vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation
State: DC

Complaint narrative:
Tried to apply for XXXX credit card and was denied because they say they can not verify my address. 


I input my current and previous address and it still denied me based on that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
In Summary, Banco Popular of Puerto Rico sent information that is not accurate to the Credit Bureaus since I am still disputing a property tax debt with a government agency. Therefore, they were supposed to send accurate infornation after a debt final resolution and not before. Furthermore, to pay this debt the Bank accept an amnesty without my permission. For further details refer to letter attached. THANKS for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: LEXISNEXIS
State: TN

Complaint narrative:
I submitted a formal complaint to Lexis Nexis asking them to verify the bankruptcy on XX/XX/XXXX XXXX  XXXX case # XXXX filed XX/XX/XXXX that is on my profile with them they sent me a letter stating they verified the bankruptcy with a company called XXXX XXXX XXXX. I understand according to the Fair Credit Reporting Act 15 U.S.C. 1681g Section 609 they are to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit profile also I understand Lexis Nexis directly owned by XXXX which makes them " affiliated ''. As such, anytime an affiliate shares/furnishes information, with the FCRA right to privacy as a consumer, they are supposed to notify you before they furnish any information granting you the option to opt out and they didn't. 
Lexis Nexis is getting that information from a 3rd party XXXX and furnishing that information to XXXX, XXXX and XXXX without permissible purpose 604 15 U.S.C. 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
On XX/XX/XXXX I sent validation letters to two collection companies it is now XX/XX/XXXX with no response from either company. 
1 ) Wakefield and Associates collection XXXX XXXX XXXX XXXX, XXXX, Colorado for the amount of {$640.00} I dont even know what this is for or if this is even my debt, I just want it removed 2 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , Fl for 2 hospitals one the amount of {$2200.00} and {$1700.00} both were reported XX/XX/XXXX and I live in XXXX Mississippi , and was not even in the state of Arkansas or Oklahoma in the year of XXXX at all. I have requested that both of these collection companies removed the report from my credit, but neither one of them responded to my letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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: CA

Complaint narrative:
Am trying to buy a house, I realize I have damaged reports in my credit. 15 u.s.c 1681

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 2023-06-09 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: CA

Complaint narrative:
Am trying to buy a house, I realize I have damaged reports in my credit. 15 u.s.c 1681

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 2023-06-09 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: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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: MA

Complaint narrative:
XXXX XXXX advertised through various spokespersons that they changed their policy and would no longer report business XXXX XXXX cards to customers ' personal credit reports. I obtained this card only because of this promise. When I saw that the card did show up on my personal credit report, I closed the card and asked XXXX XXXX to remove it because it shouldn't have been there in the first place. XXXX XXXX refused to do that. I am attaching my letter to them and their response. Please notice that XXXX XXXX completely ignored the issue that I wrote about, and I hope that you will not let them continue to do that. I would like XXXX XXXX to explain, in great detail, the discrepancy between what their spokesperson said and what they actually did, with particular attention paid to every point in my letter. 

I have shared all of this information about XXXX XXXX 's deception with Experian multiple times, but Experian does not care about this deception. They say that if XXXX XXXX does not want to remove the card, Experian will not either.

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 2023-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
I receive a debt collection letter from Harris & Harris , LTD claiming that I owe {$1000.00} to XXXX. However, they added an additional fee of {$23.00} to the total amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: FL

Complaint narrative:
In accordance to 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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX However, they stated everything was complete and accurate. But, how's that possible If the date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A. States that I have the right to privacy. 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) 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 dates back more than 7 years.

15 USC 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance metro 2 credit reporting. I have evidence to prove my case.

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 2023-06-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: TX

Complaint narrative:
The debt was paid in full and canceled after initial term. This is from XXXX  over XXXX years. I notified the collections company that the debt was paid in full after term was satisfied. It is an alarm monitoring company. They have contacted me via my personal cell without permission. I have disputed it on my credit report and have notified them to remove this within 10 days. 

