vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-06-14 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United Group Inc.
State: OR

Complaint narrative:
I purchased a vehicle on XXXX, XXXX, XXXX after being in an auto accident on XX/XX/2023 and finally being paid out for my car. I found a vehicle through XXXX XXXX XXXX XXXX in XXXX, OR that I was pretty sure I wanted after speaking with the salesmans wife via XXXX messenger for a couple days. On that Friday the XXXX, I took my XXXX XXXX XXXX and XXXX XXXX XXXX in a rental vehicle for the 2 hour drive to see the vehicle. We arrived at the car lot around XXXX. I test drove the car and decided so was going to buy it. One of the salesmen there discussed my down payment amount as he entered my information into a computer and discussed what he was doing with the sales manager. I told him I wanted to put {$2000.00} down on the vehicle and if I absolutely had to then I could put {$3000.00} down. He said with {$3000.00} down my payments were going to be about {$300.00}. I told him that amount was too high for me. He stated because it was a Friday and the evening that the amount could change since he is unable to get final approval from a finance company due to them all being closed. I then went in with the sales manager while my XXXX kids were destroying their office and went through the paperwork. He said that my payments were showing {$300.00} but once they got ahold of the finance company then they would have the for sure amount. So they took my {$3000.00} and I left with the new car. I then did not receive any notices from XXXX XXXX in the mail only a text that said everything was taken care of. I then a few weeks later received a notice from United Finance in XXXX, stating that my loan contract had an error and that they were changing my payment due date to the XXXX of each month and I needed to sign that paper and send it back. Then I received a notice that I needed to provide my insurance info to them. I was never told that United Finance was the company financing my car sale. I received no notice or contract showing the terms of my loan with their company being named on it. No address/email/website to submit my payment to. No account number. They then put my vehicle in to be repossessed but I dont have documents showing that they are named anywhere as any part of my financing, when I talked to them they said they hadnt heard from me except when I sent them messages in their website under their contact me tab, but she stated that their company has no email, and they couldnt respond to my messages. I then asked for them to provide me with a bill showing the total amount due on my account with my name and account number and whom I was submitting my payment to and they said that they dont provide that. So Im supposed to blindly send money to someone who wont even provide me with a bill and no I have no vehicle since it was repossessed and taken to a holding lot 3 1/2 hrs away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act has Capital One 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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer plan late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: LEXISNEXIS
State: OR

Complaint narrative:
I keep getting denied for every kind of credit and money service possible I am being unfairly discriminated against and my human rights are constantly being violated causing me distress and XXXX the main problem is with XXXX reporting inaccurate information and with Lexis Nexus risk services also reporting inaccurate information even after they are suppose to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a letter XX/XX/XXXX that my application for credit card through Truist Bank, where I have a checking account, was denied. The letter gave a contact phone number to request reasons for denial. I called it XX/XX/XXXX and was told I had to call back the next day which I did. On that XX/XX/XXXX call, I requested reasons for denial and was told I would receive an Adverse Action letter within 30 days. Still no response as of XX/XX/XXXX, I called the contact number. The rep said she could see my request of XX/XX/XXXX was logged in but could not see that a response letter had been sent to me. I notified her that they were in violation of the ECOA and FCRA. She said she would check the status and call me back. I have never received a call back or explanation for the credit denial. On XX/XX/XXXX I mailed a letter to them providing this same summary and written notification that my ECOA/FCRA rights have been violated and copied CFPB. I expressed concern that I was discriminated against because I am a retiree who relies on my substantial assets in lieu of employment income, that their lack of compliance with Federal regulations furthers my discomfort and that I look forward to their written response. To date, I have received no response from them.

