vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
While I was at work some man stole my wallet and wipped out my bank account. I notified the bank immediately and was told a claim was being made and I could receive a preliminary credit of the funds taken seeing as I was STRANDED with no way home from work fast forward a week later and my funds have still not been credited back to my account and Im being told I have to wait for the investigation to conclude. However there is video proof I was not the one to make the purchases and a police report has been filed for theft of my bank cards

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 2023-08-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I bought a used car from U.S.Auto and they weren't supposed to be selling cause their license was revoked so my question is where did all my payment i was sending them went to. they took my down payment and didn't give me my tags. They also took my down payment knowing they were going out of bussinessand the didn't have the right to sell any cars as of 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I found out about the problem with my CITI Bank checking account ( XXXX ) on XX/XX/22. 
I went to nearest branch of CitiBank and found out that my account was hacked. 
The hiker changed all contact information on my account. 
My account was hacked and total {$25.00} was stolen. I submitted the police report on this amount to be refunded. The wire transfer amount was returned by Citi Bank. 
But 4 NOT- authorized XXXX XXXX each of {$500.00} ( on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22 ) ( total is {$2000.00} ) are still not refunded. 
I have been a valued client of Citi Bank for more than 20 years. 
I have never used XXXX from my Citi Bank account. 
The matter is still not resolved

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 2023-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
In XXXX I used my care credit card on XXXX XXXX for my dog. XXXX. I had XXXX XXXX and XXXX made it so I couldn't pay it. Last year my son passed in a car wreck I finally got clear enough to think contacted care credit who tells me the acct was written off. I check XXXX XXXX  and see this XXXX debt for this care credit debt that care credit has written off. They are showing it was incurred XXXX which is inaccurate. I dispute it and through the process of this I get a collection notice from another collection agency trying to collect this XXXX for XXXX. XXXX claims the debt is right I dispute again because I ow care credit not them, the dates aren't right and they have another collection agency trying to collect the debt for them while they are trying to collect on a debt care credit has written off. I can scan the original debt paperwork from XXXX XXXX XXXX  and the collection notice from the place XXXX hired. Just let me know if needed. I am on my phone or I would upload 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 2023-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Applied for auto loan with lender and was told I was pre-approved. XX/XX/2023 credit transaction was taken place after I completed the application using my personal information and security information. Called company and wasnt able to receive any help. They letter they send is in violation of my Equal Credit Opportunity Act and FCRA.

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 2023-08-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: FL

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Amerassist for their failure to provide debt validation and their ongoing violation of the Fair Debt Collection Practices Act ( FDCPA ). Despite disputing an alleged debt with Amerassist and requesting validation of the debt as per the FDCPA, they have failed to comply with these requirements and continue to engage in harassing communication practices that negatively me emotionally. 

I initially disputed the presence of the alleged debt on my credit profile and sent a written request to Amerassist, requesting debt validation in accordance with the FDCPA, specifically 15 USC 1692g. Despite the statutory obligation to provide debt validation within 30 days of receiving my request, Amerassist has failed to provide me with any substantial proof of the debt 's validity. 

Furthermore, Amerassist has continued to contact me via text messages regarding the alleged debt despite their failure to validate it. This persistent communication not only violates the FDCPA 's provisions regarding harassment and unfair practices but also causes unnecessary stress and negatively impacts my credit score.

Additionally, I have explicitly requested that Amerassist provide proof of their ability to collect this debt in my state, as mandated by the FDCPA. However, they have failed to provide any documentation or evidence demonstrating their legal authorization to collect debts within my state. This raises concerns about their compliance with state-specific regulations and further undermines the validity of their collection efforts. 

The failure of Amerassist to validate the alleged debt and their continued harassment through text messages is causing significant distress and adversely affecting my credit score. I believe these actions are clear violations of the FDCPA and its provisions for debt validation, harassment, and unfair practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Amerassist for their non-compliance with the FDCPA. I also request that you intervene to ensure the removal of the alleged debt from my credit profile and the cessation of any further collection activities by Amerassist until they can provide proper validation and proof of authorization. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to address this complaint and protect consumers from the unlawful practices of debt collectors. I look forward to a resolution that upholds the rights and interests of consumers like myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: NV

Complaint narrative:
Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Usautosales went bankrupt the account on my credit is paid in full due to the bankruptcy and westlake portfolio apparently took over the debt from usaautosales but we don't have a contract with them and they have added the payoff to be want I financed my car for a year ago and we can't get our titles

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This Account was paid, closed, removed, in XXXX. The last 8 months or so pro collect has been reporting this account as new and every month has sent it to the bureaus. My credit scored has been demolished because of this and because its an apartment its showing on any housing that I apply for. I received a letter saying that a company has illegally obtained my information and has my information. I have called multiple time. Filed a dispute for this same account 3 times and instead of fixing this issue they keep saying that this is valid. I have spoke with them and the feedback I am receiving is more concerned with me paying another {$3000.00} instead of fixing there mistake.

