vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
im writing this because I noticed an item on my EQUIFAX credit report that should NOT be reporting. EQUIFAX has been notified by the original creditor to stop reporting this account and yet EQUIFAX is stlll reporting this account. in addition to that reporting this account is a violation of 15 US CODE 1681s-2 because this account is a charge off with a XXXX balance which is considered " cancelled debt '' and according to the IRS which states : " In general, you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt ''. And according to the FCRA It is not permitted for any credit reporting agency to report income on a consumer credit report. It also states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Here is the inaccurate account in question : XXXX BANK / XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX Mention in their Privacy Notice ; No Sale, No Sharing We do not sell personal information. We do not share personal information for cross-context behavioral advertising. We do not allow our vendors to sell this information or to share this information for cross-context behavioral advertising. 

However my Non-Public Personal information was sold, share, disclose AND ADVERTISED between XXXX, XXXX, Transunion, XXXX, and XXXX. XXXX did not engage in this Transaction. This is Infringement to my Privacy. 

I recently disputed XXXX ( XXXX XXXXXXXX XXXX ), because laws were broken in regards to my privacy. They responded and stated that they Service the account on my behalf, which is A violation under FCRA. ( Please See Attachment With The Statement ) ~15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

Also Under the FDCPA Violations were broken as well.

~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX Mention in their Privacy Notice ; No Sale, No Sharing We do not sell personal information. We do not share personal information for cross-context behavioral advertising. We do not allow our vendors to sell this information or to share this information for cross-context behavioral advertising. 

However my Non-Public Personal information was sold, share, disclose AND ADVERTISED between XXXX, XXXX, XXXX, Experian, and XXXX. XXXX did not engage in this Transaction. This is Infringement to my Privacy. 

I recently disputed XXXX ( XXXX XXXXXXXX XXXX ), because laws were broken in regards to my privacy. They responded and stated that they Service the account on my behalf, which is A violation under FCRA. ( Please See Attachment With The Statement ) ~15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

Also Under the FDCPA Violations were broken as well.

~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
M & T Bank denied my claim for charges that were illegally made on my credit card. My account was compromised along with my debits card, social security number and identification card because I lost my wallet with my credit card, debit card, social security card, and id in it on XX/XX/XXXX. I thought I left it at my job at the XXXX XXXX  I work in but It was not there when I returned there on the XXXX. 

The fraudulent transactions : - {$1300.00} from XXXX XXXX # XXXX - {$43.00} from XXXX XXXX XXXXXXXX XXXX XXXX  - {$920.00} from XXXX XXXX XXXX XXXX  Please look into this for me. M & T agreed to reimburse me for all fraudulent transactions. My identity and previous M & T credit card account ending in XXXX has been compromised. I need help with getting reimbursed for these fraudulent transactions.

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 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Starting XX/XX/XXXX to XX/XX/XXXX there was a total deposits of {$9000.00} spending only $ XXXX of that money what happened to the rest Ive watch Bank Of America push dates back for my transactions as far as a week of my statements which make them not accurate Ive seen where theyve taken {$950.00} from me on XX/XX/23 I placed it in my checking account to cover the fees that were from debit card transactions that were cancelled but I had to wait for them to go back to my account to waking up in the morning showing someone signed into my online banking at XXXX at night when I was sleep. I have receipts showing that one amount was in my account and something was pending to be placed back into my account and then never was. The transaction disappeared. Someone is illegally taking stealing money from me and if youre not a forensics accountant you wont see it unless you see the deposits and the transactions in those time frames which doesnt add up at all. I called the fraud department on XX/XX/23 he filed one claim and then he said to file the other claim I had to wait the next day which I was confused to why I couldnt file the claim all at once but wake up on XX/XX/23 and see the same amount I was needing to file a claim on was transferred somewhere that nobody knows where that money was not there because I have a receipt to prove the money wasnt there I cant transfer {$400.00} dollars from a savings account with a balance of {$0.00} on the XXXX I woke up to XXXX so I placed that from my saving waiting on Bank of America to place what transactions that were cancelled that weekend from Friday to Sunday it was showing processing but then I replace that negative balance now its gone?? Then a week later it shows theses transactions taking place XXXX days later transactions that already posted this bank owes me without ola doubt {$2000.00} or close to it. Theyve changed the way my transactions looked since the last time I filed a complaint they are taking from my kids Im being scammed and Ive been victimized for over a decade and some how the government still allowing the imposter to take from me and the agencies covering it up. I need my kids money back. I didnt transfer {$400.00} I spoke to the agent on XXXX he said XXXX {$.00} was removed twice from my account and XXXX gave me the times and dates and now all of sudden it didnt post but it did actually because I paid for the cost until my money reappeared back to my account which never did HELP before XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Im not the fraudster the imposter is not 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 monetary relief
Consumer complaint received 2023-03-06 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received a letter in the mail from Synchrony Bank saying I tried to open a credit account with Walgreens but they were unable to access my credit report. My credit reports are frozen. However, I never applied to any credit account with Walgreens. I called Synchrony bank, they couldn't find anything and I called Walgreens but they said everyone who tries to apply for Walgreen credit will do it online and that application goes straight to Synchrony bank. Therefore, they wouldn't have any information regarding this. Synchrony bank can only assure me that no account has been open but they can't help me with locating the source of this letter since I did not apply for any credit account with Walgreens.

