vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
Upon entering the Ford dealership in XXXX we were there to lease a vehicle for our business. We told the dealership what we wanted and everything was a go. Even had us put down a {$100.00} deposit to hold the vehicle. Upon agreeing and after the payment was taken we were told Ford wants to go with a smaller vehicle but that would serve no purpose to us as a business which ww stated and on top of this now there is inquiry on my credit that I did not want espically if we as the consumer are not allowed to dictate the terms. This needs to be addressed asap. We have already gotten our intent to sue letter and intend to do as such if this is not addressed. Seems really bias to me. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
I am a victim of identify theft, which resulted to someone opened an auto with the lender Prestige financial for {$25000.00} using my personal information such social security and legal name. I have been in contact with XXXX credit bureau for more than 60 days of the on-going claim of fraud, after countless of legal documents and requested information they still failed to see the evidence on my file number # XXXX. I have attached documents for proof of this claim for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
XXXX XXXX, {$3000.00} Representative stated to me that paid off balance will be reported as {$0.00} agreed upon because of my fast payment. United Auto credit corp did not have my permission to run my credit threw different lenders for approvals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: NJ

Complaint narrative:
Ive sent letters off and receipt confirmation on XX/XX/2022 From Equifax. Here is my United State Postal article # XXXX and received confirmation from XXXX XXXX, confirming Equifax did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to

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 an account without my written instructions AND I did not give anyone written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I confirm with XXXX XXXX  that my account is paid in Full and closed back on XX/XX/2022. It is showing closed on XXXX on my new credit report... .but it showing " Open '' in Equifax XXXX 

I need Equifax to show this account is already paid and closed. 

I spoke to XXXX XXXX  and they said, it is a problem with the credit reporting agency. 
I need to file a dispute to get my credit report corrected. As far as they know... they sent out to all 3 agencies that my account was paid in full and closed and a refund for overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ) : XXXX I Disputed this account, and nothing was sent to me to legally verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: NJ

Complaint narrative:
Ive sent letters off and receipt confirmation on XX/XX/2022 From Transunion. Here is my United State Postal article # XXXX and received confirmation, confirming that Transunion did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to 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 an account without my written instructions AND I did not give anyone 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 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX I opened up my first bank account with Bank of America. I was advised to open up the account from a college preparedness class I was enrolled in from the High School I graduated from in XXXX. 
The processes to opening the account was fast and easy there were not any charges or cost that came with doing this. 
I applied for financial assistance through FAFSA.GOV I was approved to receive loans and grants to help assist in being a student attending the University. 
In XXXX I began my University experience. 
XXXX is the same year my bank account started to experience fraud. The amount of aid I received was being stolen. 
I held a regular XXXX XXXX  job since turning XXXX years old and my paychecks averaged out to be nothing over XXXX. 
My FAFSA.GOV award was a large quantity, much larger than any regular transaction happening within my bank account. Looking through the bank activity right away might of helped with acknowledging the fraud activity going on but that was the mistake I did. I took too long. Yes I file taxes but the amount I receive is very small like XXXX. 
In XXXX I received money from a law case the amount was XXXX there was fraudulent activity and the money went missing. I didnt get to spend this money it was stolen. The amount compensated for the vehicle that was involved in a car accident and it was not able to get resolved because the money was taken from the account. 
XX/XX/XXXX I made a call to Bank of America they sent me statements from XXXX to XXXX The written statements show the balance but the problem was never resolved.

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 2022-06-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Dept of Education/ 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 2022-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
A fraudulent credit card was opened using my information at Bank of America. I received a notification the day after it was opened via a credit monitoring service. 

I called them that day and told them the card was opened fraudulently. They stated they would close the account immediately. I later received a statement that there was a balancing owing, about the same as the credit limit on the card. 

I contacted Bank of America again and they said the account was closed. I asked them about the amount owing and they said it takes some time to clear up. Now two months later I have a negative mark on my credit report. I called them again and they began demanding I pay the balance! I said it was fraud and they said " we've closed the account. '' and were unwilling to readily resolve the issue putting me into transfer XXXX back and forth between departments, none of which wanted to solve it and instead transfer me back to the department that sent me to them. 

At this point I will be working with CFPB and my state 's Attorney General to resolve what amounts to negligence on the part of Bank of America.

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 2022-06-07 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Finacial - XX/XX/XXXX Ally Financial - XX/XX/XXXX 2 hard inquiries as a result of fraudulent attempts to open a car loan using my own personal information. I have sent 3 certified letters to Ally and reached out to the creditor to remove these 2 hard inquiries from my report. Final letter sent on XX/XX/XXXX. I have received no response. Please remove these 2 inquiries from my credit report. These hard inquiries are fraudulent and have been done without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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:
I am a victim of identity theft and have inquires posted on my report, as well as accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ACCOUNTS XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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:
I am a victim of identity theft and have inquires posted on my report, as well as accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXE XX/XX/XXXX XXXX XX/XX/XXXX ACCOUNTS XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On XX/XX/XXXX, a {$4400.00} check was sent to pay my Carnival Mastercard account ending in XXXX Issued by XXXX XXXX. The check was cashed by them on XX/XX/XXXX, However, the payment was never applied to my account. As of today XX/XX/XXXX, the payment has still not posted. I have made several calls to them to no avail -hey kept telling me it would take 7-10 days for the payment to post-each time I would wait the 7-10 days but still no posting. A copy of the cashed check was sent to them on XX/XX/XXXX. I also wrote to the office of the president of XXXX XXXX. I received a call from them today saying it would take ANOTHER 30 days for the issue to be resolved. This is totally unacceptable. They have {$4400.00} of my money with no credit on my account to show for it They have a copy of the cashed check-they should be able to track it down. I am out {$4400.00}, and they do not seem to care at all. Meanwhile my account keeps accruing finance charges on the remaining balance. I have been making the minimum payments ever since just to keep them from ruining my credit

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 2022-06-07 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: FL

Complaint narrative:
XXXX XXXX, {$3000.00} Representative stated to me that paid off balance will be reported as {$0.00} agreed upon because of my fast payment. XXXX XXXX XXXX XXXX did not have my permission to run my credit threw different lenders for approvals.

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 2022-06-07 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: Capital Accounts, LLC
State: CA

Complaint narrative:
The complaint is against CAPITAL ACCOUNTS. 
I received a letter from them about an unpaid bill, and right away I responded with a letter ( will be attached ), and disputed this collection for a couple reasons. I will be disputing this for several reasons, this bill was a malpractice job and I tried taking the doctor to court for malpractice. I doctor did not follow up to collect the money until I received a letter in XXXX, from a collection agency. Not to mention that this debt collection agency is doing unlawful collection, from a bill that was billed in XX/XX/XXXX. This bill by California law is uncollectable, it has been 8 years already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: IL

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ) : XXXX I Disputed this account, and nothing was sent to me to legally verify this 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 non-monetary relief
Consumer complaint received 2022-06-07 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: VA

Complaint narrative:
A credit card account was opened without my permission in 2016 with XXXX  XXXX XXXX. I sent XXXX XXXX XXXX a letter a week after it was opened telling them it wasn't authorized. They did an investigation and sent me two letters confirming the account was unauthorized and that they would send out notices to the major credit reporting agencies. 

When the account did not come off of my credit reports I contacted all three bureaus and sent them the letters from XXXX. XXXX and XXXX both removed the account from my report however, Experian has refused to correct this inaccuracy on my report after filing two disputes with supporting paperwork from XXXX  XXXX XXXX confirming I did not open the account. 

I'm not sure what more I need to dispute this account or why disputes even exist if they don't actually remove factually incorrect information. 

Experian is completely wrong here and there needs to be some type of oversight.

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 2022-06-07 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: NJ

Complaint narrative:
Ive sent letters off and receipt confirmation on XX/XX/2022 From Transunion. Here is my XXXX XXXX XXXX article # XXXX and received confirmation, confirming that Transunion did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to 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 an account without my written instructions AND I did not give anyone 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 2022-06-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested from experian to remove address XX/XX/2022. Experian refuse to remove address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl.XXXX  This address does not belong to 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 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: NM

Complaint narrative:
AWA Collections has been reporting a collections debt in {$55.00} to credit agencies every 2 weeks for last last couple of months. They did not do this legally and it negatively affecting my credit. 

I have not been contacted by AWA Collections. They have not contacted me by phone, they have not contacted me by mail, or by electronic notifications. These are fraudulent tactics by AWA I have no knowledge of what this {$55.00} dollar debt is that they are trying to collect or why they are representing. I have no known delinquent or late accounts. 

AWA Collections has failed to legally notify me or verify this debt before reporting to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: AL

Complaint narrative:
I did not apply nor authorize XXXX XXXX  to run my credit for a credit card.

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 2022-06-07 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: AL

Complaint narrative:
I did not apply nor authorize XXXX XXXX  to run my credit for a credit card.

Company response to consumer: Closed with explanation