vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-15 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: GA

Complaint narrative:
This account is in collection please provide me the original purchase agreement which includes the terms and conditions legally stating that I'm responsible for this account. Need this information in 30days or remove from my account.

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 2023-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Capio Partners # XXXX {$240.00}. 
These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15 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: Cedars Business Services, LLC
State: VA

Complaint narrative:
Company continues to report fraudulent information with no validation, after agreeing in writing to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In ordinance of the fair credit reporting act XXXX  account # XXXX, has violating my rights. 
15 USC 1681 section 602 state I have the right to privacy.

15 USC 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I applied for a credit card from Avant and was approved. I later received a notification that the credit card was activated, and I can now use my card. I immediately called them at XXXX and told them I had not received the card yet, so I did not activate it. I was transferred to the fraud department, and they froze the card and issued a replacement. I spoke to a male a few days ago who said he is an investigatorI explained to him that I did not receive the credit card and had no idea who could have made the charge. I asked him how someone could activate it and use the card without my information. I don't remember if he responded to my question. I was checking the due dates on my cards and noticed a similar charge on the Avant account again. I called customer service and was told the amount was returned to the bill because the investigator deemed that I was responsible for the charge. How can I be held accountable for a charge on the account when I never initially received the card?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: Experian Information Solutions Inc.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Re : Unauthorized Credit Inquiry I recently obtained a copy of my credit report from Experian, It indicated that a credit inquiry ( s ) was made. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. See below. 
XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Please have this inquiry removed/blocked from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
I have sent this letter via certified mail as it requires your prompt attention and response. Please forward any documentation that you may have regarding the removal of this credit inquiry. 
Conversely, should you find that I am remiss, and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that 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
Consumer complaint received 2023-04-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX XX/XX/2022 my vehicle was involved in am accident and remained in the repair shop for 3 months. USAA Insurance declared it a total loss XXXX XXXX and owernership was transfered to them. I signed paperwork for the payoff. I don't have control of title paperwork. They were the Lienholders also. They would not release my payment until they received the Title from the DMV, but they had the vehicle in their possession. They reported missed and late payments to the 3 bureaus. I've been a member with USAA over 20 years and never missed a payment. I contacted USAA and explained the situation and asked if they could removed the negative reporting statement and they said they could not. I disputed with the 3 bureaus also. Why should I be held at fault if they didn't have the title, but were is possession of the vehicle. Payment should have been released when I signed over ownership to them. It's their 's and the dealership responsibility to obtain the title information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been a victim of identity theft ; my driver 's license was stolen and ever since then I have had an issue with a high percentage of credit utilization on my credit report that I have never used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
1. XXXX XXXX XXXX. 
date open XX/XX/XXXX amount {$25000.00} 2. XXXX XXXX XXXX date open XX/XX/XXXX amount {$88000.00} I reached out to both the furnisher of the credit, and they advised me that they're going to remove these accounts from my credit reporting agency. After waiting for 90 days. Both accounts are still reporting. After calling the original creditors again they advised me that after my phone call emails were send to all 3 bureaus to remove the accounts in question.

I reached out to each credit agency XXXX, Trans Union, and XXXX and they just updated all the dates and account statuses so they can all match, but still never removed the accounts in question.

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 2023-04-15 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:
XXXX. XXXX XXXX XXXX. 
date open XX/XX/XXXX amount {$25000.00} XXXX. XXXX XXXX XXXX date open XX/XX/XXXX amount {$88000.00} I reached out to both the furnisher of the credit, and they advised me that they're going to remove these accounts from my credit reporting agency. After waiting for 90 days. Both accounts are still reporting. After calling the original creditors again they advised me that after my phone call emails were send to all 3 bureaus to remove the accounts in question. 
I reached out to each credit agency XXXX, XXXX XXXX, and Equifax and they just updated all the dates and account statuses so they can all match, but still never removed the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: NY

Complaint narrative:
This CRA is in violation of my consumer rights. 

U.S.C. 1681b ( 2 ) Permissible purpose of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I am the consumer to whom it relates, I did not give this CRA written permission to furnish any information on my report. I ask that you please delete the entirety of the following account.

Infractions as follows : XXXX XXXX XXXX XXXX XXXX  XXXX This CRA is also in violation of my consumer rights according to 15 USC1681 and the FCRA 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

My monthly payments to you are considered under an open end consumer credit plan.

