vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 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: AZ

Complaint narrative:
I urge you to take immediate action to correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I received a notification that I was included in a Class action Lawsuit and I could expect relief from any future payments to this institution ( Navient student loan providers ). 
This was to take effect in XXXX. 
Navient continues to demand payment, of which I had agreed to making minimum payments of {$75.00} per month. 
I inquired as to why my student loan is still being collected on after receiving notification stating that it would be dismissed and should expect repayment for a portion of the payments I have made in the past and was told my loan was from a private institution and doesn't qualify. 
I don't understand, after receiving notifications that I qualified, that Navient could state that I don't. 
I would appreciate a clarification as to why I don't. 
I meet all the criteria as outlined in the description of the lawsuit. What am I missing?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
At a point the information was disputed and removed.I checked my credit report last week and noticed old accounts were inserted into my report that were deleted before

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
At a point the information was disputed and removed.I checked my credit report last week and noticed old accounts were inserted into my report that were deleted before

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
My id is canceled, non existent as of XX/XX/2022. Contracted XXXX to make arrangement not limited to address change. 

XXXX  cant take payments online, recently today was offered bill pay over the phone. 

What so ever they take too long to process payments according. 
I keep quoting the fact the company wont send me statements via regulated mail. 

They need to report accurate information will kindly ask to take accountability and repair my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: CA

Complaint narrative:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00XXXX XXXX XXXXXX/XX/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 2023-05-15 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: EQUIFAX, INC.
State: FL

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 XXXX Account name : DEPT OF EDUCATIONXXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name XXXX XXXX  XXXX Bankruptcy Account 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 explanation
Consumer complaint received 2023-05-15 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: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
An unauthorized withdrawal of {$1200.00} was taken out of my account on XX/XX/XXXX ( see exhibit A. ) without my permission through Arvest Bank. On Friday XX/XX/XXXX I went to Arvest Branch # XXXX XXXX XXXX XXXX, XXXX Oklahoma XXXX to resolve the matter, was told by an employee that another Arvest employee must've input a wrong number and that the money would be back in my acct. by Monday XX/XX/XXXX, she wrote up a complaint I signed it and was given a copy ( see exhibit B. ). On XX/XX/XXXX. I received mail from Arvest stating that an adjustment has been made to my account balance and that they became aware of an error involving my account on XX/XX/XXXX, and that they were decreasing my acct. by {$1200.00} ( see exhibit C. ). being that I just opened this specific account on XX/XX/XXXX ( see exhibit D. ), I knew that the mailed statement was false. On XX/XX/XXXX I went into the XXXX XXXX XXXX  XXXX XXXX, XXXX, Oklahoma XXXX, with the mailed statement asking for the proof of this withdrawal " XXXX XXXX '' said her mgr. was not in the bank and she called out for help and was inquiring about the situation and neither of the 2 were able to find anything. After searching for a little " XXXX XXXX '' explained to the lady on the phone that she had located the discussed transaction and began speaking to me again, I asked for a copy of this information and she was like sure, she came back with a copy of a transaction log summary list, with this copy there was a list of other customers information ( 11 ) customers to be exact all in a row each with {$1200.00} transaction amts. showing on all ( 11 ) individual accts. She explained that only the highlighted row was pertinent to my acct. I disagree with the statement reasoning. I never authorized this transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: Home Loan Center, Inc.
State: IL

Complaint narrative:
I got a letter from XXXXLending dated XX/XX/2023 that they conducted a soft pull and denied vehicle financing based on loan originator XXXX I do not remember going to XXXX and providing them my social security number or even last four of my social for this exercise. 

I called XXXXLending and they asked me to contact XXXX. I was on phone with both companies and they are not able to verify or confirm who, why the soft credit pull was done. 

Please investigate it as a business malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: GA

Complaint narrative:
ENOUGH IS ENOUGH NO MORE TAKING ADVANTAGE OF XXXX PEOPLE!! I AM EQUAL AND NOW I HAVE THE RESOURCES TO FIGHT BACK! XXXX PEOPLE ARE EDUCATED TOO!!! I am writing to express my deep concern regarding the violations of my rights under the Fair Credit Reporting Act by the consumer reporting agency in question. Specifically, the agency has included adverse information on my credit report in addition to furnishing inaccurate information to other consumer reporting agencies they have failed to REMOVE/DELETE accounts that were the result of identity theft, even after I made written request instructions to do so that emphasized that my request was not made in error and was not based on any material misrepresentation of fact on my part. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 I am hereby sending this notice to express my intent to sue for violation of the Fair Credit Reporting Act. I demand that the agency takes immediate steps to block and delete the inaccurate information from my credit report, and to remove the accounts that resulted from identity theft. Failure to do so will result in legal action, and I am entitled to statutory damages of up to {$1000.00} per violation.

