vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This has been a very long, painful process of trying to obtain numerous credit freezes on my credit reports, only to find out that the information that is listed on them, with all bureaus, is very inaccurate. I've never known who to talk to, especially when I tried years ago to reach out to the credit bureau and wasn't heard. There are addresses, companies, names, phone numbers, etc. That I don't know anything about and it's negatively impacting my credit scores across all the bureaus. I'm unable to get anything in my name. Recently, approximately XXXXXXXX week, I tried renting a rental car with XXXX. Much to my surprise, I couldn't because once again I was told that my credit score was too low.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RLB Texas Auto Center LLC
State: TX

Complaint narrative:
TAC Acceptance Group ( Texas Auto Group ) is reporting false information on my credit report. I filed a XXXX XXXX bankruptcy in XXXX of 2023 and the vehicle was included in that. The vehicle was returned to the Texas Auto Center after my discharge which was granted XX/XX/2023. 

The vehicle was removed off my XXXX credit report after vehicle was returned and a month later on or around XX/XX/XXXX they reported the vehicle back to my XXXX Credit report as being 30 days late, which also made my credit score drop over 60pts. 

I have filed a dispute with XXXX 3 times now and submitted my bankruptcy paperwork and they come back with the same results as account verified and accurate which is not true.

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 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2023, my XXXX account experienced unauthorized access by an online scammer based in XXXX. Subsequently, my XXXX XXXX, linked to my Schools First XXXX card, was compromised by XXXX. Promptly, I informed my bank, filed a XXXX claim, and awaited a decision. Regrettably, as of XX/XX/2023, my claim was denied, and no detailed written explanation for the denial has been provided by Schools First Federal Credit Union. This is unprofessional on Schools First because they failed to notify me as a customer, I had to contact them for a decision and update. My money is not secure at this banking institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting 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: CA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX of the Student Loan close accounts on my credit report They both are charge off. Using the 15 USC 1692g validation of debts, I don't recognize how this account Is reporting on my credit report. I do not recognize the account number. I do not recognize the account Status. I do not recognize the account High balance. Nor do I recognize the late payments associate with it. Everything reported here does not meet the FCRA. I didn't receive any 1099-c from these company. Also, the balance is {$0.00}. It shouldn't be on my credit report.

In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 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 items of information, other than records of convictions of crimes which antidotes 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. 

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 2023-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rosen Harwood, P.A.
State: MS

Complaint narrative:
This entity attempts to collect an alleged debt. This entity has threaten to take me to court over an alleged debt. No documentary evidence has been provided to me proving this alleged debt. I am aware that this law firm is acting as a debt collector and therefore is subject to the fdcpa. This law firm is causing me emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
The information listed in my Identitiy Theft Report does not relate to any transaction I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: GA

Complaint narrative:
The information listed in my Identitiy Theft Report does not relate to any transaction I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This has been a very long, painful process of trying to obtain numerous credit freezes on my credit reports, only to find out that the information that is listed on them, with all bureaus, is very inaccurate. I've never known who to talk to, especially when I tried years ago to reach out to the credit bureau and wasn't heard. There are addresses, companies, names, phone numbers, etc. That I don't know anything about and it's negatively impacting my credit scores across all the bureaus. I'm unable to get anything in my name. Recently, approximately last week, I tried renting a rental car with XXXX. Much to my surprise, I couldn't because once again I was told that my credit score was too low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a copy of my TransUnion report and saw that there was an account with 7 late payments on my credit report. This is a violation of the law under 15 U.S. Code 1681b - permissible purpose of consumer reports. I never gave my written consent to furnish this account onto my credit report. Also these late payments are a violation of FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ). This issue has hindered me from obtaining essential credit and funding for my personal life and business.

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 2023-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Brown and Joseph, Ltd
State: WI

Complaint narrative:
My brother got into an accident in my car, I thought I had forced insurance through my auto loan place and I was wrong. So I'm bring sued for {$4000.00}. I was never notified. It was sent to collections with Brown & Joseph LLC XXXX XXXX XXXX. They sent me a letter telling they were going to suspend my driver 's license if it wasnt paid. I was upset with my brother so I sent him a picture of it, yelling at him for me having to pay this amount of money. He took it apone himself to call them. They allowed him to set up a payment plan under MY NAME without me being the one to call them. I called to argue this with them and they said we'll he had all the information so that's why we let him. I told them that it shouldn't matter because I was not the one to call them. They said it's fine because he put his own card on file. I don't feel they should have even Acknowledged to anyone that I even had an account there with a balance if it was not me. not to mention. I don't think they can suspend my license for something like this. I didn't even do anything. I'm only being held Responsible because the car was in my name that was it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I had a checking account in PNC. The bank unilaterally decided to close my account with {$3200.00}, without properly notifying me. When I inquired the bank about my funds, they stated that a check was sent to an address in XXXX, instead of my address here in the XXXX. 
When I requested a copy of the check, the check was deposited by XXXX XXXX ( not me XXXX XXXX ) in Bank XXXX XXXX. 
I have submitted multiple complains to PNC Bank and they have not been able to solve the issue in over XXXX year. 
Based on my interactions with PNC Bank employees, I believe that XXXX or multiple employees from this bank must be involved on the issue and XXXX sure XXXX not the only person that has been affected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
This company has lawfully received a Cancellation of Debt form from the IRS that was sent to Exeter Finance Inc, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The IRS has recorded and written this debt off in the amount of {$51000.00}. I have in my possession a certified copy of this information from the IRS as proof. I will now have to claim this amount on my taxes as income. I have communicated with Exeter Finance several times about this and they refuse to acknowledge the federal governments own documentation that this debt has been cancelled. A copy of the form is enclosed as an attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
Upon conducting a thorough review of my latest credit report, I have identified several instances of inaccurate information associated with accounts listed. This misinformation is significantly impacting my ability to secure a home loan, thereby hindering my financial goals. 