The contact is XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: MA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2023-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams, Rush & Associates, LLC
State: TN

Complaint narrative:
today XX/XX/23 around XXXX CT i was called from william rush debt collector and a woman called and automatically started trying to verify personal information which i told her i did not feel safe giving that information without knowing why she was calling and what company she is calling from. she stated well if you let me speak which i was and i was not rude and even calmly explained that i was and i restated i did not feel safe giving personal information without knowing what company she works for that and that's when she stated that i will just let them know to continue with their complaint and hung up on me. it wasn't till i called the number back at XXXX that the person who answered stated i was calling Williams Rush & Associates LLC and when i spoke that i was just called the line was disconnected again.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
For more than a year and three months, I have attempted to make contact with the ALLY company in an effort to satisfy my debt ( auto loan ) but only after negotiating a lower, more fair final price for my situation. I have made contact and so has my lawyer as well as close family members. We are sent back and forth between different departments or call centers and none of them are ever able to directly answer my questions or help me with this negotiation. I have had the same/ similar disputes with other companies and each time we are able to achieve a resolution and come to a reasonable agreement. I am aware also that class action lawsuits against this company are common due to their predatory lending techniques and unfair treatment of borrowers. 
I don't wish to pursue litigation against this company at this time. I solely prefer to resolve the situation so that we can mutually benefit from the negotiation. They receive payment of the debt and I have a written receipt of payment and derogatory information removed from my credit report. I understand a company having perhaps a staffing problem and maybe their negotiation department has been understaffed and that could explain the problem. I know however that a business is responsible for their employees as well as its " treatment of customers. I feel that I have received unfair treatment from Ally. I have wasted valuable time as well as energy and have suffered XXXX and XXXX related to the handling of my debt with this company. I have struggled to be present and mindful in both my personal and professional life. Since XX/XX/2022, I have made contact with ALLY either weekly or monthly. In XXXX XXXX XXXX I was finally sent a bill of sale for the vehicle which was repossessed and sold at auction. I have since attempted to negotiate a settlement with the company through the company 's online customer portal and by phone. All my attempts to reach someone who is willing to negotiate have been unsuccessful. The worst situations, multiple days in which I had been placed on hold by their redemption center, In house collections and ally account servicing for the entire day from XXXX XXXX cst to XXXX cst. I have also been sent straight to voicemails/answering machine to which I leave my information only to never have my call return. I feel out of options so that is why I am writing to consumer finance in hopes that something can be achieved or accomplished with reaching the ALLY company to resolve my account issue. Thank you.

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 2023-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: M1 Holdings Inc.
State: OH

Complaint narrative:
On XXXX I initiated a transfer from my M1 Borrow account to my M1 High Yield Savings. On the transfer page it says this should take a few moments. On the help link documented on the transfer page, this transfer scenario is not documented. I was advised by help that this could take 2-4 business days, but this is not documented anywhere and is in conflict with the " should take a few moments '' shown to the user when submitting a transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
I purchased my XXXX Kia XXXX outright at the end of the lease in XX/XX/XXXX and since it was titled in KIA Motors name they cancelled the registration and I was charged for new registration as proof in car purchase terms. I received a bill from Kia in XX/XX/XXXX for taxes for XXXX  year and I paid with check XXXX XX/XX/XXXXXXXX  for {$630.00} ( proof of check and cashed by KM ) then I received a tax bill from XXXX XXXX indicating I owed taxes for XXXX and if not paid then registration would be canceled. I paid again to them directly with check XXXX. I was told Kia never paid taxes but due to vehicle being in their name I couldnt check. I have tried numerous times with Kia to resolve without anything. They keep telling me different ways to resolve - last time was proof I turned in plates but I kept the plates as was given option and still on vehicle - registration is in my names I have submitted proof of all cancelled checks and correspondence and letters which they have failed to refund for paying taxes twice for same year and same vehicle.

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 2023-06-09 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: OK

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX  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

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 2023-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbal, and nonverbal, per 15 USC 1602 effective immediately. The privacy act of 1974 explains that it is illegal to report private information. Also I have sent motionable instruments XXXX XXXX, previous to this complaint, not only did they keep the instruments but they did not reflect the payments to my account. 

This company has also been contacting me regarding a debt. I have received letter in the mail to include the one attached explaining they were going to reposes the vehicle. 

This has been really trying for my mental health 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 2023-06-09 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I have previously disputed account asking to verify or delete as I do not recall having this account open. Credit report is stating that investigation has started and dispute has been resolved. I strongly disagree because I have not received any documentation stating that this account is mine, and that debt belongs to me. I see multiple inaccuracies besides account not being mine. Were information is missing as far as date verified and date has been closed. Date of last activity, date reported, date account had been open, date last payment was done along with credit limit are all inaccurate. Account has not been verified and I have no clue where creditor and bureaus are getting information from this account is not mine.

Company response to consumer: Closed with explanation