vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: World Omni Financial Corp.
State: AZ

Complaint narrative:
I went in to purchase my first " mom '' vehicle for my XXXX birthday I had my XXXX to trade in and $ XXXX to put down. The salesman was focused on " getting me in the lowest monthly payments '' somehow I ended up in a lease and not a purchase and they are charging me what 2 cars would cost. I have been trying to correct it literally since the day I drove the car off the lot. I also thought I was financing through Toyota XXXX whom I have financed 2 other cars through but its actually a fake company pretending to be Toyota XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: AR

Complaint narrative:
As I investigated my credit report, I found out that some of the information was erroneous. Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$310.00}.

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 2023-05-11 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: 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Fifth Third Bank has decreased my credit with out any reason i was not behind any of my other credit or any outstanding loans. This is a clear violation and highly illegal act to damage consumers fair credit reporting act. It is also a violation of the U.S.C 15 sec 1666b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: CA

Complaint narrative:
I have been dealing with Experian for some time now. Still to no avail, they have not helped me. In 2018 my wallet was stolen. My credit cards were destroyed. I filed disputes with chase but they were unsuccessful in helping me restore my funds. There is an account on my credit profile, that has inaccurate information reporting. XXXX - XXXX. The date the account was opened is incorrect. The date of last activity is inaccurate. The high balance is inaccurate. The date of last payment is incorrect. The creditor is reporting different dates to all 3 credit bureaus. The creditor also keeps updating this account to prolong it being on my credit portfolio. I have sent multiple copies of proof that validates my dispute. Please look at the report I attached. It shows all of the different dates being reported to different credit bureaus.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been attempting to have Experian to update my credit report since XXXX The update would be how Ive made car loan payments and a personal loan although the reporting agencies have been sending the updated payments Experian hasnt updated anything since XXXX I have put in several disputes and cant get them to update it I am trying to purchase a home and this is effecting my livelihood!!

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 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Foremost I wasn't aware I was placed on the car insurance ( XXXX ) in the first place as all I did was cosign for a vehicle. I never received a phone call from the creditor nor the credit collection services. I also do not live at the address that was listed. I cosigned a vehicle but the insurance was placed under the cosigners name who also canceled the plan. I never received any communication from XXXX at all and was not told I was on this account. I was only made aware that it was sent to collections when I received a notice from XXXX. I was misled to believe that setting up a payment plan of {$79.00} would keep them from sending the account to collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was with a group of XXXX from XXXX XXXX XXXX from XXXX ( 2023 ). During this time, my debit card was stolen from my purse and used twice ( i.e., she took it from my purse, used it and then did it again ) ; hence, I never knew my debit card was used until I went and looked at my account on Monday morning. I contacted several of the stores, and even went to XXXX XXXX. The Managers at XXXX, and at XXXX described the person who made the transactions. The description matches that of XXXX XXXX, a XXXX that was recently expelled from the XXXX XXXX XXXX. XXXX XXXX was the only person close enough to me to have done this. I am legally XXXX and require assistance with reading things. So, XXXX was at my mom 's home with me and did go several places with me. I reported all of this to XXXX XXXX, Director of the XXXX XXXX XXXX, and also to the XXXX XXXX Police. The transactions include XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX 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 XXXX XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Truist Bank denied some of the claims, and is still investigating others. I have been advised by Attorney XXXX XXXX to file this complaint ; and I have also reached-out to the Attorney General 's Office.

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 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
after opening my account i had made a XXXX check depoist on the XXXX XXXX XXXX, and it took ten days to clear, which is understandable. but the same day it became available XXXX. i started to pay my bills and the bank frozen my account with out even contacting me to see if i was even making the transactions. so i called them the same morning and tryed to tell them, but they said they would have to send a letterXXXX XXXX (. So i had lost my phone about three days before the check had cleared, so i was waiting to buy a new phone, but the bank froze my account before i could go get one ). and since this has happen i have had no access to my account. They said they were sending me a letter that would be here in about 7 to 10 bussniess days, which would have been last Thursday XX/XX/XXXX, but no letter showed up, so i called back to tell them and after a very frustrating callthey said theere was nothing they could do but sent out another letter, so here it is the XXXX and still no letter., i cant pay my bills, i haveent had a phone in two weeks because of this iv got bills in late payment, its going to show on my cridit report. they will not help me no matter how many questios i answer to verify myself., so i called again today XX/XX/XXXX, just to be hung up on very rudley., iv been dealing with this for almost a full 30 days., they let me make depoists, this has stopped me from getting a new phone which is how i run my bussniess, so it has cost me no telling how many costumers, XXXX of dollars has been lost over this freezing my account for no reason. i guess im going to get a lawyer This is CITIBANK, THEy ARE TERRIABLE. froze my account for no reason at all, didnt even check to see if it was me, and then keep me from my money for XXXX weeks now.,.,

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 2023-05-12 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: 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. 

XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX  XXXX : 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 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 2023-05-12 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. 

XXXX XXXX XXXX : XXXX, XXXX XXXX  XXXX : 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 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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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. 






4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

10. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

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 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Had a dispute with the bank, the account was due to be closed. Long story short they ended up denying the dispute and closing the account with a negative report on my chexsystems statement. When I called in to speak with someone a very rude woman was refusing to even hear my side of the story.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was overcharged

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: Americor Funding, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX You are in direct violation of The Fair Credit Reporting Act ( Account name & # ), has violated several of my rights. 
15 U.S.C 1681 Section 602 A. Clearly states I have a right to privacy. 
15 U.S.C 1681 Section 604 A section two states a consumer reporting agency can not furnish my account without my written consent. 
15 U.S.C 1666B : A creditor can not treat a payment on a credit card account as a open-end consumer credit plan late for any purpose. 

Please remove these late payments and update this account immediately as you are in direct violation of The Fair Credit Reporting Act.

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 2023-05-12 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: 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. 

XXXX XXXX XXXX XXXX : # 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 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 2023-05-12 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX : # 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 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 ) ( XXXX ) 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 2023-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have read the article about Originator. I don't really understand. What I do know is that the word means to me is the original. The start is the beginning. Our mortgage is an example We built this house in XXXX thru XXXX XXXX XXXX. We put in a {$7000.00} dollar down payment. In XXXX we thought we were refinancing with XXXX. We refinance to get {$10000.00} to finish our Bonus room. It was not until this situation we learn it was Bank America. BOA gave XXXX ( {$170000.00} ) My husband said the closing was at XXXXXXXX XXXX that night. He had just left work. He also said it was only 2 people there, him and a XXXX lady. Who was at CLOSING?? XXXX or Bank America?? Who got the Loan from XXXX XXXX XXXX? Who did the XXXX lady Represent?? Bank of America gave XXXX {$170000.00}. The loan went from {$170000.00} to {$190000.00}. Why didn't Bank of America buy the Loan from XXXX XXXX XXXX directly? Why was XXXX involved in this process? All of this was planned. The Originated date was not XXXX as Bank of America stated they stand by their Documents. The Originated date is XXXX. Where is the payment history for XXXX some documents are not accounted for? During that time I always sent at least {$100.00} extra with my mortgage payments. Was this legal for Bank of America to pay XXXX this money? No!! it wasn't. This is double dipping, everyone is getting paid. Then that leaves us without a house. Now, I have Bank America sending Encrypted emails telling me to download because my computer is not secure. Now, Today 's email from XXXX tells me to respond because of some security issue. This is harassment and retaliation View the full complaint. Why Bank of America Resolution Specialist going offline to send CFPB private letters? Why are they sending me letters stating they are not going to compensate me monetary or any other compensation. They said they stand by their decision. 

View full complaint

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