15 U.S. C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discovery credit card authorized without my permission a charge from an advertising company XXXX to which I had notified " NO RENEWAL '' This advertising company had my old card number since a year before I had to report it to Discovery Card as lost, but despite the fact that this advertising company " XXXX '' did not have my new card number, Discovery card still charged it as a " recurring charge ''. The first payment was on the day of the subscription XX/XX/XXXX, second payment XX/XX/XXXX, I do not consider these as recurring payments. 
That same day that the charge entered my credit card, Discovery Card sent me a text asking me if I authorized the transaction and I immediately replied " NO '', then Discovery Card sent me an email asking me if I authorized the transaction, and I also replied that " NO '' and clarify that it was fraudulent. Even so, the Discovery Card authorized the transaction. I've been sending texts and phone calls to the vendor " XXXX '' ( advertising company ) and with Discovery Card for two months. The seller never responds to emails or phone calls, only once did they respond that I have to complain to Discovery because the payment did not go through. Discovery Card closed my dispute because they claim that the vendor has shown proof that I use the service. This is completely false because I never renewed this service nor has it been used since it expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
Dear CFPB, I am writing this letter to formally request that the company Andreu, Palma, Lavin, & Solis, PLLC cease all communication with me regarding the alleged debt in question from 2011. I have reason to believe that the debt in question is fraudulent, and your attempts to collect on it constitute harassment under the State of Florida 's harassment laws.

I have never entered into any agreement with your company, Palma, Lavin, & Solis, PLLC or any of its affiliates, and I have no knowledge of the alleged debt. Furthermore, I have not received any documentation regarding the debt from 2011, as required by the Fair Debt Collection Practices AAndreuct ( FDCPA ). 
Your repeated attempts to contact me via phone calls, text messages, and emails have caused me significant distress and XXXX. I am fully aware of my rights as a consumer under the FDCPA and the State of Florida 's harassment laws, and I demand that you immediately cease all communication with me. 
I demand that the company Andreu, Palma, Lavin, & Solis, PLLC provide me with written and signed documentation of the alleged 2011 contract with my signature, and a copy drivers license of the alleged debt dated from 2011 within 5 business days. Failure to provide such documentation will be considered a violation of the FDCPA and harassment under Florida law.

If the Andreu, Palma, Lavin, & Solis, PLLC company fails to comply with this request, I will be forced to seek legal action to protect my rights as a consumer. Any further attempts to collect on this alleged debt will be considered harassment and will be dealt with accordingly.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: WI

Complaint narrative:
I signed up for 3 month XXXX membership to XXXXXXXX XXXX in XXXX XXXX in XX/XX/XXXX. Winter special they offered. 
I suspended membership in XX/XX/XXXX. 
They confirmed they have record of this. 

I was billed for continued membership in mid XXXX. When I called the office they said it was for continued membership. I informed they I will not be returning and this must be cancelled. I paid the {$50.00} in good faith. 

I got another bill for {$50.00} in XX/XX/XXXX to continue the membership and was informed my CC on file was not valid. 

I informed them by phone and followed up email that this was cancelled in mid XXXX and I did not renew in XXXX as I am not on that area. 

I called the location to complain about this and they said I renewed but I signed nothing. 

I just got a debt collection letter from First Credit Services saying I now owe {$190.00}?? 

I responded to the letter by email stating all of the above. 

I do not owe any funds as I informed them in mid XXXX when I paid them {$50.00} for something I did not owe at that time but understood possible conflicts in communications. Now this is starting again!! 

This is a scam. I did not sign up for any on going membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: LA

Complaint narrative:
I have been engaged in an ongoing dispute regarding recurring charges with XXXX XXXX XXXX, and the process of resolution through the Consumer Financial Protection Bureau ( CFPB ) has been incredibly frustrating. Despite successfully disputing these charges, they proceed to close my account, thereby removing them from my credit report. However, to my dismay, a few days or even a week later, the same collection is inexplicably reinstated on my credit profile, this time listed as " open '' rather than " closed. '' This recurring pattern has raised serious concerns and suspicions. This is now the third instance of such an occurrence, and I have taken screenshots this time as irrefutable evidence of the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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. XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete this 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 non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one closed my account on XXXX XXXX for no reason or explanation. I am writing to express my deep dissatisfaction and concern regarding the recent closure of my account with Capital One Bank, which was conducted without any prior notice or valid reason. I provided my social security number when opening the account, yet I have received no benefit or explanation for the abrupt closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I XXXX XXXX XXXX enter into a collection contract with XXXX, with XXXX XXXX. File number # XXXX. I paid the car off through XXXX. XXXX, never reported the agreement with the 3 Credit bureaus. Now, on my credit report is showing Negative derogtory credit every month on my credit report. I called XXXX, he will not correct or accept my calls. I feel like XXXX took my money and never told Westlake Financial that I made the final payments to XXXX XXXX XXXX My credit score is tanking due to XXXX. I called Westlake Financial they seem to know nothing about XXXX collection agency. Westlake Financial still shows a balance of XXXX, as of XXXX XXXX plus, the account shows written off and closed. I been defrauded by Westlake financial and XXXX collection agency. 

Westlake Financial account number XXXX XXXXXXXX. 
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 explanation
Consumer complaint received 2023-05-15 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: VA

Complaint narrative:
I have repeatedly asked for Equifax to to fix the XXXX report of my car being discharged in bankruptcy, I paid my car in full, my bankruptcy did not include my automobile and was paid off in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMO BANK NATIONAL ASSOCIATION
State: MS

Complaint narrative:
In XXXXXXXX XXXX XXXX I sent the bank a payment for the remaining balance. For XXXX months I had a {$0.00} balance, which I paid through electronic funds XXXX times. When they determined that the principal was paid off, the bank went retro back to XX/XX/2022 and tried collecting the XXXX day payoff interest, for the amount of {$70.00}. This amount was not on any statements from XXXX through XXXX, I asked for my title and they added the interest. I spent several hours on the phone with them and got no resolution. What they did in my mind is extortion

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