vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I was sick with XXXX and called loan company billing department left several messages telling them I was in hospital with XXXX. i than spoke with rep who told me to pay as soon as I can and a note would be added to my account and I would not get a 30 day late on my credit reporting. I was hit with a 30 late anyway. I then spoke with a rep and was told to remove the 30 day late would be reporting false. please help me with this issue I had XXXX payment and this has dropped my score over 40 points

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 2023-04-14 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: Synovus Bank
State: CA

Complaint narrative:
I reported my card stolen. First progress proceeded to allow more than $ XXXXin unverified charges. First progress refused to respond to written inquiries and hung up on me when I called. 

It is now apparent that this was all fraud so they could steal my {$500.00} deposit. If that were not the car then I would have received the copies of the signed or pin verified charges. They could not provide them, so the intention was evident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I have submitted minimum 3 disputes per account below through XXXX XXXX to XXXX XXXX and XXXX with no help. 

The following inquires are not mine, I have no knowledge of them : XXXX : Inquiry XX/XX/22 XXXX XXXX : inquiry XX/XX/22 XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : XXXX XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX  : Inquiry XX/XX/22 XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Debt {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have submitted minimum 3 disputes per account below through credit karma to XXXX XXXX and XXXX with no help. 

The following inquires are not mine, I have no knowledge of them : XXXX : Inquiry XX/XX/22 XXXX XXXX : inquiry XX/XX/22 XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Debt {$970.00}

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 2023-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I AM REQUESTING OMBUDSMAN DEPARTMENT TO AUDIT MY INSURANCE/ESCROW ACCOUNT. THEY REFUSE TO REFUND FALSE FLOOD INSURANCE FEES, LATE FEES, ESCROW ADMIN FEES, AND HOMEOWNERS FORCED PLACED INSURANCE FEES OVER 10 YEARS TOTALING {$16000.00}. SEE ESCROW ANALYSIS STATEMENT XXXX. I LIVE IN A XXXX  XXXX, AND OVER THE YEARS, ALL MASTER BUILDING INSURANCE COVERAGE AND PERSONAL FIRE INTERIOR COVERAGE WAS EMAILED ON TIME. SEE COVERAGE FROM THE YEARS 2016 TO THE PRESENT. 

ALSO, THE ORIGINAL XXXX XXXX XXXX, AS A PRECEDENT XXXX NEVER REQUIRED INTERIOR COVERAGE SINCE OUR NEW XXXXXXXX XXXX  AT XXXX XXXX XXXX FLORIDA XXXX XXXX BUILDING ARE PREWIRED WITH SPRINKLER SYSTEMS/SMOKE DETECTOR ALARM SYSTEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: OH

Complaint narrative:
I have been a victim of identity theft and I have suffered from having unauthorized accounts and inquiries on my credit report. I did not consent to any of the accounts being open and this is ruining my reputation with the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: OH

Complaint narrative:
I have been a victim of identity theft and I have suffered from having unauthorized accounts and inquiries on my credit report. I did not consent to any of the accounts being open and this is ruining my reputation with the banking system.

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 2023-04-14 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: LA

Complaint narrative:
Account : XXXX ( Hospital visit covered by insurance ) According to FCRA, 15 US C 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without written instruction. Also, this bill was covered by insurance 100 % should not be in collections. I need it removed immediately.