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 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: CO

Complaint narrative:
I was arrested on XX/XX/XXXX and wasn't released until XX/XX/XXXX while I was incarcerated my XXXX check was deposited into my account. When I was rested on the day of the XXXX the police did not let me secure my father 's car, my wallet, or mine and my wife 's cell phones. While I was incarcerated my father 's car a long with all the items in the car or stolen when I got out on the XXXX of XXXX it took me a couple days to get another phone and that's when I found out that my money was fraudulently taken I made a report with card.com and on XX/XX/XXXX they credited my account telling me that they had completed their investigations and that there was discrepancies found then a month later on XX/XX/XXXX my XXXX check was deposited and my account was at a XXXX balance I contacted them on the XXXX of XXXX to find out where my money was and they hung up on me then I called back and asked to speak to a manager and he told me that the money was taken because there was no discrepancies found. I sent them a copy of my incarceration letter and they refused to reverse the decision I made a complaint with the better Business bureau also and they refuse to hear my case or make any changes I thought that this was all I could do but a friend told me about consumer protection agency because I was telling him about what happened and I never received a call from the investigation team or any management I even tried contacting the CEO of the company to have him reverse the decision because of my sufficient documents supporting my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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 received an inquiry from this company. Ive never opened or attempted to open an account with this company. I called to see if an account was open but they said they have no records of it. Remove inquiry and account if one was made.

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 2023-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
I am being sued in the wrong venue by a law firm claiming to be a debt collector. According to the FDCPA the proper venue for this debt is the district court. This law firm does not have a valid contract after askiing to validate the debt and is now filed a complaint in a state court. This is a violation of the law. 

They also ignored my requests to produce the contract and have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Second mortgage was charged off for a deed in Lieu. I do not live there or in same state. They have reported the amount on .y credit and even had the wrong amount posted at a time. During COVID the state of Florida was in an state of emergency and they repeatedly contacted me asking.e for money. They even made me a deal on paper that I am attaching. I recently contacted them and offered {$3000.00} and the man said they wanted half of the balance and that deal can no longer be in place. He also said he would present the deal and send me a letter of response. I have not heard of anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
Fraud and identity theft Debt is already paid and discharged I didnt give permission to be furnished on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have already sent a letter to Experian, XXXX, and XXXX Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-14 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: OR

Complaint narrative:
I keep getting denied for every kind of credit and money service possible I am being unfairly discriminated against and my human rights are constantly being violated causing me distress and XXXX the main problem is with Transunion reporting inaccurate information and with XXXX XXXX risk services also reporting inaccurate information even after they are suppose to remove it

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I'm currently unable to access my USAA checking accounts in which my salary is deposited. The account is tied to a phone number I no longer have access to therefore I'm unable.to authenticate using the number. I contacted USAA on XX/XX/XXXX and explained this. I was told to submit my ID and I would be contacted within 72hrs. I submitted my ID successfully. On XX/XX/XXXX and XXXX I reached out to USAA to inquiring about their recovery team 's outreach. On XX/XX/XXXX I was eventually told to call back later because the rep couldn't assist me. I provided SSN, the original phone number, the email on the account, and DOB. On XX/XX/XXXX I was told to resubmit the Govt ID bc the recovery team hasn't contacted me yet and that would introduce another 72hr wait time putting me at one week without access to my bank accounts. The rep said should couldn't contact the recovery team nor transfer me to anyone that could help bc she couldn't authenticate me. At this point I can not access my money and USAA has not provided any solution for this type.of problem. I do have an email address on the account but USAA will not send the security code to it for authentication..I have several bill payments coming from that account and I can not access any of 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 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX a deposited was made and out on hold until XX/XX/XXXX. The deposit has finally cleared and Bank of America is not letting me access my funds. I have tried to solve it with their fraud detection department and they are not giving me any information for this problem to be solved. Rent has been overdue and they are holding my funds. I spoke to a representative named XXXX she is a manager in the department and she couldnt help me resolve my issues.

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 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TransferWise Ltd

Complaint narrative:
Hey. 
So I'm having as issue that my account have been deactivated by WISE.COM on XXXX of XX/XX/2023 without any authentic reason. 
I'm using it as a XXXX company. 
And it is registered with my LLC. But suddenly they deactivated my account. And my amount of XXXX was in pending with wise.. 
And they don't even giving me any choice to appeal for my account reactivation. 
I want my account to be reactive so i can peruse my business with it. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I disputed this collection via XXXX in early XXXX  and the debt was removed, but somehow re-appeared. I then submitted another dispute in XX/XX/ that was declined. This medical debt is a result of identity theft and it is now hindering my financial standing as I try to move forward with other personal endeavors.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation