vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting 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: MS

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX sincerly 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 2024-01-20 00:00:00
Product: Credit reporting 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: MS

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX sincerly 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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify)
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

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 2024-01-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
XX/XX/24 - Received AMEX gift card for {$800.00} XX/XX/24- attempted to use new gift card on XXXX.com and XXXX for amounts less than {$100.00}. Both were declined, even though I followed their online steps for making purchases online XX/XX/24 - retried using the card on XXXX. received another " payment declined '' email from them XX/XX/24 - I called to confirm that the card was activated, and it was, with a balance of {$790.00}. Attempted to use the card on XXXX again. It was declined. Called Amex customer support and they told me that the card wasn't working because it was an anonymous card. I told them that the website says, " Your American Express XXXX Card may be used at US merchants that accept American Express XXXX. '' They didn't acknowledge this. When I asked if I could just get the money from the card, they said it would take XXXX or more weeks to resolve the issue, and the money on the card would go back to the XXXX  who had originally given me the gift card. I would have to provide my ID and the original receipt of the purchase in order to do so. I told them I can't be sure that the person who bought the card for me would still have the receipt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been XXXX  days since I filed a XXXX demand to comply with the Credit Bureaus and still have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest is reporting on my Consumer Report XXXX and XXXX a po box address of XXXX XXXX XXXX XXXX XXXX XXXX. Then on the Mortgage Report which was pulled a different address and the name XXXX XXXX. 

First, XXXX did not reveal that my loan would be through XXXX or Bridgecrest. I requested Debt Validation letter which has a copy of my DOB, SSN, and my authenic signature showing I agree to contractual have a loan with XXXX Time. 

Second, an investigator called me stating she would provide proof of the Debt Validation with the contract I signed, DOB, SSN, and a contract which showed XXXX XXXX was the loan authenticator. She further stated, " We will show proof of purchase and the date your purchased the car. A payment ledger was requested for the last time they received a payment. 

Third, I requested for BridgeCrest to provide proof that XXXX was the loan origninator, provide proof of all documentation which shows my last payment for the car. 

Fourth, I requested BridgeCrest to provide proof of the car being sold at an Auction and if this account was written off as a bad debt. 

How is it possible for Bridgecrest to report to the Consumer Reporting agencies as an installment loan and a open account if the car was repossessed?

I furthermore am distressed with the Consumer Report because BridgeCrest conducted the following acts : Predatory lending practices targeting vulnerable individuals. 
Imposing unreasonable and excessive fees on customers. 
Failure to provide accurate and transparent information about loan terms and conditions. 
Engaging in deceptive collection tactics, including harassment and unfair repossession. 
Violation of consumer protection laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several items that appear on my consumerreport from entities that I have never signed any contract/agreement with, done business with, and/or provided consent or authorization to furnish any information to a third-party. 

Under section 609, I have requested that this credit reporting agency provide the original documents that also contains my physical signature along with any other supportive information to conclude their dispute ; or remove the items from my credit report As stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are legally obligated to verify the authenticity of all accounts posted on a credit report by physically verifying the original signed consumer contract. Otherwise, there is a risk of fraudulent accounts being submitted through fax, mail, or email by anyone utilizing their reporting services.Their failure to adequately verify these accounts has adversely affected my creditworthiness. According to the FCRA, any unverifiable accounts must be removed. If they are unable to furnish verifiable proof, they must eliminate the accounts specified in my dispute letters. 
In addition, I have requested a thorough and manual verification, including the date that they have contacted the furnisher, the name and address of the furnisher, the name of the agent, the method of communication, and most importantly if the furnisher provided my name, address, and/or dob. 
I have yet to receive any of this information! They are willfully being non-compliant. It is injurious to my credit report and has significantly impacted my financial well-being and credit score.

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 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is suing me for unpaid bill on a credit card that had fraud committed against 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 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: KS

Complaint narrative:
One main financial. Told me if I bought the insurance on the loan. That would help in getting the loan. Its been a while like XXXX. My acount is closed with them. I borrowed money 2 times at least and had to buy the accidental death insurance both times. They did make it seam like I had to buy it to get the loan. I seen they were being sued about this very thing. I live in XXXX kansas the branch is delt with is. On XXXX XXXX here ..went through a divorce. XXXX tried to get them to negotiate a new payment. They Absouloutly refused and would even take off insurance to even help me ..so I defaulted on loan. I offered to pay have the bill. Every month. They would not budge. ..years later the 1099 me for what I owed. And wrote it off like a settlement never heard of that before. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian and XXXX along with OTHER 3rd party businesses, or affiliates currently show negative, inaccurate derogatory information reporting from XXXX XXXX XXXX XXXX. The issue is I never had an open revolving visa cash rewards credit card with a balance pending in the amount of {$100.00} or more with a limit of {$5000.00}. I had a cash rewards visa but that was paid off limit amount {$3500.00}. I have never consulted nor consented for XXXX to sell my name email to any mutual insurance or investors. In addition my mortgage and other personal loans are not being posted accurately by these 3 bureaus from XXXX XXXX  XXXX. There has not been a lag period more than 30 days. Why is XXXX reporting to Experian after paid and closed $ XXXX but updates highest balance $ XXXX? Just a lot of inaccuracies not doing me any favors. Instead things appear as though they are not in my case late, delayed, or hurting characterized in payments. However I have no delays no deficiencies pending w/any lenders mortgage payments or XXXX XXXX  all in good standing. The current mortgage value is not $ XXXX it's below. And XXXX leads what other lenders are seeing on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SG and Associates
State: FL

Complaint narrative:
They sent me an original contract that is not mine. Does not have any signature from me, nor does it even have there name anywhere in the contract that they sent to me. But yet they are negatively reporting this info on my credit report. When i mentioned this to the company Stafford Group Assoc directly they stopped responding, And the credit bureau continue to say the information is verified even with this company name being nowhere in the so called Original contract.

