vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-19 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All are in violation of my rights According to : 15 USC 1681a ( 2 ) ( 1 ) under exclusions.

Rights to privacy Fair credit reporting Act protects information collected by consumer report agencies such as credit bureaus, medical information companies and tenant screening services.

and 15 USC 1681 s2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reason to believe that information is inaccurate. 
I have been in touch with all three credit card companies and they have all agreed to remove the late payments. 
I have tried over and over to get document from each regarding the removal of the late payments with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
On XX/XX/2022, I went to XXXX XXXX XXXX  and spoke to an employee about freezing my membership due to me starting XXXX XXXX and would not have time to come to gym. The employee stated there was a 3 month or 6 month option, which I chose 6 month freeze and employee told me manager was not present but that they were putting a note in computer and note for manager to handle situation. A few weeks later I start receiving calls about my account. I then spoke to employees on the phone 3 separate times attempting to once again freeze my account like I was told was getting done the first time and apparently it never did. 3 times over the phone I was told that it was handled, after I had done the freeze in person which was unsuccessful due to employees for whatever reason. I then receive a letter in the mail stating I now owe money due to lack of payments for my account which I was told by staff situation was handled 4 different times and clearly it was not. Once I received my debt collection letter I called XXXX XXXX to ask them why this is occurring. They stated they see notes in the computer where I went up there AND called and spoke to employees to freeze my account, stated they did not know why it was not successful, but now that they have turned me over to collections there is nothing they can do and I have to handle it with collection company. Which is completely unacceptable that they directly have proof in their computer than I requested this freeze multiple times and they never completed business on their end which is now causing me to have a debt collection due. I called collection company and employee was horrible and very unhelpful and said there is nothing he can do because XXXX XXXX said I owe the money. So I basically have both companies telling me there is nothing they can do, when there is no reason why I should owe this business any money. I never attended that gym after XX/XX/XXXX when I entered the building and requested an account freeze and was told it was complete and they would see my again in 6 months when freeze was over. I do not owe this company money and somebody needs to fix this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a series of emails from Bank of America stating that a checking account had been opened in my name without my permission. I contacted the bank and had the account closed and filed a report of identity theft with FTC. During this process, it was recommended to me to place a security freeze with XXXX to prevent this from occurring again. On XX/XX/XXXX, I received another set of emails indicating another account had been opened in my name. I contacted the bank again and had the account closed and they recommended I place a security freeze with XXXX. However, the previous freeze I placed with XXXX was already in place. Per the text on their website " A security freeze is designed to prevent approval of checking, savings, credit accounts, loans, or other services from being approved in your name without your consent ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19 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: Grow Credit Inc
State: MD

Complaint narrative:
GROWN CREDIT INChas illegally reported a total count of twenty-five late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am making this complaint against Discover for violating federal law under 15 USC 1681 and 15 USC 1692. I have never given Discover any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I have never received the documentation i requested from this company. If Discover can not provide me with proof that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. As of XXXX XXXX XXXX I have not received any documentary evidence, such as a bilateral contract, giving Discover any right to collect on this alleged debt. I am legally refusing to pay this debt pursuant to 1692c ( c ). I have already sent a a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Discover can provide me with sufficient documentary evidence that I have any legal obligation to pay them and they still have been communicating with me and reporting to the consumer reporting agencies without my permission. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
National credit systems sent a letter to me in the mail in XX/XX/2023 offering to pay my collection at a discounted rate. I called and paid the offer in full but was actually charged the full amount rather than the discounted offer. The discount was offered until XX/XX/2023 and the collection was paid on XX/XX/2023 well within the time frame they gave.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to dispute several items that appear on my credit report. After reviewing my credit report, I have identified several inaccuracies and unauthorized inquiries that need to be addressed as soon as possible. 

Firstly, I noticed that my personal information is incorrect. Specifically, my previous addresses were reported incorrectly. The addresses listed on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but I have never lived at either of these addresses. 

Additionally, I have no recollection of authorizing credit inquiries by several companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized inquiries are damaging my credit score and I demand that they be removed immediately. 

Furthermore, I have noticed that some accounts on my credit report have incorrect information, such as late payments and incorrect balances. Specifically, account number XXXX with XXXX XXXX XXXX XXXX is reporting incorrect late payments, which have not been updated. I demand that these incorrect late payments be removed from this account immediately. 

Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  need to be verified and corrected or deleted from my credit report. 

