vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Duvera Billing Services, LLC
State: CT

Complaint narrative:
My information was stolen years ago, and someone even filed taxes in my name. I am constantly getting notifications from XXXX bank that my social was found on the dark web. I have items on my credit report that do not belong to me and I am constantly disputing and getting nowhere. I am constantly asking for verification of documents that were used to open these accounts and have received nothing from the credit bureaus or the actual company, but things are being reported as verified. That does not help as my information was once stolen. I am stuck and have nowhere else to turn to for this and was given this information to reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I've explained to Ally Financial several times my current financial hardship. We discussed different payment plans making it feasible enough for me to become current with my loan. We agreed that I would pay an extra {$100.00} a month to bring the loan current. However, I am also being charged a late fee of {$100.00} each month, making a current balance unobtainable and furthering my debt. I am now being threatened with repossession, and harrassing calls XXXX to XXXX times a day to my phone and my family members, while still making payments.

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 2022-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
request for validation of debt. don't have a debt or owe this collection agency. 
requested documents-no response request to delete from m credit due to inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Someone has access to my social security number, various forms of identification, and birth certificate. Have had multiple bank accounts breached. Multiple fraudulent charge claims utilizing bank wire transfers have been filed with XXXX XXXX  XXXX  XXXX. With XXXX XXXX, I had fraudulent charges on XX/XX/2022 for {$500.00}, XX/XX/2022 for {$10.00}, and XX/XX/2022 for {$20.00}. First bank account breached was with XXXX XXXX. Then I moved to XXXX and had that bank account breached. With XXXX, I had a fraudulent charge of {$400.00} on XX/XX/2022, and an attempted fraudulent XXXX payment on XX/XX/2022. I am now in the process of moving to XXXX  XXXX XXXX. On all attempts, customer care was contacted in order to reverse or return money and report charges.

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 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I disputed a transaction on my credit card that I did not make. It was a charge of {$150.00} for the merchant, XXXX XXXX. My bank, USAA, originally refunded the money while they did their investigation into the purchase. They got back to me on XX/XX/XXXX stating that they were not going to refund my money and I was responsible for the charge of {$150.00}, so they reversed the charge on my account. 
I have contacted them on multiple occasions regarding this issue just to receive the same letter over and over stating that Im responsible for the charges. 
I contacted the merchant as well as XXXX and both of them sent me proof that my money had been refunded ( see attached documents ). I sent these documents to my bank, but it was to no avail. They sent me the same document stating I am responsible for the charges. My last letter to them was sent on XX/XX/XXXX to which they have not replied. The last letter I received from them was XX/XX/XXXX where they sent the exact same letter as before ( Im responsible for the payments ). They never addressed the evidence I sent them proving that the merchant and XXXX have refunded my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer. I am filing this complaint against TransUnion for their interim response provided on todayXX/XX/, to existing complaint # XXXX. TransUnion 's response is as follows ; COMPANY 'S INTERIM RESPONSE 'We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request ''. 
That response is a violation of 15 usc 1681i ( a ) ( 1 ) ( A ) which states, In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I am aware that TransUnion has a total of 30 days, starting on XX/XX/2022, not 60 days as stated in their response, to by Federal Law to complete a full, proper and accurate re investigation to this original dispute. Or delete item from my consumer file.

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 2022-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In accordance with Fair Credit Reporting Act Target XXXX Card XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: TX

Complaint narrative:
I have been disputing information showing on my consumer reports with Experian, for multiple years that should not be on my consumer report. There are are multiple accounts, addresses, inquiries, phone numbers, and late payments showing in my consumer report that have been severely been negatively harming my family and myself for years, causing me emotional, XXXX  and financial anguish. I've been a victim of Identity theft for multiple years and Experian, XXXX and XXXX have been aware of this. I was even informed by Experian that another person has been using my social security number for multiple years. I've disputed these items in my consumer report multiple times via telephone, online and via mail in which I've sent certified mail with return receipts. Experian has violated many of my rights pursuant to the FCRA.

Pursuant to 15 USC 1681 ( a ) ( 4 ) - You did not exercise your grave responsibility with fairness, and impartiality. You also infringed upon my right to privacy. The proof of this, is that you furnished multiple accounts & transactions in which you can not even prove took place, and never consulted with me to obtain proof that these transactions took place at all. You then solicited and advertised these transactions for anyone to see! This is irresponsible, unfair, impartial and a major infringement upon my right to privacy.

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 2022-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In accordance with the fair credit reporting and XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for o purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a XXXX  with Citi Mortgage for several years. Citi closed the account in XX/XX/2017 due to inactivity for over two years. The account was closed with XXXX balance due and I was NEVER late on any of my payment while the XXXX  was active. Citi has reported the account closed 120 days delinquent to both XXXX and XXXX. XXXX has the correct information. I have written to Citi several times and each time I receive a form letter saying they believe the information reported to be correct. In my last letter I demanded that they provide specific dates and amounts as to when the account was delinquent, they have refused to provide that information. I have reached out to both XXXX and XXXX who say they are not able to correct the account status. This incorrect information has a XXXX point impact on my credit score. I appreciate your help in resolving this error.

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 2022-05-16 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX GXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$16.00} FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$16.00}

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 2022-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX  - showing a balance of {$370.00} - The balance being reported is incorrect and not showing full payment of account. No balance is owed on this account. Please remove this account and no longer ( cease ) to report this inaccurate account information again. 
- Vendor verified this accounts balance and per their records this report is not aligning with their accounting, verify the balance or remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have had a credit card with Menards for many years. A short time ago they changed their credit card to Capitol One. I have always paid my bill in full when it is due. XXXX to me not only do I have a due date but there is also a set time which is eastern standard time to pay my bill. I was not aware of this requirement until last month. When I paid my bill the automated system told me it was paid late and I would be assessed a late fee and interest. I then looked at my bill closer and realized I had been charged a XXXX late fee and XXXX dollars in interest. I called in to complain and the rep credited the late fee showing on my XXXX bill. I received my XXXX bill which had no purchase charges just the late fee and interest from my pament made on XX/XX/2022. This is a predatory practice. My due date ends at XXXX. I should not have to deal with a card imposed time frame which is created to generate late fees and interest. The imposed time is XXXXXXXX XXXX.They refused to refund thecurrent late fee and interest on my XXXX bill. They also would not tell me which government agency I could file a complaint with. They were generally XXXX. I want my refund and then I will be cancelling my account. I appreciate your assistance with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I have been violated by Goldman Sachs according to FCRA Section 1681 and Section 1691.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: TX

Complaint narrative:
In accordance with the fair credit reporting act. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

15 USC 1666B : A creditor may not treat a paymrnt on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-05-16 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT NUMBER # 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 2022-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc.
State: KS

Complaint narrative:
I have previously filed a complaint against this company for refusing to return my calls and messages I left on their voicemail. They claimed in their response to the CFPB that they had no record of those calls and voicemails which is a lie. They provided an email address and a fax number for me to send documents to, which would be used help remove the debt that was placed on my credit report due to identity theft. I have sent a fax from my bank on XX/XX/2022. I was not aware until I attempted to send another fax today XX/XX/2022 from my bank and it came back that the fax number they gave me was not working, I attempted to send an email to the email address they provided and I got an email back that their server rejected it due to a setting they have. 
I was able to speak to a collections rep at Payliance on XX/XX/2022 and she was very rude. She antagonized my wife and I and made up lies. She claimed that Payliance received so many emails in the last week it crashed their server. I explained to her again it was a fax not an email. She told me they are processed in the order received. I told her this needs to be urgent as I would have sent the required documentation months ago had I received a call back when I left voicemails. She asked if I would hold while she called the supervisor of the dispute department which she claims is the department handling the accounts now. I responded yes and then immediately she said he just responded. I am completely unsure how she got a response from someone so fast that she claimed she needed to call when she never actually put me on hold or even had enough time to call someone. Either way she gave me the same response of all claims are handled in the order they are received. Before I got off the phone with the collections rep she told my wife and I that she prays that Payliance will resolve my issue soon. 
It has now been 20 days since my first fax, and 13 days since I talked to the collections rep and sent the email. They have continued to lie over and over. I need my issue resolved now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation