vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Disputed specific accounts on my credit report and included a copy of my up to date drivers license, social security card and proof of address such as my XXXX bank statement. That all match equally, and further more was sent an email notifying me that they will not investigate, obligating me to use their " disputing tools and credit services '' which many come with a premium price that should not have to be paid in order to freely dispute.

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 2023-09-16 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: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I noticed unauthorized inquires on my report. According to the FCRA, legally these unverified and unauthorized items must be 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 explanation
Consumer complaint received 2023-09-16 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Remove fraud account from my file. you are violating my consumer rights.

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 2023-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
i got a pos vehicle with a loan provided by credit acceptance corporation in XXXX, the vehicle had issues immediately i spent XXXX  on repairs and vehicle didn't even last 6months. i voluntarily gave the vehicle back to the lender. credit acceptance corp proceeded to get a default judgement against me 6 years later in XXXX  and proceeded to get a revivor on that default judgement in XXXX  they have been attempting to collect XXXX for over 20 years through this default judgement. they are a predatory lender that preys on the lowest income people in american society. i have been XXXX since XXXX  and am unable to ever pay this money. i previously filed a complaint with cfpb regarding this issue and a XXXX XXXX of credit acceptance corp reached out to me and stated the company was officially closing my account and would be filing in XXXX XXXX ohio municipal court to dismiss the default judgement against me and that the company would be mailing me documentation of this. i have not received any documentation from the company and no motion to dismiss default judgement has been filed. i reached out to their attorney at XXXX  XXXX and XXXX in XXXX ohio regarding when they would be filing motion and they stated they were not aware of credit acceptance corp closing account and dismissing default judgement and they would reach out to them to verify this and get back to me the attorney never responded back to me. i want to ensure that credit acceptance corp follows through and closes my account and that they get this default judgement against me dismissed and would like verification from the company that the account has been closed and the default judgement has been dismissed.

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 2023-09-16 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
In accordance with fair credit Reporting Act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I Have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I received a legal document in the mail today XX/XX/XXXX from Portfolio recovery associates stating that they had reached out to my previous employer regarding garnishment of wages. This is from credit card debt from XXXX. When I called the phone number given, I was told they could not assist me nor give me contact information regarding any questions about this matter. This company has in the passed contacted friends of mine regarding this as well. This debt is due to a document chronic illness I had going back to XXXX. I am extremely concerned about any passed or future employment I may have since I am currently seeking employment. I currently have no income to support myself or my child.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a phone call from Online Information Services informing me that I had a debt in collection. I promptly informed them that I had never lived at the address they mentioned and questioned how I could have a debt in utilities for a place I have never resided in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
First of all we all know when a business uses the term Mr. it is just a big front. Also, I know we can all agree, all across the nation, how I am an irresponsible, scatter brain, no it all, but I have said it before and I will say it again I did not receive the first two pages of the You call that a car loan credit application Another thing why do the copies that were just sent by this bank, not have Dealer Track XXXX, Dealer Track XXXX and Dealer Track XXXX on them, like the ones I receive from The Office of Attorney General of California? I am willing to swear under oath to find the truths in all of my XXXX of letters sent across the nation about what happened at XXXX XXXX XXXX XXXX on XX/XX/2023. Are the parties involved at the dealership willing to do the same. Probably not? Because they are all XXXX, I have enclosed XXXX documents that shows who the liar is who had inappropriate things on their mind. 
Dear Consumer Financial Protection Bureau I XXXX XXXX XXXX assert my XXXX amendment privileges which are freedom of speech and expression of what one believes.

