vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Randolph, Boyd, Cherry and Vaughan
State: VA

Complaint narrative:
Previously made contact with the agency of Randolph , Boyd , Cherry & Vaughan ( XXXX ) XXXX ; informed them that the debt in which they were trying to obtain was 1 ) Discharged in a bankruptcy by XXXX XXXX XXXX that was under the name of XXXX XXXX ; who was my cosigner of the loan for XXXX XXXX XXXX. 2 ) Informed them that the debt is 5 years old and per Virginia law they have up to 5 years to pursue this debt. This company has use railroading tactics and put a freeze and garnishment on my account that completely wiped out my account. 3 ) They were informed that the car was auctioned off for majority of the account. And that XXXX XXXX XXXX most likely had been written the remainder of the debt off. I feel that the attempt made to recollect on this debt is unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: IN

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2022-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE
State: MI

Complaint narrative:
Avante USA at XXXX South XXXX XXXX XXXX XXXX, TX XXXX phone number ( XXXX ) XXXX was a collection I recently discovered on my consumers report. I do not know this company. Avante USA did not provide me with any verification of claimed debt or permission to place it on my credit report. Never been contacted by Avante USA in regard to an outstanding balance of {$1300.00}. I have never done business with this company nor does this company have my permission to keep violating my rights by providing incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: GA

Complaint narrative:
I have been going back and forth with XXXX about a fraudulent account opened in my name in XX/XX/2015 which they have insisted is mine however have not provided any evidence supporting their information which I have asked for several times and they are legally required to provide to me by law. I have also provided TRANSUNION with a copy of this information certified mail and more than 30 days have passed without a response. I will be seeking compensation if the matter is not appropriately handled after this complaint has been filed. The debt has not been validated with the appropriate information and under LEGAL JURISDICTION they are violating my rights under the consumer protection act afforded by the FDCPA and can now be subject to a lawsuit with compensation of {$1000.00}. Beyond that I have provided them with both legal and federal documents negating the account is mine, which included an FTC Report which they are once again by law required to honor and a police report. I recently received a response from XXXX XXXX XXXX stating and I " quote '' they have sent this said account off to not XXXX but XXXX to be exact separate third party collection agencies which not only have they not provided me the name 's of but I was never contacted by to resolve since neither companies have my reporting address nor any other accurate information. I am also not understanding how this account was opened when you have to be military affiliated which neither I nor my family are. Once again they are violating yet another credit consumer protection law because per my current credit report it is reporting a past due balance of {$1000.00} in a charge-off status. The balance being reported is inaccurate since the debt has been picked up by several other agencies thus them receiving a tax break on the said owed amount. Per law the " past due '' balance should be showing as {$0.00} and since it is not and is inaccurately reporting per 15 U.S.C Sec 1681 ( a ) I now expect the account to be removed after final investigation. If it is not I will be suing. Please understand I am not providing you an option of removal of this account. It is being demanded and expected within the allotted 30 day time frame. Thank you

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 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Sombody used my bussines debit card, i file complaint I disputed claim number # XXXX Union bank denied my claim and stiil my monay, union bank keep me wait XXXX to returne my monay back, to the end claim denied!

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 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank National Association XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX USBank XXXX XXXXt Visa XXXX Statement included a {$95.00} -- annual fee in my XXXX statement I called the Credit Card Support and requested a reversal of the {$95.00} fee. A US Bank Supervisor called me on XX/XX/28, who directed me to apply for a different USBank Visa credit card that did not include an annual fee and the {$95.00} annual fee would be reversed and applied as a credit to my new card. 

I cancelled my XXXX XXXX Visa card and applied for a Cash + US Bank Visa card. US Bank is now refusing to credit my new Credit Card the {$95.00} -- annual fee. I would never have canceled the better card with the fee if I had not been told that the {$95.00} would be credited to my new Cash + Visa USBank card. Lessen learned is that a consumer can not count on the validity of support provided by USBank Visa Credit Card Supervisors. I will be cancelling my new Cash+ US Bank Visa card in the next couple of days.

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 2022-11-18 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-11-18 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: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF ED/XX/XX/XXXX XXXX U S DEPT OF ED/XX/XX/XXXXXXXX 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 of 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 2022-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was solicited multiple times to request a credit line increase. I submitted to credit line increase on XX/XX/2022. I was provided absolutely no disclosures at any time stating a hard inquiry would be initiated for this process. Ive requested multiple credit line increases with other cards with no hard inquiry. It is not a standard practice whatsoever. I absolutely did not agree to let XXXX run a hard inquiry under any circumstances in writing or electronically. This inquiry was done without my express permission. I carry over XXXX in revolving credit with a {$0.00} balance across XXXX cards with XXXX perfect ( XXXX ) XXXX XXXX XXXX credit scores. I would never have agreed to a hard inquiry and I did not do so in this instance. This is a fraudulent inquiry without my express permission. I also put a 1 year fraud alert on all three credit bureaus. No one required verification to allow this inquiry as required.

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 2022-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: UT

Complaint narrative:
XXXXXXXX XXXX XXXX  CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, This collection from Credit Management and XXXX XXXX is fraudulent. This account was opened under a fraudulent address and with my personal information. This is identity theft. I have spoken to Credit Management and XXXX XXXX and told them that this is not an account that I authorized or opened. Please remove this collection from my credit reports immediately. 
There is an active fraud statement on all of my credit reports. 
Collections Report Date : XX/XX/2022 Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit scores. 

Date Reported : XX/XX/2022 Collection Agency CREDIT MANAGEMENT Original Creditor Name XXXX XXXX Date Assigned XX/XX/2022 Original Amount Owed {$110.00} Amount {$110.00} Status Date XX/XX/2022 Status UNPAID Balance Date XX/XX/2022 Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/2022 Comments Contact CREDIT MANAGEMENT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My utilization is being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: LA

Complaint narrative:
Unable to fix issue with XXXX, have been placed on hold with no answer & talked to representatives that did not understand the issue. XXXX has reported a credit card as late. 

Im accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, which states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Received multiple calls from a XXXX XXXX which I was unable to answer. At the same time I received a text from XXXX XXXX XXXX XXXXXXXX claiming to be the fraud alert from my bank saying there was an unauthorized purchase of over {$1000.00}. I responded " no '' to the text. Then I was called from XXXX XXXX XXXX XXXXXXXX. The ID said it was my bank. Did not give sensitive info, I had disconnected. Called my bank and they said there was never any charges and they never made any contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have made purchases with the offer of a 12 month deferred payment. 
-The first offer of {$400.00} with transaction date of XX/XX/XXXX was paid in full before the offer expired -The second purchases were only delivered until XXXX XXXX XXXX because they had problems with the inventory, they should have extended the deferment this was deceiving practice. 
- The Third purchase of {$1000.00} was made on XX/XX/XXXX with deferment until XX/XX/XXXX I had been busy with my XXXX XXXX XXXX father illness and travelling back and forth to Florida plus a full time job and not able to sit down and review my accounts until now. 
- I called earlier today XX/XX/XXXX before reviewing my statement to rapidly make a payment on the expiring promotion and the representative XXXX waved the deferred interest on the expiring promotion because there was a grace period. He told me that I needed to pay XXXX to pay it off. 
-Later when I sat down to review my purchase invoices and statements I realized he XXXX XXXXXXXX XXXX was supposed to have charged me {$1000.00} and the reason he didnt is because XXXX XXXXXXXX/Synchrony XXXX credit card had been since XXXX splitting my monthly payments of {$200.00} a month between the expired promotion and the promotion that I didnt have to pay yet with the purposed of charging me compound interest in higher balances on the expired promotion. My payments should have been applied towards the expired promotion to reduce the balance and therefore the interest being charge. 
This is a rip off this bank is perpetrating on the consumers. I understand they manage Lowes credit card. I will have to review those statements next because I am sure they have done the same thing. 
It is an abuse of the consumers who sacrifice so much to stay current in their bills. 
I need a resolution and a review of these unfair financial practices

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 2022-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My TransUnion credit was XXXX and now in the 600s due to an account that was removed from my credit report and was replaced on my report again on XX/XX/2022. This is a discriminatory act that is happening. I already have an attorney for XXXX that is reporting incorrect information. XXXX is being sued for this same reason of inaccurate reporting and causing consumer credit denial. I was denied credit today because of this attack on my credit. I will also be contacting my attorney in reference to this discrimination of TransUnion. This is sickening and unjust. The account that was removed and now have appeared again is XXXX XXXX. This proves that the credit bureaus are as much as responsible for incorrect reporting. TransUnion should have reviewed my account history and saw this account was removed and therefore not replace on credit again. This is definitely another way of discriminating against individuals of other demographics. Do what they can to suppress others!!!! I will also be contacting the XXXX of XXXX. My voice and the voice of others who are experiencing this discrimination should be heard. This type of practice has went on for to long and need to be brought to the forefront.

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 2022-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I applied for a car loan and didn't receive any property from them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-11-19 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: WI

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
Previously made contact with the agency of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ; informed them that the debt in which they were trying to obtain was XXXX ) XXXX in a bankruptcy by XXXX XXXX XXXX that was under the name of XXXX XXXX ; who was my cosigner of the loan for Ford motor company. XXXX ) Informed them that the debt is XXXX XXXX XXXX and per Virginia law they have up to 5 years to pursue this debt. This company has use railroading tactics and put a freeze and garnishment on my account that completely wiped out my account. XXXX ) They were informed that the car was auctioned off for majority of the account. And that Ford Motor Company most likely had been written the remainder of the debt off. I feel that the attempt made to recollect on this debt is unlawful.

Company response to consumer: Closed with explanation