vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 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: MI

Complaint narrative:
There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report 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 2023-08-08 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: OK

Complaint narrative:
This is my 3rd attempt trying to get Equifax to fix errors on my report, they have failed to validate the debt at my request and how they are reporting information on me, and it is damaging my character, and they continue to report these errors. They have not supplied how they validated the debts in dispute, payment history isn't correct, as attached, and they have not provided proof, receipt copies, or letter copies but only a computer-generated confirmation by mail. On the attached files, it shows late payment as 0 's, but reporting lates, an available credit of - {$150.00} but charged off, and paid history isn't complete. 

Again please provide 1. The names and business addresses of everyone with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information.

4. Fix the above errors or remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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: VA

Complaint narrative:
this is my SECOND WRITTEN REQUEST. This is a formal complaint that you, Transunion & XXXX, are reporting inaccurate and incomplete credit information. Transunion and XXXX are violating my consumer rights according to, 15 USC 1681e ( b ) Compliance and procedures ( b ) and 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

I am seeking the IMMEDIATE REMOVAL of the Accounts due to its inaccuracy since the debts. According to U.S. Code 8 - Obligation or other security of the United States defined, I OWE NO DEBT!!

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 2023-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
CASE : # XXXX XX/XX/2023 after we had fraud in our bank acount for over {$1600.00} and 2 payments bounced back separately. The bank had not notified us until we called the police looking for our car and then called Ally. After confirming with the bank what happened to the 2 payments, we sent, via XXXX, immediately the 2 payments the very next day. Once the police confirmed a contracting tow company had the vehicle a representative of Ally denied having the car picked up when talking to XXXX XXXX ( not sure of his department ). Spoke to XXXX, another Rep, and gave him the XXXX payment information who said we satisfied the payments returned and then he tried to release the car but XXXX XXXX said the paperwork from the tow company had not been uploaded. 

We have been bounced around and helped to a degree but still are being asked by the redemption department to get customer service to send their department something saying we will deal the balance on the end of the loan. We have sent a message via the portal but no one is responding. 

We have paid off over {$32000.00} in car payments for our car? In addition we have spent well over {$7000.00} in repairs. We will have the car paid off before the holiday season but we need to get to work. I have not been able to get to work due to the distance to get to work and a vehicle is a must. 

The account is in the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account # XXXX. We can be reached on XXXX. We thank you for your help, time, and attention to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have already disputed the account, but it was a result of identity theft so the debt collectors were able to verify that yes my information was used with their company or the company they bought the debt from, but I did not consent to this nor did I have this account. I tried contacting the company, but they only wanted to communicate by phone, not written communication like I had requested in my initial email to them regarding the fraudulent debt and derogatory statements reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, on XX/XX/XXXX i, XXXX XXXX reported my Citi bank credit card lost. The card was locked and Credit card company told me that they will send me a replacement credit card to my home address by mail. I didnt receive a replacement credit card but on XX/XX/XXXX I was notified by a text message from Citi bank about my new card being charged for XXXX dollars. I immediately called the credit card company and notified them that I never received this new card, never activated, never used it and never gave anybody any permission or authority to use it. The Citi bank refused to connect me to their fraud investigation team and simply hung up on me. Please help me I believe I was scammed by someone who works at the credit card company. Thank you for your time.

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 2023-08-08 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The XXXX XXXX Resurgent Capital Services has unlaw placed a collection on my credit and I have no legal obligation under fair credit act law to pay them. They purchased a debit from another collection agency by the name of Frontline Asset Strategies. That had no legal obligation as well to collect on behalf of the Company by the name XXXX XXXX. 
This matter was disputed with my Attorney and the company refused to respond to my attorney letters that were sent to them twice. 

XXXX Resurgent Capital Services has not made XXXX attempt to notify me by us mail or phone to even informed me or my attorney on their attempts to try and collect on this debt. They just purchased the debt as third party and placed on XXXX of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I seen her listing on XXXX about a house for rent and I tried to reach out to the person supposedly renting this property and at first we started with a conversation and see if I qualified so I sent a {$50.00} XXXX transaction for an application then they asked me for {$450.00} transaction for a security deposit but they wanted {$500.00} more through XXXX or XXXX and thats where I noticed that they were trying to scam me so I tried to meet up with them and they didnt want to. I try to request my money back to the person I sent it to, and they declined it. I already made a report to my bank so theyre trying their best right now but even though if I dont get my money back I would like to see what can I do so they can stop this type of fraud. They also sent me an ID, which was the person that I was supposedly communicating with that person told me to send it to the account with the name of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: GA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: PA

