vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: URS Holding, LLC
State: PA

Complaint narrative:
ALL XXXX XXXX XXXX has violated my rights and broken laws in doing so according to 15 US code 1692b.section 5 ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE PURPOSE OF ACQUIRING LOCATION INFORMATIOM ABOUT THE CONSUMER HALL NOT USE ANY LANGUAGE OR SYNBOL ON ANY ENEVLOPE OR IN CONTENTS OF ANY COMMUNICATION EFFECTED BY MAILS OR TELEGRAM THAT INDICATES THAT DEBT COLLECTOR IS IN THE DEBT COLLECTING BUSINESS OR COMMUNICATION RELATES TO COLLECTION OF DEBT. 
15 US CODE 1692D HARRASSMENT OR ABUSE .SECTION 5 A DEBT COLLECTOR SHALL NOT CAUSE A TELEPHONE TO RING OR ENGAGING ANY PERSON IN TELEPHONE CONVERSATION REPEATEDLY OR CONTINUOUSLY WITH INTENT TO ANNY ABUSE OR HARRASS ANY PERSON AT THE CALLED NUMBER.

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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy 15 U.S.C. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/2022 I checked the mail at my business XXXX XXXX XXXX XXXX and noticed I received an offer from American Express, I figured I'd apply since they keep sending me officers every month saying GOOD APPROVAL ODDS if you apply. After Appling I was declined for reasons not clearly specified, and they stated in the denial letter that my XXXX score was XXXX which confused me even more on why I was declined. Its not good business practice to SOLICIT to consumers that their approval odds are great just to decline the application causing damage to the consumer report, making it harder to be extended credit in the future. After my denial for the business credit card I called American Express and applied for the personal credit card since they already pulled my consumer file and I wouldn't receive another inquiry. I was told buy the argent my application was under review. I received and email from American Express and the portal say provide required information, but when I click the view the full decision details it said declined because I was declined in the last 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MA

Complaint narrative:
At XXXX this evening I was contacted by XXXX at ( XXXX ) XXXX. An internet search says the number belongs to a bill collector company called Genesis Credit ManagemenXXXX in XXXXXXXX XXXX  He asked if I lived at ( XXXX... ) which is an address I don't live at. He mentioned that there is an outstanding charge of {$15000.00} in my name. He also called my father on his cell phone asking where I lived. This is completely inappropriate. I have been the victim of identity theft in XXXX and again in XX/XX/XXXX. I was alerted that a credit card was attempted to be opened in my name at XXXX, so I filed a fraud alert back in XXXX with the credit bureaus and my credit is frozen. Whoever charged the {$15000.00} dollars in my name was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: MI

Complaint narrative:
I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : 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 - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy.

15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report.

15 USC 1681a ( 2 ) ( B ) - A consumer report does not include any authorization or approval of specific extension of credit, directly or indirectly by the issuer of a credit card because it is used to obtain an extension of credit.

15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b.

15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report.

15 USC 1681e ( e ) ( 1 ) ( B ) - My consumer report can not be procured for the purposes of reselling information without my written instructions.

15 USC 1681g ( a ) ( 1 ) ( A ) - A consumer reporting agency must disclose all information on my file, clearly and accurately to me.

HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 - Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. This is a clear violation of my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
In XX/XX/2022 the lawyer representing me sent a settlement offer letter to Cavalry Portfolio Services through their law firm. CPS  sent me a settlement offer previously and I was unable to pay the amount yet. A whole month goes by without a response from CPS. I also sent a settlement offer online via the website of their law firm and did not receive a response. After consulting with my lawyer who stated XXXX XXXX and XXXX XXXX XXXX is known to be slow to response, I decide to go ahead and call the law firm myself. I learn that they've started a court case for wage garnishment against me without any notice or attempt to resolve the matter peacefully and professionally. On XX/XX/2022 I personally went to the law firm and paid in full with cash for the collection account to be resolved. I received a receipt and a letter of closure immediately. However, Cavalry Portfolio Services viciously lied to all 3 credit bureaus and stated that I still owe {$80.00}. I have had to personally dispute this lie to all 3 credit bureaus, taking up my precious time and holding me back from financial progress. It's been 3 weeks and XXXX has yet to hear back from this corrupt business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I have been dealing with this issue since XXXX, I purchased new XXXX XXXX in XXXX the financial company was XXXX making payments to them and guess they went out business and a XXXX party took over their loan long story short XXXX  is still on title, this car loan is not on my credit report and has not been since XXXX I have been reaching out westlake portfolio management is the XXXX XXXX and I have been getting the run about my title. XXXX is saying their is {$0.00} balance and it shows void/canceled when I asked what does that mean they are telling me they never received it from XXXX and that XXXX XXXX has it I have contacted XXXX multiple times and they have insured me that never had it I gave them my full name, XXXX, and Vin number that dont havent Im just trying to Lien release or a letter of. Non secure interest to give to the DMV to remove XXXX off my title. I have tried talking XXXX but getting the run around and now Im being told its nothing they can do because they received anything form XXXX and that it went XXXX XXXX XXXX Id their anyway yall can help me get this issue resolved never received emails or phone calls or anything mail they said what was going on with XXXX I found out because I had called them and that was there automated response and it redirected you to XXXX and that was in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint once again to request thatI am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The Following account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have been a victim of identity theft. My information has been exposed in the XXXX data breach. The following account is not affiliated with me nor received any money, goods, or services as a result of identity theft or they were authorized by me. If you claim this acccount is 100 % accurate and verifiable then I need this Creditor to provide me with copies of any documentation associated with these account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file. : BANK OF AMERICA XXXX Balance-

