vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I purchased a XXXX XXXX XXXX ( XXXX : XXXX ) from a private seller on XX/XX/XXXX via a loan from XXXX XXXX XXXX. 

On XX/XX/XXXX I woke up and the vehicle was gone from my residence. I tried to file a police report assuming it was stolen and the XXXX was ran and came back as repossessed by Ally Bank. 

I have no connection to Ally Financial, nor does the seller. They have offered zero help and have just taken my vehicle with zero notice or warning and now XXXX is asking for the money they lent out back. 

I am up to date on all payments and did not do anything to warrant a repossession of my property, nor was I warned of this happening. 

It may be important to note that the person I bought it from purchased this vehicle from an auction by the XXXX XXXX  XXXX. 

The vehicle DOES have a lien on it from Ally Bank but it does NOT involve me or anything I have done so I was hoping they would help me and they have offered nothing. Now I am out a vehicle and potentially money I dont have. 

Ally should be held accountable for taking my vehicle from 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 2023-05-30 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: U.S. BANCORP
State: FL

Complaint narrative:
My credit card company processed duplicate transactions for 2 separate transactions. I tried to resolve the issue multiple times with their customer service department, but their system disconnects me. 

I attached a screenshot showing the 4 transactions on my online portal and I also attached the statements showing 2 transactions. The transactions were to a company called XXXX XXXX. See the attachements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30 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: IL

Complaint narrative:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

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 2023-05-30 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: WI

Complaint narrative:
I have taken a review of my credit report and notice accounts, address annd phone numbers that werent authorized I havent made any contracts with these companys and I dont recognized these companies. I have filed an identity report and law requires you to remove accounts and addresses with four days. Be advised that this is a serious mater and would like this handled immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: AR

Complaint narrative:
I am trying to buy a home. In XXXX I paid off any delinquent accounts I had after unfreezing my credit reports. My accounts where frozen because I received a injury and was waiting for my XXXX. Since then They have told me I needed to get some credit cards, Which I pay off every month. I have taken out three credit cards. XXXX, XXXX, and Transunion are all reporting delinquent accounts and I have none, which they say impacts my score. First I didn't have enough debt, then I had to much debt and since I paid everything in XX/XX/2023 they continuously taken my scores down, XXXX was XXXX, XXXX XXXX, and Transunion XXXX in XXXX, Now I am showing in the high XXXX  on all three and one of the reasons they are giving me is no mortgage. IF they are continuously decreasing my score with stating I have delinquent accounts which I do not, and they are keeping my scores so low, I cant get a mortgage. This is not right. I never would have opened any credit card accounts except they told me I needed to. And I pay them off every month, so how as a consumer is this right?

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 2023-05-30 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: AR

Complaint narrative:
I am trying to buy a home. In XXXX I paid off any delinquent accounts I had after unfreezing my credit reports. My accounts where frozen because I received a injury and was waiting for my XXXX. Since then They have told me I needed to get some credit cards, Which I pay off every month. I have taken out three credit cards. Experian, XXXX, and XXXX are all reporting delinquent accounts and I have none, which they say impacts my score. First I didn't have enough debt, then I had to much debt and since I paid everything in XX/XX/2023 they continuously taken my scores down, Experian was XXXX, XXXX XXXX, and XXXX XXXX in XXXX, Now I am showing in the high XXXX on all three and one of the reasons they are giving me is no mortgage. IF they are continuously decreasing my score with stating I have delinquent accounts which I do not, and they are keeping my scores so low, I cant get a mortgage. This is not right. I never would have opened any credit card accounts except they told me I needed to. And I pay them off every month, so how as a consumer is this right?

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 2023-05-30 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: MD

Complaint narrative:
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX RE : Fraud report TO WHOM IT MAY CONCERN : Dear Sir/Madam ; My name is XXXX XXXX XXXX XXXX XXXX resides at the above mentioned address in XXXX, Maryland. My last four of SSN : XXXX. I work with : XXXX XXXX, XXXX as XXXX. I received a copy of my credit reports from XXXX, XXXX, Experian and XXXX with the intention of trying to improve my credit and take care of my responsibilities, but noticed a little information on my credit report that seems inaccurate, inconsistent & unverified, and I need it fix immediately. They are not reporting consistently, and accurately about my information, which I identified as some discrepancies. XXXX, and Experian repots on my credits that on XX/XX/2022 an unknown & unauthorized individual fraudulently attained my personally information and made claims to a company called : XXXX, at address : XXXX XXXX XXXX XXXXXXXX OH XXXX XXXX through 'Inquiries ' which has impacted my credit, and credit scores negatively. I contacted these consumer reporting bureaus to dispute, which processes are ongoing, but they requested me to contact your office to report as a way to initiate the dispute process so they can delete the information from my credit report and update my account. I read the Fair Credit Act where it says by law, I have the right to challenge anything inaccurate, unverified, inconsistent. Some of the people reporting things on me are not reporting accurate information.

However, according to 15 U.S.C Sec. 1681 ( a ), ( b ), ( e ), ( f ) which guaranteed me, or any consumer constitutional rights guaranteed by law. This law basically guarantees consumers rights to 'consistent-accuracy about reporting. This particular incident is a 'fraud ' and is an identity theft affecting me and my credit reports. This reporting process does not meet compliance standards in guaranteeing my civil rights as provided by compliance standards. Henceforth, it is upon these legal grounds I request you initiate an investigation, and request them to delete any, and all information about me in their companys system because they are inaccurate, and it compromised my identity. Kindly investigate, correct and update my information. Once confirmed I request you provide me an update as soon as possible in the next 30 days as prescribed by law.

