vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 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, XXXX XXXX, recently pulled my credit report and have found these debts to be inaccurate, fair and substantiated. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. These negative listings on my credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

XXXX XXXX surrendered to XXXX bank 1. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.

2. Agreement with your client thatauthorizesyoutocollectonthisalleged debt. 
XXXX. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

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 2022-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
I have asked Flagship credit acceptance to stop calling me on at least 15 occasions and they continue calling me. I have also requested the text messages to stop and they continued for at least a year. Every time I get a call I ask the to look at their notes and then at that time they apologize and give me an excuse. Their system didnt updated my phone numbers, or that they thought that I just didnt wanted manual calls, or that they didnt saw the notes before calling etc. I know I have a debt with the company but Im Paying it as I can.

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 2022-04-01 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 with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$880.00} Inquiries : XXXX XX/XX/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 2022-04-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit file included derogatory remarks without an substantial data to back up the remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit file included derogatory remarks without an substantial data to back up the remarks.

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 2022-04-01 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 the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Account : 1. XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiry : XXXX XXXX XX/XX/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 2022-04-01 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:
This is my 2nd complaint to CFPB. Wrote to XXXX about reporting alleged debt to my account. They offered to validate debt but unfortunately was unable to validate debt and still no remedy. Details will be provided below. 
While disputing items since XX/XX/XXXX, as of date, 3 late payments were added to my account from XXXX which is also a violation. While validating debt, no late payments can be reported during an open validation.

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 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX2022 the amount was XXXX Truist Bank XXXX XXXX XXXX nc my tax refund was sent to this bank which was confirmed by the irs .I dont bank with them but my tax Preparer does.

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 2022-04-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Have contacted XXXX 5 times in since XX/XX/XXXX regarding inaccurate balances on several of my accounts. I also reached out to the account lenders who stated they provided the information to XXXX. They keep sending me around in circles until I also submitted a dispute. Still no reason for inaccurate balances on my report. Also, one account per the Fair Credit Reporting Act should have been removed in XX/XX/XXXX but they are misreporting dates of last payment without fixing and reporting it still on my current credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
XXXX XXXX XXXX sent a payment by mistake ( on my behalf ) to Barclays XXXX XXXX in the amount of {$6700.00}, I do not currently have an account with Barclays Bank. Barclays XXXX cashed the check through their bankXXXX  XXXX XXXX XX/XX/21 and did not return the check to XXXX XXXX XXXX XXXX The cashed check has not been applied to any accounts in my name or any other name. 
My bank has repeatedly called Barclays XXXX XXXX and requested return of the funds and have been repeatedly been told they do not have a record of the payment. I have been making attempts to resolve this matter without success. 
Barclays Bank has {$6700.00} unreported, and I am currently responsible for paying back this debt for which I did not incur.

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 2022-04-01 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: Kinum, Inc., Indianapolis, IN Branch
State: NJ

Complaint narrative:
I reviewed my credit report, and I found that KINUM has reported a collection. I've never did any business with them. Where did they get this information from??

KINUM please verify that I've done business with you with viable information, i.e DOB, SSN.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final good will attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office. Should you continue non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local laws. I further remind you that you may be liable for your willful non- compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/22, I received a credit card that I did not apply for. I did not activate said card. On the morning of XX/XX/22, I received a call from the credit card company, that this looked like a fraudulent card. They closed the account. This card was sent to an old address and used another phone number and email address, not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 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: GA

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: CA

Complaint narrative:
I am in the process of buying a house and over the past year, I have been working on my credit. The main issue I have is I disputed the spelling of my name which I have never used and it was never fixed. I constantly get credit offers and preapprovals under that wrong name. I reach out to Equifax in hopes they could fix the issue and not only no response but they never fixed it. I know most credit reporting agencies have a list of other names but this misspelled name is the main name on the credit account. My name is XXXX XXXX and they have my main name as XXXX XXXX. I can see my dispute on my credit report but no response, action or confirmation of any kind has been sent to me. I simply want my credit file to have my real name. Not some made up or typo name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: NJ

