vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent our multiple letters to each Credit bureaus about reporting Inaccurate information on my consumer report to other companies without my consent or authorization ( Identity Theft ). Due to each bureau reporting this has caused me to be denied for the necessaries I need to live such as a home, car, credit cards, business lines of credit etc. As the consumer I am not Injuries by the actions that have been taken by the bureaus. This has caused me a MAJOR hardship, the damages and losses have been tremendously over whelming. I have called and sent out letters by mail, as well as filing multiple disputes multiple times Since XX/XX/XXXX up until today XX/XX/XXXX. The bureaus have not responded back and the in accurate information is still being constantly reported. I have bee receiving letters in the mail from third party debt collectors saying that I owe them. I never set up an account with. 
EXPERIAN, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXR, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 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 2022-08-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Consumer Portfolio Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I decided to work with XXXX XXXX XXXX  to purchase a new vehicle. I was denied because they wouldn't accept the check stubs we get at my place of work. Which is direct violation of 15 usc 1611. Therefore it has caused me harm and stress. Furthermore I asked for there TIN and I was denied and given a false cooperate number by one of there associates which we have on recording. We will be sending our intent to sue letters to this company as well. This is also in direct violation of 15 usc 1635 and this will cost this company. Also thank you for that rude as phone call on XX/XX/2022 and giving false infortmation. That agent needs to be fired not understanding consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SF VAGO, LLC
State: TN

Complaint narrative:
This is to reference State Farm Bank also EMLVP, LLC as the loan originator for my RV trailer. I had called in XX/XX/2022, XX/XX/2022 and XX/XX/2022 to check on terms to Voluntarily Surrender my trailer. I was mailed via USPS a form and I diligently faxed it back after I had spoken with a rep from State Farm Bank for over an hour and a half making sure I was clear on the terms I received a Fax successful so I knew that it had been received. 
I called today to check status as a rep never called within the 10 days the form and rep said would happen today after seeing a 90 day late payment status on my consumer credit report I called State Farm Bank and was told, The image was distorted so they couldnt accept it. I replied, No one could call or follow up on this matter? Rep did apologize as I am sure it wasnt his direct fault. 
I had assumed since I gave instructions initially on address phone and all pertinent contact info that the RV had been picked up since it wasnt being used and in possession of my ex husband in XXXX. ( I have since relocated to XXXX  ) and no longer communicate with him. I stopped making payments as directed. 
I am frustrated with the lack of communication and honestly believe it is an unfair and unethical business practice. 
I want the negative payment status on my credit report removed as it shouldnt be reflected this way. 
Also, I am contemplating if I should seek legal council on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted Transunion in regards to furnishing an Insurance Score that I never gave permission for Transunion to furnish, report or share. As a result of Transunion sharing this information with Insurance companies and Rental Car Companies I am not allow to have access to rental vehicles which I am in great need of. Transunion producing an Insurance without my permission is against my consumer rights. They have violated the following : 15 USC 1681 ( D ) 15 USC 1681S - ( 12 ) ( b )

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 2022-08-12 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: DISCOVER BANK
State: NJ

Complaint narrative:
This company is reporting to my credit report and they have not answered any of the letters I have sent to them requesting to provide information about this account, I tried to communicate to the credit bureaus and was unsuccessful since they refused to update the information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I asked for my overpayment all be allocated to principal. The person who responded pretended that I had not made a request, and instead chose to respond as though I asked a questions, and did not follow my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I closed my card because I wasn't using it and did not want to pay a membership fee for a card I don't use. My balance was XXXX. Spoke to Citibank customer service told them to close the card in XXXX was assured I would get a confirmation # and they never sent one called 2 more times same issue same response but still they harass me with phone calls and messages demanding payment of a membership fee {$99.00} for a card I don't use and haven't used for months with a XXXX balance. Only balance showing is their membership fee. Please help me get them to stop calling and harassing 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 2022-08-12 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: TN

