vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
On XXXX the XXXX Citizens One Auto Financial had authorized XXXXXXXX XXXX XXXX  from XXXX, IL to repo the XXXX XXXX XXXX ( XXXX ) out front of my home and ordered by Senior Vice President XXXX XXXX. I had purchased this vehicle in XXXX of XXXX three old from and used. I had gone to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Sale Consultant XXXX XXXX. I had traded in a XXXX XXXX because it was shot up in front of my home. I put down a {$3000.00} payment in order to have a lower car note. My car note had a 7.120 % {$660.00}. 

I always had sent my car not payment through the USPS because Citizens One address Citizens One Consumer Loan servicing XXXX XXXX XXXX XXXX XXXX XXXX the vehicle has been damaged by the towing company at the front of the hood, scratches are on the front and back area of the vehicle and a seat cover was removed from the passenger 's side, I feel that the contract has been breached and I am requesting for a review of the contract, also the claim that payments of XXXX, XXXX and XX/XX/XXXX they didn't receive they did, I have receipts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: AR

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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( 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 informationisinaccurate.

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 2024-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

Furnishers report differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

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 2024-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX  have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : CAP ONE - XXXX, CAP ONE - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: Millco Management
State: SC

Complaint narrative:
Amerifinancial Solutions has inaccurately reported on my consumer credit report. It shows the account was opened on XX/XX/year> which is incorrect. The balance is reflecting {$920.00}, which is incorrect. I have sent letters expressing that they have violated my XXXX rights. The fact that this was from the emergency room, they have violated my rights. I am allowed under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the XXXX does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request was twofoldvalidation of debt and XXXX authorization. I demanded they provide me with a breakdown of fees including any collection costs and medical charges, provide a copy of my signature with the provider of service to release my medical information to you, and to cease any credit bureau reporting until the debt has been validated by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: Radius Global Solutions LLC
State: CA

Complaint narrative:
Car was deemed total loss XXXX paid XXXX XXXX XXXX refused too pay because they said my gap was voided because I received XXXX extension during pandemic XXXX XXXX government shut Downs now they sent me too collections and XXXX charge off on my credit report never sent me the title I paid over XXXX in interest on XXXX XXXXXXXX XXXX car.

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 2024-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Larry H. Miller Group of Companies
State: PA

Complaint narrative:
XX/XX/year> Amount {$660.00} I.m seeking action toward this amount cause i.m dispute this amount and XXXX payment {$220.00} is the issue being late cause of Financial hardship but it will be paid soon and the company is Threatening to close my account and cancel the Loan cause of pass due on the loan...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: WI

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Recently I pulled my credit report it was also was sent a credit report by TransUnion The report number for the credit Report # Is ( XXXX ) date issue was XXXX. Transunion, XXXX XXXX late payment XX/XX/XXXX, XXXX XXXX XXXX late payment XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- are violating my consumer rights by reporting late payments for the that they have not proved to be verified as accurate. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. I have posted the date associated with these late payments next to the name of the creditor. Once again I have always ensured that payments on this accounts above are made and were made on time, never allowing them to become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.Company information

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 2024-06-04 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX Bank # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-03 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
My name is XXXX XXXX and Im a long-time PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock of a You can no longer do business with PayPal email today. At the advice of counsel, Im sending a polite message with details and information so that this policy mistake can be corrected and that my account can be restored to full functionality. Im emailing you off a different email due to not having access to my email linked to my account which is XXXX. My phone number is XXXX. All details are in the attachments below. I am a business and I have a {$600.00} balance in the account that I currently cant retrieve. That money is mine & I feel its being stolen from me. I primarily use my PayPal for Online Transactions. I receive occasional income from tips. Everything I do on PayPal is completely legitimate. Here are several examples of recent transactions : [ XX/XX/year> ] : [ {$600.00} ] received from [ XXXX XXXX  ] [ XX/XX/year> ] : [ {$600.00} ] received from [ XXXX XXXX ] [ XX/XX/year> ] : [ {$600.00} ] received from [ XXXX XXXX ] None of these violate the AUP. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. I looked on XXXXPayPal and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days. I worry that it will shake the publics faith in PayPal as a reliable service, especially if users take their complaints to the appropriate business oversight authorities. 


I do not have access to the email listed to the account anymore. So you're providing details and information to an email that i have no access to. Like i said before in the countless messages I've stated before. My account is still permanently deactivated. i have {$600.00} of funds, being stolen from me, all because of the incompetence of your company and lackluster employees who offer zero corporation. I demand this issue be taken to an actual competent executive of your company and I demand my account be reinstated so I can take the funds out that are being stolen from me. I do not want another email from you people. I want this situation fixed and my account reinstated so I can withdrawal the funds you people are holding hostage. I will continue to reject your responses until my account is back and functional and the money is able to be withdrawal from my account. 


I look forward to hearing back from you once my case is reviewed and the limitation is reconsidered. The Email you may send an apology to is XXXX I hope to hear back soon. Have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: CA

Complaint narrative:
i recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that it was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates, XXXX XXXX im now requesting you to investigate this account and update these payments to paid on time immediately. thank you for your understanding and prompt action.

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 2024-06-03 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:
i recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that it was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates, XXXX XXXX im now requesting you to investigate this account and update these payments to paid on time immediately. thank you for your understanding and prompt action.

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 2024-06-03 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:
i recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that it was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates, XXXX XXXX im now requesting you to investigate this account and update these payments to paid on time immediately. thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: VA

Complaint narrative:
I am filing a complaint against Absolute Resolutions Investments LLC for their failure to provide proper validation of an alleged debt and for attempting to collect a debt beyond the statute of limitations. Despite my repeated requests, Absolute Resolutions Investments LLC has not provided adequate documentation to substantiate the debt, including the original contract and proof of ownership. They also incorrectly claim that I made a payment on XX/XX/XXXX, which I categorically deny. 

Additionally, the debt in question originated on XX/XX/XXXX, and under Texas law, the statute of limitations for debt collection is four years. As of XX/XX/XXXX, more than four years have passed, making this debt time-barred. 

I request that Absolute Resolutions Investments LLC cease all collection activities and correct any misinformation on my credit report. I also request that regulatory authorities investigate this matter and take appropriate action against Absolute Resolutions Investments LLC for their unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: IL

Complaint narrative:
As per FCRA 605B, I think we need to remove any incorrect accounts from my credit report. Can you check the documents? There are inaccuracies in the listed accounts ' reporting, amounts, and dates.

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 2024-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This was paid off Was told it would be removed from credit report It is over XXXX XXXX XXXX XXXX wrong, never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened a checking account on XX/XX/year> with Bank of America using the following link https : //promotions.bankofamerica.com/offers/chooseyourchecking200 I've met the requirement ( {$1500.00} direct deposit ) but never got bonus from them. 

I called them 2 times, their rep agreed I should get the bonus and submitted inquiries on my behalf, but still no progress. 

Most recently, I called them again, a rep ( based in Alabama ) checked for the responses for me, she admitted that in addition to having met the direct deposit requirement, I also was not a signer on or owner of a Bank of America personal checking account within the last 12 months. However, she said I had signed on for BOA checking bonuses in the past so they can not give the bonus to me. 

I have attached their offer term ( screenshot ) below, or you can review their still ongoing offer ( link above ), there is absolutely no such restriction such that offer is good only once life-time etc, so I believe BoA is not being honest here.

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