Lastly, I do not recognize the accounts with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have never had any business relationship with these companies, and therefore, these accounts are not mine. Account number XXXX with XXXX XXXX XXXX XXXX and account number XXXX with XXXX XXXX XXXX XXXX should be removed from my credit report immediately. 

I understand the importance of maintaining a good credit score and I hope that you will take the necessary actions to correct these inaccuracies and remove any unauthorized inquiries from my credit report. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute several items that appear on my credit report. After reviewing my credit report, I have identified several inaccuracies and unauthorized inquiries that need to be addressed as soon as possible. 

Firstly, I noticed that my personal information is incorrect. Specifically, my previous addresses were reported incorrectly. The addresses listed on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but I have never lived at either of these addresses. 

Additionally, I have no recollection of authorizing credit inquiries by several companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many others. These unauthorized inquiries are damaging my credit score and I demand that they be removed immediately. 

Furthermore, I have noticed that some accounts on my credit report have incorrect information, such as late payments and incorrect balances. Specifically, account number XXXX with XXXX XXXX XXXX XXXX is reporting incorrect late payments, which have not been updated. I demand that these incorrect late payments be removed from this account immediately. 

Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to be verified and corrected or deleted from my credit report. 

Lastly, I do not recognize the accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never had any business relationship with these companies, and therefore, these accounts are not mine. Account number XXXX with XXXX XXXX XXXX XXXX and account number XXXX with XXXX XXXX XXXX XXXX should be removed from my credit report immediately. 

I understand the importance of maintaining a good credit score and I hope that you will take the necessary actions to correct these inaccuracies and remove any unauthorized inquiries from my credit report. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, 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 2023-03-19 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: Consumer Portfolio Services, Inc.
State: AR

Complaint narrative:
accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under cit open end consumer credit plan as late for purpose.

146

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX account. Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Figure Technologies, Inc
State: AZ

Complaint narrative:
Figure lending does not accept checks for payment. This allows them to bypass transactions such as balance transfer requests to pay off personal loans ( via check deposit ). 

I requested to make a deposit to them at their bank instead ( where they accept wire transfers ) through XXXX XXXX Bank, and this was not allowed either. No checks can be made payable to figure for payments, and they offer a wide variety of loans. Including, personal loans, mortgages and cryptocurrency style loans. 

They do not allow a traditional way to make payment via check. This should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had an order from XXXX XXXX that was received in XXXX of XXXX and the seafood portion of the order was bad. XXXX XXXXXXXX agreed to refund me a partial credit for the food that I was not able to use. The credit was in the amount of {$61.00} on XX/XX/XXXX. I received an email confirmation from XXXX XXXX regarding this credit and as of today it has still not shown up on my Fifth Third Credit card. I was told by XXXX XXXX that the issue is on Fifth thirds end since they have processed the credit on their side. I opened a claim with Fifth third and as of today XX/XX/XXXX I still have not received credit for this. I have sent them the confirmation email as well. 

There is no reason 5/3rd cant credit me back the {$61.00} and chargeback XXXX XXXX due to the confirmation email I have sent to them from XXXX XXXX. This has been going on since XXXX and its now XXXX. They have been taking way too long to resolve this issue. Please help to get my credit back. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-19 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: NV

Complaint narrative:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. Additionally, I provided a locally filed police report in XX/XX/2022, and the accounts are still reporting.

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 2023-03-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion and XXXX are not investigating my disputes. US DEPARTMENT OF EDUCATION accounts on TRANSUNION and 6 unauthorized INQUIRIES on XXXX are not being shown as being DISPUTED

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 2023-03-19 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: MD

Complaint narrative:
XXXX XXXX has illegally reported a total count of nine late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX account. Fraudulent.

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 2023-03-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I had a lease through Hyundai Motor Finance. When I returned the vehicle at the end of the lease ( all payments paid in full, on time ) in XX/XX/2018, they had charged me for extra fees that were never explained to me from the beginning. I had contacted them numerous times to work with them about the fees but did not come to a conclusion. Once they reported the fees to the credit bureaus, I ended up giving up and paid the fees. To this date, the missed payments are on both my wife and I 's credit reports. All scheduled payments were made on time for the previous 3 years.

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 2023-03-19 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: CA

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. 
Account name : XXXX XXXXXXXX acct # XXXX, XXXX XXXX Bank acct # XXXX, XXXX acct # XXXX, XXXX XXXX Department acct XXXX XXXX, XXXX XXXX acct # 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.

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