vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have reached out to the credit bureaus about negative items showing my credit report and they have not responded in the 30 day time frame based on the FCRA. 

Account Name : XXXX XXXX XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

XXXX XXXX XXXX XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Account Name XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Unverified account Creditor Name : XXXXXXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX EXPERIAN Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Also, please remove all non-account holding inquiries over 30 days old and add a XXXX Suppression to my credit file. 

Creditor Name : XXXXXXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX - XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account

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 2022-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One Auto has a car that is covered under my bankruptcy- 2017 XXXX XXXX XXXX They hired a particular company to get the vehicle and thats fine, its the fact this company has NOT responded to a complaint after 72 hours and they still have my personal property in the vehicle as their towing company didnt allow me to get it all. They will be hearing from my wifes attorney and my own as they are refusing to give me my personal property still left in that vehicle. I have a taped recording of them stating I could retrieve EVERYTHING but that didnt happen so unless they desire to get sued I suggest they get back to me as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Called to do a skip a payment.. it was approved i paid the required fee and was told to sign a paper i would receive within 10 days.. never received the letter so i called and i was told i would have to resubmit the application and that i would not have to pay the fee again since i already paid it well 30 days later my credit gets hit with a late fee and my credit dropped dramatically i called them and Ally said that its because i never paid the XXXX that was due for the skip a payment because the old fee of XXXX was applied to my account but not to the skip a payment so now it put me as XXXX past due and it keeps putting me late.. they are supposedly looking for the conversion where their employee told me I wouldnt have to pay it again since i already did but the executive team ( who I cant for the life of me reach in any way ) told me their associate was wrong but they where gon na look for the conversation where their associate told me I didnt have to pay its been a little over 3 months and no resolve my credit has been affected very very badly due to this i need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: MO

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I had XXXX unauthorized transactions from my Bank of America checking account from XXXX. One was {$1100.00} and the other was {$550.00}. I filed a fraud case with Bank of America and they came back and said research was done and that they found that I was in fault based on their research. I was told that the transaction was done from a " device that is consistent with previous valid account activity '' - I am 100 % sure I did NOT authorize or conduct these transactions and now I feel like I am out {$1700.00} for something that is fraudulent and not my doing. I am a XXXX XXXX XXXX that works part time and I am about to start college. I can submit anything you need to help me solve this and get my account back to {$0.00} as I didn't have this money in my account to begin with. 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 explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Genesis Credit Management has violated the FCRA by harassing me they have sent multiple emails to my personal email ( XXXX ) XXXX times. 15 USC 1692d states A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. They have sent multiple emails contacted me by phone numbers ( XXXX ) multiple times. They have also violated my rights according to 18 USC 894 which states Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means to collect or attempt to collect any extension of credit, or to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. In exchange for me not paying the debt they are claiming that I owe. They are reporting to the Credit reporting agencies a negative collection account which is damaging my reputation. According to US Code 1681b my written consent is needed before furnishing my information to any credit reporting agency. I never gave this company permission to release any of my information to any non-affiliated third party. Under the fcra I have the right to privacy and a fair and equitable credit report this collection they have added to my accounts is misleading and causing multiple restraints to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I had a credit card with Apple Card which was managed by Goldman Sachs. I had a transaction with XXXX merchant posted to my account. The order was shipped with only half of what was paid for and the shipment was returned to the merchant per XXXX XXXX  return policy. Merchant shows shipment returned and that credit was to be issued. Credit was never issued by merchant via XXXX. I then contacted Goldman Sachs via Apple Card support and summited dispute and provided proof of the authorized return and lack of getting credit for the return. Goldman Sachs kept closing dispute with inconsistent reasoning ( order was received or verified when this was never disputed ). I full paid my account and closed the account with Goldman Sachs ( Apple Card ) with revocation of authorization for any further activity or charges on the account. Almost a year later, Goldman Sachs took funds from my bank account without authorization to satisfy an unknown transaction. My bank processed a dispute and returned these funds to me. Shortly after this occurred, Goldman Sacks again took funds from my account ( under XXXX dollars ). I again filed a dispute with my bank and they returned the funds to me and changed my account number to prevent any further unauthorized access. Not long after this happened, Goldman Sachs reported me as having a late payment for {$1.00} on my credit reports. All attempts to contact Goldman Sachs and get documentation of transactions have been fruitless. They again on the phone that what occurred isn't right and state they will email or mail statements to me with corrective action but nothing ever happens. My credit score went from XXXX to under XXXX overnight. I not only ended up paying for an XXXX shipment that was incomplete and which was returned and now I have suffered because of Goldman Sachs inability to properly process Reg E dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
USAA Federal Savings allowed 2x checking accounts to be opened under my profile after I informed them unauthorized wire transfers were being executed without my consent from my USAA Accounts. The checking accounts were used to remove and transfer {$35000.00} to fraudulent banking accounts in XXXX. USAA Fraud department sent no emails or made no phone calls to update me on the fraud or the actions the company is taking to fix the known fraud. The company hasnt even reached out to let me know my data was/is compromised.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
During covid lockdown after XX/XX/2020, I requested the closure of this account. the physical branches were closed during this time and I was unable to visit branch to request closure of the account. I had to close it over the phone with Customer service department. Whoever was helping me when I requested to close this account, apparently did not close the account and I was being charged monthly service fees that I was unaware of. The company put this account into XXXX XXXX  that I owe a balance and it is in collections. I tried several times disputing with XXXX XXXX  and US bank both are refusing to help me in removing this from my 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 2022-08-10 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: AR

Complaint narrative:
XXXX and Equifax both have posted on my credit reports that companies XXXX, XXXX, 2 XXXX XXXX  accounts have been paid late or not paid, as well as, closed on the creditors choice which is incorrect. I closed the accounts and have worked with XXXX XXXX XXXX since 2019. I have paid all accounts on time through XXXX. I have sent documentation and distributed to both credit bureaus more than once. Also, these accounts are ALL paid in full at this time. These accounts need to finally be corrected or removed due to the inaccuracies and refusal to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have requested validation from all three credit bureaus regarding the information on this account. The only information sent to me is a copy of a bill. That is not accurate validation. There are also discrepancies on the opening date and date of delinquency between the three credit bureaus.

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 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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 2022-08-10 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: CA

Complaint narrative:
In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX  XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX account XXXX XXXX  XXXX XXXX  account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX account XXXX  account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX  XXXX account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX Transunion account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX Also the following inquiries Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-10 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: CA

Complaint narrative:
In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXXXXXX XXXX XXXXXXXX XXXX account XXXX  account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX  XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Equifax account XXXX Also the following inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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: OH

Complaint narrative:
FROM XX/XX/2022 TO PRESENT I HAVE DISPUTED A FRAUDULENT XXXX XXXX XXXX CREDIT CARD ACCOUNT THAT SOMEONE OPENED IN MY NAME BY STEALING MY IDENTITY. I NOTIFIED ALL 3 CREDIT REPORTING AGENCIES AND XXXX XXXX XXXX  ABOUT THIS FRAUD IN WRITING 3 TIMES, NOTHING HAS BEEN DONE TO CORRECT THE PROBLEM. THIS IS AFFECTING ME GETTING A JOB AND BEING APPROVED FOR HOUSING/APARTMENTS.

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 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Credit and Collections Inc.
State: MO

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: Self Financial Inc.
State: CA

Complaint narrative:
I RECEIVED A LOAN BILL FROM XXXX, EVEN THOUGH IVE NEVER HAD A XXXX XXXX XXXX XXXX, I CALLED AND THE BANK SAID I NEEDED TO FILL OUT AN IDENTIFY THEFT REPORT. JUST A FEW DAYS LATER, I GOT A CALL FROM XXXX ABOUT BUYING A NEW XXXX. I TOLD THEM I DIDN'T BUY AN XXXX. 
SOMEONE ELSE HAD GONE TO A STORE IN NEW JERSEY AND ADED TWO NEW LINES TO MY ACCOUNT. THIS SELF ACCOUNT I DID NOT AUTHORIZE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: MN

Complaint narrative:
I have a couple things going on. 

I went to a car XXXX dealership and was already approved by my bank and had the cashier check to pay for my car. XXXX said that can give me a better rate with XXXX if I finance with them. I was informed that they would only pull my credit once with XXXX and I was approved for a loan through XXXX but I realized that I had a lot more inquires on my report that I did not authorize or didn't know about. I called my sales rep and asked about the inquires and I was advised that they were looking the best rate even without my permission and they would consolidate into one inquire. I has been over a year and they are still there. 

Equifax Credit Report XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX Chr XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX fin XX/XX/2021

Company response to consumer: Closed with explanation