vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 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: VA

Complaint narrative:
I'VE CONTACTED THE BUREAUS MULTIPLE TIMES REGARDING THIS ACCOUNT. PROVIDING DOCUMENTATION OF WHO I AM AND WHERE I'VE LIVED INFORMING THEM THAT THIS ACCOUNT HAS NEVER BELONGED TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'VE CONTACTED THE BUREAUS MULTIPLE TIMES REGARDING THIS ACCOUNT. PROVIDING DOCUMENTATION OF WHO I AM AND WHERE I'VE LIVED INFORMING THEM THAT THIS ACCOUNT HAS NEVER BELONGED TO ME.

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 2023-04-05 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: PA

Complaint narrative:
With respect to XXXX  XXXX : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. I am writing this today insisting to delete the following unauthorized information below in my file. These accounts being reported are fraudulent. I never gave this company written consent to report anything on my credit report nor did I give this company written consent to have access to my consumer report at all. No consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 ) Cc : CFPB 1700 G st NW , Washington , DC 20552 FTC XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX Attn General XXXX XXXX, XXXX XXXX XXXX XXXX XXXX pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: PA

Complaint narrative:
After reviewing my credit report, I found that there was XXXX fraudulent account on my report, which is XXXX  the account balance is XXXX dollars, I have never heard of this company.

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 2023-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: VT

Complaint narrative:
I have made many attempts to make lower settlement as they bought account. I originally owed XXXX on account that had a XXXX credit limit. Debt collector is not willing to go less than {$740.00}. The original cardholder wouldnt accept a payment from a new bank account. Ive have specified I can not afford the full amount, and they said they will continue to report me weekly to credit bureaus until its paid in full. My credit is so damaged from a new collections every month. This is originally XXXX XXXX XXXX XXXX XXXX. Now held with spring oaks capital llc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I applied for a credit card and received a letter saying I needed to call a number to activate it. They answered with a 'hello ' instead of a company name which was odd, and then proceeded to ask me to give every single bit of personal information to confirm my identity and wanted me to verify a text code - all exactly what is done to steal information. I said I'd already filled out all the information and asked if I could confirm with them anything, rather than give them all of it ( after I'd given them most of it ) they said I could not. I said I would not be giving them the information or signing up, but asked if they already ran my credit- they did, and it dinged my credit score. I'm extremely irritated as I'm trying to make some major purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE

Complaint narrative:
My mother is an AU on a credit card account with my father as a primary. My parents used the same login to USAA their entire lives. My mother attempted to pay for a funeral on the USAA credit card days after my father passed away, a credit card she has used for years. When she called USAA to unblock the charge, they asked why a funeral home and she said because her husband passed away. USAA immediately locked the account and the online login she has used for years. They told her if she wanted to pay for the funeral she could apply for her credit card, from her own newly created account. 

Over an hour on the phone and making my mom cry, she now has no way to pay for the funeral for my father and lost all pre loaded bill payments, and access to the connected XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit file for accuracy and asked all three credit bureaus to validate accuracy. After further review, some items were removed off some bureaus but others remain. according the FCRA, all information must be the same on each credit report. If one bureaus finds inaccurate information or delete information it must be shared between all three bureaus. i have provided a copy of the investigation results as well to the bureaus. 

XXXX : XXXX, DELETED by Transuion, remains on XXXX and XXXX XXXX : XXXX, DELETED by XXXX, remains on Transunion and 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 non-monetary relief
Consumer complaint received 2023-04-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit file for accuracy and asked all three credit bureaus to validate accuracy. After further review, some items were removed off some bureaus but others remain. according the FCRA, all information must be the same on each credit report. If one bureaus finds inaccurate information or delete information it must be shared between all three bureaus. i have provided a copy of the investigation results as well to the bureaus. 

XXXX : XXXX, DELETED by XXXX, remains on experian and XXXX XXXX : XXXX, DELETED by XXXX, remains on XXXX and Experian

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 2023-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: NC

Complaint narrative:
THIS IS TITLE ISSUE... NOT EXT WARRANTY OR GAP BUT I DID NOT SEE THE OPTION LISTED PLEASE HELP ME WITH THESE CROOKS! 

XXXX XXXX XXXX, NC ( XXXX ) XXXX PURCHASED MY XXXX XXXX FROM CARVANA XX/XX/XXXX. TO START, THEY INSPECTED MY CAR AS A XXXX. TOOK DELIVERY OF MY CAR, THEY REACHED OUT A DAY LATER BEGGING ME TO GET MY OWN CAR INSPECTED AND MADE ME AWARE OF THE SITUATION THAT TOOK PLACE BLAMING IT ON THE TECH. I WENT TO GET IT INSPECTED AND FOUND ALMOST XXXX WORTH OF SERVICE WORK THAT NEEDED TO BE DONE, THAT WOULD NOT HAVE PASSED A NC STATE INSPECTION. WEIRD RIGHT? TOOK MY CAR TO XXXX XXXX XXXX WHERE XXXX THE STORE MANAGER HELPED ME TREMENDOUSLY. MOVING FORWARD, THEY COVERED THE COST OF THE WORK AFTER THREATS OF REACHING OUT TO THE DMV INSPECTOR. FAST FORWARD TO XX/XX/XXXX ... I RECEIVED A TEXT FROM CARVANA THAT THE TAG HAS BEEN ISSUED AND ARRIVING IN 5-7 BUSINESS DAYS. I'M CURRENTLY TEXTING WITH AN ADVOCATE AT CARVANA NOW THAT TELLS ME THAT WAS A MISTAKE. AND I CAN ONLY GET A NEW TEMP TAG IF THE REGISTRATION WASN'T COMPLETED. NOT WHAT I WAS TOLD MONTHS PRIOR. AFTER REVIEWING THINGS ONLINE, I SEE I AM NOT THE ONLY PERSON GOING THRU THIS. WHAT'S GOING ON? PLEASE HELP ME GET ANSWERS AS I'M STILL RIDING ON A XX/XX/XXXX EXP DATE ON MY CURRENT TEMP TAG. ALSO, JUST OPENED ANOTHER XXXX  COMPLAINT TODAY AFTER THE TEXTING ALSO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: NV

