vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 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: U.S. BANCORP
State: OH

Complaint narrative:
I purchased a XXXX  XXXX XXXX from XXXXXXXX XXXX XXXXXXXX XXXX in Indiana. Once I got home in Ohio, I realized that the odometer in the car doesnt match the paperwork. I called back to dealership and spoke with the sales associate that sold me the car ( XXXX XXXX ). Expressing my dissatisfaction in the sale and asked was there something we could do to correct the situation. I was told the general manager would contact me the following Monday on the matter and never got a return call. I called back to the dealership after going to the XXXX in Ohio and was told the vehicle would be registered with a branded title due to mileage not being accurate. I again reached back out to the dealership and still no resolve. I later heard from the title clerk asking questions about the mileage of my trade. She stated that there was a mistake on the mileage document and needed to be resigned. I once again mentioned the odometer issue and she asked for me to send photos of the odometer of my vehicle. And also stated that the general manager would be contacting on what can be done on the matter. I again called the dealership and spoke to the general manager and he stated that he isnt going to do anything with the ongoing situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: GA

Complaint narrative:
I am a living human being and I have rights under 15 U.S.C. 1681. 

XXXX is governed by 15 U.S.C. 1681and they have violated my rights on numerous accounts. I demand the accounts listed below to be removed because according to 15 U.S.C. 1681 : I have the rights to privacy and I did not give XXXX XXXX or Experian written permission to furnish these accounts. 

XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXXExperian XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX Account # : XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Experian XXXX Experian XXXX Account # : XXXX Account XXXX : XXXX XXXX Experian Account # : XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX Account # : XXXX Account # : XXXX Experian XXXX Account # : XXXX Experian XXXX Account # : 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 non-monetary relief
Consumer complaint received 2022-11-01 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: CA

Complaint narrative:
its been 30 days since I've sent my dispute letter to no avail.THIS IS A VIOLATION OF MY CONSUMER RIGHTS ON ALL BOARDS PLEASE UPHOLD THE LAW AND REMOVE AND UPDATE 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
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN is reporting inaccurate information about me. Here are all the inaccuracies on my credit file : XXXX XXXXXXXX XXXX I do not owe a debt to this company. 

XXXXXXXX XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX I do not owe a debt to this company. 

Dept Of EdXXXX ( all 9 accounts are inaccurate ) I do not owe a debt to this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' Remove XXXX  XXXX account from credit report 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 non-monetary relief
Consumer complaint received 2022-11-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' Remove XXXX  XXXX account from credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: CO

Complaint narrative:
XXXX, Experian, XXXX XXXX, and XXXX are proposing the account details of my XXXX  XXXX bankruptcy, in addition they are reporting the XXXX XXXX car agreement with XXXX XXXX as not paid off. I paid off the vehicle and am in good standing with XXXX XXXX. 

Please, fix these two issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
I sent my letter on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 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 CONVERGENT OUTSOURCING : XXXX XXXX XXXX XXXX XXXX XXXX Also I have attached the letter sent out. 
According to the FCRA the term Investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit reports showing the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I did not use have the services since it was XXXX XXXX XXXX. I called to cancelled but was told it was not possible. I would asked to settle the debt for {$1000.00}. 

Account Ending In XXXX | Log In Get in touch with us, we'll help you through this Hi XXXX, A friendly reminder that your CARECREDIT/SYNCHRONY BANK account is past due. 
Current Balance Total Minimum Payment Due Past Due Amount Non-Past Due Amount {$3300.00} {$250.00} {$100.00} {$140.00} Due Now Due XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Collection company has closed the account and changed balance owed to XXXX. Credit report still shows a balance of {$410.00}.

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 2022-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: TN

Complaint narrative:
The account holder of the auto loan have made payments desired for the loan. When payments have been made, the company does not accurately input the information regarding to decrease credit score tarnish credit history such as delinquents.

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 a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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: GA

Complaint narrative:
I have request that the reporting company to remove the inaccurate information that is reporting on credit report. I was a victim of ID theft along with the Equifax XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. The inaccurate info is currently reporting on my file. Here are following inaccurate accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS YOU CAN SEE THESE ARE FRAUDULENT ACCOUNTS. I have request to have these items remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I have been contacted and verbally abused by representatives from Pro Collect. Numerous times I have told them I am not responsible for the debt and asked for information about the account. I have been berated and falsely accused of owing money and was told that they would continue calling me every day until I paid. When I asked to speak to a supervisor I was told they would not connect me to a supervisor and would note in the account that I refused to pay. When I explained that I'm contacting them for information on howI can resolve this matter I was hung up on. The rep continue to call me by my incorrect name even after repeating several times to her that I was not the person she was looking for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
Received a letter from " Linebarger Goggan Blair & Sampson, LLP '' stating I owe {$490.00} in unpaid court dues to the from an unpaid traffic violation in XXXX XXXX dated XX/XX/15. Not only can I prove I was not within XXXX XXXX on the day in question, I never once received any correspondence about this supposed violation prior to this letter. This letter also does not list any details about the vehicle that was supposedly involved in this violation. In XXXX  the name of this " law firm '', it appears multiple people are being targeted by this same scam in multiple states.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I am a single mother with XXXX daughters and XXXX XXXX XXXX 30 days ago I spoke to a representative from Golden One Credit Union Bank ( XXXX ) for my car loan. I informed them of my basic need to reduce the amount of my monthly payments to something more affordable since my income had reduced dramatically. I also informed them that this loan is owned by myself and my ex-husband, whom is currently incarcerated and there is an active restraining order. There is also a no contact order which makes it impossible to receive a signature. 

That being said they have decided to not allow me my price reduction on my car loan due to this signature that I simply can not obtain. They then transferred me to their collections department stating that they could find a program that could further assist me and I have since received no further assistance or information to assist me in this issue. 

I also wanted to include that when they initially assisted me with the issue, I was informed that they could help me, but that I would need to submit a loss mitigation packet which would take 20 days to process for an answer to consider a decision. After I waited the 20 days and filed all the paperwork, only to have a superior tell me that they would have never assisted me with the reduced payments without my ex-husbands signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
opened account XX/XX/2022, promised in writing {$300.00} bonus. Never received. Almost 9 months later they are committing fraud on a multi-depositor and interstate basis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter is a response and an additional complaint. To XXXX. 

My complaint mentions ONLY me not having access to my experian credit report for two years. That is again is unacceptable. I also was denied from many lenders for having ZERO credit. I was told they saw no information on my experian report. I applied for a home and was told the exact same thing. They could not get any information from experian report. 

In your reply you mentioned I am currently on a free membership. But failed to mention from your research, that it was due to me not having any updates for the first XXXX months of XXXX. I canceled my membership because no one would fix my profile to show me my score. I watched my score daily. I was very active in assuring my profile was correct. I have spoken to several people at your office, every department. NO one has ever offered to update my address. Back in XX/XX/XXXX I removed every address that was incorrect from my file with a representative on the phone And as you said in your reply, instead your company removed EVERY ADDRESS IN ERROR. NOT MY ERROR. 

I have asked for compensation and you have avoided accountability for the frustration you have caused these last XXXX years. I expect the money back for not having access to my file while paying a membership. And NOW I WANT PAYMENT FOR EACH DENIAL AND EACH PHONE CALL I WAS TOLD TO CALL A DIFFERENT DEPARTMENT CASUING ME TO GO IN CIRCLES. As well AS EACH LAW YOU HAVE BROKEN. 

I now have to dispute items with ( your company ) experian that have already been removed from other bureaus. 

I WILL SETTLE AND ACCEPT COMPENSATION OF {$20000.00} FOR BOTH YEARS OF ALL THE FRUSTRATION. IF YOU DO NOT COMPENSATE ME FOR YOUR ERRORS I WILL HAVE NO CHOICE BUT TO TAKE YOU TO COURT. 

I have recorded phone calls. And all pictures and denials.

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 2022-11-01 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:
I did not approve my credit pulled from the companies below I didn't authorize and I need them deleted immediately XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/202XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CDS Debt Relief, LLC
State: TN

Complaint narrative:
on XXXX, I spoke with XXXX XXXX and by the way I have spoken with him and his supervisor XXXX on several occasion and when I would ask them for some kind of paperwork or just even call my creditors, they said they have but when I spoke with my creditors, they never heard anything from XXXX XXXX XXXX, CDS. All three of my creditors are now in charge off and I asked them for my full refund because this company have not and did not do what they promised, I can be reached at XXXX and yes i have their number XXXX, thank you for your help with this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01 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: CO

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.

Account name : # XXXX Account name : # 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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: CO

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.

Account name : # XXXX Account name : # 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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: IN

Complaint narrative:
On XX/XX/2022, there was an unauthorized attempt to open a credit card account with XXXX XXXX resulting in a hard inquiry with all three major credit bureaus.

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