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 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX, I went to the TD Bank on XXXX XXXX in XXXX, Massachusetts. I requested a letter from the bank with the following information : date account opened, total amount deposited in the past 12 months and current balance. I explained that the letter is for immigration purposes and was told that it wouldn't be an issue. The request went to headquarters according to the representative I spoke to and would be made available to me within 2-3 business days. A week went by and I didn't receive the letter or a call from the bank. I called the bank and requested the letter again. On XX/XX/XXXX I got a secure email with a letter from TD that has my available balance and average balance for 6 months. I called the local branch and spoke to the manger regarding the discrepancy. I explained that I need a letter with these specifications due to immigration asking. She later informed me that they can not generate that request for past total deposit for 12 months. I called corporate to file a complaint and was met with the same response. I am entitled to this information and it shouldn't be so hard. I want the institution to provide me the proper information as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 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: Security Credit Services, LLC
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX SecurityCred XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-04-14 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}

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 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2023, my wife assisted her brother with some Wells Fargo transactions. She has Power of Attorney of his affairs. On XX/XX/2023 my wife and myself were notified of our accounts closing. The reason they gave was pure foolishness as Ive had the same account for 3 years with no issues. The problem started today and Wells Fargo retaliated against us due to my wife advocating for her brother. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am very disappointed at this treatment and discrimination.

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 2023-04-14 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: ND

Complaint narrative:
When I check my credit report those account violate my right I never deal or sign any document With those company In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, those accounts for transunion XXXX and XXXX. Account that need to be deleted and investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do not have any account or business with those information or

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 2023-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
For years I have disputed Portfolio Recovery Associates with XXXX, XXXX, and XXXX and have repeatedly asked for PROPER validation of debt from Portfolio, as well as, asked XXXX, XXXX, and XXXX to verify information they are reporting is 100 % accurate, which is my consumer right and failing to do so is a direct and blatant violation of my consumer rights. XXXX, XXXX, and XXXX never investigated information they are reporting as 100 % accurate. In fact, each of them are reporting different information. If they all obtain their information from the same place, how is this possible? They refuse to remove inaccurate and unverified information from Portfolio Recovery Associates. Furthermore, Portfolio Recovery Associates continues to make representations about unsubstantiated debt. I have asked numerous times for Portfolio Recovery Associates to send VALID and SUBSTANTIATED documentation that the debt is valid, and that they are legally licensed to collect in the state of Texas. They never would produce any substantiated documentation. Often times, sending some copy of a credit card statement that I did not recognize, but could not produce anything more. They are still threatening to collect on debt that is past the statue of limitations. They are reporting the account inaccurately and without validation and as such, this has caused harm to my financial well being. They initiated legal action against me when it lacked proper documentation about the debt. 

Portfolio Recovery Associates did not provide the required disclosures when collecting on debts beyond the statute of limitations. Portfolio Recovery Associates committed numerous violations of the Fair Credit Reporting Act and its implementing Regulation V, which include : Failing to inform me about investigation outcomes : On numerous occasions when Portfolio Recovery Associates determined that my dispute was frivolous or irrelevant, it failed to timely inform me about what information would be necessary for Portfolio Recovery Associates to investigate the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: FL

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed.

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 2023-04-14 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 I did not make or authorize this charge. I am requesting that those charges be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Albert Corporation
State: ND

Complaint narrative:
{$140.00} was taken from my actual bank account, leaving me negative. I do not use this prepaid card any longer and would like my money back.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: GA

Complaint narrative:
Experian is reporting XX/XX/2022 as ND. They did the same thing for another account. I submitted a dispute and within 2 days they showed me 30 days past due which lowered by credit score by XXXX points which caused me emotional distress. I submitted another dispute with another account and its take them forever to resolve the issue. im expecting them to do the same thing with the currecnt acount im disputing. i need them to hurry up and ensure my credit reports accuratly and not ND because i made payments as promised

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 2023-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Im Trying To Open Up A Account Now The Other Accounts Was Opened Up As 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 2023-04-14 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$4300.00} DEPARTMENT OF CHILD XXXX Balance : {$3800.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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:
An account on my Report I am not aware of

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 2023-04-14 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:
An account on my Report I am not aware of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: MI

Complaint narrative:
The following hard inquiries are inaccurate and I did not authorize on TRANSUNION CREDIT REPORT after I notified them and sent report back in XX/XX/XXXX and kept following up with them : XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank ) XX/XX/XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/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 non-monetary relief