vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-07 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:
My complaint is about my personal information is being reported wrong. 
They are housing these incorrect addresses on my report which I have tried several times to get these wrong addresses off my report which they are not mine and I have never lived there in by Law if I never lived at these locations to avoid FRUAD and they need to remove these incorrect addresses.. 

I contacted these XXXX, EQUIFAX AND XXXX on XX/XX/2022, XX/XX/2022 and they haven't resolve the issue. 

In addition to Equifax they are reporting the wrong birth date on my report and they I asked to to fix it several times and they still haven't fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My complaint is about my personal information is being reported wrong. 
They are housing these incorrect addresses on my report which I have tried several times to get these wrong addresses off my report which they are not mine and I have never lived there in by Law if I never lived at these locations to avoid FRUAD and they need to remove these incorrect addresses.. 

I contacted these XXXX, XXXX AND EXPERIAN on XX/XX/2022, XX/XX/2022 and they haven't resolve the issue. 

In addition to XXXX they are reporting the wrong birth date on my report and they I asked to to fix it several times and they still haven't fix 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 2022-08-07 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: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis reported to XXXX, XXXX, & XXXX information concerning my bankruptcy by getting the information from PACER, a system of records used by the Federal government to store public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: ID Analytics, Inc.
State: TX

Complaint narrative:
XXXX reported to XXXX, XXXX, & XXXX information concerning my bankruptcy by getting the information from PACER, a system of records used by the Federal government to store public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. 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 2022-08-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. 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 2022-08-07 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In accordance with the Fair Credit act credit acceptance account number XXXX has violated my rights. 15 U.S.C 1681 section 602A. i have rights to privacy. 15 U.S.C 1681 section 604A section 2 : It 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 explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2022 I have made a transaction by XXXX  to purchase XXXX tickets. 
Within the XXXX  system my preferred mode of payment is XXXX XXXX ( the form of payment set up as XXXX ) However the payment has been processed I was informed that the payment was taken out of checking out against my wishes or intention. 
When I called their XXXX XXXX based overseas I caught the agent lying to me stating the the payment was preset to checking account. I confronted this lie with the screen shot which clearly stated XXXX. Subsequently I was told that the matter will be escalated and I was then put on 25 min hold which from time to time was broken to check if I am still on the line. At 32 min the call was without warning disconnected. 
It is evident that PP is cheating consumers this way as to : 1 ) get rid of any consumer protection as offered through a credit card 2 ) to get customer to lose any cash back bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
This a depute that on Bank account # XXXX Bank Card number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The claim has started by checks that were deposited in the ATM on or about XX/XX/XXXX. The check noted on attached # 1. They were stuck in the ATM and would give me a credit, so I worked with the branch and submitted a claim. We added the checks up in the wrong amount and we asked for a credit of {$26000.00} for those checks. 

On XX/XX/XXXX, I still had not received the temporary credit still had and they stated it would take 10 days. So, the Chase representative stated that I should stop payment on those checks and get replacement check and deposit them in the bank. We also cancelled the claim for {$26000.00} ( D ) on call. The next day on XX/XX/XXXX, I deposited all new checks. Those checks cleared the bank and where fully funded. 
On the XXXXXXXX XXXX XXXXXXXX the bank the processed the stop payments on the checks that where stuck in the ATM stop and debit my account for 5 checks totaling {$27000.00}. Then on XX/XX/XXXX, the bank reserved the temporary credit of {$26000.00}. Causing my account to be negative {$27000.00} ( D ). I when into the branch and discussed this with the branch manager that these transactions had occurred she filed a second claim in the amount of {$27000.00} ( B ). This that was reversed on XX/XX/XXXX ( A ). Because they said they could not find the checks that where in the ATM that they stopped payment on XX/XX/XXXX. 

I talked with 5 difference claims representative the first representative XXXX hung up on me and when I called back gave me the run around for and hour. The last representative XXXX continued to state she could see the reversal but could see the checks deposit in a very nasty and offensive manner. I would listen to the discussion and take action disciplinary action against her. 

I would like my {$27000.00} from the stop payment check returned to my account. I would also like to be compensated for the 30 hours that I have spend on this issue because of the checks being stuck in Chase ATM. My billing rate is {$250.00}. 

I am providing a summary of the transactions in the coversheet and a my checking account with the items in questions circled for easy following.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit act XXXX  XXXX  account number XXXX  has violated my rights. 15 U.S.C 1681 section 602A. i have rights to privacy. 15 U.S.C 1681 section 604A section 2 : It 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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX account number XXXX has violated my rights. 15 U.S.C 1681 section 602A. i have rights to privacy. 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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

