vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I do not know where this debt comes from, I am not aware of the amount that I owe - to anybody/ any organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
XX/XX/2023 I was the victim of a phishing scam. I thought I was buying gift cards for the CEO of the company I work for. I regularly work directly with him. 

XX/XX/2023 I realized I had been scammed for the {$1400.00} worth of gift cards and I reported it to USAA. My account was temporarily credited back the {$1400.00}. I provided screenshots and texts to support my report. 

In XXXX USAA debited the funds from my account with an explanation that I hadn't provided more information by the deadline given me. However, I hadn't seen the request with deadline. Once customer service explained, I immediately uploaded the requested information. 

Since then I've been on the phone numerous times with customer support and have received varying answers about the status of my dispute including completely contradictory and inapplicable ones. I've uploaded more information after I escalated my dispute, which the rep assured me would resolve it and result in my money being re-credited. All to no avail. 

XX/XX/XXXX I received a letter from USAA that purported to explain the dispute resolution but literally says nothing of the sort. 

I've been a USAA member for 48 years and am about to switch to another bank over this. 

I've attached documentation. 

Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: TN

Complaint narrative:
XXXX XXXX Sold the debt to a debt collector. I called XXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from TRANSUNION/ XXXX XXXX Which is making me have to disputed inaccurate information with the creditors. The creditors won't remove.

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 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XX/XX/. XXXX I canceled 2 XXXX XXXX orders for {$25.00} each. Totaling {$50.00}. I disputed the transaction and they credit it the money. 3 months later in XX/XX/ they charged me again saying the transaction was valid. I have proof I canceled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: TN

Complaint narrative:
XXXX XXXX Sold the debt to a debt collector. I called XXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from XXXX EQUIFAX XXXX Which is making me have to disputed inaccurate information with the creditors. The creditors won't remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: IL

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. 
1 told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX, XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
When I very first got the vehicle the car dealer did it electronically the car was worth XXXX and some odd dollars I paid a XXXX dollars down. Once I got the contract they was charge me XXXX dollars for a 63 month period the car had XXXX miles when purchased they ripping me off monthly payment is XXXX monthly this ridiculous on a used car with high mileage. I have the lady on record who I talked with

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 2023-07-25 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: NC

Complaint narrative:
XXXX XXXXXXXX XX/XX/17 This payment completes the settlement on your XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-25 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: NC

Complaint narrative:
XXXX XXXXXXXX XX/XX/17 This payment completes the settlement on your XXXX XXXX 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 2023-07-25 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023, I filed a CFPB complaint under complaint Id XXXX demanding ( XXXX ) an immediate update of my mailing address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that you STOP, CEASE and DESIST from any further direct and indirect communication with me of any kind imaginable, including, but not limited to, phone, text, email, social media, UPS, XXXX, courier, XXXX mail or otherwise ; and ( 3 ) To the extent that the credit card agreement has an Arbitration clause, I hereby elect, choose and demand resolution of any and all claims and counterclaims with forced binding private arbitration with the XXXX XXXX XXXX XXXX XXXX, litigation in any court is prohibited due to my election and demand to Arbitrate. Any improper communications will incur liability pursuant to the FDCPA. Failure to promptly update my address with an interim update with every credit reporting agency shall be deemed to be an additional willful violation of the FCRA for which statutory damages of {$1000.00} shall be owed. Not only has the bank failed to change my address based on my phone call of XX/XX/2023 but the bank has violated the Cease and Desist order. Fix it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of 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 2023-07-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This is a continuation of complaint XXXX. Capital One 's response says I ) did not write them until XX/XX/XXXX. In fact, after calling numerous times since XXXX when the fraud or unauthorized charge occurred, I wrote them on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For Capital One to say in their letter to you that they only received a response from me on XX/XX/XXXX, is a lie. It is preposterous. 

I can not believe how they can get away with this - how they do not honor their 0 fraud liability policy. In my case, they have reversed that policy, so they are 0 % responsible. 

I question why my other Capital One card ( a Spark business card ), which the " merchant '' did use scam, but since it has a lower credit limit than the other one on question, did not produce a satisfactory take for the " merchant '', why did Capital One Spark resolve the fraud and make me 0 % liable??? 

If you want documentation, I will send it at a later date, but I am very, very frustrated by this situation where people believe a bank that lies through its teeth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: NC

Complaint narrative:
My car was recently repossessed on XXXX XXXX due to missed payments. My original lender, USAuto Sales, has permanently shut down and handed all of their information to a new lender, Westlake Portfolio. Ever since the sudden switch roughly 2 months ago, I havent been able to make a payment due to them not being able to access any of my information such as my SSN or my vehicles VIN. I was sent in cycle of me calling and being told to call back in a week. Just recently on XXXX XXXX we finally reached an answer, the reason they couldnt pull up my account when I provided MY information such as my SSN and VIN Number, was simply because they have someone elses SSN attached to my vehicle! Instead of acknowledging the mistake they made I was told since an account existed with someone elses SSN that it still falls on me for being late even though they had the wrong SSN. To add on to that, instead of fixing THEIR mistake, they decided to provide me with someone elses FULL SSN and I was told to use their SSN to enter the account make a payment of {$1500.00} in order to receive my vehicle back. I was extremely upset with this decision and make it clear that I was very uncomfortable with using someone elses SSN to make a payment on my vehicle, the lady I was speaking to became more agitated and proceeded to tell me there wasnt anything she could do for me besides decrease the price by {$30.00} until XX/XX/2023. I dont feel like what their doing is legally acceptable, under no circumstances should they be okay with giving out someones SSN so willingly! I dont know what to do from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

These were the following items : Hard Inquiry : XXXX  Credit Card Reason : This account is not related to any transaction made by the consumer and needs to be deleted. 

Creditor : XXXX XXXX XXXX Account Number : XXXX Reason : This account is discharged through a XXXX XXXX  bankruptcy. This item is inaccurate because it shows different dates opened, reporting as XX/XX/2021 on Transunion and XX/XX/2021 on both XXXX and XXXX. 

Public Record : XXXX XXXX XXXX CA XXXX Record type : Bankruptcy XXXX XXXX discharged Reference Number : XXXX Reason : The bankruptcy court stated they do not give bankruptcy information to consumer reporting agencies so this needs to be deleted. This account was reported without my written consent and therefore is a result of identity theft and should be deleted.

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 2023-07-25 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: TN

Complaint narrative:
I HAVE NO acknowledgement OF THIS ACCOUNT CREDENCE RESOURCE management. IT IS REPORTING ON MY CREDIT REPORT. I DEMAND THIS fraudulent ACCOUNT BE REMOVED. 

ALSO, ADDRESSED I NEVER LIVED XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN 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 2023-07-25 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: IL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: SLM CORPORATION
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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 2023-07-25 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: WI

Complaint narrative:
I worked with my lender to re-structure my loan to avoid issues with a short sale on my property. We agreed on a payment plan which I'm current on however they continue to report my loan as delinquent. This has been going on for 4 years and has negatively impacted my credit.

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 2023-07-25 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: NV

Complaint narrative:
The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards which would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should comply with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. 
Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 
This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.

Company response to consumer: Closed with non-monetary relief