vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Applied for loan with USAA ; was denied loan XX/XX/2023 because of XXXX score 1 ) Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high ; 2 ) Too many inquiries in last 12 months ; 3 ) Time since most recent account opening is too short ; 4 ) Amount owed on revolving accounts is too high ; After paying off debt to less than 31 % and increasing credit score to XXXX ; reapplied XX/XX/2023 and was immediately denied again. Letter stated : XXXX ) Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high -- at 30 % ; 2 ) Too many inquiries in last 12 months -- curently 4 ; 3 ) Time since most recent account opening is too short -- -over 12 months ; 4 ) Amount owed on revolving accounts is too high ; 30 % Called USAA loan service XXXX XXXX XXXX to get clarity on denial and the rep stated I must call XXXX because they are the reason for the denial and nothing more. She stated could be because I already have a unsecured loan ( never late ) or credit card balance - I stated that is not labeled anywhere you can't apply if you already have an outstanding loan ; didn't know what credit score was acceptable or number of inquiries were acceptable ; Credit cards are {$0.00} with USAA and stated that could also be reason for denial. Stated it was based on XXXX credit report. I stated without basic qualifications or even a credit score, how can you know if a person is qualified as XXXX just provides the information you use to review to make a decision. Feel this is discrimination if you can't provide details on why my loan was not approved and someone else was.. still waiting on call back from resolution team.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: CA

Complaint narrative:
I have a XXXX credit card that was included in my XXXX  XXXX XXXX proceedings back in XXXX. The creditor chose to not participate, and the card should have been showing as a charge off since XX/XX/XXXX. However, due to some misinformation, misreporting, etc. the payments were showing as on time in the beginning of XXXX. This is inaccurate information, and should have been a charge off since XX/XX/XXXX and should have been gone off my credit report as a negative reporting item in XX/XX/XXXX ( 7 years for bk actions ). However, when disputed with Experian, Experian added an additional 3 years added to the negative action, and did not remove the action. I have called XXXX several times now, they've indicated that Experian was told to remove the action, it was included in the XXXX  XXXX, and Experian disputed that XXXX told them this information and questioned the veracity of the statement. I am caught in the middle between XXXX informing me that they're telling Experian to drop the negative action on my report, and Experian saying there's nothing that they can do and to keep disputing the negative item on my report. I am also in contact with my XXXX attorney to see what, if anything I'm able to have them do to get this negative item off my 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 non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: GA

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 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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports and score are not available online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC
State: MS

Complaint narrative:
I am writing to dispute the validity of the debt associated with Ability Recovery Services. I recently became aware of this collection entry on my credit report, and I believe there may be errors or inaccuracies in the reporting. 

I am formally requesting that Ability Recovery Services provide me with the following information : 1. Verification of the debt, including the amount owed.

2. Copies of any documents proving that I am legally obligated to pay this debt.

3. Details of the original creditor and their contact information. 

I also request that you provide me with a written statement confirming that the debt is not being reported to any credit bureaus during the investigation period. 

Please note that, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the validity of this debt and request verification. I expect Ability Recovery Services to comply with this request within 30 days. 

If you are unable to provide the requested information, I demand that you remove the collection entry from my credit report promptly. 

Your cooperation in resolving this matter is appreciated. I look forward to your prompt response.

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 2023-11-27 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: MS

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: MS

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 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 2023-11-27 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: GA

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.

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 2023-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to address the ongoing issue concerning inaccurate information within my credit file, specifically related to accounts associated with your company. This matter is of great concern to me, and despite my previous attempts to rectify it, the situation has not been resolved satisfactorily. I have sent a total of six previous letters to your company, all via certified mail. Please find the attached receipts for the certified mail with the following tracking numbers : XXXX. These receipts confirm the delivery of my requests for the removal of inaccurate information from my credit file. I would like to draw your attention to 15 U.S. Code 1681c2, which states that it is a crime to threaten a lawsuit with no intention of pursuing it. Rest assured, my intention is sincere, and I am prepared to take legal action if necessary. Despite my previous efforts, your company has failed to conduct a proper investigation into the inaccuracies on my credit report, as required by the Fair Credit Reporting Act. My previous letters clearly outlined the reasons for my dispute, and these concerns are far from frivolous. This final request serves as a last opportunity for your company to rectify this matter. I expect a thorough investigation into the accounts in question, and I request that you provide me with documented proof of this investigation. Failure to comply will leave me with no choice but to file a civil suit in my county for damages. I take the accuracy of my credit report seriously, and the lack of professionalism and assistance from your company has been deeply disappointing. I am well aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue them to the fullest extent of the law. I anticipate your prompt response and the resolution of this matter. If I do not receive a satisfactory reply within 30 days, I will have no choice but to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: TX

Complaint narrative:
Every single US DEPT AND XXXX/DOFED account that Is reporting on my consumer report is incorrect and needs to be removed. Every negative alleged account is reporting inaccurately, and erroneous which is grounds for removal under the Direct Violation of 15 USC 1681 Reporting incorrectly. Please have them do a full complete investigation on my credit report, please dont just have them do it by eoscar, my life is depending on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP. 