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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
i sent transunion, XXXX, and XXXX letters XXXX, requesting the inaccurate and incomplete accounts that are reporting on my credit report. i have attach copies

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 2023-09-16 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: NE

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/23 - XXXX XXXX transaction totaling {$28.00} of rewards credit not deposited XX/XX/23 - over an hour on hold and Apple and XXXX XXXX states its the other entitys fault/issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
Hi CFPB- I am trying to consolidate my XXXX and XXXX accounts as I have XXXX of both now after a couple of jobs and then the company changing their externally used sources for both. 
I have transferred my XXXX account money from Optum Bank to XXXX XXXX Account. I was surprised to see Optum charge me a {$20.00} fee to make the transfer. I have found XXXX and XXXX mostly make it very difficult to close accounts and consolidate. I am never doing it because I dislike the companies- it is just because it gets out of control having XXXX accounts separately and then they separately charge their own fees. 

Is it ok for Optum Bank XXXX to be charging a {$20.00} fee when I am just moving my funds from point a to point b?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: UPGRADE, INC.
State: OH

Complaint narrative:
Between XXXX XXXX one of these days I found a website called upgrade.com I assume you can apply for a credit card with this card company. I submitted my social security number and address and phone number after to come to a page that requested me to submit my banking information. So I stopped. I don't understand their application process. And I called Saturday XX/XX/2023 their customer service to see if they could delete the application along with my personal information, they said they will hold on to my personal information for 5 years. Every consumer have the right to change their mind, and don't want to be bothered with this offer. I just want them to delete my personal information that is all. 
This is suppose to be a credit card company : Upgrade com address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Most websites allow you to delete your personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have filed a dispute in regards to the inaccurate items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-09-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
multiple times I dispute fradulent accounts, but all 3 credit credit reporting agencys, keep saying information is correct, please help me to remove 12 fraudulent accounts from my credit report, XXXX and XXXX removed 6 fraudulent accounts, please also help me with XXXX XXXX and XXXX to remove remaining fraudulent accounts from my credit report, I'm attaching all fraudulent accounts witch one I print it and uploded. 


police report also uploded

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 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
{$9500.00} was taken out of my Bank of America checking account via bill pay to another Bank of America Credit card owner 's account on XX/XX/XXXX. 

I noticed the mistake or fraud charge against my account on XX/XX/XXXX. I called Bank of America and reported the charge the same day. I was told to wait 10 days for a response. I called back 10 days later and was told my claim was denied due to it being filed to the incorrect department. It was supposed to be sent to the electronic bill pay department. I was told it was resubmitted to the correct department. 

I called again on XX/XX/XXXX to be told that my claim was closed due to there being evidence that I submitted the payment from my phone. I did not submit any such payment.

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 monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit 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: PA

Complaint narrative:
I filed a charge back with Capital One after the company XXXX XXXX XXXX XXXX ( XXXX ) had me pre-pay for a service, violated our contract by not performing that service ( they never showed up on our scheduled date and time ), and then not refunding my payment. At first, Capital One provided me with a credit. Then, they reversed the credit. I called and asked why, and they stated that it was reversed because XXXX lied and told them that I canceled the appointment. That is not true. I waited for the detailer to show up, and when no one showed up, I called XXXX and the agent said she couldnt get ahold of the detailer. She offered to reschedule, and that it would be with a different detailer, but she wouldnt be available to detail my car until days later. I declined and said I would like a refund since I didnt receive the service. She obliged and said she put in the refund and I would receive it in 7 to 10 business days. That time came and went, and when I would email XXXX they never responded. When I called, I would constantly get the runaround and agents would state my refund should have processed by now and that a manager would call me back. A manager never called me back. At this point, my only choice was to file a charge back with Capital One. This business ( XXXX ) has dozens of the same reviews on XXXX. That no one shows up to perform the service, and they never refund the customers. Im surprised that a company like Capital One believed their lies that I canceled the appointment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it 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 2023-09-16 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: AL

Complaint narrative:
Remove fraud account from my file. you are violating my consumer rights.

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 2023-09-16 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: AL

Complaint narrative:
Remove fraud account from my file. you are violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: NE

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I do not have a balance with the school. And on the loan is stating that i'm currently in status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief