vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: WI

Complaint narrative:
Company : Exeter Finance , LLC, ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, TX XXXX On XX/XX/2022, I completed paying off the amount of a vehicle loan with Exeter Finance . By this date all the payments were paid and cleared with an Echeck through a financial institution. On XX/XX/2022 I printed a Payoff Quote from my Exeter Account Portal. The Payoff quote was {$0.00}. 
According to a statement on the Payoff Quote, Exeter will take 45 days after the account is paid in full to release the lien on my vehicle " ( or earlier as required by state law ). '' It is my understanding that Wisconsin Statute 342.22 allows a debtor to receive the lien release within 10 days if requested of the lien holder in writing. 
On XX/XX/2022 I submitted a written request to Exeter to release my lien within 10 days. I submitted the request on the Exeter secure message portal. I received a reply stating that I had to call Exeter. 
On XX/XX/2022, I mailed a written request to Exeter to release the lien within 10 days. As of today, XX/XX/2022 the document is in transit to the address listed above. 
On XX/XX/2022, I called Exeter Customer Service about the request I'd submitted on the secure message system. I was told that they would not accept the request I submitted on the secure message system because, " anyone could have submitted that request. '' After a lengthy conversation with the " management team '' I was told that they will consider the request when the mailed document is received. Although I quoted Statute 342.22 to them, they insisted that after my written request is received they will take 14 days to process the request, and another 10 days to release the lien. That is a total of 24 days, not the 10 days as I understand in the statute. All the funds have been deducted from the financial institution I used to complete the payoff. They have my money but refuse to acknowledge the Wisconsin Statute requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, 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:
I requested my credit report. The company never responded. I filed a complaint indicating I asked for my credit report and the company never responded. 

The company responded falsely indicating that my complaint was about inaccurate information on my credit report when I was complaining that the company never provided me with my credit report. 

I responded. The CFPB closed the complaint. I have not received my credit report. I just received another request to send my Government Issued identification and social security card. 

I already have done this twice. Can you XXXX please do your job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
False advertising of services received. " Affirm '' ILLEGALLY reporting loans to credit bureaus. Per their own contract & FAQs... They wouldn't report the types of loans acquired. ( Pictures include details of loan dates, amount, stores ) they did not acquire my permission to report such information. 

Affirm clearly states TWO types of loans will not be reported ( before, during, after ) both types being zero percent interest. 1st type is 4 biweekly payment. 2nd type is 3 month no interest. ( My loans are all the 2nd type, 3 months with zero interest ) I tried multiple times for them to remove information from credit reports. Their response is " it is in the agreement signed '' they can/will report information. Even when bringing up facts from their own website ( they refuse to accept it as true and remove the information ) management stated they can do so if " other options were available '' ( no other other options were available. Loan type/length prohibited reporting ) also " I can not provide you with this information, I'm unable to do so '' I see it here on my screen along with your loan agreement ( refusing to provide both proofs. = If other options are available for " manager '' accessibility then that can be forwarded to consumer = broken record. I am unable do do so. No PDF, screenshots, other type of documentation... ) On credit report where reported it is physical harming credit score ( mainly, lowering " average credit age '' = being only neutral fact on my report = reported as 6.5 years vs 10 years as seen on there reports and models )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Funding Logistics, LLC
State: IN

Complaint narrative:
Called United funding logistics On XX/XX/XXXX XXXX Spoke with CEO XXXX XXXX I had explained my situation and other companies that I have tried and nothing was done, XXXX XXXX promised me his company will get it done in a timely manner. 
XXXX XXXX assured me I would not be treated tye same and would get my problems resolved and jot to pay off any debit not to do any negotiations send everything through there office in which I have. 

No lawsuit has been filed against XXXX XXXX. 
Nothing has been removed other than what ai have disputed, I have calledthe bureaus and asked how many hard copy disputes they have received in my name 1 from all 3 bureaus the rest have been done on line by me. 
I have called left multiple messages 1 returned call from XXXX stating she will personally hand this to XXXX XXXX. 
No call back nothing done and the promise I was given was recorded, I want what I was told would be done in a timely manner.its been 8 months and nothing has been completed by this Company. 

I would have already been done with a bank rupt proceeding and was Instructed do not do that we will get this fixed. 

I could have paid some of these off even though these belong to exwife and no validation has ever been done of zny debit in my name other than 100 % satisfied accounts. 
Always a excuse as to why nothing g is done but is on XXXX XXXX advertising his business and they are signing up by the thousands while the ones before get left behind. 

Let 's resolve by working together and get it done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Beginning XX/XX/XXXX I have contacted Capital Ones Fraud team to inform you all my account was improperly closed, as I was scammed restore my accounts. Below is the communications with the local Precinct and Also contact for XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Report Number : XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I found out about my credit score decrease with XXXX XXXX that I had XXXX accounts under collections with Southwest Credit Management ( for XXXX ) and XXXX  ( for XXXX XXXX ). I filed disputes with both companies and submmited all required documents. XXXX never reached back to me with a solid resolution. Meanwhile, I have also reported the ID theft incidents to local police and the FTC, both of which have issued case numbers. 

I requested my credit score to be fully restored and complete balances under both accounts to be dropped unconditionally. 

Thank you for protecting my rights. 

Best,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN : The previous dispute was on XX/XX/XXXX todays date is XX/XX/XXXX and experian is still refusing to remove the accounts that I have reported to them as fraud due to identity theft i have provided them police reports and they told me that the police reports haft to have all of the fraudulant items listed in order for them to even investigate it. I have also previously filed a complaint on them through cfpd this is my last time before seeking legal action experian is in violation of my rights due to the negative items i am unable to get a job a place to live i cant get a car my previouse place of residence i was evicted because of my credit this is ruining me and affecting me mentally. The fraudulant accounts are. 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) In the description i have listed all of the fraudulant open /closed accounts and inquaries that are not mines they all need to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a checking account with Bank Of America. Fraud occurred from XXXX until XX/XX/XXXX when I discovered it. The amount was roughly {$85000.00} BOA restored approximately {$60000.00} I have been trying to recover the remaining funds for the last two months. 
The full details are contained in the attached pdf " BOA Complaint ''. While I have tried to be as concise as possible, I felt I would not be able to fit in the details in the space allotted on the CFPB Web Site. 
Other pdfs included : XXXX and XXXX pdfs both show payments that I had made and authorized from the account in question, that occurred prior to the fraud period, that BOA reversed The pdf labeled BOA spread sheets shows the fraudulent charges and the final action, if any, by BOA The very large PDF labeled BOA Statement is a copy from the Actual BOA site from XX/XX/XXXX until approximately XX/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 monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX 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 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
An account was opened in my name with Bank of America on XX/XX/2022. I did not sign up for this account and the emails began to arrive in my XXXX mailbox around 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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
A few days ago Experian sent me documents stating there was a freeze on the account and than a few days later XXXX changed the name to the right name and than changed it back to the XXXXXXXX XXXX name. Ofcourse this is what happens in the great XXXX scandal. Lawsuits are being arranged since this is a distraction. but I have several remedies to end this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX 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 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I received a letter from your company attempting to collect an alleged debt. For starters, I do not owe your company any money. For two it is not legal for you to collect a debt on behalf of another collection agency. I would like to ask, are you insinuating that I had an account, or some sort of credit with these companies listed below? I have never done business with these companies. I need you to provide legal proof that I have the right to do business with you, what bonds me to you? What kind of business dealings have I done with you? I am demanding that you remove this account from my credit reports at once. It is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. I sent your company a debt validation letter on XX/XX/2022. It is a violation of the Fair Credit Reporting Act to report false information to a consumer 's credit file, you legally have 30 days ( about 4 and a half weeks ) to respond to my request. It has been over 60 days since I originally sent you a debt validation letter, you are not obligated by law to remove this account from my credit file. According to the FCRA, I may sue you in any qualified state or federal court including small claims court in my area.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, This is XXXX XXXX, resident of XXXX, California. I am reaching out to notify you about filing a report about an employment fraud/scam. I am a recent college XXXX and submitted my resume on XXXX site, then was reached out via text message from number ( XXXX ) XXXX about an opportunity on XX/XX/XXXX. I thought I was communicating with the actual XXXX XXXX and what I thought was a legitimate business. I was put into contact their alleged Chief Information Officer employee XXXX XXXX to see about the employment and job briefing via XXXX. After contacting someone posing as the real XXXX of the company, I was offered the work from home job. On the job application, my personal information like my social security and home address was included. XXXX XXXX then informed me that the company was issuing me a {$3500.00} check to purchase my at home office. The alleged company issued out a check on XX/XX/XXXX to acquire an at home office setup to begin training. Once the check was deposited to my account, I was asked to XXXX the money to individuals that were claimed to be the vendor and shipping agent. XX/XX/XXXX XXXX {$1000.00} payments to person XXXX XXXX and a {$1000.00} and {$400.00} payments to XXXX XXXX. The next day the XXXX, another check of {$4200.00} was issued to acquire the rest of the equipment but {$3500.00} of it was returned because of a problem with the issuer when trying to be deposited. The remaining {$700.00} was instructed to be sent to XXXX XXXX. I was then asked to pay for the rest of the equipment and would be reimbursed but I declined and this began my suspicions. The employees from the company have not been transparent and their communication has began to become suspicious and then ended all together after I alerted them I was reporting them for fraud and further investigation. I am now being charged by bank for the full amount of the fraud checks and am doing everything in my power to report and be protected and reimbursed for the bad money. These scammers were posing as the company and now I know it is a scam and fraud. I have also contacted my bank and credit union for a fraud alert to protect myself as well. US Bank and XXXX have not helped me or reimbursed me for the scam because they claim I had authorized the transactions and they are not held responsible. Which is unfair and now I am out the {$4200.00} that was sent to the scammers via XXXX. I have also filed a report with XXXX Police Department, XXXX District Attorny, FTC and FBI IC3. 
Please contact me to begin the next steps to further investigate and protect myself, and get the money back that was scammed from me. 
Here is my contact information. 
Cell : ( XXXX ) XXXX Email : XXXX Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are inquiries on my credit report, that do not belong to me and are deemed fraud. These accounts do not belong to me. I have reached out to Transunion, XXXX and XXXX to rectify the fraud accounts. These fraud accounts are hindered me and I need them removed asap. Below are the accounts which are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are inquiries on my credit report, that do not belong to me and are deemed fraud. These accounts do not belong to me. I have reached out to XXXX, XXXX and Equifax to rectify the fraud accounts. These fraud accounts are hindered me and I need them removed asap. Below are the accounts which are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation