vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
Spring Oak Capital account # XXXX. 
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that every thing is verified correctly. My credit report is still showing inaccuracies, as well the account constantly being deleted & reappearing on my credit reports month after month, my consumer rights has been violated over & over by this company disregarding laws 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 of has reasonable cause to believe that the information is inaccurate.

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 
15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: FL

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts XXXX XXXX. allegations are either UNTRUE, XXXX, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows :

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 2022-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reached out to credit bureaus to find out who is furnishing bankruptcy information to all three credit bureaus and o was told it was ( XXXX XXXX ). I reached out to XXXX XXXX and I was told they have no record of a XXXX on my profile. I reached back to the credit bureaus to do another investigation and because their information is incorrect and the keep saying information is valid from XXXX XXXX. The credit bureaus are failing to do their job and investigate my complaint.

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 2022-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: IN

Complaint narrative:
Moneylion is having some issue that will not allow me to login to my account. They are well aware and I have begged them for help. This account has helped me make ends meet. I needed access to my account. I am worried someone has hacked my account and I have called and emailed many times to get help. No one can help me. I just keep getting put off and told someone will contact me. This account is linked to my bank account. This is serious and no one will help me in a timely manner.

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 2022-10-30 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I have been battling with Marcus by Goldman Sachs for months. My entire wallet was stolen from my gym, XXXX XXXX XXXX, in XX/XX/XXXX. I reported this to the police and notified Marcus by Goldman Sachs requesting they close the account and lock the card. However, my request fell through the cracks and the thief was about to make over {$2000.00}. I disputed all transactions from XXXX and the only transactions that were awarded in my favor were the ones that failed to provide evidence to Marcus. The financial institution is claiming that the merchants have provided sufficient evidence because the tracking shows proof of delivery and my information matches. I have requested documents from these merchants and they are all online purchases from an XXXX XXXX ( Ive had an XXXX XXXX since XXXX  ), the carrier service is XXXX XXXX XXXX ( I use XXXX ), my name is continuously spelled incorrectly on all purchasing orders, and the orders come from email addresses that do not belong to me. The email addresses are ; XXXX, XXXX and XXXX. None of these email addresses belong to me. I also have proof that similar charges, from the exact same email addresses, occurred at the same time on a XXXX credit card. They were all marked as fraudulent and I was not held responsible. The law states that : Under a XXXX federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. The Consumer Financial Protection Bureau issued guidelines saying that the law covered all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission were the bank 's liability. 
This financial institution is not providing sufficient explanation and reasonable cause for their decisions, leaving me victimized by Identity theft. 

Marcus by Goldman Sachs has also made me aware that a charge from XXXX  can no longer be reasserted and I will be responsible for the transaction amounting in {$120.00} and XXXX XXXX in the amount of {$530.00} and I am held liable for these transactions. I never authorized these purchases, no one else had authority to make these purchases and I did not receive the merchandise from any merchants.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following alleged Public Record you are reporting concerning me is inaccurate andlor incomplete, and also unverifiable by you : XXXX contacted the court of record and they confirmed that they neither provide or verify court records to you or to any other third-party. ( See attached letter ) Public Record I then contacted XXXX and informed them of their errors in reporting and they responded with a letter deleting any and all Public Record notations. ( See attached letter ) Therefore, you could not have possibly verified this information, argocke, request that you delete the alleged Public Record and provide me I updated copy of my consumer file. 
In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that yo. prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my curre dispute. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning I me. Your prompt attention to this important matter is requested in order

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 2022-10-30 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: TX

