vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Advanced Resolution Services Inc.
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts.

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above. 
Attached to this complaint are supporting documents to validate the accuracy of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: MD

Complaint narrative:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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 2023-02-23 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: MD

Complaint narrative:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This personal information is incorrect.I have contacted the credit bureaus to update my information. 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX GA 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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This personal information is incorrect.I have contacted the credit bureaus to update my information. 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Our loan recorded and originated on XX/XX/XXXX. We signed a HELOC NOTICE TO BORROWERS stating we would not receive the unfunded portion of our loan until the loan is sold or for ninety days, whichever is longer ( XX/XX/XXXX ). The loan was sold to Specialized Loan Services on XX/XX/XXXX and they became the servicer as of XX/XX/XXXX. Specialized Loan Services is in breach of our contract and after speaking to 8 different representatives, they will not transfer me to an escalation manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo charges me a higher interest rate than agreed too. I have had an auto loan with them since 2020. They also just settled on a lawsuits for the interest rates and other illegal fees they have charged their customers.

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 2023-02-23 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: MD

Complaint narrative:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XX/XX/XXXX, I ( XXXX XXXX XXXX ) sent a dispute to company Portfolio Rec and its Affiliates. regarding an alleged inaccurate debt that was place unto my consumer report. there are an erroneous number of inaccuracies across all three major consumer reporting agencies. reported by portfolio Recovery Company and its associates. 
Which they are prohibited to furnishing such information if it's known to be inaccurate By Law under the FCRA They have a grave duty and responsibility to ; The lender must file form 1099-C and send you a copy if the amount of debt canceled is {$600.00} Or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1. 

( That above paragraph is taken directly from the IRS publication XXXX ) Send me my 1099-C form that you should have sent when you filed this account as a cancel debt. 
I will list my address below and above 15 U.S.CODE 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

This company is knowingly and willfully being noncompliant with the FCRA, AND FDCPA. 
These erroneous reporting is fraudulent being that it's a Collection/ Charge-off, late 120 Days, One XXXX XXXX  Account Have been split between two debt buyers ' companies who are affiliates with one another. 
This is fraudulent to write it off as a charge-off but still try to collect on the same account under affiliates. 
with different reporting. 
Their ignorance to the law is no excuse for the substantial number of damages this company have caused me and my family. due to their negligence and noncompliance with congress Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit Acceptance is refusing to provide me with the title to a car in which the debt is covered. According to Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq ) companies such as Credit Acceptance is participating in unfair debt collection practices. The Dodd-Frank Act granted rulemaking authority under the FDCPA to the consumer Financial Protection Bureau and , with respect to entities under its jurisdiction, granted authority to the CFBP to supervise for and enforce compliance with the FDCPA.

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 2023-02-23 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've recently been a victim of identity theft. I disputed an unauthorized credit card and several inquires that was reporting on my consumer report without my consent. I was able to contact the Person making the report to cease furnishing fraudulent account on my consumer report, as I was not the one who made the authorization. during the investigation the account was removed and I received notice from equifax that all three inquires reported on FTC report was removed XX/XX/2023. ( ( please see attached documents ) ) I checked my consumer report and discovered that the notice was in fact false! one of the three inquires remains on my consumer report and continues to damage my consumer report. You have caused me and my family a great deal of mental anguish with this erroneous reporting of fictitious information. I have tried to reach your office several attempts concerning this matter with absolutely no help to resolve this inaccurate reporting. these are direct violations of the FCRA for reporting inaccurate information on a consumers report to whom it relates. I have called your office on a recorded line and showed your employees and several managers of the error and inaccurate reporting and still no remedy. This has stoped/slowed my ability to obtain credit do to having ERRONOUS AND FRAUDULENT inquires reporting to my consumer report that YOU EQUIFAX, CLAIMS TO BE A FACTUAL RECORD ITEM ON THE CONSUMER REPORT, WHICH IS IN FACT FALSE AS YOU CAN SEE with attached documents. I AM GIVING MY WRITTEN CONSENT TO REMOVE THIS AND ANY OTHER FRAUDULENT INQUIRES THAT REFLECTS ON MY CONSUMER REPORT!

15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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!

15 U.S.C 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Today XXXX my husband was contacted by a XXXX XXXX informing him that he represented XXXX XXXX XXXX and he would be here tomorrow to serve him papers. Then they sent over a form to put our banking information so we could clear the debt from XXXX at Wachovia ( which we did years ago ) I told my husband not to fill anything out as it sounds very sketchy.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Park Hill Holdings
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, CoreLogic, XXXX, XXXX, and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.

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 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I accidentally requested to put my tax return on a credit card I made a large purchase about a week ago and I am unable to access my funds I've called credit karma customer service XXXX XXXX  and XXXX XXXX none were able to Assist me in resolving the problem I called credit karma fraud department they told me that my card had been unfrozen and I still do not have access to the money on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-02-23 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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # 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 : 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 2023-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: PA

Complaint narrative:
Had global client services to repair credit and pay for debts. Was never sent paperwork. Paid several accounts off. Had hidden fees I wasnt aware of. Was paying XXXX a month to fix debts. Sold stock, to pay off debt. Debt that is still on the credit reports as bad debt not paid off. Paid this for over a year.. Never got paperwork to substantiate who got paid and who didnt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On the morning of XX/XX/2023, I learned that I was a victim of check fraud with my Chase checking account. Someone intercepted a check I had mailed to a XXXX XXXX  station in the amount of {$60.00}. The criminal scrubbed the check and changed the recipient 's name to XXXX XXXX and changed the payable amount from {$60.00} to {$1000.00}. A chase teller at a branch approved the check and gave the criminal {$1000.00} in cash from my account. I reported the fraud to Chase on XX/XX/XXXX. ( Today is XX/XX/XXXX. ) Chase has stated that because this is fraud, they will return the funds to my account AFTER they complete their investigation, which could take up to 30 days. It is obvious to anyone that " XXXX '' had fake ID and she does not have a Chase account. She and my {$1000.00} will never be found. The only thing left to investigate is the bank teller who wrongly approved the check. There is NO reason why restoring the funds to my account should be contingent upon the completion of Chase 's investigation into their teller. Multiple Chase employees have confirmed to me that this is clearly check fraud. I was victimized once by Chase when their teller gave " XXXX '' {$1000.00} from my account. I am being victimized a second time by being told by Chase that they need to complete their investigation before the funds can be returned to my account. I am a XXXX XXXX XXXX Social Security recipient and I have a ton of medical bills I need to pay. It is morally wrong and offensive that Chase has the unmitigated gall to take this indefensible, cravenly greedy position with a customer! There is no logical reason why Chase can not return my money to me immediately.

Company response to consumer: Closed with monetary relief