vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was out of the country since XX/XX/2021 and could not return due to XXXX. When I returned a few weeks ago, I found out my bank XXXX no longer exists in American and I involuntarily banking with Citizens bank. I wasn't able to receive any notifications because the country that I was in block websites like XXXX and XXXX where I have my emails with. The bank product that Citizens assigned me without my consent is so awful, not only that no interest is given to me, they stole my money by charging me maintenance fees and service fees, while there was no service provided. The bank frozen my money, after I reactivate it, they only refunded a portion of the fees. I am at XXXX fault and I do not consent to any of the fees nor the account type that they assigned, but the bank just kept saying " this is bank policy '', and refuse to be fair and reasonable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Possible Financial Inc
State: LA

Complaint narrative:
This is my email I sent to Possible Finance XXXX XXXX XXXX XX/XX/2023, XXXX PDT I received an late payment showing on my credit report. This is XXXX. Everytime I go into the app to make my payments I always have a XXXX problem with your app. I notified you a couple of times about your app. I want this taking off of my credit report. If not I going to my attorney. 

I know that the lender say it will take some time to fix it. I filed a dispute with the XXXX credit bureaus several times and I get the same exact that the lender sent back stating XXXX disputes this account information Charged off account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My First & Last name are as follows : [ XXXX XXXX ] My Current Street Address is as follows : [ XXXX XXXX XXXX XXXX, SC XXXX ] After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

My current address is : [ XXXX XXXX XXXX XXXX, SC 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 2023-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I noticed this month on my credit report that there was a XXXX credit card open towards the end of XXXX and that there has been a balance due every month. I dont shop at Macys and have not open a XXXX  card ever. Its negatively affecting my credit score. I have reported with Macys directly, they instructed me to also report here

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 2023-07-11 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: FL

Complaint narrative:
In accordance with 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.

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 1681c. ( a ) ( 5 ) Section 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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 2023-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
So in 2020 during covid 19 I was out of work for 11 months and fell behind on a few car payments through bridgcrest in wich I have 3 late payments on my credit report for all 3 credit bureaus in the past 2? 5 yearss I have been back to work and haven't been delinquent one time I spoke with bridgrest the tell me there not allowed to request the late payments be removed from my credit report. There really hurting my score rite now and I need to get approved for a new home in less than 2 months I've tried everything please help!

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 2023-07-11 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: CT

Complaint narrative:
In accordance with 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.

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 1681c. ( a ) ( 5 ) Section 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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 2023-07-11 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a 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 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Back in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Department called me regarding suspicious fraud charges on my account # and I confirmed the following as fraud. 

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX When I received my statement, they had reversed a charge that was actually legitimate and I immediately advised them of same. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX After numerous phone calls, and a letter written in XX/XX/XXXX, this still remains unresolved and I am making payments and incurring interest to date. At this point, they owe me money. 

My Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ive called Bank of America numerous times and went over the status of my account with them before they decided to close it saying that I owe them over {$600.00}. I dont understand why this is happening to me again. I already was a victim of identity theft and i believe i submitted my identitytheft.gov complain number. Im just lo looking to get this resolved with Bank of America as soon as possible as they have now reported me to check systems and XXXX cant even open up a new credit union account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Collectors International, Inc.
State: CA

Complaint narrative:
I received a call from this debt collection agency XX/XX/23 claiming XXXX  XXXX XXXX XXXX XXXX is attempting to pursue litigation, I advised the rep this was an error and Id call the pet hospital. After speaking with the hospital they indeed confirmed the file was sent over in error. 

I called the agency back to obtain an ID # and or complete name of the women that made the call as she failed to state the XXXX XXXX. I was transferred over to XXXX, he refused to provide me with any details and stated I used a XXXX slur and that I needed to call back in a calm manner. He claims he is not required to provide me with any information and terminated the call. All calls are supposed to be monitored and recorded, I like a XXXX to call me back so we can discuss how they are in violation of the FDCPA and additionally, how he wrongfully accused me of of making XXXX slurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-07-11 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: CT

Complaint narrative:
In accordance with 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.

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 1681c. ( a ) ( 5 ) Section 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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 2023-07-11 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: CT

Complaint narrative:
In accordance with 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.

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 1681c. ( a ) ( 5 ) Section 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
In XXXX I went into the XXXX store in XXXX Indiana with my XXXX cousin, because she was looking to purchase a vehicle. I wasnt looking to purchase anything, because my vehicle was almost paid off I only had about {$300.00} dollars left and the truck was mine paid in full. The guy that was helping my son look for a vehicle, but then she decided not to buy from them. So the car sales man talked me into getting a vehicle, and I did the application an it came back that I needed a co-signer an he asked me if I knew anyone that would help me, and I said yes which is when I asked my grandma to and she said yes. Well I got approved with my grandma being the first one on the loan and me second. Not too long after that I found out that I was XXXX  which the XXXX was XXXX XXXX, and I couldnt work so I went to the XXXX store to explain my situation to them, and they told me that I had to speak with the loan company which was credit acceptance and I did to inform them that I was voluntarily returning the vehicle due to me not being able to work because of my XXXX XXXX XXXX I ended up losing my house, and moving in with my grandmother with my XXXX XXXX XXXX So in XX/XX/XXXX I received by mail that I was being sued by them for the remainder of the balance of the vehicle after they sold it in auction for over {$9000.00} dollars. I was not served a court date by the company by law enforcement for any of the court dates. The only court date that I was given was for them to garnish my wages, and I attended the hearing and the lady that came said that she wasnt a lawyer, and asking me so many questions which I answered them honestly informed her that I could not afford to have my wages garnished due to me being the sole provider for my XXXX children and I take care of my grandmother too. She said that she would talk to the company about me making monthly payments that was on XX/XX/XXXX and I have yet to hear from the company. I feel like the XXXX store and the loaner knew that I would not be able to make the payments and talked me an my grandmother into a contract illegally targeting me and my grandmother.

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 2023-07-12 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:
The following inquiries was not authorized by me : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I purchased an officer chair in XXXX the company kept saying it will be there in another 2 weeks every two weeks. So to ensure I did not lose the opportunity to file a dispute, before the 60 or 90 days I cant remember what the limit is at this time, I filed a dispute for my money back in XXXX. They have been " resolving this case for 7 months without ever issuing me credit. So I am out {$700.00} even after complying with their requests and send tons of documents. That they will only accept by fax of course to make things more difficult for people. Why they are unable to accept scanned images viz email is beyond aside from the likelihood they just want to make it more difficult to complete disputes. But XXXX has gotten so big they either aren't monitoring these branches run by banks or they just don't care. But whoever is in charge of XXXX  XXXX XXXX XXXX  of America credit card disputes needs to get your department under control. So meanwhile I have been out {$700.00} for 9 months with the same script statement every time I call. We are waiting for their side to do the research. How does that make sense, I bought a product I don't have a product, the tracking number I gave you showed the item wasn't delivered to me. What is the hold up in issuing my money back to me! How do you not need to reimburse me for the time value of my money being gone for this long! This is so unfair and I am sure that they will not receive any type of punishment for allowing this company to steal my money. If you check the reviews there are hundreds of other people who never received their merchandise from the retailer either. XXXX are thieves and Bank of America is complicit because they refuse to honor my dispute and return my money.

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 2023-07-11 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: FL

Complaint narrative:
XXXX, Experian XXXX XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL inquiries reported was fraud. Said company has 4 days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX, Experian XXXX XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, Experian XXXX XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report, if XXXX, Experian XXXX XXXX does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX :, Experian 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 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 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 firms to audit consumer account XXXX XXXX us securitizing consumers data yet refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit 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