vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have contacted this company multiple times letting them know that this is not my account and nothing has been done. This account does not belong to me. Please remove this fraudulent account from my credit report. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I HAVE FILED MULTIPLE DISPUTES WITH CREDIT ACCEPTANCE CORP. THIS ACCOUNT WAS OPENED BACK IN XXXX. HOWEVER, CREDIT ACCEPTANCE IS REPORTING INACCURATE INFORMATION ON THIS PREVIOUS AUTO LOAN. THEY ARE REPORTING ME ''LATE '' WHEN I HAVE NOT BEEN LATE ON THIS ACCOUNT. FURTHERMORE, I HAVE SPOKEN WITH A REPRESENTATIVE IN THEIR DISPUTE DEPT SEVERAL TIMES AND I WAS TOLD THEY WILL FIX THE ISSUE. THE ISSUE IS THEY ARE REPORTING NEGATIVE INFORMATION ON THIS ACCOUNT. ALSO, THEY ARE NOT UPDATING ANY PAYMENT STATUS?! I HAVE ALREADY PROVIDED BANK STATEMENTS THAT SUPPORT MY DISPUTE. ALSO, CREDIT ACCEPTANCE HAD SYSTEM ERRORS DURING THE PANDEMIC THAT PLAY IN FACT. AFTER, I REVIEWED A LETTER FROM THEM THIS MONTH XX/XX/XXXX. THEY ARE STILL NOT REPORTING ANY ACCURATE INFORMATION! THIS ACCOUNT IS NOT SHOWING ANY CREDIT HISTORY, TERMS, OR PAYMENT STATUS. THEY ARE ALL EMPTY! THIS NEGATIVE INFORMATION IS HURTING MY CREDIT SCORE XXXX POINTS FOR ABSOLUTELY NOTHING! THE CREDIT BUREAUS ( XXXX AND XXXX ) ARE HOLDING THEM ACCOUNTABLE FOR THIS MATTER.

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 2023-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that the information being provide on my credit report is wrong. I did not recieve any XXXX XXXX and medical bill/charges that have ever been billed were covered by my ex-spouse 's medical coverage as well as state health care coverage. And I would like to note that I am being put in collection under false pretenses in the year XXXX for my child 's medical bill who I do not have custody of as he has been in his father 's care the entire XX/XX/XXXX year and has him under his medical insurance which he is covered through with the federal government and my ex-husband is responsible for any outstanding balances in regards to that. I also contacted the collection agency on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I was told that they could not verify my information thus could not provide me any details with that said then why do they have my information and negatively reporting information that I owe them. I would also like to note that I have had continued issue with identity theft since XXXX as well as my ex running up my credit without my knowledge as he took advantage of me due to my XXXX XXXX XXXX XXXX caused by XXXX and XXXX XXXX and XXXX XXXXXXXX I have gone theough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NE

Complaint narrative:
Money was stolen from my account. I called it in immediately to US Bank as fraud. They ensured me it would be taken care of. The money was reimbursed but shortly taken away again. I called back and they told me tit es part of the process and to wait a few more day. I waited a few day and called back to get an update and was told no actions were being made to settle my fraud case. I was lied to by a US Bank employee who said they would make note and send it to the appropriate department. Turns out there were no recent comments on case and nothing was being done. The person I talked to recently guaranteed I would get my money back and I would get an update call soon. I am making this complaint for the untruthfulness of US Bank who thought I would just forget about my money. Still havent been reimbursed for obvious fraud on my account that they also admitted to

