vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: OH

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 Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or a 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 an 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 2023-04-26 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: NY

Complaint narrative:
I am not receiving my billing and because of this I have just recently saw that I was late. I called the company and they said we apologize you were in paper billing. I now own business and i never put myself in paper billing, so this is a mistake on their end and I need then to remove that late payments immediately. If you look on the notes they did admit that I was in paper billing and that they had fixed the problem. Remove late payments immediately. I also didnt give them permission to report on my behalf. They are also reporting innaccurate info and none of the XXXX  reporting is the same accross the report. I need this removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: NY

Complaint narrative:
I am not receiving my billing and because of this I have just recently saw that I was late. I called the company and they said we apologize you were in paper billing. I now own business and i never put myself in paper billing, so this is a mistake on their end and I need then to remove that late payments immediately. If you look on the notes they did admit that I was in paper billing and that they had fixed the problem. Remove late payments immediately. I also didnt give them permission to report on my behalf. They are also reporting innaccurate info and none of the XXXX  reporting is the same accross the report. I need this removed 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 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
I signed up for XXXX XXXX XXXX through an authorized dealer. The services never worked correctly and some equipment never worked at all. XXXX let me out of the contract. This was between XXXX and XX/XX/2022. This week, Hillcrest Davidson collection agency posted a debt of {$1700.00} to my XXXX credit report. I did my due diligence to cooperate by calling XXXX and XXXX XXXX to optain what the collection agency wanted. I got a zero balance statement and a billing history report, but Hillcrest Davidson sent me a screenshot of a supposed statement. No services were rendered and XXXX had terminated the contract due to it not working in our area. XXXX XXXX, sold my information falsely reporting a charge that XXXX does not have, but they state that it is coming directly from XXXX. The bottomline is that they sold my information and have misrepresented a balance that is fradulant. I need this to be removed immediately, please, because it is fraud and I am in a time constraint to purchase a house. This is extortion because after I proven that XXXX let me out of the charges for lack of service from them, XXXX XXXX has sold my name is false information about the balance and the time of service. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Monterey Financial Services LLC
State: NM

Complaint narrative:
Around XX/XX/XXXX, I attended a webinar presentation for the company. They advertised as a travel site with deep discounts. Total sales price was around {$2000.00} and was to be paid monthly. After presentation I spoke with a salesperson, and while hesitant I did sign up for the product. I was told that I was able to cancel within 5 days if I changed my mind. After doing some research, I decided I did not want this product. The next day I called and requested a cancellation. I was told that I would need to write a letter requesting cancellation. That same day I did send out a letter requesting cancellation. 

Around XX/XX/XXXX, I realized that a collection account was reporting for nearly {$3000.00}. The company was Monterey Financial. I learned they were trying to collect this debt for XXXX XXXX. I called and explained that I was under the impression this was cancelled and I did not owe anything. I have been getting the run around since then about this debt. Today I spoke with a representative from Monterey and was told that unless XXXX XXXX would be willing to send me proof that I sent the cancellation letter, there was nothing that could be done and the debt is valid. I was also told that if I paid an amount of {$3000.00} in full, they would remove any existence from my credit report, but if I opted for a settlement or monthly payments, it would still report negative. 

I explained that all I had was a copy of the letter that I had sent, but did not send it certified mail or had any proof that it was received or delivered. ( I was told I only had to send the letter via USPS- not that it should have been certified ). 

I have never used the services that company offers and I notified that company of cancellation not even 24 hours after. 

This debt is not valid and needs to be removed from my credit repot. Both companies, Monterey and XXXX XXXX, need to be investigated for their misleading and fraudulent business practices. As well as what I feel are violations of debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: IL

Complaint narrative:
THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
They are paid in full of what I owe the hotel 1 has the money that they are due I stayed at hotel for two days in which I paid affirm for but hotel 1 has the rest of their money I stayed for two days for {$600.00} but hotel 1 is keeping $ XXXX saying that hotel kept money but hotel says that hotel 1 only paid them the {$600.00} so hotel one is stealing and wants me to pay I keep telling affirm to verify with hotel as my bank did to refund my money but they won't so now they are saying I owe for everything even the {$600.00} I paid the for the days I stayed please help this is on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: IL

Complaint narrative:
See the documents attached. 

This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Dave Operating, LLC
State: FL

Complaint narrative:
I apparently entered some information with this company. I saw they had no service of interest to me. I closed the web page with the company called Dave, Inc. 
They started billing me {$1.00} often on a XXXX XXXX checking account. Absolutely fraud and an abusive  business practice. I am an attorney, so I think I know fraud when I see it. Of course, this is only my opinion, as all of this happened about 2-3 months ago and so my visual recollection-might be missing something, but I doubt it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: MN

Complaint narrative:
Disputed a charge with discover, charge was for a service not as advertised.