Complaint narrative:
I have contacted all 3 buereas about a hard inquiry that was not authorized by me " XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX florida XXXX XXXX as well as a collection of {$1000.00} from " XXXX XXXX XXXX '' I am unaware of the collection this was not authorized by me. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX tn, XXXX I asked that these things be removed from my report as of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
-USAA Banking : inquiry/ investigation and no action -XXXX : no action taken -FBI cyber crimes complaint XXXX no action taken XXXX XXXXXXXX XXXX : XXXX transaction - {$1000.00} : dollar amount from fraudulent scam transaction authorized by buyer I initiated a XXXX fraud/ scam complaint with my bank, USAA on XX/XX/2022 XXXX My bank informed me on XX/XX/2022 that I would not receive a refund credit to my savings account because the XXXX transaction I had authorized to a scam seller/ service provider is not Federally insured.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This company is reporting to my credit report and they have not answered any of the letters I have sent to them requesting to provide information about this account, I tried to communicate to the credit bureaus and was unsuccessful since they refused to update the information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This company is reporting to my credit report and they have not answered any of the letters I have sent to them requesting to provide information about this account, I tried to communicate to the credit bureaus and was unsuccessful since they refused to update the information as well.

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 2022-08-12 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately. 

Name of Account : XXXX XXXX XXXX Account Number : XXXX Verification : Delete account for failure to perform an investigation per fcra regulation * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file.

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 2022-08-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-08-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
date XX/XX/2021 the amount XXXX I called the company named XXXX XXXX XXXX XXXX, XXXX and advised them that my identity was stolen, as I have never lived in Texas, and I also filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
We were working with a roofing company on one of our rental properties. I paid the deposit ( 50 % ) of the Invoice and the work began. At some point during the email conversations, our emails were hacked and the scammer created a new domain similar to the company 's domain. They began spoofing our emails back and forth and requested final payment be made to their office admin through XXXX, as to not incur any fees. I made the payment as instructed, only to find out a week later that there was no one in their office with this name. I contacted Bank of America and started a fraud claim. BOA denied my claim because the payment was processed and send to the " intended recipient '' and they could not recover the money. Their letter stated to " contact the person you sent the funds to directly. '' Not possible since that was a scam account and they have since moved on. I have been a loyal BOA customer for 21 years and they are FDIC insured. I would like my money refunded in good faith as a loyal customer. 

In doing my research, it states : What Do You Do If You've Been XXXX Scammed? 
If you've been scammed with XXXX, you should contact your bank and report the loss of funds as soon as possible. 
Some banks reportedly have refused to offer refunds because the federal law protecting consumers from the theft of their funds applies only to " unauthorized '' transactions. 
In XX/XX/2021, the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent P2P transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. 
The CFPB also stated that banks can not consider consumer negligence as a factor or claim that consumers waived their protections in their bank account agreement. 
If you've been scammed with XXXX and your bank refuses to return your funds, you can file a complaint with the CFPB, which forwards consumers ' complaints to financial institutions to respond.

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 2022-08-12 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: SC

Complaint narrative:
I have contacted the creditor and the credit bureaus on numerous occasions about the account being reported inaccurately to Equifax. 
I sent Equifax written dispute correspondence on XX/XX/2022 and XX/XX/2022 disputing that after I paid the account they are still reporting the account as derogatory and 120 days late. The accurate account status should be updated to reflect PAID, has XXXX and XXXX have updated on their reports. Since Equifax just Verrified the account I made 2 phone calls to them one on XX/XX/2022 and one on XX/XX/2022. On the call on XX/XX/2022 they stated they would put the account in dispute and claimed they had not received the written communication. Then I called on XX/XX/2022 and spoke to a supervisor that stated Equifax did not update that information on their end, which is inaccurate. They are responsible for ensure what they are reporting is accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Made a purchase on XX/XX/XXXX from XXXX for 2x agendas and a notebook. I did not open any of the items and proceeded to return one of the agendas and notebook to XXXX. XXXX denied the return since they stated they had been opened ( they were not, they were in the same condition as they were in when I received them ) and XXXX told me to dispute with my credit card. I opened a dispute with Apple Card on XX/XX/XXXX and provided the required documentation the same day. I did not receive an answer on this dispute until XX/XX/XXXX that the dispute had been resolved in XXXX ' favor because I received the merchandise ( not the reason I filed the claim, the claim was because I was not being allowed to return the merchandise per XXXX ' return policy ). I asked for the claim to be reopened, provided more detailed information about the situation and submitted this on XX/XX/XXXX. On XX/XX/XXXX I received a response that the claim had again been denied. It then took another 2 1/2 months for the temporary credit to be removed from the card so I could pay it off and free up that credit. Horrible experience. Poor communication. None of the reps know what they are doing. If it wasn't because it was XXXX branded I would have canceled this card long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Dividend Finance Inc.
State: TX