You are the creditor. Please update this account to PAANL. ( Paid as Agreed Never Late ). 


Infractions are as follow : XXXX XXXX XXXX ACCT # 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 2023-04-15 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: FL

Complaint narrative:
XXXX. XXXX XXXX XXXX. 
date open XX/XX/XXXX amount {$25000.00} XXXX. XXXX XXXX XXXX date open XX/XX/XXXX amount {$88000.00} I reached out to both the furnisher of the credit, and they advised me that they're going to remove these accounts from my credit reporting agency. After waiting for 90 days. Both accounts are still reporting. After calling the original creditors again they advised me that after my phone call emails were send to all 3 bureaus to remove the accounts in question. 
I reached out to each credit agency Experian, XXXX XXXX, and XXXX and they just updated all the dates and account statuses so they can all match, but still never removed the accounts in question.

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 2023-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I purchased 2 vacations in XXXX from a very well known and popular travel agency named XXXX XXXX XXXX, based in XXXX XXXX prior to the world shutting down for Covid. I made my initial voucher purchase and following that all my monthly installments using my BOA Credit Card. My vacations were ultimately cancelled due to the world shut down, travel being illegal to do and airlines and hotels closing. XXXX XXXX XXXX  assured all customers that once the world reopened and all travel locations were safe to resume business, my vacations would be rebooked and would take place. Of the 2 vacations I had purchased only one was rebooked after the world opened. I was to take that vacation to XXXX XXXX this XX/XX/XXXX, working with the XXXX XXXX. I received word in XX/XX/XXXX that XXXX XXXX XXXX was closing due to the monies lost from tourism shutting down and all people who booked vacations were not receiving a refund! 
Crushed dreams and a broken heart. 
I'm not wealthy to lose thousands of dollars. 
Upon advisement I was told to contact the CC company and dispute the charges to get a refund. BOA has denied me 2 times because the dates of purchase were out of the time frame to retrieve the money. This happened due to the Covid shut down and the company closing after Covid and not in my reporting past the rules... rules that can be changed due to the circumstances of Covid. 
My initial voucher I purchased was for {$500.00} on XX/XX/XXXX I then made monthly installments for {$200.00} 13 times late in XXXX and in XXXX. 
My loss on this credit card is a total of {$3200.00} I submitted all information about the CC company closing due to Covid and BOA had all the proofs of purchase in my account. I also submitted my plea letter that fell upon deaf ears and no one person willing to help 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 explanation
Consumer complaint received 2023-04-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have six student loans with XXXX XXXX and each loan shows up individually on my Experian report, please see the attachment labeled " XXXX  Late Payment Data ''. 

You will also see each of them has corresponding " late payments '', and the details of these late payments posted can be seen by reviewing the listed attachments " Loan XXXX - XXXX. 

I have tried helplessly to work with XXXX on two goals via phone and email with their support staff to no avail : ( 1 ) These six individual loan entries on my Experian credit report, all with late payments, are preventing me from repairing my credit. On the XXXX website, while they do list loans individually, they combine the total balance of loans and you make payments across all the loans when you make a payment, not individually. These six loans need to be combined into one loan, with any corresponding late payments, as opposed to what is listed currently. 

( 2 ) I previously spoke with XXXX a few times now on the phone over the late payment information that is showing on my account. I need this information reviewed in entirety for each loan. In the attachment " XX/XX/XXXX to XX/XX/2020 '', this was an email from XXXX stating loans would be in forbearance from XX/XX/XXXX to XX/XX/XXXX. I called before this forbearance ended and was told I was not eligible to continue forbearance, even when I had not yet found a job after graduating. 

I spoke with someone last month who said that should not of been the case, and that forbearance after XX/XX/XXXX was still being granted upon request. I could not pay, and was also told false information ( whether by mistake or not ) I am unsure, but I would like associated late payments which any account holder was qualified to be under forbearance removed as I was told I was not able to, when indeed, I was.

