vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I was a cosigner on an account with Ally Financial account # XXXX. This account was paid every month on time. When the lease was up the borrower returned the vehicle to XXXX XXXX on XX/XX/2021 ( see attached ). For some reason I am showing a balance owed on this account and that the account is currently in charge off status. I have tried to resolve this matter. I am not getting anywhere I hope you can help.

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 2023-02-15 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX {$1200.00} This is not my account I have ask for them to verify the information that I sign and any record showing me thats its my account I have yet to receive that they are reporting false information to my credit report which is by law needs to be removed

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 2023-02-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 

XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX -XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXEQUIFAX XXXX XX/XX/XXXX. -EQUIFAX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX. - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXXXX 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  On XX/XX/XXXX I reached out to have these inquiries investigated and nothing has been done about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
I owed a debt for an apartment I rented with another individual. The debt is for the same amount or less than this one. I made it clear my intent to vacate. I was still charged for months I was not even occupying the unit. The collector says the debt is on hold. Is there any recourse for this error? 
Here are the details of the erroneous charge. 

Per your request, below is the original creditor information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX If you have any questions, please feel free to contact our office at XXXX ; if you are a XXXX XXXX XXXX resident please call XXXX. Hours of operation XXXX XXXX XXXX XXXX EST. 
Sincerely, Hunter Warfield , Inc . 

Creditor Name XXXX XXXX XXXX  Creditor Account # XXXX XXXX XXXX Account # XXXX Balance Due {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For about 8 months I have been going back and forth between XXXX and Bank of America to try and get this fixed. I am not receiving my payments by direct deposit, instead I am encumbered by receiving paper checks and though it may not seem like a big deal it is when you are relying on that payment just to stay afloat and it takes the paper check an exrtra week to get to my house that Im not always at because I have to travel for a loved one I care for. You can see how exhausting and inconvenient this is after both parties deliberately refuse to assist me in making this account function just like anyone else. Both parties have neglected me and deliberately refuse to even provide an ounce of customer service. Half the time they wont even answer the phone.

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 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
I went on covid forbearance and am in the process of trying to bring my loan current. Loan Depot refuses to consider me for a streamlined loan modification and is only offering me deferment. I would like to request assistance perusing XXXX Flex Modification per the letter that was sent to me explaining my different options to bring my loan current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently attempted to get a vehicle for my business and found out my credit was an issue. 
Upon pulling my credit to review it, I noticed issues with the amount of addresses on my report that do not belong to me. Possibly ID theft or mixed up with someone elses information. 
I sent a letter to have the information removed from my credit report. 
I received a letter from XXXX XXXX whom I placed a freeze on to prevent my information from being misused and are now saying they are investigating my information. 
I didn't ask XXXX XXXX to investigate. I asked the credit reporting bureau to remove this information from my file.

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 2023-02-15 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: IL

Complaint narrative:
XXXX XXXX XXXX XX/XX/2023 {$1200.00} This is not my account I have ask for them to verify the information that I sign and any record showing me thats its my account I have yet to receive that they are reporting false information to my credit report which is by law needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Credit card from GM Goldman Sachs was mailed to my home. I never requested or opened an account from GM so I contacted # XXXX, found out card was open in XX/XX/2022 and all purchases were made one line without the card. I have reported the issue with them and closed the account also reported it as fraud. Please advise if there is anything else I should do. They have charged XXXX. I do not want to be held responsible for something that is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I personally met with IRS yesterday ( on XX/XX/2023 ) and IRS is asking the Fifthird Bank to provide proof that IRS was requesting the fund {$7000.00} to return to IRS, Which is stated in the third Paragrap of Fifthird bank letter dated on XX/XX/XXXX XXXX, stated ( Please be aware, we received notice from the Internal Revenue Service ( IRS ) that several checks that were deposited into your account ending in XXXX, were invalid and the IRS was requesting the funds be returned. The hold was placed on your account, by our Bank Protection Department, and funds returned to the IRS for {$7000.00} ) I attached the original letter. 
Please be advised as soon as possible. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
In XX/XX/2022 I received an email from Citibank, because I have a Citi Priority Credit Card, for a promotion on opening a checking account. The promotion was for various bonus pay outs based on deposit levels. There was a link on the email which I used to open the account. I also called customer service to verify that my account showed a promotion on it, after funding, since I had not received any confirmation of the promotion starting, follow-up, etc. Of course, Customer Service said yes, they did show the promotion and there was a 30-day period to allow funding, which I had already met. 

I funded my account for $ XXXX on XX/XX/2022, and maintained over that amount for the bonus period required ( 60 days ) and even further. I went over 90 days with my balance above $ XXXX. I still have around {$100000.00} in the account today. The promo was supposed to be paid out 30 days after completing qualifying activities and I never saw any payment. It has been 6 months since I originally funded the account and still no {$1500.00} promo payment so I messaged Citi. They said my account was never enrolled for the promotion. 

This is clearly a scam, as the link in the email should have allowed the promo to follow me to the account opening page. Also, Customer Service would have been lying when I called, and they confirmed. I am sure I am not the only one who has fallen prey to this scam. 

I am removing all of my business from Citibank. Someone from CFPB should investigate these checking account promotions and Citibank 's follow through on their advertisement.

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 2023-02-15 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2023-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
Affirm claims that I opened a loan for a purchase that was made on XXXX ( {$860.00} ). I make all my purchases on XXXX with my XXXX account and there is no XXXX record for that amount on the date in question ( XX/XX/XXXX ) or any other date. I have used Affirm on XXXX prior on other occasions and have always made my payments. I did not make a purchase on XXXX for that amount and did not apply for a loan. I submitted my fraud claim to Affirm on XX/XX/XXXX. I received a follow up email on XX/XX/XXXX that it would take them up to 30 days to respond. I received another email on XX/XX/XXXX that they were denying my claim and I was responsible for the loan. I followed up with phone calls in XX/XX/XXXX but was told that they would not change their decision unless I came up with more evidence. I'm not sure how I can have evidence of something that I didn't buy and have no record of on XXXX? It is clear that someone used information that I had previously provided to Affirm to open this account. Based on the little information that they have provided me to deny my claim, I suspect that their data protection procedures are severely lacking. I have tried in good faith to work this out with them but they don't seem interested in the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: PA

Complaint narrative:
Bank account on my Experian credit report isnt mine but in my name. This account is used as fraud and isnt the account Im currently using. I disputed the account previously XX/XX/XXXX and re disputed the account as of today XX/XX/XXXX because of a increase of my credit I noticed XX/XX/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 2023-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I have had a fraudulent acct opened in my name with Kohl 's. They began reporting this acct to my credit report on XX/XX/XXXX. I called them several times previously to tell them this is not my acct and I never applied for the acct. They refuse to tell me the address where they sent the card but it was not at any of my addresses. 
XX/XX/XXXX I called to start the fraud application process again. They said it would take 60 days.I spoke to XXXX @ XXXX. 
I called back on XX/XX/XXXX to see the status of the fraud report. They said it was canceled and had wrong notes in the file. They said to call back the next week an they would fix it. 
I called again on XX/XX/XXXX, still nothing was done again they said fraud report was canceled. 
I called again on XX/XX/XXXX and spoke to XXXX XXXX XXXX. He updated my address and gave me a ref incident ID of # XXXX and also XXXX. I sent a letter as I was told this would be escalated to mgmnt. I called again XX/XX/XXXX and still nothing has been completed to resolve this issue. This is causing me not to be able to purchase a home and as interest rates rise I am being damaged more and more. I do not know what to do. A 60 process has been turned into a 120 day process with still no resolution and now they are sending me additional letters to pay the balance in full of {$500.00} whern I did not ever apply for the card and never had possession of the card to begin with. This is ridiculous and is costing me money on my mortgage interest rate as I am being held hostage by this dept store.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc.
State: IL

Complaint narrative:
I settled a debt with Advance America on XX/XX/2019, via lawsuit against them, in the principal sum of {$380.00}. Advance America has now sold the debt to XXXX XXXX XXXX. 

I found that they are now reporting this on all three of my credit reports. 

Advance America are breaking the law by selling this debt. XXXX XXXX XXXX is breaking the law by trying to collect this debt and now illegally reporting it on my credit reports. XXXX, XXXX and XXXX are also breaking Federal Laws by reporting incorrect information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: MI

Complaint narrative:
In XXXX of XXXX, I purchased a copy of my Transunion, XXXX, and XXXX credit reports. Upon obtaining my reports and reviewing each report, I noticed a great deal of inconsistencies and inaccuracies on numerous accounts. I then reached out to each of the credit bureaus on XX/XX/XXXX via USPS certified mail ( priority ) with my personal identification information ( Driver 's License, SSN Card, & Bank statement ) and a letter asking for an investigation to verify/validate the accounts and the information reported on each report to ensure 100 % accuracy. In accordance with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), all information reported must be 100 % accurate. I received notification from the bureaus that the accounts were verified and accurate. However, I recently ( XX/XX/XXXX ) purchased another copy of my credit report of all 3 bureaus and there are still inaccuracies and inconsistencies.How could this be possible if the credit bureaus indeed completed a complete and thorough investigation? It is my belief that these accounts were not properly investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts posted on a credit report. The credit bureaus failed to provide me with any information regarding the verification of these accounts. I have since sent another request to each credit bureau via USPS Certified Mail ( priority ) regarding this matter.

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 2023-02-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XXXX of XXXX, I purchased a copy of my XXXX, Experian, and XXXX credit reports. Upon obtaining my reports and reviewing each report, I noticed a great deal of inconsistencies and inaccuracies on numerous accounts. I then reached out to each of the credit bureaus on XX/XX/XXXX via USPS certified mail ( priority ) with my personal identification information ( Driver 's License, SSN Card, & Bank statement ) and a letter asking for an investigation to verify/validate the accounts and the information reported on each report to ensure 100 % accuracy. In accordance with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), all information reported must be 100 % accurate. I received notification from the bureaus that the accounts were verified and accurate. However, I recently ( XX/XX/XXXX ) purchased another copy of my credit report of all 3 bureaus and there are still inaccuracies and inconsistencies.How could this be possible if the credit bureaus indeed completed a complete and thorough investigation? It is my belief that these accounts were not properly investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts posted on a credit report. The credit bureaus failed to provide me with any information regarding the verification of these accounts. I have since sent another request to each credit bureau via USPS Certified Mail ( priority ) regarding this matter.

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