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive reviewed my credit report and noticed the following inaccurate items. 

The accounts below are not mine : XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/2023 Account Balance : {$140.00} Account Status : Unpaid

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Om my equifax Credit report theirs 8 hard inquiries that are fraud please have equifax removed those hard inquiries I have a federal trade commission identity theft report on file social security number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: NC

Complaint narrative:
I was called by a very rude person who called several times until I answered ( proof on call log ) also it was wayy after nine when I did answer and told them my rights they got very hostile and started using abusive language and threatened to turn me into the credit bureau even though I was told by the complex we were settled by the district XXXX herself! Also the amount they claim is wayy off that we got in our letter. Plus I was told this was a company owned by XXXX XXXX XXXX which I know how debt collection works and I know thats not the case. So in summary the agent lied and tried to be manipulative and was very rude and aggressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America stole my identity and used it to open up mortgage accounts in my name used for who knows what.

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 2023-08-16 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: NC

Complaint narrative:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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 2023-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I have been saddled with a collection account for what seems to be a three-year old cable bill. I have no knowledge of this debt. When I spoke with XXXX, they stated that they did not have much information on the debt itself. They also stated that they on the spot adjusted the balance from XXXX to XXXX. Then my credit report collection is saying that I paid down XXXX dollars, which I did not. I both do not owe the debt and did not pay towards it. As far as I understand, simply from their information, they have assigned me an inaccurate number. I did not pay XXXX dollars a month for cable, nor did I miss any payments, nor did I pay XXXX of the XXXX alleged.

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 2023-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I was a victim of a scam between XX/XX/2023 and XX/XX/2023 and during that time I reported my concerns to Venmo and my account was then frozen. I was asked to prove identity which I did in XXXX and then made one transaction to my XXXX XXXX XXXX company. My account was then suspended and I was told I violated the acceptable use policy I asked them how and nothing was said. I then filed a police report when I fully learned the scam I was a victim of on XX/XX/2023. The police told me to reach out to the companies I had used in the process and I did and now as a result they are stating I cant use Venmo. My family was not involved and my husband tried establishing an account and his account was then suspended as well and he was in no way involved. I want to establish a new account or have my husband be able to establish an account as we use this method to pay for our XXXX XXXX and its the only payment form used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2023 I took my son to the AutoNation XXXX XXXX XXXX XXXX car lot in XXXX, CA. to purchase a vehicle of his choice with his pre-approved letter from his bank, XXXX XXXX. When he presented the approval to the salesman, he came back and said that the finance XXXX would not accept the pre-approval letter unless my son had a " back up signature ''. Little did I know, they were hinting that I needed to be a co-signer, When I gave the salesman my ID, He came back and said my son was approved for {$38000.00} plus fees for the XXXX and he needed my signature. I immediately asked to see the paperwork and discovered that the finance department had ran my credit without my permission, and wanted to use me as a co-signer. I was furious. I told my son we are not going to those papers because they ran his credit without permission as well, changed the interest rate from 7.9 % to % XXXX, and raised his payments to {$900.00} a month, from {$700.00}. This did not make sense because his preapproval letter was good for {$67000.00}. We then realized they were trying to scam us in order to use their own banks to finance the vehicle. That's fraud. So, we both backed up from the table and left. Now there's XXXX hard inquiries on 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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am a victim of identity theft I have about 8 inquiries that I don't recognize on my credit reports. 6 or 7 on XX/XX/XXXX 2 on XX/XX/XXXX and XX/XX/XXXX 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer 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 explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: GA

Complaint narrative:
I am a victim of identity theft I have about 8 inquiries that I don't recognize on my credit reports. 6 or 7 on XX/XX/XXXX 2 on XX/XX/XXXX and XX/XX/XXXX 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer 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 explanation
Consumer complaint received 2023-08-16 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$1500.00} ; XXXX XXXX  XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9600.00}.

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