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 2023-04-15 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: KEYCORP
State: OR

Complaint narrative:
On XX/XX/2022 I called Key Bank in XXXX XXXX, Oregon XXXX to report a CHECK FRAUD in my checking account. I was given NO instructions on how to proceed other than they would investigate the situation. Next day I called my local branch to inform them of the fraud check and that I had reported it. Got a call from my landlord wanting to know where my {$850.00} rent check was. Upon going online to my account I noticed that surely enough the rent check had been FORGED. Waited a month and heard nothing from the fraud depart. ( XXXX ) or bank so I called the fraud department again on XX/XX/2022 and was told the fraud case was CLOSED. Asking why, they said I had only ONE MONTH from the date of the reported check fraud to submit the paperwork that was required. I told them I was NEVER instructed from the initial call in XXXX of what PAPERWORK to submit! Was told I needed to have an affidavit that was notarized and signed by the local bank manager. Went to my local branch, filled out the paperwork, had it notarized and signed and bank mailed it to fraud depart. Still never hearing from the fraud dept. I called again oXXXX XXXX XXXX XXXX to see where the investigation was at, at this point. Was told by the fraud dept. they received the paperwork and they would RE-OPEN the case and send me a LETTER regarding their decision. Waited and waited and no word or letter from fraud dept. or bank. It's now XXXXXXXX XXXX XXXX so I called again to fraud dept. Was told the letter was sent to me about their decision, but I never received a LETTER in the mail, fraud dept would check. Okay, now it's XXXXXXXX XXXX XXXX and was told the bank manager was to call fraud. dept. to escalate the case. XXXXXXXX XXXX XXXX bank gets NO call from fraud dept. I tell my bank I finally received the so called LETTER in the mail XXXX XXXX XXXX dated XX/XX/2022! with the fraud dept. final decision stating that " the claim does not meet the requirements for credit. '' meaning it was not received in a timely manner ( 1 month after initial call on XX/XX/2022 ) so the case was closed and will remain CLOSED, end of their discussion!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Re : Complaint Against TransUnion for FCRA Violations To Whom It May Concern : I am writing to file a complaint against TransUnion, a credit reporting agency, for violating the Fair Credit Reporting Act ( FCRA ) by reporting false personal information and information not related to my legal identity. This complaint is being filed in accordance with the FCRA, which requires credit reporting agencies to maintain accurate and complete information about consumers. 

On XX/XX/2023, I obtained a copy of my credit report from TransUnion and discovered that my personal information was incorrect. Specifically, my name was completely incorrect. Additionally, because of this error, TransUnion is reporting information not related to my legal identity, including credit accounts and delinquencies that do not belong to me. This false information has caused harm to my credit score and has led to denials of credit and better financial opportunities. To verify my identity, I have attached a copy of my government-issued driver 's license. 

TransUnion 's reporting of false personal information and information not related to my legal identity is a clear violation of the FCRA. Section 607 ( b ) of the FCRA, 15 U.S.C. 1681e ( b ), mandates that credit reporting agencies use reasonable procedures to ensure maximum possible accuracy of the information they report. Furthermore, section 610 ( b ) of the FCRA requires credit reporting agencies to investigate any disputed information and make necessary corrections or deletions. Finally, section 609 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681g ( a ) ( 1 ), requires that credit reporting agencies provide consumers with access to their credit reports and investigate disputed information within a reasonable period. 

I am requesting that the CFPB take immediate action and require TransUnion to investigate this inaccuracy in my name and personal information and remove all incorrect personal information and any information related to the incorrect personal information from my credit report. I am also requesting that TransUnion conduct a thorough investigation into the accuracy of my credit report and provide me with a copy of the results of this investigation within 30 days. Finally, I am requesting that appropriate enforcement action be taken against TransUnion for its failure to comply with the FCRA. 

Thank you for your time and attention to this matter. Please let me know if you require any additional information from me. 

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 2023-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: CO

Complaint narrative:
I went to get my brakes fixed at XXXX XXXX in XXXX XXXX. I was told my brakes would cost {$540.00} to complete and I couldnt drive off the lot without them done. I didnt have the money so they forwarded me to easy pay finance who I paid over {$900.00} to already and still owe {$340.00}. They are charging 189 % interest. I told them this is illegal and the representative didnt have anything to say and told me to have a nice day. I have been in contact with multiple calls to XXXX  XXXX and no one is getting back. Its the same man that answers when I call easy pay as well. Its a scam and I want my money back and to be out of their system. Thank you for the assistance.

Company response to consumer: Closed with explanation