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 2024-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
Inaccurate information / education on how payment is being applied to interest and principal, respectively. No notification regarding ineligible payment toward PSLF for unnecessary forbearance from XX/XX/XXXX. Payment amounts being allocated to other loan principles while neglecting lowest balance, highest interest rate loan. Was told payment amount must cover interest accumulated, which it appears it does, and should not be applied to principal on other loans while allowing interest to accumulate. Can not answer why this is the case. Unclear/confusing information regarding accumulation of interest and balance reflected on loan regarding SAVE plan. Unable to provide planning advice regarding monthly payment amount and plan while evaluating PSLF options. Customer service representative went silent and hung up on XX/XX/XXXX when no longer able to clarify information or answer concerns, after waiting almost two hours for a callback. Always conflicting information and varied levels of customer service, ranging from acceptable to very poor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Fraudulent charges on card occurring XX/XX/XXXX for {$200.00}, XX/XX/XXXX for {$130.00}, {$110.00}, {$25.00}, {$10.00} and {$18.00}, XX/XX/XXXX for {$41.00} and {$2.00}, and one for {$130.00} on XX/XX/XXXX. Disputes were filed on XX/XX/XXXX and XXXX but claim was denied and was never told why.

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 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
This has been a cinsistent issue that I have brought to Fortiva numerous times in the screen shot theres no transcation history so a consumer can review and cross refrence in real time. My previous available balance was XXXX dollars I made a payment of XXXX a few days ago my availble balance should be XXXX. I ASKED THIS GETS UPDATED IMMEDIATELY. Since they don't show transaction history I can't see if thru charged something that shouldn't be charged etc. CFPB needs toinvestigate this company and their practices under the fair reporting act cosumers need to see trasnsaction history this company is not doing that. Wheni previously asked they said there's statements... i said we need record in real time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
In Georgia, the lienholder must provide a certified copy XXXX prior to the car being repossessed. 

Bridgecrest must provide a copy of the last payment made by the creditor. As well as provide a copy of the Sales Auction notice which was sent to the creditor as to whether it was a Public or Private sale. 

All documentation must be provided-A debt Validation letter, the last payment made by the creditor-NOT the AUCTION Sales payment. 

Then all documentation on where the creditor was informed 10 prior to Repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon pulling my credit report I observed my full name, address and employer were reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon pulling my credit report I observed my full name, address and employer were reported incorrectly.

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 2024-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CarMax, Inc.
State: TX

Complaint narrative:
I have still not received any of my personal belongs from when Carmax repoed my car. I also would like for Carmax to stop harassing me at all hours of the day and even weekends trying to call me and leaving the same voicemail. Its getting annoying and honestly inconsiderate in the fact they sold me a car knowing very well that there was no engine immobilizer as well as I have a real heavy gut instinct that someone was sent by Carmax to break into my car and tried stealing the car. And then when not able to they come and repo it. I wont pay for a car that XXXX. Has a high rate of being stolen. XXXX. Lied to about being a top rated car. XXXX. Non stop harassment at literally every hour 7 days a week over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
TransUnion, please delete the following account : XXXX XXXX XXXX , XXXX . The listed balance of {$2900.00} is incorrect as the account has been paid. Furthermore, the account is erroneously listed as open, which is clearly incorrect. Supporting documentation, and proof of identity attached. Kindly remove the account 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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: TX

Complaint narrative:
Dear Consumer Protection Bureau, I am writing to file a formal complaint against Afterpay, regarding their abysmal customer service and lack of reliability. Not only have they froze my credit line without any explanation, but they also do not provide a customer service phone number, leaving customers like myself feeling frustrated and neglected. My orders are all current and paid so there's no justification as of why my credit line got reduced to XXXX, so I demand a reinstatement or a payout of my pending orders from their own pocket as this is unacceptable I have tried reaching out to Afterpay through their chat feature, but to no avail. It is extremely concerning that they have not responded to my message, leading me to speculate that they may have either gone bankrupt or are engaging in deceptive business practices. 

I strongly believe that Afterpay 's behavior is unacceptable and warrants immediate investigation. As a consumer, I expect transparency, reliability, and accessible customer service from any company I engage with. Afterpay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I called asked why payments were so high on loan there are things im paying for i didn't approve for on my loan. Also paying a very high interest rate on the loan. Doesn't seem like as XXXX  paying its knocking down the loan its all going to interest which is destroying my credit and not helping me also I was unemployed and was forced to pay with out a job borrowing money or having them trying take my car. Now I'm employed but can't afford XXXX  loan payments and not being helped by the company to lower my payments or anything to meet my payments standards. Which to me is bad business which is why I want reimbursed and the loan forgiven on my behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
3 months back a XXXX rep knocked on my door talk to me about cameras around my home for {$42.00} a month I said ok!!! 
I was not home when they installed, it looks sloppy and unprofessional, I called and told XXXX that so many things are wrong, I want to cancel because also another company is calling and threatening me for $ money, I Stated the rep Stated only {$42.00} a month, so cancel, I can't afford {$200.00} or {$300.00} a month for cameras with monitor service and purchase equipment at the same time that's XXXX 
Yet they don't care!!!! 
I want this sloppy and unprofessional out of my home without my knowledge, and they lied to me and misled me to make a sale!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief