vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX, XXXX, XXXX ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORTS. THERE SHOULD NOT BE ANY DERROGATORY OR DELINQUENT ACCOUNTS ON MY REPORTS AND THE ACCOUNTS IVE UPLOADED DOCUMENTATION OF ARE NOT MINE SO THEY NEED TO BE REMOVED IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Business Factors
State: CA

Complaint narrative:
I paid my medical bill XX/XX/XXXX in full. I got a letter today XX/XX/XXXX saying my debt has gone to collections and has built interest. The letter I got was dated XX/XX/XXXX. I have tried calling the company with no answer and no success. I have proof and receipts that my debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My identity was stolen, and an account with XXXX was opened using my information without my consent. I reported the information to the company, and they are refusing to remove and delete the account. I have gotten a police report and have shown evidence that the account does not belong to me. In accordance with the FCRA, the accounts listed have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681B. This law states any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. These accounts were obtained fraudulently under an address. that I have never been associated with that is now reporting on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: TX

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.

The letters are stated with items and issues. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. 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 2023-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I purchased a vehicle for what I thought was XXXX financed through credit acceptance corporation. However I did not know that my interest rate was XXXX percent which made the total purchase amount around XXXX. I purchased a XXXX XXXX XXXX used with around XXXX miles. I had to request a copy of my vehicle agreement because I didnt understand how I was paying XXXX a month for 72 months in XXXX which they never sent me the documents from the beginning. XX/XX/XXXX my vehicle was totaled. I had XXXX coverage through the lender. The other young lady insurer paid around XXXX and XXXX picked up the rest of the original loan amount before the interest rate of XXXX percent. However XXXX acceptance has been reporting missed payments and a open loan status for this vehicle ( XXXX XXXX ) and another vehicle ( XXXX XXXX ) that they also financed me for in XXXX that was also totaled and the insurance company paid off. This company has blocked my access to the account history because I contacted my state attorney general here in North Carolina about how they were doing fraudulent acts and keeping me from obtaining credit or even housing because of those false claims on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2023 US bank decided to close my account for no reason. I told them I had a direct deposit coming in from treasury department for my social security payment. They explained to me over the phone that my account wouldnt be close. On XX/XX/2023 I went to US bank at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States to access my money that came in from my direct deposit. At this time they wouldnt allow access to any of my money and said my account was being closed. I explained to them I was facing eviction that I needed access to my money. Furthermore, they wouldnt provide me any documentation stating my account would be close. I trusted US bank with my money, and I feel they are being negligence with my account and my money. Please help me hold them accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I received an email offer from Ally Bank stating that I was " pre-approved '' for an Ally Bank credit card. The offer stated that I would receive {$200.00} after spending {$500.00} on the card. I received XXXX of these emails within one week. Obviously, since I received 2 emails, Ally Bank must have checked me out to determine that I was " pre-approved. '' The offer is misleading. In most cases, " pre-approved '' means that you qualify unless the company determines that the information you provide in the application is false or can not be substantiated. Ally Bank must have checked my credit report to determine that I was " pre-approved. '' The application process then asks me for employment, asset, and income information. Ally Bank misleads consumers to believe that they are " pre-approved '' for a credit card, when, in fact, they are simply fishing for a consumer 's financial information in hopes of marketing other products to the consumer. Ally Bank and other financial institutions should be STOPPED from using the terminology of " pre-approved '' when the financial itself has reached out to the consumer with the " pre-approved '' offer. As I stated earlier, I received the same email solicitation from Ally Bank within a 1-week period XXXX 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 explanation
Consumer complaint received 2023-08-08 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX has violated my rights under 15 USC 1681 section 602. It states I have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX has violated my rights under 15 USC 1681 section 602. It states I have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 Account Number XXXX XXXX XXXX {$3200.00} POSTED ON XX/XX/2019 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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: MI

Complaint narrative:
There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( SERVICE XXXX  XX/XX/2023 XXXX BANK XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX OF XXXX XX/XX/2023 ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them 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 2023-08-08 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: SC

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. 

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 explanation
Consumer complaint received 2023-08-08 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: NY

Complaint narrative:
I am writing to formally dispute the presence of an inaccurate hard inquiry on my credit report. The inquiry in question is attributed to XXXX XXXX and has had a negative impact on my credit profile. 
Upon reviewing my credit report, I noticed that a hard inquiry from XXXX XXXX was listed, dated XXXX XXXX. However, I have not initiated any credit-related activity or authorized any credit inquiry from XXXX XXXX XXXX or around that date. 
I must emphasize that this inquiry is not reflective of any credit application or authorization made by me. I have taken proactive steps to maintain a responsible credit history, and any unauthorized inquiry goes against my efforts to manage my credit responsibly. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am formally requesting a thorough investigation into this matter. I kindly ask that you promptly verify the accuracy of the XXXX XXXX hard inquiry and provide a detailed explanation of its origin.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
When Goldman Sachs Bank USA purchased XXXX XXXXXXXX XXXX  sponsored XXXX XXXX from the last owner ( XXXX  XXXX? ) and started conducting business as " Marcus '' sent a flyer promising {$25.00} bonus " earnings just by stetting up your account and confirming your profile. '' See Ex " 1. '' we immediately did that on their new Website " Marcus. Com. '' Every time we called Customer Service, they promised that the bonus earnings credit will be paid within 90 days. That 90 days has been over nearly 2 years ago. We have not received the advertised bonus earning of {$25.00}. 

We want response in writing -NO TELEPHONE CALLS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently filed a complaint for investigation # XXXX. The investigation took more than 40 days. I never got a copy of the Investigation Results through US mail.

Regarding your method of verification : I want to know who you spoke to, who you interviewed, and how you determined the information was factual. Which neighbors, friends or associates you spoke with. Please provide names and addresses. I am looking for a detailed description of what happened. You guys assumed this role without my permission and did not have my consent. You did NOT respect my RIGHT TO PRIVACY! You did not exercise your grave responsibility, you were unfair and you were partial. You did not have a permissible purpose. I never instructed you guys to furnish this report.

I AM DEMANDING the following accounts are deleted off my report. 

XXXX  XXXX XXXX # XXXX should not be on this report! You are violating MY RIGHT TO PRIVACY! 

XXXX XXXX XXXX XXXX # XXXX should not be on this report! You are violating MY RIGHT TO PRIVACY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NC

Complaint narrative:
I wrote a letter on XX/XX/2023 to Apple Bank after not being able to get through to them either by phone or website. It is attached below. I have gotten no response. 

I have had a number of IRA CDs with Apple Bank that have been renewing for about 40 years. After trying in vain to reach the bank by phone or on the website in order to roll over these accounts into my XXXX retirement account, I wrote a letter. As with the other avenues of contact, this one too seems to be inaccessible. They have not responded to my letter just as they have not picked up the phone ( their service is absolutely impossible ). I have spent hours during the day holding on or on a waiting list for for call backs to no avail. I have a similar issue with the website, which will not accept my credentials. In the meantime, they send me notices about the automatic renewal of my CDs, which are at very low interest rates. This is an unfair and unacceptable banking practice. I dont understand how a bank can legitimately function this way. I have not been able to roll over these accounts, and now I want to cancel the accounts altogether, but can not get in touch with APPLE BANK to do so. I'm beginning to suspect some kind of fraud. 

I wish to close out my accounts as soon as possible. I do not wish to keep my funds in a bank with no possibility of customer contact and I believe this should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
A fraudulent account was opened in my name I've never had any business with frost Bank. Once I received a letter saying an account had been opened I called and reported it as fraud. Now I've received a copy of a fraudulent check that someone cashed on the fraudulent account for XXXX and it had been sent to frost banks loan recovery department. I've spoken with the bank and there recovery department and explained this account was never mine and I've never had business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: GA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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