vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
A bunch of inquiries appeared on my credit report without me knowledge or consent. 
these inquiries are : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, APPLE CARD plus more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: U.S. BANCORP
State: FL

Complaint narrative:
A bunch of inquiries appeared on my credit report without me knowledge or consent. 
these inquiries are : XXXX XXXX, XXXX, ELAN FINANCIAL XXXX XXXX XXXX, XXXX XXXX XXXX CITIZENS BANK, XXXX XXXX plus more.

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 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XXXX XXXXXX/XX/2022 I received a notification from Capital One that my checking account is being closed on XX/XX/2022 because of a technical issue as they update their banking system. I've had this account XXXX years and it is intertwined with all my financial investments, direct deposits, credit cards, etc. I have never bounced a check or had a low balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/21 XXXX XXXX opened an account for someone who had stolen my identity. In the last couple of years there have been many unsuccessful attempts to open accounts in my name as my credit reports are frozen. The account number is XXXX and the account ID is XXXX. 
At the time I did contact XXXX XXXX by phone and told them the account was opened fraudulently. I never heard anything else about the account and assumed they had closed it. Recently National Credit Adjusters ( NCA ) opened a derogatory account in my credit reports attempting to collect on the debt. The debt is not mine and is fraudulently listed in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
The credit card company was reporting inaccurate. My credit card debt is paid per obligation of the United States. 

31 U.S. Code 3123 18 U.S. Code 8 15 U.S. Code 1692/1692e and 1601 Privacy Act 1974 - 15 U.S. Code 1692c

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I wrote a letter to TransUnion on XXXX about my consumer credit report. I requested an updated version of my consumer credit report ( Violation # XXXX ) I still haven't received till this day. I asked them who is XXXX XXXX? When was this name added to my consumer credit report? Who authorized the name change? ( Violation # XXXX ) My questions went unanswered. I asked them why don't I have a XXXX XXXX? My question still went unanswered. On XXXX, I requested a {$500.00} loan from my XXXX XXXX XXXX XXXX XXXX. I was denied. I requested a {$250.00} loan from my bank and I was denied again. I received XXXX statements of credit denial due to the fact that my bank based their decisions from TransUnion Credit Reporting Agency. On XXXX I applied for XXXX XXXX XXXX and received a denial letter based on the inaccurate TransUnion consumer credit report. I have more denial letters from my past. On XXXX, I finally received a letter from TransUnion dated XXXX file # XXXX in reference to my letter dated XXXX and all it contained was RE : unable to locate credit report dispute request. ( Violation # XXXX ) It took them more than XXXX  days to investigate and respond on my account. They also completely ignored all of my request.

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 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and 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 non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: ME

Complaint narrative:
I use the credit karma app and they have told me that I have been approved for a loan or credit card and that it would go on my credit report for just a soft read of my credit report. That was a lie I have so many hard inquiries now that my XXXX XXXX tanked. Any advice will help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates , LLC you failed to give me a right to dispute in your initial notice which you say was XX/XX/XXXX, I received the initial XX/XX/XXXX, which I immediately sent a dispute letter asking for validation of the alleged debt, you replied back about 5 months later saying you found no evidence of my disputes, but I have two returns receipt that states otherwise, and both receipts signed by the same person. PRA LLC according to FDCPA you in violation of 15 usc 1692e ( 8 ) you failed to report to the CRA 'S that this account is UNDER DISPUTE, according to FDCPA PRA LLC was supposed to cease desist all collection activity act until the alleged account was validated you continued to report according to FDCPA you are in violation of 15usc 1681b ( 2 ) Permissible Purpose to the consumer to whom it relates, I'm the consumer to whom it relates Permissible means- written instructions from the consumer, permissible purpose means consent, without permissible purpose means- identity theft. PRA LLC you said you didn't need my permission when does your company policy overrule FDCPA federal law rules? Do have a signed SSA Form meaning Social Security Administration of me giving you consent to have access to my social security number I know I didn't give it to you. PRA LLC stated I owe you an alleged debt XXXX I would like to know what the arising transactions was PRA LLC and I have for me to be obligated to pay your company for this alleged debt. 
According to law debt means ( transaction ) what instrument or goods did you provide me for me to owe you this debt. On my last attempt to reach out to your company you sent me a bill statement that is not a sufficient validation of this alleged debt. I need a contractual agreement between PRA LLC and I with my signature agreeing to this obligation. Also, it states on my consumer report I opened this account on XX/XX/XXXX but it says my first day of delinquency was XX/XX/XXXX so question to PRA LLC if I opened the account in XX/XX/XXXX How can my first day of delinquency be XX/XX/XXXX? That means this account was re-aged you are in violation of 623 ( a ) ( i ) ( a ) ( b ) false and misleading you are willing fully in non-compliance in the event you continue to report this that's a direct violation of the FDCPA for each violation I am subject to XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received a pre approval letter fromn Capital One to apply for a Spark Business Card. on XX/XX/XXXX. I applied online and instatly approved for {$5000.00} for my XXXX. on the same day i was asked to proved for a document that shows my social security number as well govenment issued ID which i provided. Capital one pulled my my credit score/history on XX/XX/XXXX. on XX/XX/XXXX, i received a letter saying that my application denied due to incompleter information or can not be verified. I called the number provided on the letter and spoke with XXXX initially and then XXXX ( supervisor ). they said that my application denied since they could not verify who I was. I told them that i provided my ID, SSN and a Letter from IRS showing my LLC information, plus you guys pulled my credit score on XX/XX/XXXX so i was not sure what else they need and i asked for them to let me know what else i need to privide. Their response was that they already decided before receiving full information and unable to reverse the decision but they would be happy approve if i re-apply. I submitted all requested document for verification on XX/XX/XXXX and the deadline to submit is XX/XX/XXXX so I am not sure why They decided to reject my application. Both representative seem to not be honest about the situation and could not be able to discuss further. I told them that the process to repply is easy but it will affect my credit score since there a hard credit inquiry with every application. both staff said, they are not familiar with how credit inquiry works and could not help me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
BANK OF AMERICA is reporting information on my credit report that is NOT permissible and inaccurate. They have violated my consumer rights under FCRA 15 USC 1692g, 15 USC 1681 ( 2 ) ( a ) ( i ), 15 USC 1681b. 

I have documented XXXX attempt for BANK OF AMERICA to cure the errors. However, they have been unwilling to fix these errors. 

See attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
On the day of XXXX XXXX I signed a contract with XXXX XXXX XXXX. At the price of XXXX with an interest rate of 5.99 %. I was not provided with the type of notice of my rights to rescission under the Truth in Lending Act ( TILA ), 15 U.S.C 1601et Seq this is required by federal. Upon reviewing my contract, oblations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant 12 CFR 1026.3 named Truth in Lending. Per the Congressional finding of TILA as well as my due diligence, " It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able during the consummation of the contract Infiniti Finance did not disclose my right to rescind. Thus being the case, pursuant 15 USC 1635 I have the rights to rescind my initial consent to pursue the pervious terms. I conclude this letter with a demand for you to return my initial down payment since you failed to mention that my finance charge was all I needed to complete the deal and that the cash payment was only of benefit to you. 15 U.S code 1635 ( b ) ( F ) I ask that you return my Down payment of within 20 days of this notice by law. 

You can contact me at XXXX or XXXX. I look forward to a speedy resolution to this matter. 

Best regards, XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: UT

Complaint narrative:
In the debt collection agency receiving my account information, I set up autopay to get the account paid off in a timely manner. There have been multiple issues with them not taking scheduled authorized payments then taking multiple payments at once. XX/XX/2022 and XX/XX/2022 are around the dates these issues have happened. Being they took no payments in XXXX, I am having to pay the rest of the account in full.

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 2022-09-06 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 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 non-monetary relief
Consumer complaint received 2022-09-06 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Re XXXX Acct XXXX XXXX {$120.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
On the day of XX/XX/2021 I signed a contract with XXXX XXXX XXXX. At the price of {$44000.00}. I was not provided with the type of notice of my rights to rescission under the Truth in Lending Act ( TILA ), 15 U.S.C 1601et Seq this is required by federal. Upon reviewing my contract, oblations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant 12 CFR 1026.3 named XXXX in XXXX. Per the Congressional finding of XXXX as well as my due diligence, " It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able during the consummation of the contract XXXX XXXX did not disclose my right to rescind. Thus being the case, pursuant 15 USC 1635 I have the rights to rescind my initial consent to pursue the pervious terms. I conclude this letter with a demand for you to return my initial down payment since you failed to mention that my finance charge was all I needed to complete the deal and that the cash payment was only of benefit to you. 15 U.S code 1635 ( b ) ( F ) I ask that you return my Down payment of within 20 days of this notice by law. I understand that I no longer have the car but will like my down payment money returned to me. 

You can contact me at XXXX or XXXX. I look forward to a speedy resolution to this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I have been trying to remove XXXX from my payments, since my home value has increased way over the amount to meet the XXXX requirements. I was in the middle of this process with a previous lender ( XXXX ) but during that, my loan moved to another company ( Freedom Mortgage ). 

I have provided the current, official tax apraisal that was done recently by XXXX XXXX which increased the valeu of the home from XXXX to XXXX. 

Now, they are coming back talking about seasoning of my current loan, that I need to wait, this was their reply : Please note, your request to remove your XXXX has been denied due to your loan not meeting the XXXX seasoning and XXXX XXXX XXXXXXXX. You may pay {$16000.00} to meet the XXXX XXXX requirement to remove your XXXX. Please see an attached copy of your XXXX XXXXXXXX Notice.

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 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/22 I received an email from Capital One that I had been hand selected and " Pre-approved '' to apply for a " Business Credit Card '' I filled out application with my Business Name and XXXX. My name and date of birth. I wasn't approved for the Credit Card but then I get notifications on my personal credit profile that Capital One has checked my credit. No notification or inquiry whatsoever from my Business credit monitoring service. Capital One baited me into applying for a business card with the pre approval and hit my personal credit report instead which I didn't give permission to do. I spoke with several reps for the company and was escalated to the highest dept and wrote letter asking them to remove this fraudulent inquiry from my personal report. To no avail.

Company response to consumer: Closed with explanation