vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
I severely injured my XXXX XXXX in XX/XX/XXXX which caused me to miss months of work. I contacted Prestige to see if I could get my payments lowered due to my hardship and I never received an answer. I received a message XX/XX/XXXX from XXXX stating I had until Friday XX/XX/XXXX to either make a payment or make arrangements or the account would be transferred to the recovery department and would be picked up. The vehicle was repossessed on XX/XX/XXXX. I spoke with the repossession company because I was told nothing would be done until Friday and I was told that Prestige contacted them weeks ago and put the order for repossession in which is not what I was told. I get paid Thursday and they knew this and I planned and making the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I was notified that there was Barclays Bank of Delaware hard inquiry on my credit report on XX/XX/2022. I did not apply for anything involving Barclays. I reached out to there Executive office 7 times in total. I got a scurity link that dis not work but they did not respond to this issue. I reached out again and finally got a phone call from executive team member almost 7 weeks ago. I went through a battery of questions. It was confirmed by this woman that the application waa in fact fraudulant. The information did not even match mine. I was than told the inquiry was being removed however the credit bureau 's as of today have not gotten this information yet and I just confirm this by contacting them again! Why hasnt this infomation which has injured my credit still not been removed? It is almost a year now. 
I want this removed or plan to sue.

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 2023-06-27 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: FL

Complaint narrative:
I previously filed a report ( XXXX ), where XXXX failed to removed the derogatory late marks on my credit. XXXX is reporting on two separate accounts that I paid late, except they failed to investigate that both lease agreements were on autopay and any late payment would be due to a XXXX clerical error.

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 2023-06-27 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Nissan Motor acceptance is reporting incorrect information on my XXXX credit report for XX/XX/2023. I have contacted the on multiple occasions for them to correct the issue. I have not been successful. 

Account : XXXX VIN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-06-27 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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed 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 non-monetary relief
Consumer complaint received 2023-06-27 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I have mailed out notices to the company and they disregard ignore and continue sending these fraud billing statements. notices sent on XXXX XXXX and XX/XX/202XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am a victim of identity theft and the contacted companies won't close and adjust accounts

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 2023-06-27 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am a victim of identity theft and the contacted companies won't close and adjust accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: WI

Complaint narrative:
While checking my most recent credit report. I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquires : 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 XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you, to produce a contract between you and I, Consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have within 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act Section 611.

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 2023-06-27 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: WI

Complaint narrative:
While checking my most recent credit report. I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquires : 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 XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you, to produce a contract between you and I, Consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have within 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act Section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: GA

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. 

Account name : XXXX  Account numberXXXX Account name : XXXX XXXX Account numberXXXX  Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 2023-06-27 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: GA

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. 

Account name : XXXX  Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have two credit cards with Amex : XXXX XXXX XXXX XXXX Amex Gold Card for American Express Gold Card, there is no foreign transaction fee and I have to pay annual fee of {$250.00}. I had an oversea trip scheduled from XX/XX/XXXX to XX/XX/XXXX. Unfortunately, I lost my gold card 2 weeks before my trip and I called Amex to send me a new card, I asked them since I am traveling overseas, I need my gold card to be delivered before my departure ( XX/XX/XXXX ). My card shipped on XX/XX/XXXX and got delivered to my place on XX/XX/XXXX, 4 days after my departure. The only option I had was to use my XXXX XXXX XXXX while I was away. When I came back I noticed that I got charged for a couple XXXX dollars on my blue cash everyday card for the purchases I made overseas. Also, the Gold Card that got delivered on XX/XX/XXXX, got stolen bc of improper delivery and I had a charge of {$2000.00} which wasnt not mine. Amex recognized the fraud and emailed me a new gold card in less than 48 hrs. I called them and asked them if the overnight delivery was an option why did not apply to my XXXX replacement? and since it was not my mistake, they should either refund me for the foreign fees or give me rewards point on my cards. They rejected my requests which is a significant hardship on me bc of Amex mistake. I want to get the fees back and report this issue to you. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have contact this company to validate the debt and have not heard from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On the afternoon of XX/XX/, I was bombarded with an insane amount of emails, only to find out later on that this is referred to as e-mail bombing, while something more sinister is happening behind the scenes. Later in the evening I received a text alert from XXXX asking me if I had authorized an {$800.00} payment. I went to my online account and saw that there were in fact several ( XXXX ) unauthorized transactions to XXXX. I immediately called XXXX and informed them as to what was happening. They cancelled the debit card and transferred me to the fraud department. Needless to say my bank account was totally drained and it even went into overdraft. XXXX assured me that they will do their best to investigate and come to a resolution. After a week of waiting and no updates, I called XXXX on the morning of XX/XX/2023. They informed me that they had finished their investigation and that my claim was denied because the payments, all 18, were processed and issued to a third party merchant, in this case, PayPal. XXXX said that I needed to contact PayPal and seek a resolution about getting my funds returned. I called PayPal on three different occasions, each time speaking to different people, and each time I gave them all the information from the XXXX transactions. PayPal kept saying that they can not find the transactions in their system so they can not do anything and that I needed to go back to XXXX. Basically I was being ping-ponged back and forth from PayPal to XXXX and vice-versa. I can not understand why PayPal says that they have no records of the transactions because from all indications PayPal was the recipient of the 18 transactions. In all there were 25 transactions to PayPal at the time when the incident was occurring. Four of those were rejected and three cancelled. While speaking to the last XXXX fraud specialist, I was told that part of their thorough investigation would have been to contact the merchant ( PayPal ) and verify the transactions. When I called PayPal there were none of those 18 transactions in their system? My position now is that my bank account has been wiped out, XXXX tells me that they transferred the money and they have the proof of payment receipts to show it but it seems like the onus is now on me to figure out where it went.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2022, I contacted XXXX XXXX customer service to discuss a transaction. While speaking to them, it appears the phone call was hacked into, and a man who identified himself as a customer service rep started asking questions about my profile for identification purposes. When he asked about my Bank of America accounts, I became concerned when he went into details about my balances. The man first XXXX {$1400.00} out of my XXXX account ending in XXXX. When I noticed the transaction, I could not stop it, or able to log out of the account myself. I then restarted my cellphone and immediately called Bank of America. As he tried sending a second transaction for {$1900.00}, as I was already on the phone talking to a Bank of America customer service rep who was able to stop in right on time. The man had also withdrawn {$990.00} from my personal checking account ending in XXXX, using my XXXX profile. I then contacted Bank of America fraud department and filed claim # XXXX. After months of waiting, Bank of America stated they were able to resolve the transaction for {$990.00} but not the transaction for {$1400.00} as I was not able to prove I did not purposely send the money myself. This is infuriating because they have proved that I called them on time to stop the second withdrawal attempt of {$1900.00}, and the one for {$990.00}. Both transactions from the account ending in XXXX were made by the same person, same email address, and almost simultaneously. I was forced to close and reopen new accounts. I have been a loyal Bank of America customer for 20 years. This is what I get from them. I am a hard-working XXXX XXXX XXXX who is constantly risking his life for his family. This is how Bank of America values my loyalty. So, I ask you to please help me.

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 2023-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony Bank has my XXXX XXXX  card. I have been a member since XXXX, never once missed a payment. I have been enrolled in auto pay. tow months ago, they assessed me a late fee for a missed payment. THEY stopped my payment method with out contacting me. I have delt with this deceptive outfit before with a XXXX XXXX card. if you don't carry a balance, they lower your credit limit to cause your fico score to drop. 
these are deceptive practices and should be investigated. how many other people have they bilked on late fees when they trust their payments are made on time. Please review other complaints and investigate that they do this on a large scale to bilk fees and late charges, as many people wont complain. I am looking into a possible class action lawsuit with them, You have an obligation to investigate this complaint and look into how many others were affected by this. I will await your details. 
thank 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 monetary relief
Consumer complaint received 2023-06-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BANK OF AMERICA Account # XXXX this account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of XXXX XXXX. This Account is is Inaccurate And Has 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 explanation