Complaint narrative:
On XXXX XXXX signed contract for a Solar Power System from, XXXX XXXX XXXX XXXX XXXX Contract states that the payment to this company would be done by Dividend Finance in two steps, or Milestones. Seller/Contractor meeting certain requirements related to the design and installation of the Collateral ( Milestones ). The first Milestone is the submission of an installation agreement, work order, or other document, if required by Lender, that provides the details of the design and installation of the Collateral ( Milestone 1 ). The second Milestone is the installation of the Collateral ( Milestone 2 ). Lender will disburse a portion of the Principal at Milestone 1 and will disburse the remaining amount at Milestone 2, and the amount disbursed at each Milestone will be based upon arrangement between Seller/Contractor and Lender. 

The system has not been fully installed or activated and Dividend Finance have paid XXXX XXXX XXXX XXXX XXXX the full amount of loan. This is a breach of contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: Cascade CISS Holdings, LLC
State: AZ

Complaint narrative:
I've tried to reach out to Credit plus concerning my consumer report and how they're violating my rights. This company proceed to report to my consumer report without my consent i asked this company to provide an SSA-3288 to show that i gave them consent to report anything on my consumer report this company decides that they don't have to provide anything, and they can continue reporting to my consumer report. This company have to remember that there are laws that they must follow and that they have to respect my right to privacy. That Federal Law trumps policy and that they're violating me according to 15 US code 1681a ( 2 ) ( Exclusion ) it clearly states in that law what can and can't be on a consumer report Transaction & Experiences was some to throw out there that they clearly don't follow when it comes to the consumer and they're consumer report. And as a consumer this feels like public humiliation because of what Credit Plus put on my consumer report. I told Credit plus to provide me with an SSA-3288 form to show that i gave them consent to do illegal activity on my consumer report even if they're process is online, in an office, or on a boat they still by law have to provide proof that i gave them permission to do illegal activity on my consumer report. Without permission Credit plus have to understand that i have a right to privacy. And they're violating my 5th amendment rights and they must uphold the constitution According to 15 US code 1681 ( n ) I'm supposed to be protected against agencies that didn't get permissible purpose to obtain my consumer report and i should be reward XXXX dollars per violation and account removed because of these illegal activities. I could but i want to pursue criminal charges according to 15 us code 6823 because i told Credit Plus that they were violating me, and they didn't even take what i was saying serious. Credit Plus has caused hardship to not only me but my kids also by not removing this account instead they are now deciding to continuously violate more consumers rights. According to 15 US code 1681 ( b ) This law alone shows that they just going to keep violating consumers rights i would like for this issue to rectified with an explanation to why do they think they can violate consumer protected laws

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: NJ

Complaint narrative:
There is a " satisfied '' XXXX collection on my account and it's on two bureaus. 
They both have illegally re-aged it ( transunion and XXXX ) and XXXX does not report it ( becuase it's erroneous ) XXXX reports positive payments on a paid collection which is not legal or possible. Transunion reports current date of last active status. This should not be on my report abd the bureaus continue to report incorrect 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