vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Went to Car dealer with a preapproval letter/lender in which i told them that i wanted to exclusively use, they ended up running multiple inquries ...? when they were not suppose to!!! I had a total of 7 inquiries!! Deceptive practice! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-20 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: MO

Complaint narrative:
In Account with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has, violated my rights. 

15 U.S.C. 1681 Section 602 A. States i have a 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.

Have not provided me a copy of ANY original Documentation ( a consumer contract with my Signature on it ) as required under Section 609 [ a ] [ 1 ] [ A ] & section 611 [ a ] [ 1 ] [ A ]. furthermore, they failed to provide the method of Verification as required under Section 611 [ a ] [ 7 ].

Section 611 [ 5 ] [ A ] of the FCRA they are required by law. Need ALL INFORMATION Promptly DELETE WHICH CAN NOT BE VERIFIED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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: BMW Financial Services NA, LLC
State: WI

Complaint narrative:
To whom it may concern, I have been a loyal BMW owner for nearly two decades. I am now trying to buy a house and my lender informed me that there are a few late issues being reported on my credit by BMW that is severely impacting my loan rates. I basically live on an airplane for work and consistently use the automated system to pay my bills not only for the current month, but more often than not for the upcoming month in order to avoid situations like this. I was not notified by any person that there was a detrimental lag in payment. It appears that I have 3 different 30 day 'late ' considerations and one 90 day 'late ' reported. Even throughout Covid I never asked for any of these to be removed when you couldn't get a hold of a representative most likely due to poor staffing and I used their automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I have filed a CFPB complaint about this financial institution multiple times. GM Financial stated they sent me a written notice of sale before selling the vehicle. GM Financial stated that my mail box was undeliverable ; however, consumer has received every correspondence by GM Financial concerning this alleged debt EXCEPT what I am requesting which is the notice. In addition GM Financial sold this debt and their debt collectors send correspondences to the address on file of this alleged debt. GM Financial is to provide to consumer a copy of the notice that was sent to address on record. I am demanding GM Financial to provide the Certified Return Mail Receipt in this complaint. I have record to indicate that CRMR to me in which is invalid. 

After further review of contract of this alleged debt, the consumer credit contract failed to contain the HOLDER IN DUE COURSE in at least ten point, bold face which made the contract unclear and inconspicuously. 

On XXXX, I made an uninformed decision when I entered a consumer credit transaction with your financial institution. I made an uninformed decision when I entered into an agreement without knowing the meaningful disclosure of the credit terms. According to Blacks Law Dictionary ( 8th ed. 2004 ), an agreement is a mutual understanding between two or more persons about their relative rights and duties regarding past or future performances ; a manifestation of mutual assent by two or more persons. As a result, I had no say or decision in the terms of the agreement. I was giving a generic computerized agreement that is given to all consumers, who enters a credit transaction, without clear and conspicuously terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision this debt becomes null and void. The consumer did not receive a printed adequate notice. The adequate notice was to give me the pertinent facts clearly and conspicuously, so that I had noticed it and understood its meaning. Your financial institution had the choice of printing the notice or had given to me on each periodic statement, or by other means to assure I was in receipt thereof the notice. Your financial institution failed to provide pertinent notices. 

As a result of fraud and deception of this onsided agreement, your institution will update my account as paid in full and remove any derogatory remarks. 

Your financial institution will be held criminally liable according 15 USC 1611 for willful and knowing violating me as a consumer. Your financial institution will send me a cashier check for {$5000.00} or imprisoned not more than one year, or both the choice is yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is not a duplication of complaint! 

Therefore, I am refiling my complaint and asking the CFPB to actually read opposed to trying to dispose consumers complaint as duplications. 

The following compliant I am filing against TransUnion has to do with illegal reinsertion of a deleted account without prior notification as mandated by the FCRA, FDCPA and should be investigated as such, a separate complaint was filed against XXXXXXXX XXXX for buying and reporting debt that was disputed as fraudulent not belonging to consumer. 

As stated, two different issues requesting separate investigations/complaints. This specific complaint : TransUnion has illegally reinserted debt that was removed and disputed as fraudulent not belonging to the consumer. 

TransUnion violated the FCRA, FDCPA by refusing to notify the consumer prior to reinserting disputed debt. I disputed a XXXX account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this XXXX account it was removed from the TransUnion credit report. 

TransUnion reinserted the disputed debt with full knowledge this item was removed by XXXX then sold to XXXXXXXX XXXX who name is still attached to said account. 

The law is clear TransUnion is required to all consumers prior to reinsertion of disputed debt that was previously removed and can not deny consumer a chance to dispute said debt prior to reinsertion. 