I am reaching out to you in accordance with the Fair Credit Reporting Act to address and rectify this matter promptly. 

The list of accounts in question is as follows : XXXX  XXXX XXXX - Account ending in XXXX XXXX  XXXX XXXX - Account ending in XXXX XXXX  XXXX XXXX - Account ending in XXXX XXXX  XXXX - Account ending in XXXX I would like to draw your attention to the relevant sections of the Fair Credit Reporting Act that support my dispute : 15 U.S.C 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States that no consumer reporting agency may make any consumer report containing adverse information that antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits the furnishing of inaccurate information to a consumer reporting agency.

It is evident that the inaccurate information on my credit report violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I kindly request that you conduct a thorough investigation into these discrepancies and take appropriate action to rectify and remove the inaccurate information from my credit 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 2023-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIRST PORTFOLIO SERVICING INC
State: OH

Complaint narrative:
I did not receive a notice of right to dispute from Total Visa for Account # XXXX. According to the FDCPA, " RIGHT TO DISPUTE THE DEBT : Within 30 DAYS of receiving notice of the debt from the debt collector, you can send a letter to the debt collector disputing the debt and requesting the name and contact information of the original creditor. The debt collector must stop all debt collection activities until it can verify the debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: CA

Complaint narrative:
My credit score dropped more than XXXX XXXX points due to a late payment in XXXX after having XXXX years of perfect credit. I called trans union to figure out the cause. They said that there was XXXX late payment in XXXX that made it drop. They directed me to call the bank and request to have it removed. I called XXXX  XXXX XXXX and they told me that I actually had XXXX late payments. I told them that during those months, I had a family death, was graduating college, and moving out of my apartment. They told me that those were valid reasons to have those late payment reports removed. I checked my credit and it was still the same so I called trans union and asked why my credit score was not restored. They said the bank had not removed them. I then called the bank who said they had in fact removed the payment off of my record. Since then, i have called both XXXX  XXXX XXXX and Trans Union XXXX XXXX asking why my credit score has not been restored. Both companies tell me they are opening disputes to remove the charge and restore my credit and nothing has been done. My credit is still over XXXX XXXX points lower and I don't know who to call anymore to fix it or why the disputes are going nowhere.

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 2023-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I have XXXX bank accounts, a checking account with XXXX and a savings account with Ally. The XXXX original balance was XXXX. The Ally original balance was XXXX. 


On XX/XX/XXXX, I wanted to consolidate accounts, so I started a transfer of XXXX from XXXX to Ally. XXXX is now XXXX balance and Ally should be XXXX + XXXX = XXXX. 


On XX/XX/XXXX, I forgot that I already did the transfer, so I accidentally made a second transfer of XXXX from Santander to Ally. XXXX is now XXXX and XXXX because of an overdraft fee. Ally should be XXXX + XXXX = XXXX. 


On XX/XX/XXXX, I realize my mistake and see that XXXX is overdrawn. I submit a transfer of XXXX from Ally back to XXXX to fix the overdraft. XXXX is now back to XXXX balance. Ally should be XXXX, which is the correct balance and the original goal of the first transfer on XX/XX/XXXX. 


XXXX shows the correct XXXX balance ( excluding minimal interest payment ). I don't know what happened on the Ally end, but they suspended some transfers and deleted the incoming transfer that would make my account the appropriate XXXX. Instead, they deleted the incoming transfer and kept the outgoing transfer, and now the Ally account shows XXXX ( original balance prior to incoming XXXX ) and the XXXX is completely lost. 


I contacted Ally bank and they created a case reference number but have no idea where the XXXX went that is still missing from my account. 


XXXX shows the correct bank balance of roughly XXXX. I have email receipts of the requested transfers from Ally, but Ally has " lost '' the XXXX and my Ally bank account does not reflect the accurate bank balance which should be XXXX. I am looking for the lost XXXX to be returned to my Ally account to reflect the appropriate balance XXXX. The correct final balances should be XXXX XXXX balance and Ally XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S, C 1681 section 602 A. States I have 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 non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S, C 1681 section 602 A. States I have 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX # XXXX AND XXXX # XXXX THEY HAVE 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX # XXXX AND XXXX # XXXX THEY HAVE 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 2023-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Galaxy Capital Acquisitions, LLC
State: TX

Complaint narrative:
This is old debt bought buy a new creditor and now suing me. I informed them long ago I wouldnt be able to pay due to XXXX, spouse losing his job. The lawsuit is threatening to make me pay for attorneys fees etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive been in communications with Equifax about inaccurate personal information on my credit report. Even after notifying them many times about this error they are reporting this incorrect information on my file. Not only is it unfair, its also illegal. Please find attached.

Company response to consumer: Closed with non-monetary relief