vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/2022, I walked into the Truist Branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida. I needed to open up a business account. I recently became an XXXX and was previously a sub XXXX XXXX client. I already had a personal account and checking account with Truist ( formely Sun Trust ) The Branch Leader XXXX XXXX invited me to his office where we worked through opening my business account. I sat there while he told me to sign items electronically that came through my email via phone. He then informed me during the process " congratulations, you have been approved for a business credit card with a $ XXXX limit '' I said " I was not going to use your company for a business card. I was going to open a XXXX business account because I like their points and I have a personal card with them already '' He then said " well you need a business card anyway, you are already approved, we have one with travel mileage you can earn '' I was a bit taken back and trying to absorb what happen. My XXXX XXXX is in the XXXX and thought, i dont want to take another hit on my credit. So he showed be the travel one and selected that one. I went home and thought it through. What gave him the right to run my credit and approve me for a card without my permission. I reported by calling with in 48 hours. I have repeatly have requested an update and I have been told its still under investigation. Ive told many reps on the phone and everyone just apologizes but no one has a manager call me back or anything. I feel violated and I question why I still have any accounts with them. I have now found out that the travel card has a yearly fee and I dont travel for business. Now I am not sure how I will even justify that to my accountant. I have been banking at the same institute for over 30 years ( through mergers etc ). This should not happen to anyone else

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 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
MY NAME IS XXXX XXXX MY WIFE XXXX XXXX IS A TARGET CREDIT CARD HOLDER WHEN MY WIFE OPENED THIS ACCOUNT IN 2001 SHE PUT ME DOWN AS A REFERENCE AND TARGET PUT ME DOWN AS A CARD HOLDER WHICH IS PUTTING AN IMPACT ON MY CREDIT REPORT. I ASKED MY WIFE TO REMOVE ME FROM THE ACCOUNT AND SHE WAS TOLD THAT IF SHE REMOVED ME THEY WOULD HAVE TO CLOSE THE ACCOUNT WHICH WILL HAVE A NEGATIVE IMPACT ON HER CREDIT. I WAS CURIOUS AND CALLED THEM. I TOLD THEM COULD MY WIFE ADD ADDITIONAL CARD HOLDERS THEY SAID CERTAINLY!! WITHOUT CLOSING ACCT? THEY SAID YES SO I ASKED THEM. LET ME GET THIS RIGHT SO ITS OKAY TO ADD BUT NOT DELETE CARDHOLDERS!! THAT A CONFLICT OF INTEREST. THEY LOVE YOU WHEN YOU HAVE PLENTY OF CARDHOLDERS BUT WHEN TAKE THEM OFF THEY PUNISH YOU BY FORCING YOU TO CLOSE YOUR ACCT AND PUT A NEGATIVE IMPACT ON CREDIT SCORE. I CALL XXXX XXXX, XXXX, XXXX XXXX, XXXX. ETC, NO PROBLEM DELETING CARD HOLDERS AND LEAVING ACCT ACTIVE. I ASKED TARGET IF THIS RULE WAS IN THEIR TERMS AND CONDITIONS AND SUPERVISOR WAS UNABLE TO FIND IT. TARGET NEEDS TO BE INVESTIGATED FOR THEIR CONFLICT OF INTEREST AND UNFAIR PRACTICES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I am a victim of Credit Acceptance ( CAC ) deceptive loan practices. Their deceptive practices include their algorithmic determination for loans, how that algorithm is then used to incentivize dealers to overly inflate vehicle prices, how the true cost of CAC credit is higher than disclosed on the CAC loan agreements and they are quick to reposes a vehicle once they hear from you that you will have difficulties with the loan payments. 

I purchased a vehicle through CAC in XXXX and made timely payments until I fell on financial hardship. In XXXX I reached out to CAC to attempt to resolve or lower my payments to no avail. I reached out again in XXXX to try to turn the vehicle in but received no feedback or assistance and repossessed the vehicle within 24 hours of me trying to turn it in.