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 2022-07-14 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: CA

Complaint narrative:
I have been sending dispute letters as complaints to the Credit Bureaus to dispute the information on my Credit report that were incurred due to identity theft. Through the letters, I have been informing the Credit Bureaus that I was a victim of Identity Theft and I never received any benefits as the result of the Identity Theft. On XX/XX/2022, I sent a letter to the Experian and XXXX Credit Bureaus requesting that they provide me copies of any documentation which bears my signature to support the Credit Bureaus ' claim that the items they failed to remove belonged to me. Experian and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the disputed accounts without proper authentication. I am submitting this complaint through the help of the CFPB to remind the Experian and XXXX Credit Bureaus to remove the following information that resulted due to identity theft. The Credit Reporting Agencies must delete the following disputed items pursuant of the Fair Credit Reporting Act section 605b immediately if Experian and XXXX Failed to provide proper documents to support the Credit Bureaus ' claims. Once again, I need the following items removed now : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} DEPT OF XXXX XXXX Balance {$1300.00} DEPT OF ED/XXXX  XXXX Balance {$3100.00} DEPT OF ED/XXXX XXXXXXXX Balance {$3800.00} DEPT OF EDXXXX XXXXXXXX Balance {$9000.00} DEPT OF EDXXXX XXXXXXXX Balance {$3300.00} DEPT OF EDXXXX XXXXXXXX Balance {$4900.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$750.00}

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 non-monetary relief
Consumer complaint received 2022-07-14 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: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting act and XXXX Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I was attempting to sell a couch online and was scammed. The " Buyer '' sent me a fraudulent check. On XX/XX/XXXX ; I called the Bank the check was from ( XXXXXXXX XXXX  ) to ask if it was safe to deposit it, They told me ; because it was a company check : it was safe. 

A few days later, I called Ally Bank and asked if it was safe to remove funds from the account once the check had cleared ; they said yes. 

When the check cleared ; I called Ally Bank again just to make absolutely sure it was alright to remove money from the account, and again they said it was safe, so I did. 

The Scammer had me make two separate XXXX payments of XXXX XXXX dollars for " Movers ''. This did make me skeptical of the buyer, but the bank told me it was safe, so I went along with it. 

On XX/XX/XXXX, the check bounced. 

When I found out ; I managed to cancel one of the XXXX payment, but not the other. Ally bank preceded to act in a very hostile way with the next two calls I placed. 

There was very little transparency and I was getting contradictory information through emails. 

They closed my account despite the fact I made sure to ask them every step of the way to make sure I had been doing everything right.

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 2022-07-14 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:
XXXX XXXX  XXXX # XXXX XXXX XXXXXXXX # 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 # XXXXN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT NUMBERS LISTED ABOVE HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 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: TX

Complaint narrative:
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REMOVE OTHER NAME ON MY CREDIT REPORT I ONLY GO BY XXXX XXXX ', PLEASE REMOVE ADDRESS I LIVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: TX

Complaint narrative:
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE OTHER NAME ON MY CREDIT REPORT I ONLY GO BY XXXX XXXX ', PLEASE REMOVE ADDRESS I LIVE AT XXXX XXXX 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 2022-07-14 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:
In accordance with the Fair Credit Reporting Act XXXX Account 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 XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: CA

Complaint narrative:
I have been sending dispute letters as complaints to the Credit Bureaus to dispute the information on my Credit report that were incurred due to identity theft. Through the letters, I have been informing the Credit Bureaus that I was a victim of Identity Theft and I never received any benefits as the result of the Identity Theft. On XX/XX/2022, I sent a letter to the XXXX and TransUnion Credit Bureaus requesting that they provide me copies of any documentation which bears my signature to support the Credit Bureaus ' claim that the items they failed to remove belonged to me. XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the disputed accounts without proper authentication. I am submitting this complaint through the help of the CFPB to remind the XXXX and TransUnion Credit Bureaus to remove the following information that resulted due to identity theft. The Credit Reporting Agencies must delete the following disputed items pursuant of the Fair Credit Reporting Act section 605b immediately if XXXX and TransUnion Failed to provide proper documents to support the Credit Bureaus ' claims. Once again, I need the following items removed now : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} DEPT OF EDXXXX XXXX Balance {$1300.00} DEPT OF EDXXXX  XXXX Balance {$3100.00} DEPT OF EDXXXX XXXXXXXX Balance {$3800.00} DEPT OF EDXXXX XXXXXXXX Balance {$9000.00} DEPT OF ED/XXXX XXXXXXXX Balance {$3300.00} DEPT OF EDXXXX XXXXXXXX Balance {$4900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$750.00}

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 non-monetary relief
Consumer complaint received 2022-07-14 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: LA

Complaint narrative:
I recently checked my updated personal credit report and I noticed unauthorized credit inquiries still remain on my personal credit report I contacted these companies and asked them to remove their credit inquiries from my credit profile. 

I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. If, once your investigation is complete, you find my allegation to be true, please remove these inquiries and send me an updated copy of my credit report at the address listed above. 

XXXX XXXX XXXXnquired on XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

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