vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am writing to file a complaint against Credit Collection Services regarding their violations of the Fair Debt Collection Practices Act ( FDCPA ). The collection agency in question has added a debt to my credit history without any agreement or written authorization from me. 

Despite my request that they return the alleged debt to the original creditor, the collection agency has continued to pursue collection activities against me, which I believe is a violation of my rights under the FDCPA. I have also requested debt validation, as is my right under the FDCPA, but the agency has not provided me with any proof that I owe this debt. 
I believe that this collection agency has violated several provisions of the FDCPA, including but not limited to : 1. 15 U.S.C. 1692e ( 2 ) ( A ) - falsely representing the character, amount, or legal status of the debt 2. 15 U.S.C. 1692e ( 5 ) - threatening to take any action that can not legally be taken or that is not intended to be taken 3. 15 U.S.C. 1692e ( 10 ) - using false representations or deceptive means to collect or attempt to collect any debt 4. 15 U.S.C. 1692f ( 1 ) - using unfair or unconscionable means to collect or attempt to collect any debt I am requesting that the CFPB investigate this collection agency for their violations of the FDCPA and take appropriate action to ensure that they cease all collection activities related to this debt and that they correct any negative reporting on my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I opted to share this situation because its important that the community knows how bad greed has permeated at this financial institution. First Hawaiian Bank is literally taking money from me each month, and I have tried a number of times to stop it. Unfortunately, I have my life insurance tied to the account ; therefore, I can not close it. Its not hard to imagine a group of banking executives at First Hawaiian Bank scheming about increasing profits setting up fees, rules and policies to game the system. In essence, my bank is charging me an online fee for no reason. I have tried to rectify the situation and they tell me that it is my fault ; I must have clicked on something on their website to trigger a charge. I called to stop the monthly leakage in my budget after being on hold for hours ( it has been several calls over the last few months, this fee re-emerges ). It has been over a year, and I have tried a number of times even talking to the bank manager after several calls to the service center and online inquiries. I believe that the bank has gamed the system with rules that they make up to basically funnel more money to their coffers. First Hawaiian Bank should be ashamed. If you look into this policy and their explanation of it, it is a circular argument intended to take advantage of the situation. PLEASE PLEASE LOOK INTO IT. For any consumer thinking about doing business with First Hawaiian Bank, please know that once youre in, they will take advantage of you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Cant log in cant get through phone system. Tried XXXX they put a freeze on my report when it s there system not working

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 2023-05-10 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: Kriya Capital, LLC
State: CA

Complaint narrative:
On XXXX2923, Credence resources added a derogatory mark on my credit report. Per My XXXX. 
Upon further research, this account was transferred, sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say its mine. According to the FCRA credence resources has violated my rights as a consumer. And Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I do not have any accounts, personal or business with bank of america but there is a hard pull on my credit from XX/XX/2022 that I would like to get removed from my credit report please.

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 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AXOS FINANCIAL, INC.
State: HI

Complaint narrative:
Purchased a prepaid XXXX XXXX card in XX/XX/22 for {$500.00}. Card would not work filed complaint to XXXX received reply that card issued by Axos Bank and would have to contact Axos. Contacted Axos explained issue and requested refund, Axos sent a new blank/empty XXXX XXXX card without refund loaded. Request your assistance in getting refund that is overdue for 6 months. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: OH

Complaint narrative:
I sent a dispute on XXXX and XX/XX/2023. I wrote them because I discovered after I obtained a copy of my Experian credit report that they are reporting inaccurate, unverified, and also incomplete information in reference to my personal information and also 2 XXXX XXXX XXXX XXXX  XXXX Aand # XXXX. Experian has claimed that the information was verified and meets FCRA requirements but has not provided me with proof that the investigation they completed was Fair, Impartial, and Reasonable and that they did not solely rely on information from the Furnisher because that is a violation of the FCRA 15 U.S. Code 1681i. I have asked for the procedure used to verify these accounts and Experian has failed to do so. Experian is also reporting an inaccurate and mathematically impossible payment history of this account. I was never late on these accounts and the information that Experian is willingly and negligently reporting on my credit report has not only damaged my reputation but has damaged my creditworthiness and my ability to access credit resources as I support my way through college.

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 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
To Whom it may Concern, I am writing to bring to your attention an urgent matter and to express my deep concern about the recent freezing of my bank account I opened last XXXX with Chase Bank. On XX/XX/XXXX my bank account was frozen for Unknown reason, on XX/XX/XXXX I went to chase bank located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX and spoke to the Manager and called the XXXX Number unfortunately, they couldnt explain to me why the account was frozen. I was told to wait until I received an explanation letter from the Bank. Now its been almost XXXX days and I didnt receive any explanation letter. This action has caused significant financial hardship for my business and for me and my family, and I would like your intervention to ensure that my rights are protected. 
I have always been a law-abiding citizen and have never been involved in any illegal or criminal activities. However, my bank account was frozen without any warning or explanation, leaving me unable to access my funds or pay my bills. This has caused significant stress and anxiety, and I am deeply worried about the impact this will have on my financial stability and well-being. 
I understand that there may have been a legal reason for my account to be frozen, but I believe that this action was taken without due process and without adequate communication. I have not been given a clear explanation of why my account was frozen, nor have I been given an opportunity to contest the decision. 
It is unacceptable for innocent individuals to be subject to unjustified freezes of their bank accounts without any explanation or justification. 
Enclosed a statement from chase showing my bank information and the balance which I cant have access to it. 
I would appreciate your assistance in resolving this matter as soon as possible. Thank you for your attention to this important issue, and I look forward to hearing from you soon. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX XXXX XXXX I made my mortgage payment 29 days late. Payment is due on the 1st of the month, I paid it on the XXXX of the month. Now, the lender is showing me as 30 days delinquent on my credit reports for my XX/XX/2020 payment status. 
The payment due was {$340.00}, and I made a payment of {$350.00}. 
The FCRA is clear on this matter : payments must be applied on the date received, not on the date posted. 
Therefore, the lender is in clear violation of the CFPB. 
I have disputed this issue with the lender previously. They refuse to update and remove the delinquent payment reporting. I have also disputed this with the credit bureaus, they say that they can not change the reporting unless the lender changes the status and updates them. 
NOTE : The lender at the time of the matter in dispute was XXXX XXXX Sometime after this incident, XXXX XXXX  bought out XXXX XXXX Sometime after that, XXXX XXXX  bought XXXX XXXX XXXXXXXX XXXX is the current lender who refuses to change the incorrect status of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: HI

