vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC
State: MS

Complaint narrative:
American Credit Acceptance and I went into a contracted agreement for 72 months of an auto loan, They now say I still owe over {$9000.00}. I am not owing and they are still not applying monthly payments when they know I have paid them. Agents were instructed to note and apply payments to future monthly payments when I made double payments in the same months. For example, I paid XXXX XX/XX/XXXX, loan payments. One on XX/XX/XXXX for the month of XXXX and the XX/XX/XXXX, payment was paid on XX/XX/XXXX. I just called them yesterday because I saw on the history papers they did not apply that payments and many others. I want the principal applied to payments I paid double mouths to. What they sent about a repossession is not the payment I am mentioning. American Credit Acceptance I have been with 6 years now, have paid over {$33000.00} on a used {$18000.00} vehicle. They still are leaving payments off and not applying those payments. Again, below are some documents of what they are still doing and email I have sent. American Credit Acceptance have not given me any of these deferment or repossession documents before sending them out over to you all today. I am very disappointed and really wished in a million years I never dealt with this creditor. I have other lines of credit and not one of them has ever not applied my payments just to get more money from interest and principles. I have sent then bank statements here they are again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: AZ

Complaint narrative:
In XXXX of last year I attempted to buy auto and home insurance with XXXX XXXX. company and was denied due to 2 accidents  on XX/XX/2022. I only had one accident on that day but Lexis Nexis reports 2. I attempted multiple times to rectify this situation, but they refuse to even consider fixing this issue. The last communication that I had with Lexis Nexis was by letter from XX/XX/XXXX and they state that their information was collected from the XXXX XXXX XXXX and will remain in my file as accurate. 
Upon contacting the XXXX XXXX this morning I have procured a letter from their agent stating that Lexis Nexis is incorrect and have the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my right. 

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 consent instructions.

15 USC1666B : 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 non-monetary relief
Consumer complaint received 2023-04-04 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:
In accordance with the Fair Credit Reporting Act, the lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX. 

Account number : XXXX This account has violated my rights. 

15 U.S.C 1681 section 602 A : This states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : This also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section also states that no consumer reporting agency may make any consumer report containing any of the following items of information and 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 ) section also states that 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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've been trying to fix my credit, the three credit reporting companies have been showing me a higher score then what its been sending to people that inquire. as of right now XX/XX/2023 my experian shows XXXX and when I tried to refinance my auto loan through XXXX  XXXX on XX/XX/2023 they pulled a XXXX from Equifax, but used an experian pull for my when my wife tried to do the same. 
I have been paying 30 % interest on an auto loan for about two years and can't get a better rate because of all the inconsistencies with the reporting bureau 's and the choice to use on instead of the other is causing me to pay an outrageous fee to own a vehicle.

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

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states, a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1666 B .A Creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states, a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1666 B .A Creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: U.S. BANCORP
State: UT

Complaint narrative:
I filed a complaint regarding a hard inquiry on my credit report on XX/XX/ from a US bank and stated that I have never done any business with a US bank in the past or present. US bank replied to the complaint mentioning that the hard inquiry was part of the application process. They mentioned that the application that they assumed I filled out was rejected, and the reason was " UNABLE TO VERIFY IDENTIFICATION INFORMATION ON THE APPLICATION. '' I have never applied to anything with a US bank, and their letter indicated that the identity of the applicant was not verified. I tried to call US Bank several times to ask about what kind of application it was because I never applied to anything with US Bank, but I always get a recorded message asking me to go to their website to get an answer to most of the questions. 
US bank refused to remove the hard inquiry on my credit report even though they were unable to verify the identity of the applicant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express is engaging in fraudulent billing practices. I paid off the full " Adjusted Balance Due '' on my account but my account still shows unpaid " Adjusted Balance Due '' and " Minimum Payment Due ''. Note the adjusted balance due is always higher than the minimum balance. The adjusted balance due is the balance that must be paid to avoid interest, fees and penalties while the minimum balance due is the amount due to avoid fees and penalties. 

I reported this to Amex on three separate occasions but they continue to ignore the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Uplift, Inc
State: FL

Complaint narrative:
I paid off a loan with XXXX ( Loan ID XXXX ) and the account is linked to my phone number XXXX. 

I asked to have my account deleted on XX/XX/XXXX and was told " Your account can not be closed, but your loan is. '' Their privacy policy specifically states that you can close the account and have your information deleted. I wrote back further emphasizing the privacy policy and was essentially ghosted. My account and the related information is still available on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I received notification during XX/XX/ from the credit bureaus that a company called Transworld Systems was listed on my credit report for a collection debt in the amount of {$930.00}. The original creditor is XXXX XXXX. 

Someone has created a fradulent utility account under my name. This account does not belong to me. I have been a victim of identity theft. 

This utility debt is associated with an account in XXXX, TX. I have lived in the state of Louisiana for over 20 years. 

I have filed a police report and will provide supporting documentation to show my proof of residence over the last year. 

Also, I have filed a dispute with XXXX XXXX. 

Please remove this collection debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AVANTE
State: GA

Complaint narrative:
This company Avante USA has been harassing me in regards to an account that is over XXXX  years old and was included in 2 different bankruptcy one in XXXX  an the other in XXXX the statue of limitation has well over pasted on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I mailed a letter to TransUnion disputing information about BANKRUPTCY that is listed on my credit report/profile AS XXXX XXXX XXXX PENNSYLVANIA Docket XXXX XXXX. The item is now listed as NOT SPECIFIED ON MY CREDIT PROFILE/REPORT Date Filed XX/XX/XXXX, Date Updated XX/XX/XXXX. I requested this information be removed and protected by TransUnion. I asked TransUnion to validate the information that is reported on my credit report/profile that this information was directly received/verified from the UNITED STATES BANKRUPTCY XXXX XXXX PENNSYLVANIA and given to TransUnion directly. 

TransUnion responded with the not specified showing on my credit profile as of XX/XX/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 non-monetary relief
Consumer complaint received 2023-04-04 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: TX

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 name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Victim of fraud. This is a second report of a collection company representing XXXX & XXXX wireless, placing a derogatory action on my credit report for a fraud account out of Texas. Initial report number of similar incident is FTC report # XXXX. I do not or have had a XXXX & XXXX XXXX account. 

Current collection company : Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, Case # XXXX email : XXXX 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 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC has refused to reverse payments made from my account for services that were NEVER received. I am, at this point, DEMANDING the transactions be reversed and the funds be returned to me. However, since PNC enjoys colluding with scammers and approving of their methods, I have also now involved my family members at the White House and the Federal Bureau of Investigation, informing PNC has dragged this out going on 6 months and are refusing to refund money that was used to pay for services that were NEVER received. See attached article regarding XXXX founders, XXXX XXXX and XXXX XXXX, committing fraud via their app ( over {$1.00} XXXX dollars worth ). PNC has until XX/XX/2023 to credit the {$2100.00} back to my account, or everything will go dark sporadically until the money I was scammed out of has ALL been returned to my account. 
THIS IS GOING ON MONTHS 7-8 CHASING PNC TO REVERSE THE TRANSACTIONS ON MY ACCOUNT THAT WERE A PART OF A SCAM.

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

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Xperian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to dispute the incorrect reporting of my credit balance by Capital One Bank. Within just 5 days, my credit was reported to have a balance of {$60.00} and {$310.00}, when in fact my actual reported balance was {$0.00}. I have no idea why my credit was reported in this way, as I have not made any recent purchases or payments. This error is causing me great frustration and concern, as it could negatively impact my credit score and financial standing. I kindly request that Capital One Bank investigate this matter and correct the error as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc.
State: NY

Complaint narrative:
I placed an online order for a Tesla car. 

Reading through the website. They mentioned that they have {$250.00} non refundable fees, which I agreed to accept and wanted Tesla to finance the car. Their system would not let you continue with an order without first paying the {$250.00} then you can apply for financing. 

The website did not clearly indicate that approval for financing is not related to the {$250.00} non refundable deposit. I was denied credit and now i have choice of pay for the car cash or lose my {$250.00} deposit When I contacted Tesla, they stated that this is in the " agreement '' i clicked on to accept, which is really the fine print that no one reads, also the application designed to force you to pay the deposit before you get a decision on the financing. You can not even see your financing options or conditions before you pay that deposit. I think this might be legal by adding the fine print that no one reads but its unethical and a way to rob customers of a deposit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: IL

Complaint narrative:
I'm writing this complaint to TRANSUNION. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Child Support Recovery Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX from CSRS INC phone : ( XXXX ) XXXX called my place of employment unlawfully to try to collect deb that is not mine.

Company response to consumer: Closed with explanation