vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 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: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my 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 2022-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my 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 2022-02-23 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: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I refinanced my home in XX/XX/2022. 
I decided to pay off 4 of my credit cards. 
Bank A is XXXX Bank. 
Bank B is Citi Bank. 
Bank C is a not to be named bank. They received their check, cashed it and posted to my account- no issue. 
Bank D is a not to be named bank. They received their check, cashed it and posted to my account- no issue. 

The title company mailed me my copy of my new and notarized loan docs along with 4 checks made out to a specific bank- to pay off each credit card. 
[ 1 ] The title company [ XXXX XXXX XXXX ] sent me the check made out to Bank A for {$6400.00}. I added a hand written note indicating what the check is for and the credit card account number the check is to be applied to. 
[ 2 ] The title company [ XXXX XXXX XXXX ] sent me the check made out to Bank B for {$7700.00}. I also added a hand written note indicating what the check is for and the credit card account number the check is to be applied to. 

After a week I went on the banks website and noticed that the payment was not applied, I called my loan officer. I called me back and told me the title company has the cancelled checks from BOTH Bank A and Bank B. He sent my copies of both checks - then front of the check and the back of the check. He also gave me the date and time Bank A received and processed their check and the date and time Bank B received and processed their check. 
I called each of the banks customer service phone numbers and after talking to numerous people in each bank I was able to open a CASE regarding this issue of loss of payment and applying to my respective accounts ; thus I have Case XXXX with Bank A and a case XXXX with Bank B. 

Both banks promised quick service [ a lie ] ; Bank A gave me a conditional credit until this issue is resolved ; Bank B said that I will have to make a payment until this is resolved [ including added interest ]. 

Also both Bank A and Bank B told me this will be resolved within 2 or 3 business cycles. They DO NOT HAVE THE STAFF TO WORK ON MY ISSUE.

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 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
ABILITY RECOVERY SERVI is attempting to collect a debt that is not mine/a result of identity theft. Furthermore, ABILITY RECOVERY SERVI did not inform me of any such collection prior to reporting it on my credit report, which they are required to do so. By law, I should be able to request verification of the debt which I was not even given the opportunity to inform them that I have been a victim of identity theft.

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 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aspen National Financial, Inc.
State: FL

Complaint narrative:
I felt forced and coerced into entering this agreement with XXXX XXXX During the presentation, they always sold it as only good for today deal. My sales representative would state that we would be cheating ourselves out of great vacations and not giving our children the opportunity to own and enjoy at no charge. This is not true, as these vacations cost much more than if we were to book outside of it. There are additional fees for almost everything, and the maintenance fees and taxes increase each year. They made renting or selling sound so much simpler than it is. They even stated that if at any point I did not want it, I could just sell it back. No one is looking to purchase this property, as it has no value. At the presentation, I certainly felt as though I understood the contract, but I had to find out later down the line all the facts of it and what was never mentioned to me by the salesman who was representing XXXX XXXX timeshares. Had everyone been honest about what was written on there, my decision would have been much different, and I would not be in the predicament I am today. I have reached out to XXXX XXXX about my desire for cancellation and the hardships this has brought upon me. I am addressing XXXX XXXX through a series of complaints. 

XXXX XXXX has since sent my account to a collection agency, Aspen. At no point did I agree to work with Aspen and I have no intention of involving myself with Aspen, especially not for a misrepresented contract. They are trying to collect money for a company that mishandles its members. I sent a cease and desist to Aspen, but they keep impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 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: OH

Complaint narrative:
I applied for credit on XX/XX/2022 using lending tree. Despite having a XXXX credit score, I was denied based on inaccurate information on my credit report. 

I was told there is a credit hold, despite this not being true. I feel this was used an excuse and in reality I was denied because of my age. 

Marcus by Goldman Sachs listed XXXX as a credit report source, however when speaking to a rep, she told me Marcus by Goldman Sachs does not use human, they use an AI Algorithm. The rep then said they use XXXX XXXX. However this was not disclosed IAW Fair Credit Reporting Act After speaking to XXXX, they verified no such credit freeze exists. I think I was denied illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXXXXXX account XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with Fair Credit Reporting Act US BKPT CT IL XXXX account XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX XXXXXXXX XXXX account XXXX, XXXXL XXXX account XXXX, XXXX XXXX account XXXX, XXXX CARD account XXXX, XXXX account XXXX, XXXX account XXXX, XXXXL XXXX account XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX XXXX account XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 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 2022-02-23 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: AZ

Complaint narrative:
Auto now financial, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$9200.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$470.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible .Self Financial / Lead BA, AC # XXXX, XXXX, Amount {$40.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible .Chrysler Capital, AC # XXXX XXXX XXXX, Amount {$8100.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible Credit Acceptance, AC # XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX XXXXXXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible.

