vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
I signed a lease to purchase agreement for standard tires for a common US sedan. 
I never took possession of tires made. I explained to the vendor that I wanted to cancel due to poor customer service. And a feeling of safety concerns in his business. 
I also explained to XXXX ( the finance company ) the same issue. There were two conference calls between myself the vendor and the finance company. The Vendor refused to return funds to the finance company even though I never took possession of the tires. During the second call the vendor was very belligerent and disrespectful to both me and the finance company. I did request the company save that recorded call. 
I can't be held to a lease agreement or at least to purchase agreement if I never took possession of the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: TX

Complaint narrative:
I am demanding that the credit reporting agencies stop reporting this account for inaccuracy. XXXX XXXX is a paid account, and I had an agreement with the creditor to remove the account once it was paid. Also, the date last active is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX XXXX, and the payment history is inconsistent. There are also different account numbers being reported for the same account how is this possible? The account numbers reported XXXX, XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I have called the credit reporting agency Experian multiple times and they haven't removed inaccurate variables of my name, i need this inaccurate name info to be removed immediately from my report as the fair credit reporting act states, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed. The only name that should be listed on my Experian report is XXXX XXXX XXXX XXXX which is the one listed on my id and my birth certificate. Please remove name variables that says : XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX From my Experian report immediately I am tired of trying to get this wrong info out of my report. I attached my id and my birth certificate to validate all my name information. I expect this to be corrected as soon as possible

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 2023-03-22 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/2023 Tranunion, again dropped my credit score by over 80 points. There are requiring me to pay to know what negative factors that are ma

y be impacting my credit score. Identified they don't work in my country and don't have to divulge why it dropped over 80 points but a computer algorithm did it. there are no seeable negative factors, but it impacts the consumer financially and detrimental. however, if I want to know anything they are requiring me to pay for a report. Claims i am on a recorded line and would like the CFPB to get access to that recording. They refuse to fix any errors on their end but require me to hire someone to do it or pay them to correct it by showing negative factors.

Consumers are not protected, and they stated they don't care that the CFPB gets involved as they do nothing anyways. I will look into a congressional review of the following information as stated and recorded by both parties above.

This is the 3rd time they have done this with no negative factors, or excessive dropping of credit score for no reason whatsoever. Not even US based and all [ personal information is being given to foreign entity who cares not about any US consumer.

Will be taking this complaint public. 

Congressional review has been requested and advised for every American dealing with the same 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 2023-03-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Found out in XX/XX/2023 that my auto policy was renewing in XX/XX/2023 with and went from {$760.00} to {$980.00} for a 6 month policy. I spoke with 2 reps and was told that if I enrolled in the safe pilot program, I would get at least a 10 % participation discount as well as up to a 30 % discount. 

I called back when the policy renewed because I received no discount as promised by two representatives. I downloaded the app and had it monitor all driving habits 24 hrs a day for 2.5 months. 

I was then told that I had to now wait until the next policy renewal in XXXX because I was supposed to be enrolled in before XX/XX/XXXX for it to be effective for this term. I was told that I shouldve at least received the 10 % participation discount but they had no idea how to apply it. A supervisor of USAA transferred me to XXXX XXXX XXXX  of the USAA advocacy team on XX/XX/2023. 

Our initial conversation on XX/XX/XXXX went well but our follow up conversation today ; did not go well. XXXX accused me of lying about eve downloading and using the SafePilot app in the past and kept loudly saying that her decision is final. On multiple occasions, I requested to speak with someone else and informed her that her tone and mannerism were both unprofessional and unwarranted, but there was no change. 

Im told that the calls are recorded so it should be easy to hear the entire conversation. 