Complaint narrative:
This is a complaint against timeshare XXXX. I've dealt with one of their employee named XXXX XXXX, they all claimed they were also owners in XXXX. They also enticed us saying we're making a good financial investment, and that we can even have it passed down to our children. They promised we would definitely save money on vacations and that benefits are simply just like owning a second home. Moreover, they said we can actually earn or make money from the timeshare by renting to others like for a week if we're not using it or if we let someone else use it for their vacation. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. They offered gifts such as lunch/dinner, a return stay, money for casino, tablet etc. We were never made aware of all the fees involved. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. I inquired to them several times about cancellation via phone but never received any help from them. We experienced financial difficulty caused by this timeshare, I am paying for something I can never use when I want which was different from what they've promised us, they just lied to us, plus there is a fee for everything. Having this timeshare just gave us hardships and problems caused by this even made us lose sleep and its just extremely stressful for us. We had the worst experience with this timeshare, the pressure of thinking it was such a great idea to get into ; including saving money on vacations which we have yet to do. We were simply defrauded, lied to and taken advantage of. The worst is all the fees, there is basically a fee for every transaction.

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 2022-04-01 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: TX

Complaint narrative:
NEVER OPENED THESE ACCOUNTS XXXX XXXX  {$4800.00} & XXXX XXXX  {$790.00}

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 2022-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC
State: MN

Complaint narrative:
In XXXX of XXXX I had Covid related financial issues and could not make my mortgage payment that was due by XX/XX/XXXX. On the XXXX of XXXX I inquired about forbearance from my mortgage company, during the inquiry I was assured that if I qualified my credit would be safe from any negative markings. ( If that was not the case I would have chosen a different route to cover my payments before XXXX XX/XX/XXXX days late ). While on forbearance my credit was marked 30 days late on XXXX, XXXX, and XXXX. I called Loan Care and they did an investigation that concluded the late marks were correct. I would like to know what my options are moving forward.

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 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I was messaged by someone that hacked my friend XXXX XXXX account needing a little money I thought it was XXXX and I used Zelle to send the Money and when I realized that I wasnt getting paid back I realized I was getting scammed by a scammer that hacked his account. I filed a police report with the XXXX XXXX Police Department and I filed a scam/fraud report with the XXXX XXXX XXXX and Im in the proses of filing a scam report with Zelle. I will send about 4 of the Zelle transaction emails in the attach file section XX/XX/XXXX {$200.00} thru Zelle XX/XX/XXXX {$800.00} thru Zelle XX/XX/XXXX {$500.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$300.00} thru Zelle XX/XX/XXXX {$300.00} thru Zelle XX/XX/XXXX {$800.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$500.00} thru Zelle XX/XX/XXXX {$800.00} thru Zelle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was car searching online at XXXX ( I believe ) or another site around XX/XX/2022. I was looking at a vehicle and it gives you an opportunity to revise down payment and projects monthly payments. I never contacted the dealer and never even made any inquiries about the vehicle or about qualifying/applying for a loan. I received a notification from XXXX XXXX that there was an inquiry from XXXX XXXX. I have never heard of this financial company and never applied, either directly or indirectly, for a loan with them. I contacted Experian and file a dispute. The dispute was denied. I called Experian and they stated that I needed to contact the company and ask them to submit a request to remove the inquiry. On XX/XX/2022, I received a letter from XXXX XXXX stating I was denied a loan. Again, I never applied for a loan and never authorized them or any other car dealer to run a credit check. On XX/XX/2022, I contacted XXXX XXXX and explained what had happened and stated that I was told by the credit bureaus that I had to ask XXXX XXXX to request the inquiry be removed. They refused to do so and stated it is not their responsibility. They also refuesed to provide me who authorized them to run an inquiry.

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 2022-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am a parent ( age XXXX ) who took out student loans through Nelnet ( servicer ) These loans were taken out in 2004 at the amount of XXXX $ they are now XXXX 
This servicer has continually provided the most inaccurate and wrong information throughout the years.. I made years of payments.. I was never informed that these particular type of loans were discontinued several years ago.. Each time I called in they told me to apply for Income based repayment, along with several other programs that I did not qualify for ... years of wasted wrong information. 
These loans are also comaker loans with my wife.. which makes it worse and They do not allow me to consolidate the loans.. 
I have requested this several times..as years have passed. 
They accrue interest of XXXX a month AS a senior citizen the fact that no help is offered in any way... is very worrisome to me and my health.. 
The representatives they have have steered me into a black hole ... .in which I can never get out I need help in this matter Thank you XXXX

Company response to consumer: Closed with explanation