Sent plenty of valid proof to discover, about 15 images of proof. 
Discover sides with the merchant and refused to accept anymore documentation I had. Would not give me the documentation the merchant provided either Discover has a habit of denying valid disputes with customers. This is the second time this has happened to me personally

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I spoke to the assistant bank manager regarding depositing ERC checks that came to my company XXXX XXXX XXXX XXXX XXXX. I already had an account with PNC under the parent company XXXX XXXX XXXX XXXX. I had the paperwork with me to open a new account for XXXX XXXX XXXX, so I can deposit the IRS ERC checks. He spoke to his bank manager about depositing it in XXXX XXXX. The bank XXXX told me that since the check was made out to XXXX I can make the deposit, I did the deposit on XX/XX/XXXX and the funds was released on XX/XX/XXXX. My account was frozen on XX/XX/XXXX, and I was told that it was under review. After, many attempts to get answers I am still being told its still under review. I have supplied all the documents requested by PNC, and I still have not access to my funds, 20 business days and I am still waiting with no answers. My small business has shut down because I can not access my funds to pay salaries, insurance, rent, bills, etc. I have no idea how long this will take before I can get my funds. The landlord already sent an eviction notice for unpaid rent. 

Please help, I have to pay my employees Thank you for your help. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX of 2022 Chase Bank closed my 3 accounts with no explanation. In doing so they had promised to send me my balances in the mail within 30 days. It is now 6months later I still do not know why my accounts were closed and I have not received my money back. Please note on the documents I am sending where it states " OTHER WITHDRAWALS '' is the balances they supposedly they were sending to me. XXXX ending XXXX {$210.00} XXXX ending XXXX {$190.00} XXXX ending XXXX {$350.00} total {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. bank closed my checking account for two reasons, one check missing signature and one insufficient fund. I've proof that one of the two companies paid me the same amount by check and the other XXXX to my account later. 
In the process of contacting U.S. Bank, they told me they will hold my money for three years. 
U.S. bank found no proof of fraud, but they closed my account and hold my money anyway.

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 2023-04-26 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: TX

Complaint narrative:
I contacted XXXX XXXX on XX/XX/2023 to get this account taken off of my credit as an authorized user, they could not find said account. With all info provided by Experian to me. Along with not finding account, the balance is showing a credit line of XXXX, while Experian for XXXX XXXX XXXX shows XXXX. This is incorrect all of other credit bureaus have a balances showing limit XXXX. Please delete this account immediately.

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 2023-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Dear XXXX XXXX, I am writing in response to the letter I received from Southwest Credit Systems , L.P. ( " SWC '' ) regarding the above-numbered consumer complaint. I appreciate your response and your willingness to investigate this matter further. 

However, I am still not satisfied with the information provided by SWC and XXXX. In my original complaint, I requested a full bill of assignment that proves SWC has the legal right to collect this alleged debt on behalf of the original creditor. I also requested a bill of records that shows the details of the alleged debt, including the original creditor, the dates of the debt, and the charges. 

The billing statements provided by XXXX do not satisfy my request for a full bill of assignment and bill of records. They do not prove that SWC has the legal right to collect this debt on behalf of the original creditor. I need a legal document that proves SWC has the right to collect this debt, and until I receive that document, I demand that all collection activities be ceased immediately, including any reporting of the alleged debt to credit bureaus. 

Furthermore, I will not be mailing any disputes to the provided address. Instead, I will be conducting all matters through the Consumer Financial Protection Bureau ( CFPB ) to ensure that my rights are protected and that this matter is investigated properly. 

Please provide me with the requested legal document within 30 days of receipt of this letter. If I do not receive a satisfactory response within that time frame, I will have no choice but to pursue legal action to protect my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Credit Technology, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I've been notified about an inquiry on my credit report from a mortgage lender. I have never applied for a mortgage in my life and this is definitely no exception. 

The company that made the inquiry is the following : CREDIT TECHNOLOGY INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I look at their website but looks like a scam and their phone number doesn't exist. 

This is definitely an identity theft. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just got out of prison XX/XX/XXXX and starting my own business in XX/XX/XXXX I discovered I was a victims to identity theft and been steady trying to recover... 

XXXXXXXX XXXXXXXX is a lender I discovered works exclusively on loans for cars... 
They have approved a loan for someone else other than me but with my name. They allowed a car to be leased to someone that I don't have... I've contact credit bureaus XXXX XXXX and made police reports with the local department and filed with the FTC

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just got out of prison XX/XX/XXXX and starting my own business in XX/XX/XXXX I discovered I was a victims to identity theft and been steady trying to recover... 

XXXXXXXX XXXXl is a lender I discovered works exclusively on loans for cars... 
They have approved a loan for someone else other than me but with my name. They allowed a car to be leased to someone that I don't have... I've contact credit bureaus XXXX XXXX and made police reports with the local department and filed with the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just got out of XXXX  XX/XX/XXXX and starting my XXXX XXXX in XX/XX/XXXX I discovered I was a victims to identity theft and been steady trying to recover... 

XXXXXXXX XXXXXXXX is a lender I discovered works exclusively on loans for cars... 
They have approved a loan for someone else other than me but with my name. They allowed a car to be leased to someone that I don't have... I've contact credit bureaus XXXX XXXX  and made police reports with the local department and filed with the FTC

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 2023-04-26 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: IL

Complaint narrative:
THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-04-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act - 1. XXXX Acct # XXXX 2.XXXX  Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX Acct # XXXX 5. XXXX Acct # XXXX 6. XXXX Acct # XXXX Section A of 15 U.S.C. 1681 states that I have the right to privacy.

Section 2 of 15 U.S.C. Section 604 A stipulates that a consumer reporting agency can not provide an account without my written instructions.

15 U.S.C. 166b A creditor may not, for any reason, consider payment on a credit card account under an open-end consumer credit plan as late.

Company response to consumer: Closed with explanation