Complaint narrative:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. Transunion is reporting late payments on multiple accounts ( XXXX XXXX XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave TransUnion written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Transunion violated my consumer rights by allowing these late payments/utilization to report to my consumer 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 non-monetary relief
Consumer complaint received 2023-04-05 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: LA

Complaint narrative:
Fraudulent account : XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX Louisiana XXXX, XXXX XXXX XXXX XXXX, La. XXXX, XXXX XXXX XXXX XXXX Louisiana XXXX Fraudulent Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Fraudulent account : XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX Louisiana XXXX, XXXX XXXX XXXX XXXX, La. XXXX, XXXX XXXX XXXX XXXX Louisiana XXXX Fraudulent Employers : 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 non-monetary relief
Consumer complaint received 2023-04-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This XXXX has been paid in full XX/XX/XXXX, XXXX have disputed this debt several times and Equifax report the debt as verified..with a {$470.00} balance. online information services has requested that the tradeline be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMERCE BANK
State: MO

Complaint narrative:
Regarding my previous complaint ID XXXX Commerce Bank did not submit charge off documents with dates that show when the account was transferred and when pulled from XXXX XXXX XXXX. My credit history report shows the account was charged off as of XX/XX/2019 ( see attachment ). 

Previously I had submitted all medical and other documents requested by Commerce Bank in order to assess the appropriate hardship program for my situation. I have been their customer for many years and deserved to be treated with more openness. This request was received but the status remained undisclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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 they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : 1313 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discover Bank has placed a restriction on my XXXX Account. I have called Discover with no solution. 

XX/XX/2023 at XXXX Spoke with XXXX and requested to disassociate/deactivate my phone number from Discover and XXXX. Representative stated that she had done this request. 

Couple days later, I am still not able to use XXXX with my other banking institutions due to my phone number still being linked with Discover. 

XX/XX/2023 at XXXX Spoke with Discover specialist XXXX , and she stated that the request was not fully completed and that she had to read me some disclaimers in order to disassociate my phone number and that it would take 15 days for this to be completed. 

XX/XX/2023 at XXXX Spoke with supervisor XXXX , mentioned that she confirmed that everything that Discover could do had been done on their end. There is nothing else that they can do. At this point, I still can not use my XXXX with another institution. No resolution found. She mentioned that my phone number was " deactivated and unblocked, '' and that I should not be encountering any issues trying to use XXXX with another bank. 
On this day, I also spoke with XXXX, a second level supervisor from XXXX who confirmed that my phone number shows that it is still restricted by Discover. 

I called XXXX XXXX XXXX to request a consumer report and they confirmed that Discover restricted my phone number due to " violation of XXXX Services Agreement, '' of which none of this was disclosed to me because everyone I spoke to from Discover confirmed that I should not be having any issues. 

I am currently lost for words and frustrated with this issue. I will be reaching out to Discover corporate ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) once I get my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 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: SC

Complaint narrative:
I sent a letter on XX/XX/2023 to Experian. Here is my tracking number ... ... ... .. XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?

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 2023-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
The company sent a summons on XX/XX/XXXX. They claimed they sent paperwork about a garnishment in XX/XX/XXXX. I NEVER received any notification to settle the debt or anything. None of their letter were sent certified so how can they say I received it if I really did not. I did received the garnishment paper work in XXXX of XXXX but nothing between the supposed garnishment and now. I offered them {$2000.00} in XX/XX/XXXX and they refused it. This debt isnt valid. I do not get any settlement notification and when i had been calling in XXXX of XXXX they barely answer, they are rude and just are not willing to work with them. I am now forced to be self employed. I am still willing to settle for the {$2000.00} but the garnishment and judgement must go away for good and paid in full! They were serving lawsuits in the middle of a pandemic and its sad that judges were really signing off on them! At my home we have cluster boxes and it would be easy for me not to received mail and I honestly never got any other correspondence from Eaton Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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 had reached XXXX XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was a customer at Regions Bank and I was charged illegal junk fees. 
I paid those fees and I now learned that the government is making Regions Bank pay those fees back. 

I want to be reimbursed of the hundreds of dollars I've paid out to this bank.

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 2023-04-05 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit Acceptance received the opt-out notice and still shared my information with a third party. This is the fourth notice.

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 2023-04-05 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Collection Account Account Number : 8568 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief