vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I had a medical school student loan which I had refinanced to XXXX XXXX XXXX XXXX XXXX. I had a terrible experience with the bank and the customer service. I immediately refinanced my loan out of that bank and the bank had stated they had charged off the remaining balance. The balance was paid in full before the charge off. This has affected my ability to get a car loan and mortgage on a new house.

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 2024-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I applied for financing at Land Rover XXXX XXXX on XX/XX/XXXX for a Used XXXX XXXX XXXX. I fell in love with the pictures even before seeing the vehicle. The finance manager reviewed my credit and walked me through the application process. I was connected with a sales person by the name of XXXX XXXX. I was approved for financing and had plans to visit the dealer the following day. That same evening, I noticed a discrepancy with the mileage of the vehicle that was posted on the advertisement. The mileage listed on the sales advertisement was XXXX. The actual miles on the vehicle was XXXX. Once I reported the discrepancy to my salesman the dealer didnt seem interested in working with me any longer, nor did they want to make any concessions. I subsequently posted a review about my experience and received a voicemail from XXXX XXXX and XXXX XXXX asking me if I would be willing to remove the reviews, and to give them an opportunity to make it right. Well naturally I accepted his apology and had high hopes we could get a deal done, so I prematurely deleted my reviews because I had faith this deal would be done. We did in fact come up with a more agreeable term and I had an appointment scheduled to visit the dealer at XXXX on XX/XX/XXXX to close. Unfortunately I got a text from my salesman that someone was at the dealer the same morning of my scheduled appointment getting approved for the vehicle. I should have left this dealer alone when my guy instincts told me to do so. It was a waste of mutiple inquires on my credit report and they just acted in bad faith the entire time. They were never truly interested in my business, they wanted the review removed. I was fully prepared to do a deal if this vehicle had been presented to me with complete and accurate information. Please stay away from this dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2024-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name ally financial Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 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 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 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 non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am filing a complaint against Discover Bank with the CFPB due to their failure to respond to my dispute attempts regarding an account they are reporting to the credit bureaus. Despite mailing dispute letters to Discover Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have not received any response from them. 

I am providing copies of my dispute letters to Discover as evidence of my efforts to resolve this matter. However, their lack of response has left me with no resolution. 

According to the Fair Credit Reporting Act, furnishers like Discover Bank are required to investigate and respond to consumer disputes within 30 days. Discover Bank 's failure to do so is a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Home Loan Center, Inc.
State: AZ

Complaint narrative:
Today ( XX/XX/2024 ) I received a phone call and VM from the number ( XXXX ) XXXX. The VM was generic and said I owed a debt and threatened legal action if I didn't call the number back. I did so and spoke with someone ( a woman with an American accent ) claiming that I owed a debt from Lending Tree and that they were going to garnish my wages at my place of employment, if I didn't pay immediately. Not only have I never done any business with Lending Tree, but also they wouldn't provide me with any info about their company, including the company name or address or specifics about the debt. After asking for those minimal details, and being called names like sassy, I was hung up. I called the number back and a different person answered, and again I was hung up on when requesting the name of the company. When I called back a third time, the call was not picked up and instead sent to a VM. On the VM the person said the company name of XXXX. I tried XXXX this company but nothing came up. I don't know if this is a legitimate attempt at debt collection. There was never any advisement that it was an attempt to collect a debt on the VM and I have no way to dispute the veracity. The first representative claimed they mailed me a notice in XXXX and listed a previous address of mine. I need to dispute this but have no way to do so. I am concerned this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
There is a collection that is NOT mine, I checked my credit and saw it on there I have a common name and this happens a lot. Please help I don't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: Capio Partners, LLC
State: LA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
Ive been banking with current bank for a few years now, and always had an issue with fees for using ATMs because there were none in my area not even within a XXXX mile radius. They have an ATM finder on their website until the other day my card wouldnt work at the gas station. I ran in and I had to take out money from the ATM and I noticed I shouldve had XXXX fees and I didnt have any come to find out their ATMs are XXXX  ATMs, which are at every other store in my area that did not show up on their map on their website so its a faulty map so all these years Ive been paying all these fees when I couldve just easily gone to the XXXX  ATMs this infuriated me because Ive tried so hard to get all these fees back because I cant afford to pay them and they refuse to give them back now I find out theyve ripped me off and lied to me all these years so now I really want my money back that is false advertising. They have ATMs in my area yet they dont show up on their map when they are literally at every other store, where I live, I cant believe all these years they have been lying and ripping me off that is terrible. I feel totally betrayed. Im going to add XXXX different photos of their map and XXXX different areas in my area of XXXX different places near my home, right in front of an ATM that is supported by them. I have gone out of my way to get extra money to deposit just so I could take money out of the ATM and transfer it from different places. Its been a headache beyond belief I want compensation for this and I also want my money back what a nightmare.ive been in contact with current bank several times through the years regarding these ridiculous fees and they refuse to even listen to me. I brought the issue of there faulty map on there website to them also and they shrugged me off and refused to return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
1. I complained after trying to talk to company 's custoemr care and seemed like no one was helping. I also complained the company by email and followed up other complaints to get this resolved.

2. Company reversed the incorrect charges and also allowed on my third attempt to make the payment.
3. On my request company assisted in closing the store card.

4. Also, company 's management reached out to me yesterday, heard my grievance and assured will take care of this for future.

5. I think, my issue is resolved and i hope for future will have better experience if i choose to build a relationship with bank again.

Thanks for all help CFPB and thanks for Company 's management to resolve this matter amicably.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX XX/XX/XXXX SS : XXXX INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions. '' Under 15 U.S.C 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.

Please update the following accounts as paid, never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-28 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I had a medical school student loan which I had refinanced to XXXX XXXX XXXX XXXX XXXX. I had a terrible experience with the bank and the customer service. I immediately refinanced my loan out of that bank and the bank had stated they had charged off the remaining balance. The balance was paid in full before the charge off. This has affected my ability to get a car loan and mortgage on a new house.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I had a medical school student loan which I had refinanced to XXXX XXXX XXXX XXXX XXXX. I had a terrible experience with the bank and the customer service. I immediately refinanced my loan out of that bank and the bank had stated they had charged off the remaining balance. The balance was paid in full before the charge off. This has affected my ability to get a car loan and mortgage on a new house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tsarouhis Law Group, LLC
State: PA

Complaint narrative:
I purchased a vehicle on XX/XX/XXXX and as part of my credit report pull, an unknown debt to me was on the report as collections with XXXX XXXX. I called XXXX, they redirected me to Tsarouhis Law Group LLC. I called Tsarouhis Law Group LLC and explained that this was the first I had ever heard of this debt/collections ( they said it was from XXXX ) and asked for a debt validation letter given my rights under the Fair Debt Collection Practices Act. They stated it would be sent right away. Tsarouhis Law Group LLC is located only XXXX hours away from me, and I have not received any letter. I called to verify that it was sent, to which Tsarouhis Law Group LLC threatened the debt would be taken to court as part of a suit, but that my debt validation letter is in the mail. I feel like they are unable to verify the debt, attempting to collect it from me in a threatening way to make a profit, and are falsely reporting this debt which is negatively impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I woke up one morning with a hard inquiry on my account from XXXX XXXX, I never banked with XXXX XXXX before so this was concering. I called they the credit bureaus and they put a lock on my credit and gave me a passcode.

Company response to consumer: Closed with non-monetary relief