vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ROAD Auto Finance, LLC
State: FL

Complaint narrative:
I have been trying to notify Road Auto Finance company of the null contract that XXXX has put me in. They will not here me out they have been trying to illegally reposses my vehicle. And ignore my every attempt I AM GOING TO SUBMIT DOCUMENTS BE LOW TO BACK UP MY CLAIMS. 

Contract is Void due to the following violations and can no way possibly be denied. 
I also have reasonbly belief that XXXX falsified information on finance application of my income to get me approved for Auto loan. 

1. Service contract, the service contract was included in my 54 month ( 4.5 year ) finance amount even though the service contract Cleary states ( 3 years ) 2, Dealer fees, the dealer imposed fees for service that are not required by law to be paid by consumers infact the service implied only takes ( maybe 30 minutes ) maybe a are never done again yet I'm am being charged for them for ( 4.5 years ) ( I.e cleaning the vehicle, washing vehicle, topping off fluids. ) All which ARE ALREADY INCLUDED IN TOTAL PRICE OF VEHICLE AS WELL AS NOT REQUIRED IN THE STATE OF FLORIDA 3. TOTAL AMOUNT FINANCE IS INCORRECT!! TOTAL Contract is VOID ALL VIOLATIONS OF TILA, UNFAIR DEBT COLLECTING, AND POOR CONSUMER TREATMENT!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: NJ

Complaint narrative:
I've called many times to tell them this does not belong to me. Sent my social and license to prove it isn't mine. No one is doing anything. They went back instead updated the amount owed but kept reporting it on my account which isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: 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 U.C.S 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX 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 instruction.

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 1681c-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 2023-02-25 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: 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 U.C.S 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction.

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 1681c-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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello I've made mutual agreements for late payments with my creditors for XXXX XXXX auto loan, XXXX XXXX, XXXX XXXX The late payments were removed, but data furnishers went back and reinserted late payments onto my report without notice, after dispute was already closed. the back and forth games are destroying me mentally please help. 

I called original creditor who gave me a hard time and would not honor their word or our agreement, also I called bureaus to see why late payments were being put back on my consumer report, no clear answer was given, XXXX XXXX said they'd give me a pass on my late payment. 

this has caused traumatic amounts of sleepless night and mantel anguish I've complained over and over again Ive sent 10-20 letters for months to get rid of these false late payments I am desperate and begging for help to once and for all get rid of these detrimental marks to 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 explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have had a credit card with Bank of America since XXXX that I use quite often. Due to some financial difficulties, I was usually up towards the top of my credit limit, but would make at least my minimum payment on time. I was able to pay off my {$3900.00} balance in full this week, and when I went in to check my card it would not come up and I was told there was no account for my login and password. I went on to contact the number on my card and was bounced around to various people which seemed to be in the same area with no answers. I asked them who closed my account and why. I was told no one has that information and they couldnt tell me anything but I would get a letter at some point. For this to happen with no notice or backup information is ridiculous. I have essentially been punished for paying off my balance. If I continued to pay small amounts, I would have been able to use the card for {$100.00} each time or whatever. The fact that they would not provide me with any information or allow me to speak with a supervisor at any point when asked, is horrible.

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 2023-02-25 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:
Please remove the late payments from this account or delete this account as the information is incorrect. I've included the credit report from both Equifax and XXXX and both are reporting different incorrect information. You have incorrect account numbers and also incorrect payment history. Equifax shows 23 months of good payment history and XXXX shows 18. Please delete or removed all late payments. Account name : XXXX XXXX XXXX Account number : XXXX Date opened XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX You applied for a credit card on XX/XX/2023 I received the above information via email from XXXX bank and XXXX XX/XX/2023. I did not authorize the credit card application and the address used was an old address ( XXXX  XXXX XXXX, XXXX, OH- I have not lived in Ohio for 7 years ) XXXX  XXXX XXXX that someone used my name, DOB XXXX and SS # to apply for a credit card. It is now noted as fraudulent. I froze XXXX and reported fraud to Equifax and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
I've called many times to tell them this does not belong to me. Sent my social and license to prove it isn't mine. No one is doing anything. They went back instead updated the amount owed but kept reporting it on my account which isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX 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 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 2023-02-25 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: PA

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. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX 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 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 2023-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently received a copy of my credit reports. The credit report showed my student loans which I did not authorizie. I understand that it shouldn't be allowed to put on my file unless I have authorized it. 

According to 15 U.S. Code 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I notified the Credit Bureaus on XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX. 
Notifying them that they do not have my legal consent to share my information. 
The amount of my Student loan is XXXX. 
I notified them stating that I have sent letters certified mail because I needed prompt response to this issue.

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 2023-02-25 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: GA

Complaint narrative:
I recently received a copy of my credit reports. The credit report showed my student loans which I did not authorizie. I understand that it shouldn't be allowed to put on my file unless I have authorized it. 

According to 15 U.S. Code 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I notified the Credit Bureaus on XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX. 
Notifying them that they do not have my legal consent to share my information. 
The amount of my Student loan is XXXX. 
I notified them stating that I have sent letters certified mail because I needed prompt response to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My card had fraudulent charges for the following : XX/XX/2022 - XXXX XXXX - XXXX XX/XX/2022 - XXXX XXXX XXXX - XXXX XX/XX/2022 - XXXX XXXX - XXXX XX/XX/2022 - XXXX XXXX - XXXX I first contacted XXXX. They said they couldn't help me because these charges are not on my XXXX account. 
I have contacted Barclays ( credit card company ) 3 times regarding these fraudulent charges, requesting specific documentation they claim they received from the merchant to prove the charges were mine. I have also included entire details on my XXXX transactions to Barclays showing them that the charges are not mine and not on my XXXX account. The credit card in question has never been linked to my XXXX account. Barclays response every time is their same standard form letter stating that they received documentation from the merchant verifying the charges as mine. I've requested copies of the actual documentation and they refuse to provide it. These charges are not my charges. They are fraudulent 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 2023-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates
State: MS

Complaint narrative:
In XX/XX/XXXX of 2022 we were looking to get new phones for the clinic since our old phones were very old. We contacted XXXX a phone company saying that they would give us new phones for a fee. We paid that. In a week they took our phone number from XXXX XXXX XXXX and left us in the dark. We had no phone line that worked! XXXX didn't inform us that they would take our phone number ( XXXX ). We stated that we didn't want that to happen. Still no phones were working. I had to use my personal cell phone to receive clinic calls which on one at XXXX helped us with. XX/XX/XXXX we asked XXXX XXXX XXXX to port over our phone number ( XXXX ) back. They said it would take a month. XXXX XXXX XXXX offered a cell phone while they worked on getting the phone number ported. XX/XX/XXXX of 2022 they promised to get the phone lines back up and running. That was a lie. I spoke with XXXX XXXX XXXX every day and someone offering broken promises. XXXX rolls around and still no phone lines. We lost so much money due to XXXX and XXXX & XXXX! We eventually turn to a local phone company named XXXX in XXXX, XXXX XXXX we returned the XXXX & XXXX cell phone when we finally got our phones ported to XXXX. XXXX XXXX XXXX and XXXX still claim we owe them money for services we never received. This has put a strain on our business and team.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, National credit system sent me a validation notice letter regarding a debt owed to their clients the XXXX XXXX XXXX One for {$600.00} account number XXXX and the second for {$7500.00} account number XXXX. The letter stared that I have until XX/XX/XXXX, to dispute all or part of the debt. Please see PDF exhibit 1 and 2. 

On XXXX I responded by certify mail requesting for a validation letter. Exhibit 1 and 2. According with the tracking number attached they received the letter on XX/XX/XXXX. 

On XX/XX/XXXX, I received another letter from national credit system stating that they want to resolve this issue if I pay 50 % of the debt. I responded asking for a validation letter. Please see exhibit 3 and 4. They should receive the letter according with the tracking by XX/XX/XXXX. 

On XXXX XXXX I got an alert in my credit report that national credit system has reported the accounts as derogatory to the three major bureaus ( XXXX, XXXX, XXXX ). The same day I called XXXX, XXXX, XXXX to begin a dispute. 

The same day I contacted the national credit system to request to remove the mark until the debt has been validated. They said that they have been trying to contact me since XX/XX/XXXX. I never received any letters, phone or electronic message before from the national credit system or their client ( XXXX ) regarding this debt. They were very rude and unprofessional. I was constantly interrupted by the agent, making it impossible to communicate. He took my e-mail address and stared that they will e-mail me a validation letter in 24 hrs. Until this day i have not received any correspondence from them. 


On XXXX my husband received a letter from them regarding the debt. They stated in the letter that they will soon report this account to the credit bureau if he did not respond asap. Please see Exhibit 5. 

I want to mention that my husband ( XXXX XXXX ) was never contacted before regarding his debt, never did he receive a validation note, a phone call or an electronic notice. We requested a validation letter. Please see exhibit 5.

We did not know about those charges ; we were never contacted by the XXXX XXXX regarding this debt before it went to collection. rented for them for 3 years and we always paid on time.

I want to mention that we were approved for a mortgage loan, and we will be closing at the end of XXXX. I am afraid we won't be able to close due to their allegations. Please let us know if you can help us. 

Thank you so much.

Company response to consumer: Closed with explanation