Complaint narrative:
In XX/XX/2021, became informed of fraudulent charges on card... they were charged in XXXX, Maine ( XXXX ), XXXX... all charges came out to over XXXX... I made many inferences to customer service about charges on XXXX XXXX. I can PROVE I never went to any of these places... I requested copies of all charges on account ... agent told me to look over all charges and see if more show up that she is unable to see on computer ... then highlight ALL charges and send documents back to cc company and they would make sure all gets taken care of ... I did everything I was told to do to prove my case... BUT instead of making me whole by replacing my money back in account... The customer service agent informed me she see 's only {$1800.00} showing ... A few week 's later I received a letter, basically saying the businesses who the fraudulent charges, two said they refunded the amounts ( NEVER HAPPENED ) and that my case was found that I made charges... BUT as I said, I CAN PROVE MY CASE -- my passport was EXPIRED before all charges were made ... .AND I DON'T have ANY traveling stamp 's at custom 's. 

Bank or Credit Card info - Government VA XXXX PAYMENT CARD -- DIRECT EXPRESSXXXX XXXX  XXXX XXXX XXXX XXXX PLEASE HELP ME RECOVER THE MONEY WHICH WAS TAKEN FROM MY ACCOUNT, UNLAWFULLY. 

I appreciate your time... Sincerly, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMT Solutions, LLC.
State: FL

Complaint narrative:
I received a debt collection notice on XX/XX/08 regarding a bill I did not know existed from XXXX XXXX. XXXX XXXX never sent me a bill but instead sent my bill directly to PMT XXXX  who require you to pay in person or acquire an extra {$35.00} fee to your bill. I have lived in Florida now for 5 months and can not go in person to pay my bill that I did not know existed. When I contacted XXXX XXXX regarding the bill, they stated it is not their responsibility to notify me of payment due. XXXX XXXX has also deleted my account so I can no longer see what the charge is for or any details regarding the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: DE

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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: OH

Complaint narrative:
there was an illegal reinsert of an account that was taken off my credit report that does not belong to me. The FCRA states that your information may not be reinserted onto your credit file by the credit reporting agency unless the information is indeed mines and the consumer reporting agency is required to send the consumer/myself a written notification within 5 business days that the account is being reinserted and I never received the notice at all. Here is the account : 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 2023-08-08 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: OH

Complaint narrative:
there was an illegal reinsert of an account that was taken off my credit report that does not belong to me. The FCRA states that your information may not be reinserted onto your credit file by the credit reporting agency unless the information is indeed mines and the consumer reporting agency is required to send the consumer/myself a written notification within 5 business days that the account is being reinserted and I never received the notice at all. Here is the account : 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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I co-sign on a car loan with a ( ex ) friend. The friend defaulted on loan and I didn't know, until I received a call from Ally financial, in late XXXX. Seems payments stoped in XX/XX/XXXX, and found out XX/XX/1923. I don't have the car and have tried to find it, but the person I co-signed for ( XXXX XXXX XXXX ) will not give me any info. I explained to Ally and have asked for payoff paperwork, to no avail. I know I'm going to be stuck, for my foolish mistake. But I don't think it's fair for Ally to keep adding charges. I have tried calling/talking to Ally and asked for supervisor, to no avail. They hang up or chant this, this call will be recorded etc. And I can't get answers or paperwork. They call my work and I say stop, your endangering my job. Financial I can't afford to pay this loan, I have my own car loan, and being a single father, I have a child to support. I do have a family member who is willing to help me, but it will difficult for them also. I just want a fair and final payoff amount and time limit, which I can not get Ally financial to give me. I have tried legal aid, and even though my income qualifies me, they can't help me, other then give me a phone number to bar assoc. That wants {$25.00}. For advice. Please Help!

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 2023-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
THIS WILL BE THE 3RD AND FINAL ATTEMPT FOR CPS TO RESTRUCTURE THE LOAN SOLD TO ME THAT IS CURRENTLY IN VIOLATION OF FLORIDA 'S USURY LAW. THE PAST TWO REPLIES FROM CPS ARE WRITTEN IN A WAY TO MANIPULATE OR CONFUSE THE READER. 
REGARDLESS OF MY SIGNATURE, I WAS NOT AWARE OF FLORIDA ' S USURY LAW UNTIL AFTER COMMENCEMENT BUT THIS DOES NOT EXCUSE YOU FOR PREDATORY LENDING. BEFORE WRITING LOANS, YOU SHOULD BE AWARE OF ALL STATE 'S USURY LAWS. YOU HAVE APPLIED AN INTEREST RATE THAT IS OVER 10 % OF THE FLORIDA STATES MAXIMUM RATE ON AN AUTO LOAN.. 

IF THIS IS NOT TAKEN CARE OF BY END OF XXXX, CPS WILL BE REPORTED TO FLORIDA AND FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The companies listed below did not notify me before placing these accounts on my credit report. Experian, XXXX, and XXXX has not responded to my request to verify these accounts. I have not received any information from these companies in reference to these accounts.

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