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 2023-03-06 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: FL

Complaint narrative:
Equifax is reporting A account that does not belong to me I did not authorize any account with XXXX XXXX XXXX and its damage my reputation and trustworthy this account does not belong to me Im a victim of identity theft I file numerous complaints to Equifax but the account still showing on my consumer file account name upstart XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
Notice of Dispute Please be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g, that validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : Account # XXXX * Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. * The agreement bearing my signature stating that I have agreed to assume the debt * Valid copies of the debt agreement stating the amount of the debt and interest charges * Proof that the Statute of Limitations in XXXX  has not expired. * Complete payment history on this account along with an accounting of all additional charges being assessed * Proof that you are licensed to collect in my state ; and * Your license numbers and Registered Agent or Agent of Service. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account if any exist must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. All future communications with me MUST be done in writing via the CFPB. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

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 2023-03-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TN

Complaint narrative:
In XXXX of XXXX I got a car lease through American car center and XXXX XXXX which is their in house finance company. On XX/XX/XXXX American car center and XXXX XXXX ceased all operations and closed down. On XX/XX/XXXX I received an email from XXXX XXXX XXXX  that stating I was to make my payments through them now which I could understand if they bought the company or whatever happened but what I dont understand is XXXX can not provided with any contract or anything stating I legally pay them for a lease I had with XXXX XXXX now. And also in my contract with American car center and XXXX XXXX in states that any modifications were to be made then it would be done in writing and me and the assignee would both have to sign and that never happen. XXXX cant not give me any information besides what my payment is and that they wont be to pay it. Ive asked on serval occasions if I would get a title after I finished and was told they didnt know and then to top it off my they changed my monthly rate and made it to were it will take me at least 5 years longer to pay the car off

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC
State: TN

Complaint narrative:
A collection agency is trying to collect money from me on a credit card that I've never had or used. The opened date my XXXX XXXX  say is XXXX XXXX. The name of the company trying to collect is XXXX XXXX and the original creditor is XXXX XXXX XXXX. I have disputed it and called the collector to let them know it's fraud. So far nothing is happening. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15U.S.C 1681 section 602A. States I have the right to privacy.

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

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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 XXXX XXXX XXXX. 

# XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX, # XXXXXXXX XXXX, # XXXX XXXX XXXXXXXX & XXXX XXXX # XXXX XXXX # XXXX XXXX  XXXX XXXX has XXXX 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 explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
I have emailed and called many times to explain that Im an overseas military subject to scra rights. Exeter repossessed my car even though I was told Id here back from them by many representatives which lead to my car being XXXX with over XXXX of military gear inside vehicle. I was unable to retrieve my coworkers property though third party because of slow property release by Exeter and non communication I am seeking reimbursement for the missing property that doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I attempted to assume a lease with BMW financial services. I was required to submit a {$500.00} assumption fee. They had me waiting for 2 months and cancelled my assumption and are refusing to refund me my assumption fee. They said to give them the last XXXX of the card used but that transaction was made 2 months ago and I dont have that card anymore. They are being dishonest and wont give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Grant & Weber
State: CA

Complaint narrative:
I was reached by XXXX XXXX XXXX agency who are located in XXXX XXXX, XXXX who is trying to collect debt from me. I did my due diligence and came to find out that according to XXXX consumer access this collection agency is not licensed to collect debt in XXXX  I am a very concerned consumer and want only true information. Please remove the item from my credit as you are in violation.

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 2023-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
XXXX Phone and Account was initial bill. Service was terminated at time of merge with XXXX 

Paid for phone two times at {$80.00} to avoid debt collection. Spoke to XXXX and service bill was paid in full. 

I have tried everything to work with them and now another company, Source Receivables Management has come looking for the same money already paid to XXXX XXXX

Company response to consumer: Closed with explanation