Complaint narrative:
I have several wrong names, misspelled or incorrect, as well as wrong addresses-I submitted a house bill and my drivers license as proof of the correct name and address. 
Within 2 weeks, Transunion sent me a letter saying that I needed to verify my Social Security number. I called the number on the letter to complain that I had submitted the necessary documents to have my acct updated. The agent said everything was correct on my report except one name that was reporting. I asked for a full report of my credit report and all of the addresses and names are still reporting on my report. Names reported as of XXXX on XX/XX/2022 are XXXX XXXX XXXX- this name belong to me XXXX XXXXnot me XXXX XXXXot me I am trying to clean my report and TransUnion is making it very difficult. Their unwillingness to cooperate is costing me many missed opportunities and suffered losses, including a better job. 
Also XXXX XXXX is reporting on XXXX and XXXX as paid, closed never late and in good standing. TransUnion is reporting this account as delinquent. I called the company to speak to XXXX in billing who explained that she did not enter this on my account and that she marked the account as it is reporting in XXXX and 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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX account number XXXX  has violated my rights. 15 U.S.C 1681 section 602A. i have rights to privacy. 15 U.S.C 1681 section 604A section 2 : It 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 explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Ive contacted the company and did a credit dispute on a car care card with XXXX  and the information is still on my account. they wont let me dispute again. The account i have never gave this comppany my consent or no knowledge to use my credit.

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 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: WA

Complaint narrative:
Hunter Warfield INC added a collection to my credit report that is not mine. They have been asked to verify ownership and can not or will not.

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

Complaint narrative:
Dispute letter sent to Equifax requesting CRA to correct my name and remove all incorrect addresses from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Collection Account : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : XXXX XXXX XXXX Account XXXX Account : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to the address. 

Thank you for your time and help in this matter. Sincerely, 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 explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
CONSUMER NOTICE OF RECISSION OF AGGREEMENT IN ACCORDANCE WITH TITLE 15 USC 1635 ( A ) ( B ) Please receive this letter as my formal RESCISSION ( pursuant to 15 US code 1635 ( a ) ( b ) of contract stock number 36804506 for 2019 Charger VIN number XXXX that was finance at XXXX XXXX XXXX on XX/XX/XXXX. 

I hereby release BUYER and CO BUYER of ALL obligations to perform on this contract and request that all monies, property and SECURITY INTEREST received be returned to me. 
LISTED BELOW ARE CONSUMER LAWS YOU HAVE VIOLATED In accordance with 15 US Code 1635 ( a ) you must provide the consumer with two forms of cancellation explaining cancellation and my rights to cancel at the inception of the agreement, which you have failed to provide.

There is a misrepresentation as to the material facts concerning the identity of the persons involved and the credit extended 15 USC 1692 812 ( a ) You failed to inform me of the finance charges and my rights to the payment of total amount financed to secure this account. 15 USC 1605 ( a ) You have failed to give me full discloser which has caused me ( XXXX XXXX XXXX XXXX XXXX ) to become surety for a United State XXXX  suffering damages as a consumer and natural person due to your neglect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Collection Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to the address. Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Movement Mortgage LLC
State: KY

Complaint narrative:
I am filing a complaint against Movement Mortgage for the financial situation outside of my control. I had a change in employment status at my previous employer at the end of last year. On XX/XX/XXXX, I attempted to work with Movement by requesting for temporary forbearance for 3 months in accordance to the Cares Act mortgage forbearance program. At the time, I recently secured employment and would start within 2 weeks. 


I was pushed away from this option by customer services reps in the loss mitigation department, via refusing to discuss the option and instead sent a form in the mail that required me to fill out personal information to evaluate the " assistance '' they would offer me. This was initiated by the loss mitigation support via email correspondence. 

This lead ultimately to a discussion on XX/XX/XXXX with another customer representative claiming that I need to pay the full amount {$6200.00}. They refused to accept anything less and refused to offer the forbearance as mentioned earlier. 

I withdrew most of the fund in my XXXX with previous employer to bring the account current status.I sent a check in the amount of {$6300.00} to their XXXX XXXX XXXX XXXX, GA that day. I request that their loss mitigation support to inform me of the arrival of the check. I heard nothing else from that agent. 

I was told by the agent that each month the balance would continue to increase and if the current balance amount was received by end of the month any checks wouldn't be accepted. This deeply bothered me as I simply desired for movement mortgage to get the account paid up as soon as I possible could. 

On the XX/XX/31, I called to make a phone payment in lieu with check in the mail. I informed the agent to simply return the check to me since they have done this to me in the past. I was told this was Ok and they comply with this request. 

On XXXX & XXXX noticed on my XXXX checking account that the check was cashed anyway and phone payment in the amount of {$6200.00}. This over drafted my account by {$6000.00}. I called their customer support on XXXX to resolve this. I told them that due to their actions, I don't have the funds to cover my weekly living expenses ( i.e. food, other bills ). I was told that they will send a refund check minus XXXX 's payment of {$1400.00} for the amount of approximately {$4800.00}. 

However to date, I have received no such check in the mail. I called XX/XX/XXXX to make XXXX 's payment and I was informed that the account is still showing approximately {$7000.00} balance which includes XXXX 's mortgage balance. I requested that since I haven't received the check via mail can they simply apply it to the balance. 

Over the course of most of the last 4 weeks, I have been on a phone call at least once a week with various agents that have attempted to resolve the issue on their reporting.

Company response to consumer: Closed with explanation