I am asking TransUnion to show proof consumer was notified within the timeframe as outline by the FCRA, FDCPA prior to reinsertion of fraudulent debt. 

TransUnion intentionally denied the consumer their legal right to dispute reinserted fraudulent debt prior to reinsertion in direct violation of the FCRA and FDCPA. 

I want CFPB to investigate this practice of reinserting disputed fraudulent deb that was removed and not following the law and giving consumers the right to dispute prior to reinsertion how many XXXX XXXX XXXX XXXX had TransUnion used this deceptive business practices and intentionally lowered theyre credit scores and purchasing power I want the CFPB to enact or enforce laws that prevent credit bureaus from reinserting debt that was removed and disputed as fraudulent and why TransUnion is not giving consumers a chance dispute reinsertions or notification of reinsertion. 

I want the XXXX account that was removed, disputed as fraudulent not belonging to me removed again from my TransUnion report and not allowed to by resold and reinserted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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: TX

Complaint narrative:
Im just trying to fix my credit as a tax paying working American. I have rights under 15 USC 1681. They have violated my rights numerous times. I demand the accounts listed on XXXX Equifax and XXXX be removed. I have the right to Privacy and these 3 companies have tarnished my hood standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: TX

Complaint narrative:
Im just trying to fix my credit as a tax paying working American. I have rights under 15 USC 1681. They have violated my rights numerous times. I demand the accounts listed on XXXX XXXX and Experion be removed. I have the right to Privacy and these XXXX companies have tarnished my hood standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX, Navy Federal Credit Union withdrawn a payment of XXXX from my savings account without my consent to apply towards an outstanding balance of {$11000.00} dollars for a credit card debt of {$12000.00} that was never validated that continues to report on my credit reports with XXXX, XXXX, and XXXX by Navy Federal Credit Union. 

Navy Federal Credit Union hired a third-party debt collector XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX to collect on the debt. XXXX XXXX, XXXX could not validate the debt of {$12000.00} so, they ceased communication with me and trying to report on the debt with all the credit bureaus on XX/XX/XXXX. 

Navy Federal Credit Union has violated my rights under the Fair Debt Collection Practices Act by reporting and collecting on a debt that they have not validated. They have fraudulently stolen money from my savings account and have restarted the statue of limitations over on a debt {$12000.00} that has restarted the aging process of the debt over which is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: WA

Complaint narrative:
Portfolio Recovery keeps calling me to collect debt without telling me what debt I owe. I have run credit reports to check on my end what the debt could possibly be and there is nothing that is outstanding. My credit score is above XXXX so I don't know why they keep calling and harassing me. They call me at least once a day. It's infuriating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I had XXXX XXXX dollars charged to my American Express card by an ex employee for their personal benefit. Those charges were not authorized by me and though I had a relationship with the vendor the vendor was also not authorized to charge my account for the ex employee. I brought it to AMEX 's attention 3 months ago and they quickly agreed it was fraud and credited my account back the XXXX. Fast forward to yesterday I get a call at night telling me that the charges are not fraud and that I am responsible and I should take it up with the vendor. I am a 15 year card member who uses Amex because I thought they provided some protection. I have never made a claim during this time. Bottom line I was stolen from, we had to fire the employee, and now because the perpetrator worked for me it is not not considered fraud. I asked to speak with a manager and was denied the request, then I asked to speak with a divisional manager and was told by the employee XXXX that she could make no promises. This company has been charging me over {$1000.00} a year in annual fees on my 4 cards going back well over 10 years to just leave me high and dry the first time I have asked for protection against fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no 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 explanation
Consumer complaint received 2022-09-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no 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 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I am writing to dispute a charge of {$2800.00} to my credit card account on XX/XX/2022. The charge is in error because I do not remember this charge, but it is listed as a taxi. We were on vacation during this time and did take taxis but no taxi ride totaled more than {$25.00} during our vacation. At worst, this is a fraudulent charge. At best, this is a severe overcharge. 

I filed this a fraudulent charge but was told it was verified as valid. I asked how they determined this and they said they did nothing but verify charges before and after. XXXX, a said supervisor, told me that he was not going to investigate the charge anymore and did not care about me. I asked to speak to his manager and was told that I would get a call from them but that never happened. You need to revue my account and fire XXXX his customer service is not the kind of person you want on your team. XXXX told me that there was no effort to contact the vendor nor was there any verification done on Chases part. This is an extremely large charge made out of the country I was visiting XXXX and I was in XXXX, XXXX. No flag was done nor notification for verification was made to me. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my credit report and did nor recognize inquires or authorize use of my information.

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