vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I got a XXXX XXXX XXXX XX/XX/XXXX I signed up for automatic payments weekly. I never missed a payment and they started reporting the payment late and their excuse was it's late from when it actually goes to them not when it's debited out of my account. Also their interest is ridiculous which is not in my contract they have daily interest chargers and it can be whatever they want it be what I was told by one of the customer service. I the lease was for {$17000.00} I paid over {$12000.00} in two years they said I still owe {$14000.00} my insurance company paid {$10000.00} when the vehicle was totaled out in XX/XX/XXXX they have been reporting every month on my credit report missed monthly payments. I don't owe them paid more than enough they are rude when I call told me good luck on getting it deleted from my credit report. Now they are saying I still owe them {$4000.00} or settle for {$600.00} and the person who is responsible for reporting credit can't be contacted by phone only by email that they can't provide me. The company is credit acceptance I joined a class action lawsuit against them for doing the same to others yet they are still posting inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I received a call from MBA Law stating I owe money for a medical debt. I advised them that I have no knowledge of that debt and to please provide information in writing. They never contacted me again or sent the information in writing. Now I see a collection on my report, and I don't know what it is about?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/XXXX - Around XXXX I checked an old email account. I received XXXX emails : XXXX at XXXX stating " a user ID was created and associated with your account ( XXXX ) on : Date : XX/XX/XXXX XXXX XXXX ET " with Truist Bank ; XXXX XXXX at XXXX with new account summary information regarding my new accounts : Truist XXXX Checking # # # # and Truist XXXX Savings # # # #. 

I called the financial institution 's hotline and was transferred to an automated answering system. I decided to look up the nearest Truist Bank. At the time, I had never heard of Truist Bank. I then went to the nearest Truist Bank and explained the situation. They confirmed that a checking and savings account had been opened in my name. I then spoke with an account XXXX who confirmed that the XXXX accounts had been opened using my name, birth date, social security number, old mailing address and a rarely used email account. He was able to confirm that the accounts were opened online in the state of Tennessee. He closed the accounts and advised me to call XXXX, XXXX and XXXX to freeze all accounts. I have since contacted all bureaus and requested hard copies of my credit report from XXXX of the XXXX agencies. I have also begun calling all open lines of credit to inform them of the situation and have requested all new cards.

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 2022-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
I disputed this account several times with all 3 CRA 's I then received paperwork from the facility showing the debt clearly in someone elses name billed to me. I spoke to the bureaus individually, spoke of the proof and they still insist the debt was validated.????? Validated with the proof of another name, and I'm clearing stating it is not mine, your breaking laws on all levels. Hippa VIOLATION 15usc1681a ( i ) ( XXXX ) should only be discussed by consumer and facility. XXXX according to 15usc1681b no permissible purpose to place on a consumer report XXXX PRIVACY law broken. After pointing this out they still will not remove it. It is in XXXX XXXX XXXX  name. IS THAT ME?????? I want my money of {$1000.00} each for each violation. Damaging my report. Disputed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-12 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: PA

Complaint narrative:
I got a XXXX XXXX XXXX XX/XX/XXXX I signed up for automatic payments weekly. I never missed a payment and they started reporting the payment late and their excuse was it's late from when it actually goes to them not when it's debited out of my account. Also their interest is ridiculous which is not in my contract they have daily interest chargers and it can be whatever they want it be what I was told by one of the customer service. I the lease was for {$17000.00} I paid over {$12000.00} in two years they said I still owe {$14000.00} my insurance company paid {$10000.00} when the vehicle was totaled out in XX/XX/XXXX they have been reporting every month on my credit report missed monthly payments. I don't owe them paid more than enough they are rude when I call told me good luck on getting it deleted from my credit report. Now they are saying I still owe them {$4000.00} or settle for {$600.00} and the person who is responsible for reporting credit can't be contacted by phone only by email that they can't provide me. The company is XXXX XXXX I joined a class action lawsuit against them for doing the same to others yet they are still posting inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: PA

Complaint narrative:
I believe that someone is using my personal information to open up credit accounts with my knowledge. I noticed an open account with XXXX in XX/XX/XXXX XXXX that I didn't authorize. The number for the company is not in service. It says that XXXX XXXX is a loan company for immigrates and I am a US citizen. 

I also noticed unauthorized inquiries in my report from XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) and XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX ) There is an account with XXXX XXXX XXXX XXXXXXXX that has been reported as charged off in the amount of {$2400.00} that is not my account. Date opened XX/XX/XXXX There is a collections account for XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$840.00} and also XXXX XXXX XXXX in the amount of {$1400.00} opened XX/XX/XXXX Please remove these items from my account. 

Thank you

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 2022-08-12 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: PA

Complaint narrative:
I believe that someone is using my personal information to open up credit accounts with my knowledge. I noticed an open account with XXXX in XX/XX/XXXX XXXX that I didn't authorize. The number for the company is not in service. It says that XXXX XXXX is a loan company for immigrates and I am a US citizen. 

I also noticed unauthorized inquiries in my report from 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 XX/XX/XXXX ) and XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX ) There is an account with XXXXXXXX XXXX XXXX XXXXXXXX that has been reported as charged off in the amount of {$2400.00} that is not my account. Date opened XX/XX/XXXX There is a collections account for XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$840.00} and also XXXX XXXX XXXX in the amount of {$1400.00} opened XX/XX/XXXX Please remove these items from my account. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Kikoff Inc.
State: NE

Complaint narrative:
an account was opened with my information on XX/XX/2022. I received a past due alert on XX/XX/XXXX. I tried to contact the company and they do not have a number I can talk to someone. This has affected my credit rating. Please advise. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: TX

Complaint narrative:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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 explanation
Consumer complaint received 2022-08-12 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello Ive been having someone trying to open accounts under XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX documents below includes the following. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: GA

Complaint narrative:
Hello Ive been having someone trying to open accounts under XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX documents below includes the following. Thanks

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 2022-08-12 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: TX

Complaint narrative:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name XXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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 2022-08-12 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I received a call from XXXX XXXX stating I owe money for a medical debt. I advised them that I have no knowledge of that debt and to please provide information in writing. They never contacted me again or sent the information in writing. Now I see a collection on my report, and I don't know what it is about?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: SC

Complaint narrative:
On XX/XX/2022, I prepared a letter to the CRA ( Experian, XXXX and XXXX ) In reference of my right for privacy was violated. The credit bureau post medical collection on my credit report without my consent. 15 USC 1681 ( a ) ( 2 ). XXXX Account- XXXX and XXXX and XXXX XXXX XXXX account XXXX are reporting on my credit. 

There is should be no medical collections reporting on my credit report because it is a violation of hippa law and 15 USC 1681 a ( 3 ) ( b ) ( c ) - states any medical bill pr information should not be my on consumer report. 

After I received the notices from Experian, XXXX and XXXX. XXXX removed all of the medical collections. XXXX and Experian stated the accounts were verified. 

On XX/XX/2022 I prepared another letter for Experian and XXXX. I sent the letters certified mail- XXXX ceritied mailXXXX XXXX XXXX XXXX XXXX and ExperianXXXX XXXX XXXX XXXX XXXX. I stressed my concerns about reporting this private information for the public. As a consumer I have the right to deny or decline what is reporting on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF THE WEST
State: PA

Complaint narrative:
XXXX XXXX a thief opened up an account at Bank of the West. I recently checked my credit history and I was reportedly charged {$900.00} dollars and XXXX  cents. I called the collections agency XXXX XXXX XXXX. They provided me with some information. They told me that they have an address on file in the city of XXXX California that I never lived at. I also tried calling Bank of the west to dispute this. I called XXXX  to file a dispute charge on this. Please help me clear this.

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 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX Wells Fargo called me about my account is being closed to due to a wire recall request by XXXX XXXX. 

They claimed that the wire was credited into my account which has a surplus in it even if the wire were to be deducted. 

XXXX agreed that the wire did come into the right account and cancelled the recall request on XXXX. 

XXXX closed the account and sent me my check for the funds that remained in the said account. 

Wells Fargo for the last 12 WEEKS has held these funds hostage stating we are waiting for the wire originating bank to send back the funds when I have sent them letter from XXXX stating that these funds are indeed mine and were credited correctly. 

This is unacceptable and illegal, I have asked 6 times with the CFPB to close the account and send me my funds, I have bills to pay and have now fallen behind on payments due to this. 

When I spoke to the Executive office staff they stated get the wire recall cancelled and we can close this immediately which was false, as I called to notify them of this and was given the run around 5 weeks ago! 

Also Wells Fargo keeps sending me messages like currently where my account is to be closed by the expected date of XX/XX/XXXX. Which we are now past that. 

Wells Fargo has done to me what they have continuously done to their clients and customers. 

The account number for this account is XXXX. 

Also I received a letter from XXXX XXXX a paralegal employed by Wells Fargo for a authorization to DEBIT my account the {$60000.00} which was the amount of the wires and I signed the papers and returned them, that was 3 weeks ago and no debit has occurred and the account is still not closed.

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 2022-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
XXXX - We are XXXX XXXX affected couple, and in default of our mortgage. 
XXXX - Our home is our primary residence occupied by owners. We have no other property. 
XXXX - Besides COVID, the borrower has lost her employment as XXXX, due to XXXX XXXX  XXXX, after doing her career passionately for 31 years. 
XXXX - Formal doctor XXXX determination documentation has since been supplied to the mortgage loan processor - Rushmore LMS LLC. 
XXXX - Out of three original borrowers, one XXXX  after 6 years and the second after 14 years of starting this mortgage loan. The mortgage payment burden is on sole surviving borrower now. 
XXXX - We turned in the formal loss mitigation completed application package to Rushmore. They owe us a written acknowledgement of having received the package. 
XXXX - Rushmore owe us the formal notification regarding their willingness to review and take a decision on our loss mitigation application. 
XXXX - An application for California Mortgage Relief Program grant is still pending review and decision. 
XXXX - Our property has not been removed from trustee auction sale scheduled for XXXX at XXXXXXXX XXXX 
XXXX - The terms of our mortgage have consistently and progressively been harsher every so often.

Company response to consumer: Closed with explanation