narrative:
On XXXX Speedy Cash reported a Collection/Charge off onto my consumer report as well as a balance of {$400.00}. I requested that the company provide the original agreement but I have yet to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have these fraudulent inquiries affecting my score to which I never had any associated nor was ever aware of. I have disputed these fraudulent inquires before but was ignored.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
few accounts are reporting inaccurate information, also multiple fraudulent inquiries.

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 2024-04-23 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: CL Holdings LLC
State: LA

Complaint narrative:
On XXXX Jefferson Capital Systems reported an account with a Charge off/Collections status onto my consumer report as well as a remaining balance of XXXX, I requested that the company provide the original agreement and I have yet to receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Somebody use my personal information for request a loan and a credit card in XXXX XXXX XXXX XXXX XXXX. the loan did't was proceed but the credit card he took {$4000.00} in the bank. I saw this information because credit karma and the three credit agency ( XXXX, experian, XXXX ) notify me in a email of the situation. I make a dispute with all agency of credit and all bank with this problem in XXXX that problem start in XX/XX/2024 in the state of florida and i live in XXXX XXXX all my life never in 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