Complaint narrative:
In accordance with the Fair 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 Account # XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I live in a state that has legal online gaming, This is a processes I engage in regularly for entertainment. I am XXXX XXXX  because of my XXXX. So this helps me to pass time. I have asked customer service more then once to look into my checking account for errors. I have had my account overdrawn several times from transactions made from from many different online casinos. I have come to watch my balance every time i deposit into my XXXX acct. to ensure that the deposit comes off of my online checking account ledger with every purchase i make. ( It always dose! ) I look at my ledger and see my balance drop by the amount of my purchase. Sometimes when i look the next day my balance will change over night. There are many more transactions added from the dates earlier that have already been paid. By that time it is impossible for me to track because every thing is move around in the balance column of my acct. ledger. And all of the balances have changed. Bottom line I am being charged twice! I have asked to talk to several supervisors to help with this problem. all they tell me is they don't know why this is happening. So they connect me to another department they tell me the same thing. And it never gets resolved. All they can seem to say is something looks wrong. Please Help! I just want to know why this is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
In Regards to case complaint # XXXX and attachments response from XXXX XXXX via cfpb, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX stated that, I XXXX XXXX , was given all proper documentation from XXXX XXXX legal counsel XXXX XXXX XXXX XXXX XXXX XXXX towards this alleged debt. XXXX XXXX stated, '' For your reference, Ive attached a copy of the XX/XX/XXXX letter we sent you attaching your Retail Installment Contract, Declaration Acknowledging Electronic Signature Process, and payment history, as well as the notices we sent you during and after your vehicle was repossessed and sold at auction. I am requesting specific proof about the mailing of notices before and after sale. I have been REQUESTING THESE DOCUMENTS from day one, I have never received anything by mail during the appointed time that your company and attorney claimed you sent to the address : XXXX XXXX XXXX, XXXX, CT XXXX. XXXX XXXX stated that, on or about XX/XX/XXXX, A NOTICE OF REPOSSESSION/NOTICE OF RIGHT OF REDEMPTION and so on WAS SENT TO ME VIA USPS CERTIFIED MAIL WITH TRACKING NUMBER XXXX. If you take a look at that tracking info it is unrelated to this case or issue. I will attach. According repo Laws, XXXX XXXX Violated the FDCPA. In addition, XXXX XXXX claim that Credit Acceptance Corporation is not a " debt collector '' under the FAIR DEBT COLLECTION PRACTICES ACT, WHICH THAT IS FALSE. AS PURSUANT TO 15 USC 1692a ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Also, lets set the record straight my signature and initials is not any where on that alleged " contract '', I have been requesting an original contract with my wet signature. Like I said when I request information from your Counsel they state they only have copies. They cant show me anything original, how is that valid? You stated that your counsel send me documentation or correspondence through mail where is your proof of that? That's all hearsay. I will be taking this case to federal court with proof all violations of my federal consumer 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 monetary relief
Consumer complaint received 2022-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a bill from XXXX XXXXSYNCHRONY bank for a credit card that was opened in the name of XXXX XXXX at my XXXX XXXX XXXX XXXX XXXX, XXXX, FL. A purchase has been made in the dollar amount of {$3500.00} in XXXX XXXX Florida for an XXXX XXXX XXXX XXXX. I tried calling the phone number on the bill XXXX XXXX and there was no answer. The credit card number is XXXX. Make payment to SYNCHRONY Bank XXXX XXXX XXXX, XXXX, FL XXXX. I never applied for a credit card with this bank I did not make a purchase for air conditioning anywhere I dont even know where where XXXX XXXXXXXX XXXX at. I would like to report this credit card fraud please. I purchased this address through foreclosure in XX/XX/2022 and there was a squatter living here at the time and phone numbers that was posted on the door of the house XXXX and XXXX for the person that was squatting at my residence XXXX XXXX XXXX XXXX, FL XXXX. The website on the envelope that was mailed to me with the credit card bill www.mysynchrony.com.

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 2022-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
USAA bank has frozen access to my checking accounts., I am unable to make withdrawals or access account statements. The representatives state that the reason is that I have failed to fill out personal information required by U.S. law. However, the information and forms they request is not required by law. They are lying to me and to their customers. They have no right to freeze my accounts. 

Further, this issue has arisen before. At that time, I withdrew all my money from USAA. They then backed down and reinstated by accounts and gave me access. So obviously they do not need this information and these forms, they just want them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A few months ago I have moved back to the states. I opened a bank account and they said I have my personal credit information compromised. Following bank and credit instructions I wrote three certified letters and sent them out on the XXXX/XXXX/2022, to Equifax, XXXX and XXXX with a copy of my ID and copy of my SS. Although I didnt like the idea of sending all my information they said this was the only way to verify my information and solve my credit report. 
It cost me {$23.00} plus my time and frustration to send these letters proving my identity. 
Two of the credit companies have now answered me with a very poor information, no report and basically say to send the information again. Equifax which was my main concern has not answered and the letter was picked up by who knows who. 
It is unbelievable that there is no way by phone or email to find a solution and even a registered mail is not taken into a more professional consideration. 
I have been rejected by basic credit cards and I want to start building credit but I dont know how to go around this problem.

How do I get to verify my credit information when these three companies just wash their hands. Im sure Im not the first person to move back home after 20 years and want to start all over again. I have proof of everything and I want to find a solution. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American First Finance, Inc.
State: FL

Complaint narrative:
I have filed 2 complaints with the CFPB in regards to this company. Each time the company refused to respond but decided to send me a one page alleges agreement I had with the company. American First Finance has reported an alleged account in a negative manner to multiple credit reporting agencies. The company has violated my rights to privacy. I did not receive the necessary disclosures or ability to dispute this claim before it was added to my consumer report. This one grace error is causing financial difficulties in my family life and household. I am being denied the ability to a place of abode because of this item reporting as charged off on my report. I am demanding this company to correct this issue by zeroing out this account and deleting this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30 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: 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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A state I have the right to privacy.

15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years.

15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a 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 2022-10-30 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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A state I have the right to privacy.

15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years.

15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief