vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Sent Greensky paper work on XX/XX/XXXX, company did not respond, sent second notice on XX/XX/XXXX company responded with transaction history, a electronic signature and contract that doesn't prove the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
From the branch of XXXX XXXX in New Jersey, I ordered corporate checks in my company name, which Big Boss. I paid USD XXXX from my business account approximately XXXX months ago.I tried to contact my customer representative at the bank by email, by XXXX and by mobile many times but he did not get back to me till now although he promised to compensate for the delays by sending the checks by XXXX whose charge will be fixed on their end. It was XX/XX/XXXX that I paid and ordered the checks but it will be XX/XX/XXXX and I still have not received the checks. No feedback till now. Very disappointed.

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 2023-01-28 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 2023-01-28 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: IN

Complaint narrative:
In its response to my Complaint # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX had stated : " Any credit reporting XXXX provided on behalf of XXXX  has been deleted ''. 

However, the Credit Reporting Company EQUIFAX failed to delete the derogatory information in my credit report that was originally provided to it by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Park Hill Holdings
State: VA

Complaint narrative:
I applied for rental with XXXXXXXX XXXX XXXXXXXX and the application got denied. The interesting thing i had previously resided at this rental property. I received information for the leasing staff at XXXX that my application was denied due to my credit. Mind you my application included myself and my XXXX XXXX XXXX daughter as well. According to the law in Virginia every applicant over the age of XXXX is to complete a rental application. Both my daughter age XXXX and myself applied on XX/XX/23. The leasing contacted me that it was denied due to my credit. I currently have fair credit which is acceptable for leasing and no previous evictions. So i decided contact saferent rent and ask for a copy of the consumer report used. Saferent did not screen my daughter like they were suppose to and decided to only screen me. They informed me, information was pulled from XXXX. Upon reading their screen report provided to XXXX had inaccurate information. First they had my previous address listed incorrectly XXXX XXXX XXXX XXXX, XXXX XXXX VA which caused discrepancies with my address history. Next they had listed - Decline XXXX - please deliver adverse action letter. XXXX has not been processed. This information is inaccurate and am in danger of losing the rental property we applied to. Please this is unfair practice against me and others. We have been denied rental because of this screening company. XXXX informed me they have my accurate consumer information so the mistake is on saferent. I just lost {$100.00} dollars due to inaccurate information. I lived at this property before screened me and never had a problem till they started using Saferent.

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 2023-01-28 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX and XXXX 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 an account without my written instructions.

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

Both XXXX XXXX XXXX and XXXX are Violating my rights.

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 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This past summer, I received physical mail informing me of a promotional offer regarding opening a Wells Fargo checking account. Wells Fargo offered a {$320.00} bonus in exchange for opening an account and meeting the below qualifications : XXXX. Opening the account using their promotional link as found in my letter. XXXX. Opening the account by XX/XX/XXXX. XXXX. Connecting a direct deposit and depositing XXXX XXXX within XXXX months. I met all of the above requirements. I contacted Wells Fargo after meeting the requirements and they asked me to wait until the 3 months had passed for the bonus to deposit. The 3 months came and went but no bonus was deposited. I have since spent at least XXXX XXXX on numerous occasions throughout XXXX and XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) on the phone with Wells Fargo customer service, in an online chat with their customer service, and to top things off, they asked me to come into a physical Wells Fargo location where they assured me they would be able to take care of this matter but did not - complete waste of my time. They have now closed my case claiming there was no promotional offer found on my account and that I must not have used their promotional link. I absolutely did. The link was " wellsfargo.comXXXX XXXX  and I would not have signed up for an account without ensuring I used their link. This is actually the second time Wells Fargo has reneged on a sign-up bonus. I had a similar experience opening up a credit card with them a couple of years ago and I was hesitant to now sign up for this offer as well, only for my fears to be confirmed. They responded to this complaint without reading any of it, instead only commenting about the credit card, and not addressing the new CHECKING ACCOUNT ISSUE. This complaint is about the CHECKING ACCOUNT BONUS THAT WELLS FARGO RENEGED ON. NOT the credit card bonus that they reneged on, as this was addressed over a year ago. I don't usually use all caps but the lack of attention to detail in Wells Fargo 's responses has been unbelievable. Again, I absolutely met all requirements and to claim that I did not is a flat out lie.

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 2023-01-28 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
As of today XX/XX/XXXX Toyota/ Lexus financial services is still reporting my account for the leased Lexus XXXXXXXX XXXX XXXX as an open revolving account in the amount of {$31000.00} with intial starting loan balance of {$45.00}, XXXX with beginning intial payment XX/XX/XXXX as I have attached as proof. This is inaccurate as the account was closed as of XX/XX/XXXX with a XXXX balance as payment had been received by XXXX to Lexus in the amount of {$42.00}, XXXX as a total loss with a mailed letter of guarantee for the title to XXXX on XX/XX/XXXX per Lexus intial response to deceptive credit reporting complaint to Consumer Financial Bureau on XX/XX/XXXX stating that account had been closed with XXXX balance per Lexus. I have also attached this intial reponse to this complaint as well for review. This account is inaccurate in the amount and open status and Toyota/Lexus is fraudelent and deceptive in thier credit reporting actions. I have also attached the dispute I submitted with the credit bureaus on XX/XX/XXXX as well to show account is still inaccurately reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 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 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
While depositing checks at a Bank of America ATM on XX/XX/XXXX, the ATM malfunctioned and the funds were not deposited. It was 34 checks totaling over {$3000.00}. I notified the appropriate people at Bank of America and they started a claim. I was then sent a letter dated XX/XX/XXXX notifying me that they found only {$580.00} dollars and they closed the case. I called to correct the issue and the representative said the scans of all 34 checks were anvailable and someone cant add. She reopened the case and assured me the mistake would be corrected. I called again on XX/XX/XXXX to check on case and they had closed it, saying only four checks were found. I know for a fact I deposited 34 checks and they were scanned by the ATM. I called again later that day and a different representative reopened the case and told me to check back on XX/XX/XXXX. I am concerned that they will not deposit the funds. Due to incompetence on the part of Bank of America employees and the malfunctioning ATM, I am at a loss of thousands of dollars.

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 2023-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: C/C Financial
State: NC

Complaint narrative:
XXXX asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau XXXX XXXX ) XXXX then you must immediately inform them of my dispute with this debt. 
Reporting informatior you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX and XXXX 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 an account without my written instructions.

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

Both XXXX XXXX XXXX and XXXX are Violating my rights.

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 2023-01-28 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX and XXXX 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 an account without my written instructions.

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

Both XXXX XXXX XXXX and XXXX are Violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments and erroneous reporting on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. Please fix these accounts : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$0.00}

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 2023-01-28 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 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 2023-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Regional Management Corporation
State: TX

Complaint narrative:
Regional Finance has been sending me collection notices in the amount of {$2100.00}. This collection has been reported as pasted due balance. I do not know this company. I have never done business with this company. This company does not have not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX : {$0.00}

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 2023-01-28 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with non-monetary relief