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 2023-05-30 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.

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 2023-05-30 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: AZ

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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 2023-05-30 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: CBC Companies, Inc.
State: AL

Complaint narrative:
On XX/XX/2023, XXXX XXXX XXXX, a representative of XXXX XXXX, located at XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, contacted me to be my daughter 's co-borrower on a home loan. XXXX XXXX stated I would need to sign some additional documents received via email to proceed with the loan ( and I never received any documents because the loan was brought to a halt for reasons beyond my knowledge ). XXXX XXXX also requested my social security number ( which I gave him in good faith ), and he was not supposed to run my credit report or proceed further until I received and signed the additional documents mentioned above, authorizing him to move forward with the loan. 

Due to this misunderstanding, my credit report was accessed prematurely, leaving me with an inquiry that never should have been requested of my report. My daughter did not use their company to purchase her home, and I believe accessing my credit report was negligent of their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a USPS Certified Letter to Experian, XXXX, and XXXX on XXXX XXXX, in regards to several discrepancies I discovered on my consumer report. Please investigate and DELETE the following account : XXXX ACCT # : XXXX Why is this account reporting 2 different Dates of Last Activity? Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX Date of Last Activity is reporting 2 different dates. Delete this account. 
When the requested above Deletions are made, please mail me an updated copy of my consumer report. 
XXXX XXXX ACCT # : XXXX Why is this account being reported with 3 different Dates of Activity? Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX This account reports 3 different High Balances and 3 different Dates of Activity. Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX Why is this account reporting 2 different dates of Last Payment and 3 different Dates of Last Activity? Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX Date of Activity is reporting 3 different dates. I am entitled to a complete and accurate report.Delete this account.

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 2023-05-30 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:
XX/XX/2023 - Asked credit report agency to verify accuracy of information. 

XX/XX/2023 - Investigation results ; Verified and Updated information After the investigation for timely, accurate, and verifiable information from creditors, there were still discrepancies and inconsistencies across all three-credit report ( s ). 

Name Of Account / Acct Number Verification Collection Management : XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX In accordance with the Fair Credit reporting Act, the accounts above have violated my right.

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 permission.

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 2023-05-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am hereby requesting the immediate deletion and removal of the following accounts and associated information from my consumer report. It is evident that the accounts and information listed below should not be reported on my consumer report, as their inclusion directly violates the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist on the swift deletion and removal of these accounts and information from my consumer report in order to rectify the multiple violations of these important laws. I urge you to take immediate action to remove these accounts and information without any delay.

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 2023-05-30 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:
I have a twin sister that open and account with XXXX time share and she used all my personal information her and a friend of her 's went out of town to XXXX XXXX and brought a time share i have since then file a report with Ftc, Attorney general office and experian along with i have a police report and made the other credit report agency aware i have a identity theft report also. i contact XXXX still no response back to close this off my credit report i have sent in all documents to prove it isn't me i just want this out my credit report i have worked to hard to get my credit score up i have been deputing this for the last 5 or 6 months. I have sent over all requested document to experian and still waiting for XXXX so i can send them information as well but no response this is a {$6700.00} dollars debt i want off my name ASAP each time i call told someone will contact me in 3-5 days still no call yet

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 2023-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had many issues with a checking account with Wells Fargo many years prior and closed the account due to thousands of dollars of overcharge fees and freezing my account over and over. When trying to purchase this vehicle Wells Fargo was the only bank with the lowest interest rate so I accepted the car loan. My interest was changed to a higher amount after I purchased the vehicle, I was charged fees for being late when my payment was made on time and they had just not processed it. I received calls saying they were going to reprocess my vehicle and I was up to date with all of my payments, they charged fees and added them to the loan. The loan was opened XX/XX/XXXX and my car was totaled and my car insurance paid the loan off in XX/XX/XXXX with my GAP insurance is what I was told. The fees were never reimbursed although they were unlawful fees, the constant bullying and threats that my car would be taken even though I never missed or was late on a payment on this vehicle. I should have known to not accept the loan through this bank due to the thousands of dollars they cost me years prior. I was offered another loan for my new car in XXXX and denied Wells Fargo and went with XXXX. This bank is fraudulent in every way and steal money from their good standing customers, and harass them.

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 2023-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
To whom may concern, I fi rst thought that a wasnt being approved for any credit card when I wanted to start my credit journey because I was stillyoung. But when a start the process of buying a house with my husband i found out throught my credit report that I was being charged withaccounts that were not mine. The collections agencies have been calling non stop and threatening me to take legal action on something I have not done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
On my XXXX and XXXX credit reports I have had 4 hard inquiries from two different companies. Both companies inquired on XX/XX/XXXX  and again on XX/XX/ these were not requested by myself. The listed phone number for FEBDESTINY has been disconnected, and the number for CB INDIGO only asks that i input my SSN # The hard inquiries were from the following companies/individuals. 

FEBDESTINY Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual CB INDIGO Location XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Please let me know what the next step is or the outcome because these have been substantially lowering my credit. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I just opened account online on XX/XX/19 and made an initial deposit. Today, I just tried to log in online and was told my account was locked due to fraud detection. They wanted me to come into a local branch to verify my identity. However, I am out of town on a business trip for 5+ months and there is no branch located here. I offered to go into an affiliated bank here but they declined. I am out of options so wanted to close my account and be refunded the deposit since I can't have access to my money. They told me that I could not close my account until I visit a local branch which is impossible.

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