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 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Advanced Portfolio Group LLC
State: MO

Complaint narrative:
On XX/XX/2022, at XXXX XXXX, I was contacted by a XXXX who did not identify himself, from what I later discovered was Advanced Portfolio Group located in XXXXXXXX XXXX XXXX XXXX This XXXX disguised his number by using XXXX, a number with an area code belonging to the XXXX  XXXX XXXX along all with government offices and departments of the state, to call my phone. He demanded I return his call at XXXX about a 'location report ' being conducted at my address, demanding that I verify my physical location. The voicemail he left has been saved by me as evidence. Advanced Portfolio Group is deliberately misrepresenting themselves and using false or deceptive tactics.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete the following ACCOUNT from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Stellantis Financial Services US Corp.
State: LA

Complaint narrative:
In XX/XX/XXXX I was asked to be put on the fresh start program due to laid off due to work decline from COVID affecting the company I work. After being placed on the program I was informed by first investor financial that I wouldnt have a payment due until XX/XX/XXXX. I made payment arrangements to pay XXXX at the end of XXXX. I received a email from first financial on XX/XX/XXXX to contact them because my car may be up for repro referral. My car was repossessed at the same time I received this email not giving me time to resolved the issue at hand. The car was repossessed on XX/XX/XXXX. I was also told that my car was scheduled to be repossessed since XXXX XXXX. First investor financial took and processed a payment for me on XX/XX/XXXX and then told me on XX/XX/XXXX that they cant take payments from me since my car was repossessed after already taking a payment from me on XX/XX/XXXX. I was informed by a first investor financial collection at the end of XX/XX/XXXX that I was in fact in the fresh start program and didnt have a payment due until XXXX and another in 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 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello A transfer was made to a non-existent or closed XXXX account which was linked to my Capital One savings account in error. I submitted multiple requests to reverse this ACH transfer at both XXXX and Capital One, but no one has been able or willing to assist. Full details of the transaction are below for reference : XXXX Account Number : XXXX XXXX Routing Number : XXXX ACH Trace Number : XXXX Capital One Originating Account Number : XXXX Capital One Originating Routing Number : XXXX ACH Date : XX/XX/2022 Amount : {$67000.00} Capital One has confirmed these transaction details but XXXX has been unable to locate the transfer through any means.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently checked my credit report and seen fraudulent activity.XXXX XXXX is saying I owe $ XXXXThe paperwork/Their proof is saying the debt belongs to a female.Iam a male and I will attach the proof. 



This fraudulent debt that belongs to a female I dont know of or never lived at the address thats on the paperwork/Their proof.This have cause me not getting approve for a new home and it became depressing not being able to provide for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and I noticed some inconsistent and inaccurate information on my credit report I then proceeded to contact the credit reporting agency to correct the inconsistent and inaccurate information but they did not fix the information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MD

Complaint narrative:
We closed our XXXX XXXX account on XX/XX/2021 and were told that our final payment of {$440.00} would cover the final billing cycle due to end on XX/XX/2021. On XX/XX/2021, we received our next XXXX bill through XX/XX/2021 even though we had terminated the service for {$230.00}. They automatically billed my credit card which was erroneously still on file even though we had terminated service. A dispute with my credit card company was resolved in my favor. XXXX then sent me bills and sent the bill to collections. This charge is one for AFTER service was ended and after we were assured by XXXX we had paid our final bill for service through XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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:
I closely monitor my credit score through Experian. My credit score has dropped by a total of XXXX points in the past 2 months. This is in spite of the fact that I have no late payments reported, and the fact that my balance overall across all accounts is the lowest it has been in over 30 years. In fact, several of my accounts are at a zero balance. I have contacted Experian, but have been unable to get any explanation as to why this is happening. They basically told me that they had no way of answering the question.

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 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I received no notice of debt owed. The only way I found out about the collection was through an alert from the XXXX XXXX app on my phone. I received no phone calls, emails or mail from this company, yet they are reporting an account that I had with them. When I initially disputed this through the credit bureau, the account was simply updated to paid, but I never paid them directly. When I called for more information, they said that I should reach out to the original creditor, but it made no sense because it shows that I have an account with them that was. Even after requesting information in writing, I've received nothing.

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