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 2023-02-27 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: TX

Complaint narrative:
Unauthorized credit inquiry by creditors are reporting fraudulent inquiry into my crtedit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: GA

Complaint narrative:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting 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 non-monetary relief
Consumer complaint received 2023-02-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Solar Mosaic LLC
State: ME

Complaint narrative:
Mosaic Inc. fraudulently reported an $ XXXX loan on both my credit report and my husband 's credit report. I received notification from my XXXX Credit Report of the loan reported. I initially contacted the XXXX XXXX, XXXX XXXX XXXX  on XX/XX/XXXX of the fraudulent report. The representative told me the financing is done through a third-party company, Mosaic Inc ( which we were unaware of ). I reached out on XX/XX/XXXX to Mosaic via email and never heard a response. The salesperson from the XXXX XXXX sent an email confirming we never completed any loan applications on XX/XX/XXXX. I sent a follow up email on XX/XX/XXXX. Later that day Moasic Inc did respond complaining I did not contact them from the email they have on file. I immediately send another email on XX/XX/XXXX from the correct email address. 

I have submitted a complaint to the XXXX XXXX XXXX  on XX/XX/XXXX. I received a confirmation from XXXX  later that day confirming they received my complaint and are reaching out to Mosaic Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: LA

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.

They have violated my rights. 

Account name : # XXXX  Acct XXXX XXXX Account name : # XXXX Acct # XXXX Account name XXXX XXXX XXXX Acct # XXXX Account name : # XXXX XXXX XXXX Acct # XXXX Account name : # XXXX Acct # XXXX Account name : # XXXX Acct # XXXX Account name : # XXXX XXXX  XXXX Acct # XXXX Account name : XXXX XXXX XXXX. 
Acct # XXXX Account name : XXXX XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct # XXXX Account name XXXX XXXX XXXX XXXX  Acct # XXXX Account name : XXXX  XXXX Acct # XXXX Account name : XXXX  XXXX Acct # XXXX Account name : XXXX XXXX Acct XXXX XXXX Account name : XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct 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 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 explanation
Consumer complaint received 2023-02-27 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: NY

Complaint narrative:
My name is, XXXX, XXXX XXXX a federally protected consumer. My rights under the FCRA has been continually violated. 
Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending
State: WI

Complaint narrative:
I am providing a copy of a solicitation letter I received from Clear Path Lending. This letter is VERY misleading and, in my opinion, exhibits an intention to confuse and concern the recipients. This letter implies that a loan has already been made at a previous time and that payments are coming due in the near future. It is very difficult to ascertain that this is a letter soliciting business and not a notice of payment on an existing contract. Is there anything that you can do to control the communication of these companies so that they are required to be transparent in their intentions? I generally just toss these in the trash, but this one was confusing for both me and my husband. I felt this warrants a complaint.

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 2023-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DriveTime
State: PA

Complaint narrative:
The company drive time repossessed the car in 2016, removed it from my credit report for over 5 years and then just put it back on 8 years later. I attached the contract and will continue monitoring this company before proceeding legally in 30 days from today

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 2023-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was reviewing my credit report and noticed so items reported on my credit report. I noticed the listed debts below on XXXX, Equifax and XXXX ). I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

I have made several attempts to send validation of these debt. I have still not received with 30 days of any proof of this debt.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax 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 2023-02-27 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Good afternoon, Claim number XXXX On XX/XX/2022 I noticed a transaction in my Bank of America credit account ( visa ) of XXXX dollars, I called the bank to find out whats about, the customer service informed me that its related to XXXX airline tickets, I was advised to speak with airline company for more details, I spoke to the company they stated that there was 4 tickets booked from XXXX to XXXX in upcoming XXXX and those tickets were purchased online using my credit card, I informed them that I havent made this purchase and never gave the permission to anyone to make on my behalf and subsequently asked for cancellation where I was told these tickets are not refundable and I should contact my bank since I havent booked them, I called back Bank of America and reported a fraud claim and I admitted that I havent made this purchase, the customer agent cancelled my card and sent a new one and claim was initiated, several weeks later I received an email stating that my claim is not approved bc the airline have my email address and phone number, I reopened the claim again and stated that I havent purchased these tickets, they kept asking if I suspect anyone from the family but I dont if someone else booked them or the airline made these bookings since I have bought a lot tickets through XXXX XXXX in the past, the claim was reopened again and investigations started, this Saturday I received a new email stating that Bank of America is not responsible and will not pay for this. I have been trying to call the customer service but each time I start talking about this issue they hang up or transfer me to a different department. I cant pay for something I havent purchased and Im just looking for justice.

