vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC
State: MA

Complaint narrative:
On XX/XX/2022 American Credit Acceptance has accessed my credit report. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit. Following this incident, I have placed a fraud alert on my credit report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
XX/XX/XXXX and XXXX this credit card company tried to pull {$3000.00} out of my bank account the first was unsuccessful but the second time it was accepted. They were not given permission to do so I was not late on payments. I have called multiple times I have sent a letter like the agreement has stated and also called corporate with XXXX success of any reassurances that this will not happen to the other accounts I have with this company. They illegally took the money out and stated it was pulled and paid on the XXXX which no activity in my bank until the XXXX and again on the XXXX. Ive called and asked for recordings taken on the XXXX around XXXX XXXX  they said they could get them at first but no return calls or updates along with asking for an answer or investigation into what happened. Ive called customer service multiple times and am now being told not even the notes state what happened to my account. This company is trying to cover up illegally pulling money out of my account without missed payments from me as a consumer or with permission to pull with auto pay Ive told them multiple times that I did not give them permission to do this and nothing has been resolved with this company as of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: Uplift, Inc
State: MN

Complaint narrative:
I sent in FCRA violation on Uplft inc. i receive a message from my XXXX XXXX services that something was remove! Uplift or XXXX I asked for the account he removed for FCRA violations and in accuracy with both of you please respond and tell me what was removed because I requested the entire XXXX XXXX  be removed nothing else and Ill be waiting your response I think you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I AM A VERY RESPONSIBLE PERSON, AND I DONT LIKE TO HAVE MANY CREDIT CARDS AND I DON'T CARRY A BALANCE ON THE FEW CREDIT CARDS THAT I HAVE. ON MY XXXX XXXX XXXX XXXX WHICH WAS OPENED BACK IN XX/XX/XXXX, FOR THE MONTH OF XX/XX/XXXX ITS REPORTING A LATE PAYMENT, WHEN IDDINT EVEN HAVE A BALANCE ON THAT CARD. I CALLED THE COMPANY AND THEY ARE NOT SURE WHY THERE ARE REPORTING A LATE, I CALLED THE EQUIFAX BECAUSE THATS THE ONLY BUREAU REPORTING THE LATE PAYMENT AND TEY SAID THATS WHAT THE CREDITOR IS REPORTING, EVEN THE REPRESENTATIVE AT EQUIFAX WAS CONFUSED WHY THERE IS LATE REPORTING WHEN THERE WAS NEVER A BALANCE ON THAT CARD. I HAVE BEEN GOING BACK AND FORTH BETWEEN EQUIFAX AND XXXX XXXX XXXX TO HAVE THAT WRONG NEGATIVE REPORTING REMOVED FROM MY CREDIT REPORT AND NO ONE SEEMS TO CARE TO HELP ME. I ONLY HAVE 3 CREDIT CARDS AND ALL 3 CREDIT CARDS I HAVE XXXX BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-12-29 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: First Credit Services Inc.
State: FL

Complaint narrative:
After disputing a collection account that was being reported in error and noncompliance with Metro 2 on my XXXX credit report was deleted on XX/XX/XXXX, it was then re-added on XX/XX/XXXX back onto my XXXX credit report without notification to me beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account 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 a account without my written instructions

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 2022-12-29 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: CA

Complaint narrative:
Tesla offered {$3700.00} referral credit and XXXX miles of supercharging for delivery of vehicle in XXXX to encourage buyers who placed holds on their delivery until XXXX to take advantage of the {$7500.00} XXXX tax credit. Due to this incentive I removed the hold from my order and I took delivery of my vehicle on XX/XX/XXXX. On XX/XX/XXXX XXXX increased the amount to {$7500.00}, double what was initially offered to take delivery between XXXX XXXX XXXX. How is that fair? 4 days later to increase the amount of referral credit. I would have waited to take delivery until the following Saturday. I reached out to the customer service in which I was communicating with throughout the purchase process, and was unable to reach a settlement and was told I was given the best offer at the time. They mislead me to believe that I was getting the best deal in exchange for waiting till XXXX to take advantage of the full XXXX tax credit of {$7500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: DE

Complaint narrative:
I was charged twice for a transaction from vroom in the amt of XXXX for the downpayment on a vehicle that i purchaced. XXXX does not show the XXXX pymnt when i contact them due to me only buying one vehicle. placed in dispute with reliacard us bank in the middle of XXXX and they have been coming up with every way possible to drag the dispute out all the way until the end of XXXX. they sent a letter claiming i did not submit the requested docs over the day after they recvd the final requested documents. i have proof of all faxed docs and success of these. i have faxed proof over to them as well and have yet to hear back. i have all proof that they have been sent the requested info and yet they still claim nothing recvd and do not have anyone to speak with and cust svc agents are rude and nasty. so you hit a brick wall

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 2022-12-29 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: MN

Complaint narrative:
I sent in FCRA violation on XXXX XXXX i receive a message from my XXXX  XXXX services that something was remove! XXXX  or Equifax I asked for the account he removed for FCRA violations and in accuracy with both of you please respond and tell me what was removed because I requested the XXXX XXXX XXXX be removed nothing else and Ill be waiting your response I think you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I was scammed by someone impersonating the federal trade commission in XXXX texas. I was told that my identity was used for money laundering and that I must secure my money with them for the investigation. I XXXX  the federal trade commission and verified that their number matched the number that called me. I processed to send my {$1500.00} through XXXX in XXXX payments {$630.00} and {$900.00}. They also asked for me to send a picture of my driver 's license. I opened a claim with XXXX and attempted to dispute the charges after I requested them from the receiver and they were denied. I also reported The recipient 's XXXX account. XXXX told me that I have to talk to my bank Santander. I called and initiated a claim and they denied it and told me that I have to talk to XXXX. I filed a police report and a report with the federal trade commission.

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 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
Bank of Omaha issued a fraudulent card to someone stealing my identity. XXXX was for XXXX XXXX XXXX 

Also, someone from XXXX  also tried opening card for XXXX airlines in my name. 

I need these closed and off my credit report. 
Thank you, XXXX XXXX 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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer 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 explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was removed off as an authorized user on a credit card from Wells fargo on XX/XX/XXXX. 

XXXX XXXX the credit card was removed off my XXXX bureau. 

XX/XX/XXXX it was placed back on my XXXX  bureau XX/XX/XXXX I filed a dispute with XXXX. 

XX/XX/XXXX Wells Fargo responds states its accurate reporting. 

XX/XX/XXXX XXXX I contact and speak with XXXX who states I was removed off as an authorized user on XX/XX/XXXX. He filed a complaint escalation form. 

XX/XX/XXXX XXXX Spoke with XXXX who verified complaint form was filed but not received to the specific department. Gave me claim number Case number XXXX XX/XX/XXXX XXXX XXXX states that it can 1-2 business days to get someone to help. And 10 business days to resolve the dispute. 

XX/XX/XXXX XXXX XXXX states not assigned and can take 10 business days to just look at report. 

XX/XX/XXXX XXXX XXXX states that it can take 10 business days to get a letter and they have no answer or date to when or if the account thats reporting incorrectly on my XXXX  bureau will be removed. 

XX/XX/XXXX I disputed the account on XXXX  again and still waiting on results. 

Its been over 30 days and not one person will remove this erroneous account from my credit. Its reporting incorrectly and affecting my score. Its causing harm to me.

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 2022-12-29 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: MD

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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 non-monetary relief
Consumer complaint received 2022-12-29 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: MD

Complaint narrative:
On XX/XX/2022, I completed a CFPB complaint on XXXX, TransUnion, XXXX XXXXXXXX XXXX, and XXXX regarding a bankruptcy report that is showing on my credit report. This is inaccurate information. None of the credit bureaus responded to a letter that I previously sent them in XXXX of 2022. So, I had to do a CFPB complaint to get some actual results and that still wasn't to my satisfaction as there was no method of true verification. 

The following are the laws that were violated : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681a- ( e ) I did not give a Permissible purpose nor did they have my written instruction.

I also contacted the US Bankruptcy Courts and they mailed me back a letter dated XX/XX/XXXX stating that they do not send information to the credit bureaus. So, the claim that it was verified by the US Bankruptcy XXXX XXXX XXXX, MD is not accurate. PACER also states on its website that they do not provide information to third parties either. I will be attaching both of those to this complaint. 

I will be attaching my driver 's license and a copy of a power bill.

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
An account has been open using my personal information with a loan company called XXXX, also with a XXXX XXXX XXXXXXXX XXXX XXXX. I have recently been made aware that a loan has been authorized without my knowledge until I received a welcome packet from XXXX which led me to look into this identity theft issue. I have spoke with XXXX via email & phone numerous times & they are not very helpful & are even requesting more personal info. or they would not proceed with the fraud investigation. I have been informed per Equifax that the loan amt on my credit report is showing {$8500.00} on XXXX. I am claiming this is not my account and I did not approve to receive this amt. We have found that there was an amount of {$1600.00} that was deposited into my personal bank acct as they also had my routing and banking number for this acct. I am not aware of where exactly the additional amount has been applied too as no info is being provided to me from XXXX. This {$1600.00} was deposited in my personal acct. in error and is in the process of being returned. The confusion was that the IRS was set to deposit a tax refund in that exact amt which made me believe that was where that money came from. I have made XXXX aware of this as well as my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under 15 U.S. Code 1681d2 ( 2 ) Exclusions - any reporting containing information soley as to transactions or experiences between the consumer and the person making the report. ( 3 ) the term " consumer report '' does not include ( A ) subsection with information being transformed between reporting agencies and consumers. This is in violation of my rights. XXXX, XXXX XXXX Transunion reported that they have verified all accounts but that is not true as for as charge offs and late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

How can you verify when you have several accounts that are paid/closed and still being reported as negative? Also, you have accounts listed as being late without providing proof of investigation procedures used to report these derogatory items on my consumer reports. 

15 U.S. Code 6802 ( a ) I did not receive any written or oral consent option to give any non-public information such as transactions to third parties such as the consumer reporting agencies. 
Per standards of FCRA and Metro2 Compliance anything reporting must be 100 % completely accurate, and verifiable which they are not. I demand a Cease and Desist to remove all negative items, such as Charge Offs and late payments as paid as agreed immediately.

With the latest news of the misrepresentation of information being incorrectly reported by both XXXX and XXXX with their law suits. I do not trust that my consumer reports are being handled the right way and I would like for them to be corrected.

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