Ive been with USAA for 19 years which is my entire military career and use them for car insurance, life insurance and home owners insurance and demand respect, professionalism and honesty. If I was promised a discount by 2 employees on separate recorded calls ; then that discount should be honored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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 — Investigation took more than 30 days
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
On XXXXXXXX XXXX  2023 certified mail was sent to SEQUIUM ASSET SOLUTIONS to validate said debt owed to XXXX XXXX XXXX. The company has failed to respond to validate any amounts. Have not received any proper documentation. The letter sent showed my XXXX account at a {$0.00} balance. It is now XX/XX/2023 and I have yet to receive any response to my letter. Failure to validate within 30 days. 

The company also does not have proper licensing to collect debt in the state of FL as verified by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had a small issue with my bank and my car payments made to XXXX were refunded to me over a three month period. XXXX reached out to me and made me aware of this and I immediately paid them back what was taken from them. They ensured me over a recorded line they would not hurt my credit since they got their money back within 48 hours of notifying me. XXXX then destroyed my credit report and maked me as 90 days past due. I was never past due, I paid all my payments on time and when the little hiccup happened I got their money right back to them asap. Now my credit score has dropped XXXX points and I cant even use my credit anymore due to them falsely reported things late after one of their reps even promised me that wouldn't happen or be the case. 
So within 3 days of the incident after I was notified they were paid.

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 2023-03-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I had a small issue with my bank and my car payments made to XXXX were refunded to me over a three month period. XXXX reached out to me and made me aware of this and I immediately paid them back what was taken from them. They ensured me over a recorded line they would not hurt my credit since they got their money back within 48 hours of notifying me. XXXX then destroyed my credit report and maked me as 90 days past due. I was never past due, I paid all my payments on time and when the little hiccup happened I got their money right back to them asap. Now my credit score has dropped XXXX points and I cant even use my credit anymore due to them falsely reported things late after one of their reps even promised me that wouldn't happen or be the case. 
So within 3 days of the incident after I was notified they were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: GA

Complaint narrative:
I had a small issue with my bank and my car payments made to XXXX were refunded to me over a three month period. XXXX reached out to me and made me aware of this and I immediately paid them back what was taken from them. They ensured me over a recorded line they would not hurt my credit since they got their money back within 48 hours of notifying me. XXXX then destroyed my credit report and maked me as 90 days past due. I was never past due, I paid all my payments on time and when the little hiccup happened I got their money right back to them asap. Now my credit score has dropped XXXX points and I cant even use my credit anymore due to them falsely reported things late after one of their reps even promised me that wouldn't happen or be the case. 
So within 3 days of the incident after I was notified they were paid.

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 2023-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I already have an existing claim on this issue but Im filing another claim because Chase has now I guess youd say has takien revenge. In a month and a half they have done three escrow analysis. The first one done early XXXX and one done late XXXX showing the overage of {$4500.00}. That check was supposedly mailed to me twice which is why they did the analysis twice. I have ecopies of the statement showing the voided check. I never got it which is why they did it twice. And now, after I filed a complaint, which, by the way, the individual at chases executive office called me one time, gave me her contact information and I called her back XXXX times with no response. Now all of a sudden, since I filed a complaint, they did another escrow analysis for no reason, and mysteriously my tax payment has now increased enough to where I dont get an overage. Amazing that in a matter of two weeks and three escrow analysis, all of a sudden the money that Chase owes me is now going to the state for property taxes. Explain to me how XXXX county just miraculously selected my property to do a random tax increase AFTER the new year analysis had already been done last month, and yet they raised the taxes for me after I filed a formal complaint against Chase. So odd. This is completely illegal. I reached out to the city of XXXX County and Ive looked up my projected taxes and they are NOT what Chase is claiming inthis 3rd escrow analysis. What Chase is doing is theft and fraudulent. Just amazing that the amount that they came up with this time completely zeroed out the escrow account versus them sending me the money that they sent me just two weeks ago and two weeks before that. But again, miraculously, I didnt get those statements. Got my mortgage statements so clearly the mail is working. Seems to me as like there might be some huge scam that Chase is working with peoples money in there overages. They will not call me back. They will not respond to their actions. They have stolen my money. Do you know the financial institutions right now? Really arent looking too well in the news. Id be more than happy to contact the local news here and let them know what XXXX is doing, and then you know I bet people might make a run at chases banks. Theres a lot of people in Arizona the bank with Chase. Probably wouldnt be best for them. But if I dont get some responses and I dont get my money, I will be more than happy to bring this to the attention of the media.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On or about XX/XX/XXXX, according to my XXXX credit report, I opened a Kohls credit card. However, I only became aware of the existence of this card in XX/XX/XXXX, in the course of applying for a mortgage to purchase a home. My mortgage broker said that I owed ~ {$450.00} associated with a KOHL 's credit card, and that it was negatively impacting my application. I called Kohls in XX/XX/XXXX and they told me that they had sold the account to a collection service in XXXX. I asked them to please send me a copy of the credit application so that I may review signatures to authenticate. They said they were not able to do so. I asked Kohls to research the dates/times of transactions on said card and search video of associated purchases to investigate. They said they were unable to do so. They reiterated that my complaint must be taken up with the collection service. When I contacted the collection company which Kohls hired they stated that they could help only after the debt was paid. So in XX/XX/XXXX I made a payment of ~ {$450.00}, and I pressed on with my research. My former wife and I separated in XX/XX/XXXX. My theory is that she took out the card in my name. She managed all of our financial affairs. I'm in an awkward position as the non custodial Father to our XXXX children. It would be extremely detrimental to my relationship with my children if I were to look to the courts for relief. I have no knowledge of the card. I've taken the high road and paid off this debt. In the absence of an original credit application or video evidence of purchases I allegedly made, it is my wish that Kohls would correct the record and delete the negative reporting associated with this fraudulent account opened in my name. Currently, my credit shows four late payments in XXXX, and two late payments in XXXX, and then a charge off in XXXX. The charge off incidentally happened in XXXX, and not in XXXX, according to my conversations with Kohls and according to my conversations in XX/XX/XXXX with the XXXX XXXXXXXX XXXX which they sold the account to in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: IL

Complaint narrative:
My consumer right has been violated according to 15 us code 1681 .... inaccurate information is listed on my report which should be deleted immediately...

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 2023-03-22 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: SC

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2023-03-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2023 I received a letter from Bank of America that an application for an XXXX  XXXX XXXX XXXX credit card had been received in my name. This application was fraudulent On XX/XX/XXXX I contacted Bank of America and alerted them to the fraudulent credit card application. I was assured that the XX/XX/2023 hard inquiry would be removed from my XXXX credit report and that I would receive communication regarding Bank of America 's fraud investigation. These were false statements. 
I contacted Bank of America in XX/XX/2023 about this and was told that the XX/XX/2023 hard inquiry would be removed from my XXXX credit report and that I would receive communication regarding Bank of America 's fraud investigation. These were false statements. 
I contacted XXXX credit reporting agency in XX/XX/2023 with a notarized affidavit of the identify theft that occurred on XX/XX/2023. They opened an investigation and contacted Bank of America regarding the fraud. According to XXXX, Bank of America indicated that the disputed credit inquiries were valid. These were false statements. 
As of today I have never received communication from Bank of America on this fraudulent credit application, and the XX/XX/2023 hard inquiry remains on my XXXX credit report. Bank of America has violated the Fair Credit Reporting Act ( FCRA ) by maintaining false information on my consumer credit report, and so under the FCRA is civilly liable to me for " actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater '' ( 15 USC 1681n ( a ) ( 1 ) ( B ) ).

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 2023-03-22 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: IL

Complaint narrative:
My consumer right has been violated according to 15 us code 1681 inaccurate information is listed on my report which should be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am demanding that the credit reporting agencies stop reporting this account for inaccuracy. XXXX XXXX is a paid account, and I had an agreement with the creditor to remove the account once it was paid. Also, the date last active is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX XXXX, and the payment history is inconsistent. There are also different account numbers being reported for the same account how is this possible? The account numbers reported XXXX, XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.

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