vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I wrote a letter some time ago to Equifax regarding false information on the credit report. This blatant disregard for not caring if they are in compliance is ruining my life. I have been asked about these items in 2 while in the process of 2 different job interviews! According to FCRA 605B these items should be blocked after 4 days of receiving the complaint. It's been well over that mark and this needs to be solved immediately. They are breaking the law and violating my rights as a consumer. Section 611 says, refusal to investigate these items within 30 days is cause for immediate removal. I demand these items be removed immediately. 

XXXX XXXX XXXX XXXXXXXX Unauthorized inquiry Direct VIOLATION FCRA 605B, DELETE NOW XXXX XXXX XXXX XXXX Unauthorized inquiry Direct VIOLATION FCRA 605B, DELETE NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
ask for validation of debt over 30 days ago and they never sent it.

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 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP
State: NV

Complaint narrative:
My bank account at US bank never shows my accurate account amount. Number ours employees have informed me that it is an ongoing issue. The previous two weeks leading up to my account being in the negative I had charged from places I did not go charged to my account, then disappear and come back again. It then got to a point that my balance was changing with money showing up XXXX at a time and again disappearing l, every time nothing would show as to why this was happening to my account, meaning towers the end I had no idea why my account was going up and down on the amount of money. Multiple calls to us bank and not one person could tell me why, in fact, they couldnt see anything I was seeing on my end. This is alarming considering everything should be seen by the bank. I was given no explication at all. Then a little less then three weeks ago, I went to enjoy my night off, I go to get money out of my account and the ATM refuses, it states to call the bank, so I end up leaving and calling, where some more unprofessional and ridiculous things happen. A fraud alert was placed on my account, they said it was fixed so I left my home drive back down in attempt to salavage my night out but it doesnt work and does the same thing again. I call back and have to deal with it again, about forty minutes later, I was able to do one transaction to get my money but my account. I then see my email has us bank stating that I called to make sure I could use my card outside of the country. I did not ask that. I find it really funny that my account was so messed up and I got zero actual help but now that they feel I owe them money, which isnt true, I should be about XXXX positive. They decide to call me and act like they know what they are talking about. I have gotten no help, I have spoken to nobody who knew what they were doing, I have been told the system is messed up, ignored when telling telling them they owe me money and more insulting is the fact they are calling me over and over trying to get me to pay a balance I shouldnt have. Ive wasted hours of time trying to get help from them and my hours at work, working 6 to 7 days a week, doesnt allow me to go in and I am not going to miss work and lose more money because this bank has messed up. They need to fix this, figure it out and give me my money back, not me give them 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 explanation
Consumer complaint received 2023-04-24 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: GA

Complaint narrative:
Im not using any third party for this matter. I represent myself by myself. 
I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. 
I have filed FTC report for this matter and included this report in a package. 
Please remove these fraud items from my report as soon as possible : 1.XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 2. XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; 3. XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; 4. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA.

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This loan was paid in full and still impacting my credit negatively and I have asked multiple multiple times for it to be removed and its never removed from Experian, XXXX XXXX and 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 2023-04-24 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:
Experian is reporting an illegal public record. Report XXXX  XXXX claims this was certified via XXXX XXXX 

I find myself enraged, considering on XX/XX/23, XXXX XXXX certified to the CFPB that no Bankruptcy records are showing on my file.

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 2023-04-24 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX billed me for a car I never owned. I tried to call and t was still billed. I have no idea what this is for I have not owned a car in years.Now it is reporting on my XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
This is XXXX XXXX ( XXXX : XX/XX/XXXX, XXXX Account # : XXXX ). I am requesting that you submit an URGENT/EXPEDITED request to the appropriate parties ( XXXX, Credit reporting agencies, etc. ) asking that the duplicate amount of $ XXXX listed for XXXX  be deleted off of my credit report ( this should have been completed when XXXX became my new loan servicer in XX/XX/XXXX ). My total debt owed lists over {$220000.00} because of this error in XXXX reporting of debt ( one line for XXXX, $ XXXX and one line for XXXX, $ XXXX ). Please correct this error as soon as possible on my XXXX and XXXX credit reports, as I am quite frustrated with this situation. I am trying to apply for a car loan ( as my car is currently totalled due to water leaks ) but I am being denied by lenders/financers due to my current ( inaccurate ) amount of total debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: MA

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date they have not responded. 

The Following Account Is Not Mine COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Please remove it from my credit report. 
Because of incorrectly reported data, I require that your bureau verifies the XXXX ( XXXX Opened : XX/XX/XXXX, Balance : {$3000.00} ) account. I am unsure of the accuracy of the Balance of {$3000.00} that you report for this account, because I dont recall owing such a high amount. Your agency presented this account as closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed so that it won't have any further negative impact on my credit score. Additionally, I request from you to verify the Date Opened, Date of Status, and First Reported for this account. 
The following account was never late XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$1600.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Please correct this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery threatened me numerous of times about a credit card debt they took me to court and the judge ordered me to pay them it was for XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX account # 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX account # 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX  account XXXX account # 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 section 2 : 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 2023-04-24 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: World Acceptance Corporation
State: SC

Complaint narrative:
WORLD FINANCE ALLEGEDLY STATES THAT THE FIDICUARY XXXX XXXX OWES THEM AN ASSUMED DEBT OBTAINED AT ONE OF THEIR BRANCHES. I HAVE NO KNOWLEDGE OF SUCH ACCOUNT. THEY CLAIM THAT THE CONTRACT BEARING XXXX XXXX SIGNATURE GIVES THEM CONSENT TO REPORT THE ALLEGE DEBT TO THIRD PARTY AGENCIES BUT THE CONTRACT RECEIEVED ; DOES NOT HAVE A SIGNATURE BEARING ON PAGE 4 OF 4 " AUTHORIZATION TO COMMUNICATE WITH THIRD PERSONS '' ALTHOUGH, INITIALS ( TWO LETTERS ) ARE PRESENT IT STILL DOES NOT REPRESENT THE FACT THAT THE ACCOUNT WAS MADE TO XXXX XXXX NOR WRITTEN PERMISSION OR PERMISSIBLE PURPOSE TO REPORT SUCH DEBT. THE CONTRACT DOES NOT CLEARLY STATES THAT THE DEBT WITHIN THE CONTRACT WOULD BE REPORTED UPON DEFAULT. WORLD FINANCE XXXX VIOLATES THE LAW ACCORDING TO 15 USC 1605 REGARDING A FINANCE CHARGE. THE LAW STATES THAT WHERE THERE IS A FINANCE CHARGE IT IS DETERMINED TO BE THE SUM OF ALL CHARGES INCLUDING INTEREST, FEES, PREMIUMS AND ALL OTHER CHARGES APPLICABLE. WORLD FINANCE CONTRACT REPRESENTS THAT THERE IS A FINANCE CHARGE. WORLD FINANCE CORP CONTRACT INDICATED PROOF OF PPREDATORY LENDING UPON USURY. WORLD FINANCE CORP CONTINUES TO REPORT ON A CHARGE OFF DEBT AND ATTEMPTS TO COLLECT ON A DEBT THAT IS CHARGED OFF. WORLD FINANCE CORP ASSUMES XXXX XXXX OWES THIS DEBT. WORLD FINANCE CORP IS VIOLATING MY RIGHTS THAT CONGRESS HAS SET FOR CONSUMERS OPERATING IN COMMERCE. 
WORLD FINANCE CORP HAS DEFAMED MY CHARACTER AND DESTROYED MY CONSUMER CREDIT REPORT. 
WORLD FINANCE CORP HAS DESTROYED MY CONFIDENCE IN THE ECONOMICAL MARKET.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I contacted the company on XX/XX/XXXX via phone and email about a 3 fraudulent personal loans taken out in my name. I submitted documentation regarding account numbers, dates the accounts were opened as well as a identify theft report filed to the FTC. The documents were emailed on XX/XX/XXXX and mailed the following business day. I called XX/XX/XXXX and the investigation is still pending with no additional information to provide. I also requested additional documentation about the fraud activity, not being liable for the account and any documentation from the individual who requested the loans so that I can pursue criminals charges. Each time I call I am not given any additional information ; only that the investigation is private and it has been 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account XXXX account # 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX account # 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 section 2 : 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 2023-04-24 00:00:00
Product: Vehicle loan or lease — Loan
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: FORD MOTOR CREDIT CO.
State: TN

Complaint narrative:
Loan is five months from being paid off however the wrench symbol has begin to show on the dash. Have been told by the Ford dealerships that such light indicates a problem with the transmission in my XXXX XXXX XXXX XXXX. 

I have contacted each dealer in the city and fifty mile radius to have the issue evaluated but all require that you leave the car with them for a period of 11 to 14 days. While the mileage on my vehicle is only XXXX, the warranty will expire in XX/XX/XXXX. The cost to rent a car of {$500.00} per week. They don't provide a loner. 
Contacted Ford Customer Service which told me they would send me contact for Ford warranty but that has not happen. If the light indeed indicates transmission issues, my vehicle will be worthless and I will be without transpiration. It is grossly unfair and unreasonable to require someone to spend almost a XXXX dollars just to have their vehicle receive service of not be able to received a specific date to receive service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank
State: SD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 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 2023-04-24 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: VA

Complaint narrative:
This is XXXX XXXX ( XXXX : XX/XX/XXXX, XXXX Account # : XXXX ). I am requesting that you submit an URGENT/EXPEDITED request to the appropriate parties ( XXXX, Credit reporting agencies, etc. ) asking that the duplicate amount of $ XXXX listed for XXXX be deleted off of my credit report ( this should have been completed when XXXX became my new loan servicer in XX/XX/XXXX ). My total debt owed lists over {$220000.00} because of this error in XXXX reporting of debt ( one line for XXXX, $ XXXX and one line for XXXX, $ XXXX ). Please correct this error as soon as possible on my TransUnion and XXXX credit reports, as I am quite frustrated with this situation. I am trying to apply for a car loan ( as my car is currently totalled due to water leaks ) but I am being denied by lenders/financers due to my current ( inaccurate ) amount of total debt owed.

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 2023-04-24 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX ( XXXX : XX/XX/XXXX, XXXX Account # : XXXX ). I am requesting that you submit an URGENT/EXPEDITED request to the appropriate parties ( XXXX Credit reporting agencies, etc. ) asking that the duplicate amount of $ XXXX listed for XXXX be deleted off of my credit report ( this should have been completed when XXXX became my new loan servicer in XX/XX/XXXX ). My total debt owed lists over {$220000.00} because of this error in XXXX reporting of debt ( one line for XXXX, $ XXXX and one line for XXXX, $ XXXX ). Please correct this error as soon as possible on my XXXX and Experian credit reports, as I am quite frustrated with this situation. I am trying to apply for a car loan ( as my car is currently totalled due to water leaks ) but I am being denied by lenders/financers due to my current ( inaccurate ) amount of total debt owed.

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 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: AL

Complaint narrative:
The company sent me a letter via mail stating that they have attempted to contact me numerous times regarding an alleged debt and I am not responding and they are confused as to why. I do NOT have a written signed contract with them whatsoever. If there is a debt by me I was not notified as required by law that they purchased a debt and the details of the transfer of the debt example I REQUEST A CONTRACT WITH MY SIGNATURE STATING THAT I OWE THIS AGENCY THIS DEBT NOT A COPY OF OLD STATEMENTS AND PAYMENTS. 

15 USC 1692c. ( b ) 15 USC 1692c ( a ) ( 1 ) 15 USC 1692e 15 USC 1692f And most importantly 15 USC 1692g ( a ) ( 1-5 )

Company response to consumer: Closed with explanation