This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-11-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
I purchased a vanilla gift card in the amount of {$470.00} from grocery store, XXXX, on XX/XX/2023. On XX/XX/XXXX my giftcard was used and depleted at multiple XXXX stores. I did research and noticed the largest transaction were made at a XXXX in XXXX XXXX, NY. I never attempted to use this card at a physical store.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Ive been disputing this collection from my credit report for months now because there was so much missing information in the report. Im fully under the impression that Midland is incorrect and the collections account has caused severe issues in my financial life. Upon looking over my documents, Im realizing that the balance theyre attempting to collect on is not even correct. The balance on all 3 credit bureaus is listed as XXXX when the balance for the account in question was XXXX & Im sure I never made any payment to the original creditor nor to Midland. Each time Ive disputed the account with a bureau, midland adds more information to the report or adjusts existing information, but it has not been deleted. This has all occurred after being hounded by them with calls last summer repeatedly, most likely because the alleged debt was falling out of the statute of limitations in my state of Maryland. They would call at odd times from different numbers daily so it was nearly impossible to find peace at that time. Currently, the amount is incorrect, on XXXX theyve listed the account as Open Account while listed as Debt Buyer on XXXX, theyre now reporting late payments on XXXX beginning 6 months ago which is a completely arbitrary and inaccurate start time for non payment as Ive never paid a cent to Midland . On XXXX, they listed the original creditor as Midland Credit when this is impossible because to my knowledge they dont even offer credit. I never received any letter from them prior to the calls and credit bureau reports & Im not sure what address they have on file. Im not sure of the time that Midland purchased the credit but Im almost positive it is prior to the XX/XX/2022 date that theyve listed. At times Im afraid they will attempt to sue me and I will be hit with a default judgement because I am not receiving any correspondence. All the information is in shambles and I want it gone. Not altered and doctored as they realize the information theyre reporting is inaccurate & at this point I am prepared to sue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: SC

Complaint narrative:
My loans were transferred from Great Lakes to Nelnet. In over 10 years I have never had any issues with Great Lakes. Since my transfer to Nelnet I have not been able to get in contact with any customer service representative. I have made numerous calls, placed on hold for an hour, only for the call to end. Over the last 2.5 months I have not been able to speak to anyone. My loans with Great Lakes was sent to autopay at {$2200.00} per month. My account was supposed to transfer over my repayment selections. Nelnet is only taking out {$150.00}. Their website does not allow me to make any adjustments to my payment amounts. As a result I have accrued a significant amount of capitalized interest that otherwise could have been avoided if I could simply update my repayment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: AZ

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Binance account to fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
The bank has held my entire savings in what they have called a hold for over 83 days, which is far beyond what regulation state is allowed. The hold as I said is on the entire amount in my savings rather than from a transaction that has cleared. 
The hold was placed due to a transaction on XXXX  that moved {$15000.00} from my bank to another bank out of state. I disputed the transaction XXXXThe bank recovered the funds, however they have placed a hold on the entire account not just the transaction in which a bank may do for it to clear. I have called many times, not one person has been able to remove this hold. I was told to go into the bank to proove who I am with two forms of ID.

I went in with at least four and the hold is still on the account! I have called and had to wait on them to call back always a two day wait, never getting any resolve! They really have no reason or right to do this and they have no concern that I need to use my money to live! This has cost me well over XXXX XXXX XXXX XXXX  in fees and credit score ( if you can place a price on that ) I worked hard to keep my score above XXXX and to not be able to pay bills or borrow and have late fees when I have the money, but a bank is not allowing me to use it! 
This is my second time to inform on this, the first was responded with a letter that basicly restated all the information with no solution or a date as to when the hold would be lifted! I am really hoping that I can get real help this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: United PanAm Financial Corp.
State: MO

Complaint narrative:
Initial Auto Loan was paid off to a previous creditor. 

New Creditor : United Auto Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request made to caller collecting the debt for a copy of contract, their W9 and 1099OID and nothing provided. Written request also being sent with notice and claim. United Auto Credit has placed false information on the credit report as a " new loan ''.

[ Title 15 USC 1681n ] Civil liability for willful noncompliance, [ Title 18 USC 1951 ], interference with commerce by threats or violence, [ Title 15 USC 1692b ] Debt collectors are prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of a debt, [ Title 15 USC 1611 ] criminal liabilities for willful and knowing violations, [ Title 15 USC 1681b ] addresses the permissible purposes for which consumer reports can be obtained and used, [ Title 15 USC 1681c ] is to protect consumers ' privacy and ensure fair and accurate reporting of their credit information.

[ Title 18 USC 1001 ] statements and entries generally, [ Title 42 USC 1986 ] actions for neglect to prevent, [ Title 15 USC 1639a ] duty of servicers of residential mortgages, [ Title 15 USC 35 ] recovery of damages, etc., for antitrust violations from any local government, or official or employee thereof acting in an official capacity.

Company response to consumer: Closed with explanation