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 2023-12-02 00:00:00
Product: Credit reporting 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 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 Account Number : 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 non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
I was in an active bankruptcy from XXXX of XXXX to XX/XX/XXXX. During the time I was also under a Covid-19 forbearance. I was also applying for a loan modification. I paid off my Bankruptcy early. I also received the funds to pay all of the back mortgage and did not need a loan modification. Carrington Mortgage has since started reporting to the credit bureaus multiple times that I was late in XXXX of XXXX. I have had to dispute the report three times. Every time It was fixed It was reported again the next month. Carrington has told me the credit bureaus are reporting inaccurate information against their will. They said they have no payment history for me during that time and are not reporting me late. XXXX has told me they can only report what Carrington gives them. I asked Carrington for a letter stating I was not late and they said no one can write me a letter. I told them its against the law to report me late while I was in an active bankruptcy and they said because I was in a Covid-19 forbearance and not a natural disaster forbearance they can report me being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ive been paying {$2600.00} a month to experien for credit monitoring services however, after XX/XX/2022, I couldnt see my credit score across the three XXXX and XXXX XXXX I was asked to send in my personal information from XXXX. I done this over and over nothing happened they want return my money after all XXXXthey told me and they sent emails to my computer saying they got the personal information and they are working on it?? .its been going on for 9 months and more..

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Recovery Services, Inc.
State: NJ

Complaint narrative:
On my XXXX, XXXX and XXXX credit report it showed I have a credit I have a revolving account from first premier stating I opened account with them XX/XX/XXXX and balance XXXX account is closed and showing on my credit report with a payment never being made. This clearly is not mine all my credit cards is paid on time thats on my credit. I want this removed off my credit immediately I been disputing for years and they still havent provided any documentation proving this is my 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 2023-12-02 00:00:00
Product: Credit reporting 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: GA

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 XXXX XXXX XXXX. 

has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting 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:
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 XXXX XXXX XXXX. 

has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting 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: GA

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 Account Number : 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 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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2023-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Veem  Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I deposited {$20000.00} to my Veem wallet to make payments for my business. In order to make that deposit, I previously needed to upload a slew of verification documents on or near XX/XX/XXXX, including the front and back of my driver 's license, a selfie of me holding my driver 's license, a bank statement from the debit card where the funds were located from, a copy of my business registration, and a description of my business. On XX/XX/XXXX, I received notice that my account was fully verified and able to be used. 

Around XX/XX/XXXX, I decided that Veem was too cumbersome for my needs compared to a traditional bank so I submitted a request to withdraw my funds back to my business checking account. The attempt to do that seemed to have locked my account, and Veem then required verification of " a credit card statement, '' though no credit card had been used on the account. Furthermore, they told me to upload this information to a location of the interface that does not exist. 

On XX/XX/XXXX, I contacted support to find out how to get the funds released, and their response was : " Upon checking your account, I can see that this has been canceled because this is not the correct manner to withdraw the funds from your Veem wallet. '' The rep then linked to a support page that outlined the exact steps I followed. I resubmitted the withdrawal on the XXXX using the steps in the support document just in case, but they still wouldn't release the funds. On XX/XX/XXXX, they notified me that they needed to verify the statement from my business checking account, even though they already received my verification information digitally when I linked the account with XXXX. They again told me to upload the document to a part of the interface that didn't exist, so I emailed my statement directly to the support rep. By XX/XX/XXXX, I still didn't hear anything, so I called support and they requested *another* copy of my debit card bank statement, even though I had previously provided it to them. 

At this point, they have still not approved the transaction and released the funds even though they have all of the statements and documentation for both the source and the destination account, verification that I have the username and password for the destination account through XXXX, my ID, my business registration, and my business information. There's literally nothing else left for them to verify, and no traditional bank would even require this level of verification for a pretty basic transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Us auto sales illegally sold my information to westlake portfolio management and they just recently repossessed my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
My identity is stolen and someone somewhere is using it to apply for XXXX, American express and XXXX XXXXXXXX credit card as me. It seems they have collected a loan from XXXX and trying to create bank accounts using my information. I have received alert from experian of hard credit inquiries which is affecting my credit score badly. Please I need help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am an XXXX XXXX service member in Louisiana. 

The federal SCRA laws limits interest rates to 6 % all accounts opened before entering XXXX XXXX ( EAD ).

Louisiana law extends those benefits to all accounts, even account opened after EAD date. According to Louisiana law, Title 29 section 312 linked below, I should not be charged interest rates exceeding 6 % on any accounts. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IA

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting 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 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 Account Number : 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 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