Complaint narrative:
I sent Tranunions Certified Letters showing proof my XXXX payments was NEVER Late

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 2023-05-10 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
Upon reviewing United auto credit co response to my complaint I noticed United auto credit co statements were in violations with the FCRA. United auto credit costated stated that United auto credit co must provide complete and accurate information to the CRA. As XXXX XXXX XXXX reviewed my consumer report I underlined multiple unacurate and incomplete information provided by the United auto credit co to the consumer reporting agencies. I have attached a copy of my consumer report to this complaint as proof. Also United auto credit co failed to provide me XXXX XXXX the consumer documentation stating that I XXXX XXXX authorized United auto credit co to report transactions to the credit reporting agencies. United auto credit co stated that I XXXX XXXX requested to report a ( {$0.00} ) XXXX balance to the consumer reporting agencies that also is false.XXXX XXXX XXXX will NEVER tell any creditor to lie and or go against any FCRA guidelinesXXXX XXXX XXXX requested United auto credit co to DELETE all unacurate, incomplete and unauthorized transaction from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: IL

Complaint narrative:
XXXX XXXX. Amount for XXXX. Date of indentity theft XX/XX/2022. I was told over the phone that it would be taken care of but just received a call saying opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MD

Complaint narrative:
I do not recognize this debt. You have no right to put this false information on my credit report as a collection. I want it to be disputed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: GA

Complaint narrative:
My problem is with the credit reporting agency Experian. Experion is not including any of the credit I have on my credit report. This has negatively impacted my credit score. I have contacted creditors to ensure that they are reporting to Experian. My mortgage company sent a letter stating they have been reporting to Experian. The mortgage company stated in the letter that they contacted Experian to ensure the information was being received. Experion stated they had received the information, but they had an identity verification concern, and I would need to contact them. 

I attempted to contact Experian to resolve this issue. However, all I got was an automated telephone menu. There is not option for the issue I am having. There is no option for the general public to actually talk to someone in an effort to resolve issues. I feel this is intentional, and an unfair practice. The consumer agencies have total control over one 's credit and the consumer have no real way to resolve issues with them. I wrote a letter of dispute but got no real answer as to why they are not including my credit information that is reported to them on my credit report.

Each time I contact the 3 credit reporting agencies for a credit report, I get the same run around from Experian, about needing more information. Over the years they should have corrected my information. 

There are several companies reporting my credit to Experion and this needs to be resolved. IT IS NEGATIVELY IMPACTING MY CREDIT SCORE.

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 2023-05-10 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: MI

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my creit report. I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This in regards to a vehicle from XXXX XXXX with an open auto loan through XXXX XXXX  XXXX XXXX act # XXXX. XXXX XXXX did not provide me with Truth in Lending. This is a clear violation of my consumer rights. If they provided me with TILA then I would have known that the alleged vehicle was not funded. XXXX XXXX provided me with a vehicle on or around XX/XX/2022. I did not have full amount that they were asking for but they still allowed me to purchase vehicle without insurance. I stated to the sales rep that I was not fully comfortable with the car that they provided for me because XXXX, right now in XXXX XXXX MO have a high theft alert. They then stated that I could not return car once I drove off the lot which is another violation of TILA and regulation Z which clearly states they are to provide consumers with rescission rights. XX/XX/XXXX the vehicle still had not been funded. I waited until XX/XX/XXXX to try and return car again seeing that it had still not been funded and thats when the vehicle was stolen. I have the police report with complaint # XXXX and it will be attached. I contacted the sales rep and he tried to make me feel bad by saying to not say anything since I did not give them what they originally wanted for the car to begin with. He said that he would take care of the situation. XX/XX/XXXX XXXX XXXX  XXXX XXXX posted on my consumer report and began requesting payments. I did not give them permission to post anything on my consumer report. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Once I seen the posting I immediately contacted the sales rep at XXXX XXXX where I was told the sales rep no longer worked there. XXXX XXXX falsified information to get me into a car and has not tried to help resolve this. They are damaging my consumer report because XXXX XXXX  is marking late payments and adding interest on a vehicle that I don't have and never was supposed to have to begin with. By the time the first payment was supposed to be made and funding came through the car was already gone. XXXX XXXX is responsible for this and needs to handle this. I also will be filing with MO Secretary of State as 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