Please feel free to contact me for further information.

Thank you so much for your help and assistance.

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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am XXXX, XXXX XXXX a federally protected consumer who's rights under the FCRA has been repeatedly violated from inaccurate and unverifiable information. 
Please see attached

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 2023-02-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MA

Complaint narrative:
This happened on XX/XX/23 once for XXXX dollars, it also happened on XX/XX/23 for XXXX, XXXX, and XXXX several times when my credit card was charged from XXXX XXXX mobile. I tryed to reach out to XXXX but got nowere because im i dont know what these google charges were from. I do have a XXXX account that i use only to back up my photos i checked my XXXX account and i did not see any of these transactions in my account such as subscritions or play store purchases.When i looked up the merchant XXXX XXXX mobile i saw similar complaints about unautherized purchases, i tryed to contact them about the purchases and got nowere. I had contacted my bank write when i saw these purchases, i am always checking my balance because this is my income card for XXXX for my rent and other bills monthly. I had just recieved my first child survivor bennifit days before of XXXX dollars so i new that i had money on my card. I was watching a movie at my moms house that weekend because every weekend i spend at my moms with my son to do laundry.So we had watched the movie and i decided to order some doordash for dinner, tryed to place my order several times and my card would not go through. i was confused so i checked my bank card app and my balance was XXXX dollars and then i saw all the pending purchases from XXXX XXXX mobile.I immeditly called my bank card to disput these unknown charges that i did not authorize.the women on the phone was like oh my got there are so many charges. so i was sure they were going to help.They did not after about a week i got the paperwork saying the denied my disput.They said the transactions were not unauthorized that i must have made them. I was very upset at this point so called them back because they didnt even give me a option to apeal the decision, they told me to email them an apeal letter and i did. Never heard a thing back, so i called again they siad my case was closed and that i needed proof i was in jail or the hospital at the time, i was confused. I called legal services they said to try attorny general they said to try consumer finacial protection. I just want my money back i did not make those transactions. I dont think that the people on the phone at direct express were trying to help me.I have had to disput a transaction before and did not have a problem, i thought i had a right to my own money. ther were about XXXX transactions in all some were XXXX, XXXX, and XXXX all from XXXX XXXX mobile.I dont want this to happen again that was alot of money that was taken off my card and i want this resolved. it was my sons survivor bennifits i dont undrestand. I dont have any proof of anything because i dont even know what XXXX XXXX XXXX is. i Looked them up but i am still confused why i would drain my own account and leave me and my son broke for the rest of that month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27 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: I.C. System, Inc.
State: NJ

Complaint narrative:
I had a XXXX account that I used to pay monthly with my XXXX XXXX credit card. I disputed an erroneous charge. I won the dispute. The XXXX XXXX dispute number for the dispute theat I won is # XXXX XXXX XXXX XXXX. XXXX, illegally sent this charge to be collected by I C System who then, without any notification placed it with XXXX as a derogatory 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 2023-02-27 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: TN

Complaint narrative:
I filed a dispute on my Equifax credit report against XXXX XXXX reporting my XXXX XXXX account as past due for XXXX dollars. Equifax determined that XXXX incorrectly reported the past-due amount and changed the XXXX XXXX payment status. This dispute was filed on XXXX/XXXXXXXX ( The same month that XXXX stated that the amount is past due, how can XXXX XXXX payment be past due and it was reported past due in the same month ). XXXX is committing fraud and needs to be bared from this continued harassment because they disagree with their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

Company response to consumer: Closed with explanation