vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I liked very competitive rate published by New American Funding on XXXX for an investment property I was buying in XXXX : Rate : 6.875 % with {$1600.00} in points and fees ) I called them right away on XX/XX/20 and got in touch with XXXX XXXX : Loan Consultant XXXX # XXXX XXXX C : ( XXXX ) XXXX O : ( XXXX ) XXXX F : ( XXXX ) XXXX XXXX had me apply online, ran credit check and said the loan rate will be approved by his manager. I filed application and uploaded all the required documents including sensitive information like my tax return, W2 etc. 

The rate still did not get approved in the system and I did not get any email. but XXXX told me next day that everything is good and rate was approved again. 

I had a 10 day contingency removal for appraisal. I called XXXX several times and texted multiple times. But he kept insisting that loan will be approved tomorrow morning and I was losing time on my deadline. 

Finally, on Friday, XXXX told me that loan is approved only with {$6300.00} in lender fees. This is way above {$1600.00} they committed earlier. 

I was running out of time and had no choice but to accept the rate which is what this company wanted to begin with. Fortunately, I was able to get lower cost from another company who honored the rates and fees listed on XXXX site. However, my rate was 7.125 % compared to 6.,875 %. 

I am still behind on my deadline and may end up losing this contract and my {$10000.00} XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: NY

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. 

XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX  XXXX XXXX Services 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 2023-06-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I leased a 2021 XXXX XXXX from XXXX XXXX in XXXX, IL XXXX of 2021. XXXX XXXX approved the loan. The finance manager stated I had an option to lease or finance, but both options were for the same monthly dollar amount which was {$990.00}. After my down payment of {$7000.00}. I thought when you lease the monthly payment is less vs. financing but XXXX ( the finance manager ) told me that wasn't true. I took out a 48 month lease which would bring the total payments to {$54000.00} ( according to the paperwork from the dealership ). Furthermore, if I chose to purchase the vehicle when the lease is over I'll owe {$21000.00}. So I would be paying a total of {$68000.00} for a {$46000.00} vehicle. Also, the loan is in my name as well as my company 's name. I want to file a complaint for predatory lending against XXXX XXXX as well as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-25 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: FL

Complaint narrative:
Filed a dispute with Experian Credit Reporting agency and company is stating that the balance remaining of {$290.00} is correct which it is not correct. 

Account referred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for collections which I have been making payments to and I paid the debt " in full '' on XX/XX/2023. I've attached the " paid-in-full '' letter provided to me from XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
Greetings, There is inaccurate information on my consumer report that is a result of identity theft. I did not provide explicit written permission and or instructions for the identified transaction to be reported on my consumer report. There is no written CONTRACT from me, the CONSUMER authorizing the account listed below. I am requesting that the reporting information be blocked and deleted from my consumer report, immediately. My request to block is not made in error, nor is my request to block being made based on a material misrepresentation of the fact conveyed by me relevant to the request to block the identified transaction. The identified transaction is not information related to any transactions made by me as the consumer and I have never resided at the location associated with the account listed below : CCS COLLECTIONS | XXXX XXXX, amount {$1200.00} Pursuant to fair credit laws sanctioned by Congress this information must be blocked and this transaction on my consumer report must be removed within four days from the date of the receipt of this notice. I am looking forward to your expeditious response and level of professionalism regarding my consumer rights. As verification of my identity, I have provided a copy of my driver 's license. 
Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have reached out to this company and notified them that I did not open this account. I sent them a FTC report along with proof of my identification. This account was a result of Identity theft. This company is still reporting this fraudulent account to credit reporting agencies. Capital One has not supplied the following information I requested : 1.A complete Audit Trail pursuant to U.S Code 552a ( d ), including all documents, but not limited to, ledger of account,, File, all and any transactional history documents.

2.Verification notarized by the accountant assigned to oversee that particular account.

3.The Original or Master promissory note.

4.Documentation that shows I agreed to pay this debt with my wet signature.

5.The Agreement that grants you the authority to collect on this alleged debt.

6.Documentation showing I gave you permission to have my information and paperwork showing I gave you permission to report this to my credit report. No consent to you having my information is Identity Theft and you will be reported as such.

7.A copy of your state license, including the license number that gives you the right to collect in my state.

8.Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt.

9.A Form 1099c from the IRS since this account was charged off, and the IRS defines a charge off as income I should have received a 1099c regarding this account.

.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: FL

Complaint narrative:
I wrote a letter to all the credit bureaus early XXXX and still have not gotten a response so here I am reaching out to you all now because I need help. I do not want to take legal matters so I will explain whats happening. The credit bureaus are furnishing fraud and wrong information on my credit files. They are also breaking the law per 15 USC 1681B " I did not authorize thus companies to furnish any information '', let alone FALSE INFORMATION AT THAT! I will give the bureaus one more chance in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote a letter to all the credit bureaus early XXXX and still have not gotten a response so here I am reaching out to you all now because I need help. I do not want to take legal matters so I will explain whats happening. The credit bureaus are furnishing fraud and wrong information on my credit files. They are also breaking the law per 15 USC 1681B " I did not authorize thus companies to furnish any information '', let alone FALSE INFORMATION AT THAT! I will give the bureaus one more chance in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: FL

Complaint narrative:
I wrote a letter to all the credit bureaus early XXXX and still have not gotten a response so here I am reaching out to you all now because I need help. I do not want to take legal matters so I will explain whats happening. The credit bureaus are furnishing fraud and wrong information on my credit files. They are also breaking the law per 15 USC 1681B " I did not authorize thus companies to furnish any information '', let alone FALSE INFORMATION AT THAT! I will give the bureaus one more chance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute of Medical Collection Account on Credit Report by EQUIFAX XXXX XXXX I am writing to formally dispute the inclusion of a medical collection account on my credit report. I have recently reviewed my credit report obtained from your agency, and I have identified an account that is being reported by XXXX XXXX XXXX XXXX for a medical debt. 

I believe that the reporting of this medical collection account is inaccurate and in violation of applicable medical laws and regulations. I would like to bring the following concerns to your attention : 1. Failure to Provide Proper Explanation : The collection agency, XXXX XXXX XXXX XXXX, did not adequately explain my rights to dispute the debt. They insisted that the only way to resolve the matter was by making immediate payment. This practice misrepresents my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant medical laws. 

2. Lack of Verification : The collection agency has failed to provide sufficient documentation to verify the validity and accuracy of the medical debt they are reporting. As a consumer, I have the right to request and receive verification of the debt, including itemized statements and evidence of my agreement to pay. 

XXXX. Violation of Medical Laws : The collection agency 's insistence on immediate payment without providing proper explanation or allowing me to dispute the debt violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These laws protect consumers by ensuring fair, accurate, and transparent reporting practices. 

Based on the aforementioned concerns, I kindly request that you initiate an investigation into this matter as per my rights under the FCRA. I request that you promptly contact XXXX XXXX XXXX XXXX to verify the accuracy and validity of the medical collection account being reported. 

Additionally, I request that you provide me with a detailed response within the legally required timeframe of 30 days, outlining the results of your investigation. If you find that the collection account is indeed inaccurate or unverifiable, I insist that it be removed from my credit report immediately. 

Please note that I am aware of my rights as a consumer and will take further necessary action to protect my credit standing if this matter is not resolved satisfactorily. I trust that you will handle this dispute with the utmost professionalism and adherence to the applicable laws and regulations. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the removal of the disputed medical collection account from my credit report. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 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: IL

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX CAPITAL XXXX - XXXX XXXX XXXX  - XXXX CAPITAL XXXX - XXXX XXXX XXXX  - XXXX WFC - XXXX REF : XXXX CHAPTER 7 XXXX XXXX XXXXXXXX CT IL XXXX - XXXX XXXX 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 2023-06-25 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: P&B Capital Group, LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX. I do not have a contract with P & B Capital Group LLC. They did not provide me with the original contract as requested. I submitted a dispute of this information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XX/XX/XXXX, I used Bank of America XXXX XXXX credit card to purchase hotel stays on lastminute.com. The total amount was EUR XXXX. 

However, the posted transaction on my credit card with an amount of USD XXXX is an erroneous charge to my credit card. Here is why : XXXX  XX/XX/XXXX, XXXX XXXX rate for XXXX XXXX is around XXXX, please verify it by looking up historical public currency exchange rate. That means, the amount of this transaction is supposed to be USD XXXX instead of USD XXXX ; I was overcharged USD XXXX. 

I initiated the dispute with Bank of America XXXX XXXX Bank of America didn't investigate but closed the issue quietly. 

Additional reference for XXXX exchange rate : https : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: Risecredit, LLC
State: FL

Complaint narrative:
Filed a dispute with XXXX Credit Reporting agency and company is stating that the balance remaining of {$290.00} is correct which it is not correct. 

Account referred to XXXX XXXX XXXX by RISE Credit of Tennessee, LLC for collections which I have been making payments to and I paid the debt " in full '' on XX/XX/2023. I've attached the " paid-in-full '' letter provided to me from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: FL

Complaint narrative:
In Accordance to Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX Has Violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy, 15 U.S.C 1681 section 604 A Section 2 : 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 2023-06-25 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: FL

Complaint narrative:
In Accordance with Fair Credit Reporting act XXXX Account # XXXX, Has Violated my rights 15 U.S.C 1681 section 602 A. States I Have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also States a consumer 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 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, a XXXX transaction has been made through XXXX on my Chase bank account. This transaction is a scam because the person messaged me on a social media platform ( XXXX ) about two event tickets available. He also asked about my personal information and XXXX number and I agreed verbally but never initiated the transaction nor did I authorize this transaction legally in any way. He never sent me the tickets that he promised, which proved that he is a scammer. My bank refused to give me this refund. 
They think I authorized this information but I did not. First of all, there is an information gap between him and me, so every decision I made was because I was deprived of the opportunity to get to some essential facts : he will use my XXXX account to scam me with his technology. Also, I gave him my XXXX account information because he needed to check that I did have a payment method. Thus, I request Chase Bank to reverse this transaction. The fact that they failed to do so is an action of neglecting customer rights. 

This transaction was made to the XXXX account with the name XXXX XXXX, which may not be his real name. The XXXX account the transfer went to is XXXX. Please help me get my money back. Also, I think he is an experienced scammer because he used different names on different social media. Please help avoid these scams from happening in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: FL

Complaint narrative:
In Accordance with Fair Credit Reporting act XXXX Account # XXXX, Has Violated my rights 15 U.S.C 1681 section 602 A. States I Have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also States a consumer agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief