vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glennon Law Firm, LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX Bank and their law firm Glennon Law Firm LLC are threatening to sue me in the court of law for an alleged debt. I have notified XXXX XXXX many times over several years that I do not owe them any money and I was a victim of identity theft. I have sent them FTC documents proving this but they are ignoring me and are very persistent in collecting this fraudulent debt. I am a federally protected consumer and my rights under the FDCPA are being violated. I am being harassed and abused. I had a sheriff show up to my home to serve me court papers stating that I may be sued over this alleged fraudulent debt. I am considering suing XXXX and their law firm Glennon Law Firm LLC for harassment and abuse defined under the FDCPA. This debt was not mine. XXXX XXXX sent me a bunch of Account Statements to try and verify the debt is mine but that is not sufficient in the court of law. They have yet to show me where I physically signed any contract or have a physical person witness me apply for an extension of credit. Anyone could have stolen my identity and falsely pretended to be to apply for a card in my name. I also asked XXXX XXXX to show me where I was given a right of recession. Pursuant to the Truth In Lending Act, all consumer credit transactions must be given a right of recession. Although this alleged debt is not mine I was also never given a right of recession. This is a violation of the Truth In Lending Act. I demand that XXXX XXXX XXXX Bank and Glennon Law Firm LLC stop attempting to collect this debt and relieve me of all responsibility. I also demand that they report the accounts as paid in full on my credit consumer reports with no late payments or simply remove the account because they are in violation of the Fair Credit Reporting Act as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 2022-04-03 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: AL

Complaint narrative:
I have a collection on my report from XXXX XXXX with TransUnion. I sent TransUnion a certified letter asking them to remove this collection. I also attached a letter from XXXX XXXX stating they will be requesting the credit bureau to remove this collection from my credit report. As of this writing, TransUnion still has not removed this collection. I have attached the letters for your review.

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 2022-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fraudulent Account Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I have nearly paid off my loan with Hyundai motor finance. A few weeks ago, I went through my dealership to cancel the Hyundai protection plan maintenance wrap and get what I spent refunded ( meaning my loan will be reduced by {$2100.00}. I followed up with the dealership and messaged HMF and Ive heard nothing back.

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 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: FIRST ADVANTAGE CORPORATION
State: IA

Complaint narrative:
First advantage and XXXX shared and or reported negative information more than ten years old to prospective employers which in turn lengthened to job application process. In speaking with both companies that communication was uneventful and returned no positive results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: CA

Complaint narrative:
Experian is the only bureau reporting a bankruptcy but the other two bureaus are not. I did dispute this matter directly to them but they failed to get back at me in a timely manner. therefore they were obligated to remove it from my file.

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 2022-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MI

Complaint narrative:
I was a victim of fraud and identity theft. The company and person that was part of the scam and fraud caused me and other victims to have their money submitted and used for a business transaction. The person was my online boyfriend but also a business associate for an investment. The online boyfriend was not real but a scammer who defrauded other victims to. I filed an identity theft report as my personal information and identity had been compromised. I was frauded for over {$40000.00}. I attempted to file a chargeback dispute and submit my identity theft report with Cash App and the advocate refused to allow me to do so. I also tried to submit my identity report with CashApp and they refused to accept it from me and require the police department to so. I asked the police and they recommended I submit it because they are not required to. 
Cash App is in violation of the transaction banking act and refusal to do an investigation and accept my identity theft report and the Fair Credit Reporting Act as required by federal law. I am a victim of a scam and CashApp is required to follow procedures and allow a chargeback of all her transactions. 
Cash App has all of my information on the chat log of all my disputes and stopped me from finishing because they did not want me to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: LA

Complaint narrative:
A XXXX account was reported on my credit report on XX/XX/2021. I never opened an account with XXXX. When i contacted XXXX  in regards to the open account, they were unable to verify an account with my name located. I then contacted Transunion, and was told that theyd send a email to XXXX  for verification. After weeks have gone by, XXXX  is still unable to find that account that is reported to my transunion account and transunion has still failed to delete the inquiry, causing a major effect to my report.

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 2022-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation
State: NC

Complaint narrative:
On XX/XX/22, I signed up for a bank account with Albert. I clicked through my friend 's referral link, stating we would both earn {$150.00} after : -Receiving a qualifying Direct Deposit of {$200.00} or more every 30 days for 90 consecutive days.

-Spending at least {$100.00} or more on the debit card every 30 days for 90 consecutive days The attached " AlbertXXXX XXXX  shows the requirements for receiving the bonus. 
The attached " AlbertXXXX XXXX XXXXXXXX '' shows the terms & conditions, governing qualifying debit card spend and direct deposits. 
The attached " Albert_XXXXXXXX '', '' AlbertXXXXXXXX '' shows that I've met these requirements within the terms & conditions. 


I reached out on XX/XX/22 about not receiving the bonus, and received a canned response, shown in " AlbertXXXXXXXX XXXX', '' Albert_XXXX  '', '' AlbertXXXX  '' Despite all of this I'm receiving an apathy toward researching the matter. I'm hoping by filing this complaint, that the issue can be taken seriously, and that my friend and I can receive our bonuses.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One Services LLC sold my debt for pennies on the dollar to a 3rd party XXXX XXXX XXXX XXXX without my permission a violation of the privacy act sold my name date of birth social security number first one XXXX XXXX nbr ending XXXX XXXX XXXX for {$2300.00} second one XXXX XXXX XXXX ending XXXX XXXX XXXX for {$6000.00} in addition to my privacy act Portfolio Recovery was in violation of the FCRA and within 5 days did not provide verification of debt. 


They have reported to all three credit bureaus that they own the debt as a collection and report that the accounts are seriously past due. a collection by default is past due. Ive attempted 3 times to get this removed from my credit report. most recent through the bureaus dated XX/XX/2022 with a verification of debt letter that was updated in the credit bureaus but no change and no verification sent to me. 
the credit bureaus repeatedly send to Portfolio rather than deleting the record with clear violations of the FCRA I have never done business intentional with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
Student loans not reporting to XXXX. It has been over 60 days. This is the 2nd time I have had to file a complaint!!!! I already called XXXX and checked if they have any information being received from Aidvantage and they have not. This is Aidvantage 's problem not XXXX like they keep trying to make it. Fix this!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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:
Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2022-04-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
in accordance with the fair credit reporters act. XXXX  account # 's below 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. 

XXXX XXXX XXXX XXXX  XXXX account : XXXX XXXX. XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account : XXXXXXXX XXXX XXXX XXXXccount : 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 2022-04-03 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: MN

Complaint narrative:
I paid to view all three of my credit reports and found a lot of hard inquires that are fraud and I don't recognize on my TransUnion report. Please validate all the hard inquires and delete the ones that are fraud.

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 2022-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On three separate occasions I have tried to obtain an unsecured line of credit from Huntington Bank XXXX XXXX, Ohio. In XX/XX/2021, my request for {$11000.00} was rejected. In XXXX, I made another, smaller, request from XXXX -- this time for {$10000.00}. That application was also rejected. Not only that, the bank did not extend any type of counter-offer despite my specific request for one. 

As a normal part of the application process, Huntington Bank requested my credit score. My credit score is XXXX ( out of a maximum XXXX ). This score ranks me higher than 99 percent of all U.S. consumers. 

The bank 's official reason for denial is that my income is too low and my debt load is too high. My gross income for FY 2021 was {$34000.00}, very close to the U.S. median individual income of {$35000.00} ( Federal Reserve data ). My total outstanding debt is less than {$14000.00}, which is far below the national average of {$90000.00} per person ( source : XXXX ). 

I have spoken by phone with one of the bank 's underwriting managers. Huntington is unable to articulate a credible reason as to why they would deny credit to someone whose credit history ranks better than 99 percent of all Americans, and whose total debt is a small fraction of that of the average person in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
Aidvantage is in violation of my consumer rights as a natural person, original creditor. 
15 USC 1692e 15 USC 1692f 15 USC 1692j

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2022-04-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has false information on my credit report. in addition to CRAs and creditors NOT sending the requested copy of signed contract also shows charge offs on my account while also stating a 1099 was sent. Per IRS law 1099 statement are claimed as income. CRA 's are not to report income on credit reports Also, I never gave permission for the creditor or CRA to furnish my personal information. 

By law, reinvestigations are to be completed within 15 days. I do no give permission for more time to complete

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 2022-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: KY

Complaint narrative:
I made my purchase around XXXX of last year ( 2021 ) and realized at some point they were reporting that I was missing payments everytime Id make a payment. Basically, they were claiming my payments werent going through, but I could clearly see that they were. In turn, Id have to make another payment on top of that payment or Id end up owing an extra {$100.00} more in just a few days prior to having made the payment. Just a little over a month or 2 ago Im almost positive I had the payoff amount down to somewhere around $ XXXX {$400.00} but It mysteriously shot up a little past {$900.00}. I made a double payment back to back and was down to about {$700.00}, again they claimed I missed a payment, and a few days later its posted that my payoff is nearly {$900.00} again I have proof in that I have emails from the company claiming I missed payments, but bank statements showing that the transactions cleared. Even have photos proving theyve been tacking undeserved fees and interest onto my account due to these so-called failed payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received a string of emails on XX/XX/22 that indicated that I applied for and was approved for a Bank of America XXXX XXXX Banking Account Confirmation number : XXXX. 

I did not apply for or approve this account On XX/XX/22, I spoke with the Check Fraud department at Bank of America that stated that I was a victim of identity theft. An account was successfully opened in my name and they would close the account and send my emails and paperwork in the mail to confirm. They were VERY helpful. They also advise my to place a freeze on my credit with all XXXX credit reporting companies and to file a claim with the FTC.

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 2022-04-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX has violated my rights. 

I have never heard of this company. The FCRA states that a consumer has the right to be notified if any financial institution submits or plans to submit any negative information to a credit reporting agency. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that 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 explanation