vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
I went here to get a vehicle. After XXXX days of sitting around the dealership ignored and looked over we made a deal for a vehicle. The vehicle had hail damage and it was never disclosed on the website. The sales rep did not disclose this to me either, despite having communication prior to my arrival. The vehicle also had other broken components so they kept the car to fix it. XXXX days later I went to pick up the vehicle. As soon as I get on the highway the check engine light and tire pressure lights come on. I returned the vehicle, within minutes. A few weeks later I get notice from the lender saying I needed to provide insurance on the vehicle. When I call the company they have no record of a return and claim that I am still on the line for the vehicle payment. I called XXXX everyday, XXXX to 4 times a day to speak with someone in finance. I was constantly put on hold or told that someone in finance would call me back. I never spoke to anyone. After calling for a week, I received an email that they notified the bank of the return. At this point the account is listed on my credit report. This company is XXXX  and negligent in their customer service. It is hard to speak to anyone or get any resolution for issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting 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 went here to get a vehicle. After XXXX days of sitting around the dealership ignored and looked over we made a deal for a vehicle. The vehicle had hail damage and it was never disclosed on the website. The sales rep did not disclose this to me either, despite having communication prior to my arrival. The vehicle also had other broken components so they kept the car to fix it. XXXX days later I went to pick up the vehicle. As soon as I get on the highway the check engine light and tire pressure lights come on. I returned the vehicle, within minutes. A few weeks later I get notice from the lender saying I needed to provide insurance on the vehicle. When I call the company they have no record of a return and claim that I am still on the line for the vehicle payment. I called XXXX everyday, XXXX to 4 times a day to speak with someone in finance. I was constantly put on hold or told that someone in finance would call me back. I never spoke to anyone. After calling for a week, I received an email that they notified the bank of the return. At this point the account is listed on my credit report. This company is XXXX  and negligent in their customer service. It is hard to speak to anyone or get any resolution for issues.

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX and Equifax are reporting in accurate information on my credit report. This is a formal complaint that they are reporting in accurate and incomplete information on my credit report. The notation of the following late payments is in accurate. Please reach out and verify that all for this account is reporting accurately, including everything. Late fees and date and balances whether reported or not. XXXX XXXX XXXX. I respectfully request to be provided with proof of this alleged items specifically not proof that those payments were in fact late by the provisions of the consumer protection laws. I demanded it failed to do so liking proof of these payments being late please update my panel to late and supply a corrected credit profile to the creditors who have requested a copy of my credit report in the last XXXX months. I also request original contract payment history with the original creditor with my signature on it XXXX XXXX XXXX I am also requesting the description of the procedure used to determine the accuracy of this information. I have read that this must be provided within 15 days. Ive also read that under federal law you have 30 days to complete your investigation. XXXX XXXX XXXX XXXX understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter or you must remove the incorrect information. XXXX XXXX. A consumer reporting agency shall block the reporting of any information in the foul of a consumer that the consumer identifies as information that resulted as a large identity theft no later than XXXX business days after the date of receipt. You are in violation of this law because I am a victim of identity theft please delete these items immediately. Please send me an updated copy of my credit report at the above address. I also need any addresses and phone numbers removed off my credit report other than the address and phone number I provided. XXXX XXXX code XXXX in, also known as the Fair Credit Reporting Act Covers civil liability for willful noncompliance with consumer credit reporting agencies. It states that any person who intentionally. fails to comply with a requirement under the sub chapter in relations to a consumer is liable to that consumer. This liability includes actual damages sustained by the customer. Punitive damage as the court XXXX allow. Or cost of the action together with reasonable attorney fees. Last but definitely not least XXXX code XXXX states that we the consumers are the creditors. Thank you so much for your prompt attention time and help in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, XXXX XXXX and XXXX are reporting in accurate information on my credit report. This is a formal complaint that they are reporting in accurate and incomplete information on my credit report. The notation of the following late payments is in accurate. Please reach out and verify that all for this account is reporting accurately, including everything. Late fees and date and balances whether reported or not. XXXX XXXX XXXX. I respectfully request to be provided with proof of this alleged items specifically not proof that those payments were in fact late by the provisions of the consumer protection laws. I demanded it failed to do so liking proof of these payments being late please update my panel to late and supply a corrected credit profile to the creditors who have requested a copy of my credit report in the last XXXX months. I also request original contract payment history with the original creditor with my signature on it XXXX XXXX XXXX I am also requesting the description of the procedure used to determine the accuracy of this information. I have read that this must be provided within 15 days. Ive also read that under federal law you have 30 days to complete your investigation. XXXX XXXX XXXX XXXX understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter or you must remove the incorrect information. XXXX XXXX. A consumer reporting agency shall block the reporting of any information in the foul of a consumer that the consumer identifies as information that resulted as a large identity theft no later than XXXX business days after the date of receipt. You are in violation of this law because I am a victim of identity theft please delete these items immediately. Please send me an updated copy of my credit report at the above address. I also need any addresses and phone numbers removed off my credit report other than the address and phone number I provided. XXXX XXXX code XXXX in, also known as the Fair Credit Reporting Act Covers civil liability for willful noncompliance with consumer credit reporting agencies. It states that any person who intentionally. fails to comply with a requirement under the sub chapter in relations to a consumer is liable to that consumer. This liability includes actual damages sustained by the customer. Punitive damage as the court XXXX allow. Or cost of the action together with reasonable attorney fees. Last but definitely not least XXXX code XXXX states that we the consumers are the creditors. Thank you so much for your prompt attention time and help in this manner.

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 2024-08-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX Experian credit reporting agency XXXX and XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-08-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC
State: TN

Complaint narrative:
I'm trying to get a loan... bestegg offers all credit welcome ... I have all the documents as I did the loan.they guarantee approval but redirected me to XXXX funds which is another loan company.that loan company directed me to a credit report site that charges XXXX a month with no mention of a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting 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 am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-04 00:00:00
Product: Credit reporting 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 am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received an email from XXXX on XX/XX/year> stating that there had been a change to my credit report. Upon checking the report, I saw that there was a hard inquiry from Capital One that I did not recognize. I immediately called XXXX and told them that I did not apply for a credit card through Capital One and did not grant anyone permission to check my credit report. They placed a fraud alert on my account and I asked them to place a temporary freeze on my credit report. I then called Capital One on XX/XX/year> and informed them of the fraudulent activity. They informed me that they did see that I had an account with them ( which I personally did not open ) and that a credit card had been applied for on XX/XX/year>. They informed me that the card is in the process of being delivered to whoever applied for it, but that they would place a fraud alert on the account and that the card will rendered inactive. They also told me that this account/transaction is under open investigation for 60-90 days and I should receive something in the mail from them within this timeframe regarding the outcome of the investigation. I asked them to remove the hard inquiry from my credit report and was told this could not be done until after the 60-90 day period. I also asked them for the name and address of where this credit card was supposedly being delivered and they did not disclose that information. I was encouraged to file a police report with my local police station for identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I have been a customer of Marcus by Goldman Sachs for several years and never had issues with transferring my money between this account and my primary banking account until recently. I have an online high yield savings account through Marcus by Goldman Sachs. My Marcus account is linked to my XXXX XXXX XXXX XXXX checking and savings accounts ( my primary banking system ). 

Last week, I submitted a payment from my Marcus account to my wedding catering company for my upcoming wedding. Because the wedding catering company is a third party, Marcus reversed the payment and locked my account. I understand the security behind this and reasoning from Marcus for doing this. However, I called their customer service line to rectify this issue and told them I made this payment. They have a strict identity verification process to unlock my account. They asked for numerous pieces of information about me including full name, date of birth, home address, social security number, secret word to my Marcus account, and external bank account numbers linked to Marcus ( my XXXX XXXX accounts ). They told me they could not send me a one time pin to my cell phone number linked to the Marcus account because it is " inactive '' which is not true. They then asked me four questions that I would only know which were the following : my former home address, the cross street to my former home address, my current address, and who currently lives with me. After all of this information was correctly provided, they told me they could not verify me because " this information was not correct ''. They proceeded to say they would be sending an " affidavit of identity '' form in the mail for me to complete and get notarized. This could take up to 7 business days just to receive the form. I am extremely frustrated by the Marcus team because their verification process is exhaustive. I am upset because this is my account and my answers were correct. I have a wedding catering deposit payment that is due, but can not yet proceed due to their lack of compliance and inaccuracy with verifying my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The majority of attachments with this provides ample evidence of what occurred. Long story short I have been a Bank of America Customer for over 20 years, not once have I been notified of any civil lawsuits, I was always suspicious of what might be going on with my checking account, debit card, credit cards, and never seemed to add up and seemed like more money than I anticipated was taken out of my accounts in addition to not being granted what was promised with the Credit cards such as cash on rewards etc. I Recently discovered that back in XXXX there was a Civil lawsuit in which there was an XXXX XXXX dollar settlement paid out to BOA customers who were hit with ample fees for having non sufficient funds, being penalized when a check was posted to my accounts, and discovered this was going on a long time ago when BOA would charge an overdraft fee then charge again after in which this happened repeatedly. I connected the dots a few months ago, drafted up a 30 day demand letter, sent to them in the beginning of XXXX, they did respond after 30 days, didn't address anything in the demand letter, and advised me to get in contact with their collection agency attorneys XXXX XXXX  XXXX in NY. I did forward the demand letter to XXXX XXXX  XXXX, they did respond, didn't acknowledge anything in the demand letter, and NOT ONLY DID THEY IGNORE IT BUT THEY DEMANDED THAT I PAY BACK AND THEY COLLECT A BALANCE FROM A PAST CREDIT CARD THAT WAS CHARGED FRAUDALENTLY. I WAS LIVID AND COULDN'T BELIEVE THE HIPPOCRASY OF THE SITUATION. I will be contacting their over draft settlement contact and not keeping my hopes up. Attached is ample evidence of what occurred. Please assist and advise. I would greatly appreciate it.

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 2024-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: AL

Complaint narrative:
We went to court and we had the receipts on transmission and how they weren't trying to cover the warranty. Basically leaving us having to get another car and still have to pay a car note on a car that wasn't working. It was ruled in our favor. today I get an alert and it's about them trying to get money that is not owed to them.

Company response to consumer: Closed with explanation