vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc.
State: KS

Complaint narrative:
On XX/XX/22 I received a XXXX XXXX from XXXX XXXX XXXX in XXXX, Massachusetts. I received a bill for this service and have been trying to dispute this bill as I should not have been charged for the XXXX. They have since sent the bill to collections. I have been in contact with the both the hospital and the debt collection agency multiple times about this issue, yet it remains in collections. 

Debt collector- Action Collection Agency of Boston XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I recently sent a letter to Capital one asking them to send me the accounting that was used on my closed account that they are marking as charged of on XXXX, XXXX, and XXXX. They marked the account charged off in XXXX of XXXX. If the company indeed charged off the account, a 1099-C should have been issued to me no later than XX/XX/XXXX of XXXX. Capital one did not send the 1099-C and continues to pursue collection activities on an account they have already charged off. I paid the account off even though the company charged it off as a loss on their records making the charge off fraudulent. I am requesting that capital one comply with the cease and desist notice attached to this complaint and send me VALIDATION of the alleged negative accounts on my credit reports. If capital one doesn't comply with my request I will have no other choice but to report them to the IRS for TAX FRAUD. Please read the cease and desist carefully as to not violate the order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: FL

Complaint narrative:
On a recent review of my credit report I discovered XXXX XXXX issued late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

At the time I was living at : XXXX VIA XXXX XXXX, CA XXXX and the State of California issued mandatory stay at home orders starting XX/XX/XXXX and I was laid off from my job at XXXX XXXX XXXX. These mandatory stay at home orders were in effect until XX/XX/XXXX and I never regained my previous position at my employer. 

I am seeking to have these late payments completely removed from my credit profile due to government mandated lockdowns and the loss of my job because of it. 

I will include my account number with XXXX  XXXX on the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This was a debit card issued by Bank of America for pandemic unemployment benefits. The card was issued to me in my married name, XXXX XXXX de XXXX. I an back with my maiden name now, XXXX XXXX XXXX XXXX. 

My claim is for reimbursement of {$1900.00} that was misappropriated from my Bank of America XXXX card due to fraud. Bank of America has denied my claim more than once. 
My claim is for reimbursement of four debits to my card, as follows : XX/XX/2021 {$100.00} XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX {$1.00} The only branch that I ever use is the XXXX XXXX branch, which is walking distance from my home- I do not drive. None of the fraudulent withdrawals are from the XXXX XXXX branch. 

If you examine the balance inquiries that were made on my debit card, the fraud becomes clear. I always do a balance inquiry and then make my withdrawal. It is clear that some sort of data breach occurred at Bank of America in early XXXX  After that, fraudsters made balance inquiries from all over California and the US, and then withdrew the maximum possible amount when they found funds in the account. Each of the fraudulent withdrawals identified above was preceded by a balance inquiry. There were a number of additional balance inquiries by fraudsters, from locations other than the XXXX XXXX branch, that did not uncover available funds. Small mercies, I guess.

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 2022-07-13 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: PA

Complaint narrative:
Investigation Request Letter To whom it may concern : I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities and notice a few accounts that I wanted a little more explanation on. I am not saying that they are reporting right or wrong.I am just saying that I am not 100 percent sure if they are.I also read something the fair Reporting credit report Act where it said by law I had the right to challenge anything i am not sure is accurate.some of people reporting things on me.I have never heard of which made me write to you all Are you familiar with something called 15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.well, I want these accounts deleted if they are not 100 percent right and correct.so, could you please check on these and get back to me? I saw on a credit Site and Board where this lawyer said you have 30 days to complete this investigation.Please investigate the following accounts and remove them if anything is missing or not correct on them. 
I demand The following accounts be verified or removed immediately In accordance with fair credit Reporting act XXXX  XXXX Bank account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  Account # XXXX 15 U.S.C 1681section 602A. 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 account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: PA

Complaint narrative:
Investigation Request Letter To whom it may concern : I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities and notice a few accounts that I wanted a little more explanation on. I am not saying that they are reporting right or wrong.I am just saying that I am not 100 percent sure if they are.I also read something the fair Reporting credit report Act where it said by law I had the right to challenge anything i am not sure is accurate.some of people reporting things on me.I have never heard of which made me write to you all Are you familiar with something called 15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.well, I want these accounts deleted if they are not 100 percent right and correct.so, could you please check on these and get back to me? I saw on a credit Site and Board where this lawyer said you have 30 days to complete this investigation.Please investigate the following accounts and remove them if anything is missing or not correct on them.

I demand The following accounts be verified or removed immediately In accordance with fair credit Reporting act XXXX  XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  Account # XXXX 15 U.S.C 1681section 602A. 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 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 2022-07-13 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: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
I, XXXX XXXX, Consumers am aware Dated on XX/XX/2022 CFPB complaint ID XXXX that Yamaha Motor Finance Corporation U.S.A Stated Yamaha Financial Services is required to report accurate information to the credit bureaus : therefore we can not accommodate your request to remove the negative information : however, we have requested the credit bureaus to flag the tradeline as Disputed However,

Congress Policy under Gramm-Leach-Bliley Act makes it very clear that such Financial Institutions are REQUIRED to give their Customers/Consumers the opportunity to exercise their right ( s ) to Opt out of furnishing their nonpublic personal information ( See 15 U.S. Code 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) ). ( B ) the consumer is given the opportunity, before the
time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX Yamaha Motor Finance Corporation U.S.A CEO now all I, XXXX XXXX, need for you to do is clarify that youve complied with Federal Law Gramm-Leach-Bliley ACT as required to give me ( XXXX XXXX ) customer and consumer such opportunity to exercise my rights to Opt out of furnishing my nonpublic personal information. 

Respectfully, Thanks, Best Regards. 
XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Per certified mail tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Tona Mortgage, LLC
State: NY

Complaint narrative:
I went under contract for a home with Hometown Equity Mortgage , LLC dba the lender XX/XX/XXXX where I received a loan estimate for a {$290000.00} home at a 6.75 % interest rate including all closing costs rolled into the loan and down payment assistance with a prospective close date of XX/XX/XXXX. Due to a delay for an appraisal, we had to extend the contract until XX/XX/XXXX. I then received a loan estimate on XX/XX/XXXX of a 6.5 % interest rate with closings costs of {$22000.00} and down payment assistance. Apparently this occurred because the loan officer XXXX XXXX did not lock in my rate, for this she was supposedly fired but the lender still couldnt help me. Being that was not offered and closing day was near, my realtor and broker offered concessions to still obtain the deal. By XX/XX/XXXX, I was now receiving an estimate with a 6.25 % interest rate {$30000.00} in closing costs and excluding down payment assistance. I was told that I no longer qualified for down payment assistance and they do not know why nor am I allowed to use my earnest money or the offered concessions towards my down payment. I received 4 loan estimates all increasing every time I received a new one, although, I was finding solutions the lender continued to change the answers and/or reasonings every 2-3 business days asking for more money. It is now XX/XX/XXXX and we have extended the closing date two times for me to receive the answer that I must come up with 3.5 % of my loan excluding my earnest money and {$1300.00} that was spent for an appraisal. Behind that my lease expired XXXX, I am now XXXX XXXX and lost all of my fundings towards my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account DEPT OF ED/XXXX, Account # XXXX 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 this account without my written instructions. I have not given ED/XXXX, EXPERIAN, or XXXX permission to publish this information on my credit report. I am in good standing with ED/XXXX therefore publishing my student loan information in my report is unnecessary and illegal. This has caused a negative impact on my score which has affected me with personal business I am conducting on daily basis. The removal of this information would be greatly appreciated. I am not denying my loan and will continue to be on good standing.

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 2022-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tesla, Inc.
State: UT

Complaint narrative:
My solar roof was installed in XXXX of 2021. Since then I have been making the required payments on the loan, but the product has never been fully-functional. I am paying for a product that is not functional, and the company has been out to fix it several times, but they have not fixed it. It is still not operational and the company is no longer responding to me.

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 2022-07-13 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX, has violated my rights 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

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 2022-07-13 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: GA

Complaint narrative:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
This complaint is regarding accounts. Per tracking, its been several months no information given, no investigations performed and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Requesting that my XXXX late payment be removed as we weren't aware our autopay we had set up didn't go through. Our financial institution had a glitch and it was out of our control and we weren't notified otherwise we would've paid it right away as we have not had a late payment on this mortgage before.

Company response to consumer: Closed with explanation